Money Tips Network

The WORST Time of Day to Do Everything

We all know that there tend to be optimal times during the day for everything from scheduling a doctor's appointment to taking a nap to making the most of a workout to having a productive meeting at work. There are plenty of guides out there telling you when you should do these things to get the ideal result. (See also: The Best Time of Day to Do Everything)

However, these guides ignore the other side of the time puzzle: when is the worst time of day to do various activities? Because missing out on an optimal time for an activity is certainly less than ideal, but actually choosing the worst possible time could be frustrating, inefficient, and counterproductive.

Must-Have Websites and Apps for Parents

This post comes from Dawn Jamison at our partner site Zing!

One of the most exciting things about being a new parent is learning about all of the wonderful toys and technologies that exist for kids! The apps and websites my friends have told me about have truly been lifesavers. I don’t know what I would do without having these great resources at my fingertips. Whether I’ve had questions about my daughter’s development or questions about my sick baby, these have come in handy.

Here are four web sites well worth saving to your favorites list.

BabyCenter.com

3 Ways to Get a Legit Business Education Online

Business majors are in demand. A recent survey by Millennial Branding and Beyond.com found that 18% of companies are interested in hiring business majors — second only to the 27% of companies looking to hire engineering and computer majors.

There's a need for people with business degrees, or at least business skills. And the Internet offers a dizzying number of flexible, low-cost options for learning the ways of business. (See also: 8 Cheap Ways to Continue Your Education Without Going Back to School)

Here are three approaches to getting a quality business education online.

Best Money Tips: Benefits of Thrift Shopping

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some fantastic articles on the benefits of thrift shops, ways to challenge yourself every day, and things financially successful people avoid doing.

Top 5 Articles

20 Amazing Benefits of Thrift Shopping You Probably Never Expected — Did you know that when you thrift shop, you may discover designer products at a fraction of the price? [Lifehack]

What I Learned on Father’s Day

On Father’s Day, I visited my dad, who is in the process of moving out of the house he has shared with his long-time girlfriend for the past thirteen or so years; she had been living in the house for about forty years, if I remember correctly. We met at the house, which was clear of almost all of its furniture, and walked into town.

Maplewood is a township in New Jersey with a cute downtown area, with several good restaurants and shops. There’s a convenient train to New York City. It’s not a cheap place to live, though. In 2011, the mean price for detached houses in the township was $570,158, and property taxes are typical for New Jersey. In other words, high.

Don't Ruin the Party: 11 Things Guests With Good Social Skills Never Do

Most parties don't require you to sign a contract at the front door.

But all the same: by showing up, you've committed to a contract, albeit a non-verbal one. Your hosts agree to do everything reasonable to ensure your good time, and, basically, you agree to do everything reasonable to not make it blow up in their faces. (See also: 18 Things People With Good Social Skills Never Do)

So take a look at this list and make sure you're not unintentionally committing any party fouls. Your hosts (and your social calendar) will thank you for it.

Naked With Cash: Laura and Leon, May 2014

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs).

For more information, read this introduction.

Simple Ways To Save Money While On Vacation

My family and I just recently returned from a week at the beach.  We had an awesome time – and we even figured out some simple ways to save money while on vacation.

Check online for attraction discounts, coupons, and codes.  Our three kids like putt-putt and the water-park.  A simple online search, and I found coupons for both attractions.  We saved 50% on the putt-putt – and 60% at the water-park!

Side note – By visiting the water-park’s website, we were able to better plan our visit.  We avoided a particularly busy day at the park – and the kids were able to ride the slides without waiting in super-long lines.

18 Awesome Things You Can Do This Weekend for Under $10

Is your wallet a little deflated this weekend? Turn that frown upside down with this list of 18 awesome things you can do for under $10 — many of which are completely free.

50 Fun Free Activities My Family Enjoys

One of the most popular articles I’ve ever written for The Simple Dollar is 100 Things to Do During a Money-Free Weekend. In it, I touch upon the idea of a “money-free weekend” – one in which you consciously avoid the active spending of money – and then drop a long list of activities you can take on during such a weekend.

Sarah and I often did “money-free weekends” when we first started our financial recovery and we still do them every once in a while. When we first began, however, we had only a single child at home, a baby, who we could simply take along to many of the more adult-oriented activities that we would do. If you’ll notice, that list is mostly full of stuff that works best for adults.

A Lot of People Don't Understand What an Investment Really Is. Do You?

We recently covered what money really is, and how you can harness it to suit your needs. Now it's time to take a look at investing. What is an investment, exactly, and how can you make an investment strategy work for you?

First, let's start with a definition. An investment is something bought with the expectation that it will rise in value or generate income, like stocks, bonds, real estate, or precious objects (I don't recommend the later, by the way). Let's start with rise in value.

Our brains on scarcity: Breaking out of the trap (Part II)

This article is by staff writer Kristin Wong.

(This is a two-part series. Part I is “Our brains on scarcity: The trap of not having enough.”)

For my last post, I wrote about the book “Scarcity: Why Having Too Little Means So Much.” To recap, researchers Sendhil Mullainathan and Eldar Shafir conducted a series of experiments and found that scarcity — whether it’s a lack of time, money or food — drastically changes our behavior. Here’s how:

  • It lowers our cognitive capacity. (We perform worse on intelligence tests.)

  • It makes us less polite.

WATCH: The 10 Craziest Annual 4th of July Fireworks Displays

The 4th of July is upon us once again, which means it's time for a time-honored tradition: fireworks. In my family, the 4th of July is bigger than Christmas. My father took to his fireworks show with obsession, even joining a firework club at one point. So, I thought I would detail some amazing fireworks displays that you can see this year in the United States. Let's get started!

1. New York City

The 5 Best Dehumidifiers

Anyone who has experienced humidity before knows just how uncomfortable and stifling it can be, especially within your own home. But beyond the physical discomfort, many people may be unaware of the effects that humid air can have on their homes, as it can lead to the rapid growth of mildew and mold which can cause further risks to your health and well-being.

This is where a dehumidifier can come in handy since its primary job is to reduce the level of humidity in the air to keep your home nice and comfortable. Wise Bread is here to help you choose the best dehumidifier for your home with our top 5 list.

Naked With Cash: Brian, May 2014

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs).

For more information, read this introduction.

Why we applied for another rewards credit card

In yesterday’s post on bargains and baselines, I talked about some of the reason we got an Amazon rewards card, even though we had another one.

This prompted a great question from The Wallet Doctor:

I like your strategy on the Amazon card versus your usually 1% cash back card. I’ve thought about going for deals like that, but I’m always a little nervous about having too many cards. Where do you think you need to draw the line on that sort of specialized strategy?

He’s right about not applying for credit cards indiscriminately.  Applying for a bunch of credit cards usually isn’t the best for your credit score.  The average age of your accounts goes down, and the amount of credit you have available (potentially to abuse) goes up.

Join Our Tweetchat on Thursday 6/26, 12pm PST for a Chance to Win $300 in Prizes!

Join our Tweetchat this Thursday at 12:00 p.m. Pacific/ 3p.m. Eastern for lively conversation and a chance to win a $200 gift card, one of two $50 gift cards, or one of two Experian Credit Educator Sessions! Use #WBChat and #CreditEdu to participate.

12 Things You Didn't Know About Retirement

It's nice to get out of the rat race.

However, once you hit retirement you have to learn to get along with way less "cheese." With less than half of Americans having ever thought about how much money they need for retirement, it is clear that several people are still clueless about retirement. (See also: This Is the Basic Intro to Having a Retirement Fund That Everyone Needs to Read)

If you consider yourself a know-it-all in retirement matters, here is a list of 12 things about retirement that may shock you.

Naked With Cash: Jake and Allie, May 2014

Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs).

For more information, read this introduction.

Best Money Tips: Things Extremely Likeable People Do

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some awesome articles on things extremely likeable people do, ways to make money at the bar, and cheaper vacation planning.

Top 5 Articles

16 Things Extremely Likeable People Do — Extremely likeable people tend to take responsibility and make eye contact. [POPSUGAR Smart Living]