Even if you’re not a news junkie like me, I’d be willing to bet that you’ve seen or heard one news item ad infinitum over the past several years. That nugget is the story about Americans’ retirement readiness, or lack thereof. We are endlessly informed by the media that we’re not ready to retire — and that we won’t be ready unless we start banking lots more dough.
Years ago, there wouldn’t have been a need for newspapers and magazines and broadcasters to hammer this mantra into our heads. That’s because the rules were different then. You were hired by an employer, you worked there your whole work life, you earned your pension and retired. You then lived off your pension and Social Security. A few years later, you drifted off to the Happy Hunting Grounds, leaving whatever was left of your nest egg to your children and grandkids.
"The sky is falling… the sky is falling!" exclaimed Chicken Little when an acorn fell from a tree and hit her on the head.
Sound familiar? Do you assume the worst when your boss calls you in for a meeting, or when your partner says, "We need to talk?"
Negativity is a habit. It's a half-glass-empty thinking style that results from a subconscious focus on the doom and gloom. Like most habits, negativity can be a hard one to break. But guess what, doomsters? The good news is that counter-productive habits — including negative thought patterns — can be broken. (See also: The Surprisingly Easy Way to Change Your Habits)
Welcome to Wise Bread's Best Money Tips Roundup! Today we found some wonderful articles on money-making schemes to score you quick cash, maintaining professional bridges, and family summer vacation ideas on a budget.
Top 5 Articles
11 Money-Making Schemes to Score You Quick Cash — Babysitting and selling your stuff are just a couple ways to make some quick cash. [POPSUGAR Smart Living]
Maintaining Professional Bridges — To maintain your professional network, ask your network how you can help them. [The Simple Dollar]
You've just had a nice dinner, great conversation, and many laughs. The server has dropped off the check, and the last bites of dessert have been consumed. The age-old dilemma arises — who picks up the check? Here is a quick infographic guide that helps you figure it out. And keep reading below for more details!
Community-supported agriculture (CSA) is a great way to buy local, seasonal produce (and more!) straight from the farm. A CSA membership allows you get a regular supply of fresh fruit, veggies, eggs, or other groceries through the season. However, this kind of service isn't available everywhere, and the subscription cost may not be worth it for some.
Are you part of a CSA? What do you like and dislike about it? If you have not joined a CSA, would you like to?
Tell us whether you're part of a CSA and we'll enter you in a drawing to win a $20 Amazon Gift Card!
Win 1 of 3 $20 Amazon Gift Cards
We're doing three giveaways — here's how you can win!
One of the biggest frustrations I have as a money-conscious person is when I toss something out that could have been used if I had just planned better. It’s painful whether I’m tossing out something that’s rusty, something that’s water damaged, or something that’s spoiled.
This “tossing out ‘could have been used’ stuff” phenomenon happens most often when I’m dealing with food. I’ll find something in the fridge that was left over from too many days ago or I’ll discover a piece of fruit that’s gone bad and I’ll feel awful as I’m tossing it out.
I don’t like to toss food. It’s a waste of money. It’s not exactly helpful to the environment, either.
As the days get brighter and the nights warm up, we're spending more and more time outdoors. Summer is the prime season for enjoyment and activity, but it's also the height of painful sunburns. I'm trying to become more conscious and careful about the lotions and salves I slather onto my body. Sometimes, even the most natural sunblocks contain more harmful ingredients than I'd like to see. (See also: Cheap and Simple Sunburn Remedies That Really Work)
The following "recipes" are all natural and non-toxic. After the initial investment in a few key ingredients, they are sure to give your store bought 'block a run for its money.
This article is by staff writer April Dykman.
You know all those great tactics to save huge chunks of cash — the tactics that don’t require you to scrimp and save? I’m talking about things like lowering the APR on your credit card or getting a better deal on your car insurance — paying less for the stuff that’s kind of a drag to pay for in the first place.
Well, as a new homeowner, I’ve been working on lowering one of those no-fun expenses: property taxes.
Two weeks ago, I wrote about how I was surprised that my assessed house value was 31 percent higher for 2014 than it was in 2013 — and that I had filed the paperwork to protest that assessment.
If the number of advertisements, books, TV shows, and websites devoted to weight loss are any indicator, losing weight is generally viewed as a monumental task, one that requires many pages of instruction and encouragement, as well as starving and sweating and self denial.
Or… maybe not.
After all, many studies suggest that gaining and losing weight aren't so much tied to one big effort so much as a lot of smaller ones. If you've been trying to lose a few pounds, here are 14 dumb little things that might be holding you back. (See also: 7 Killer Ways to Really, Actually Lose Weight)
Money. Sadly, it does make the world go around. There are around 180 different types of currency in the world, including the Albanian lek, the Haitian gourde, the Moroccan dirham, and the Zambian kwacha. But you are more likely to know the slang terms for the US dollar and the British pound than any of those. Do you know where those terms actually came from? Let's take a look.
Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on good morning habits for a great day, what to buy and not buy at Home Depot, and money management lessons for young adults.
Top 5 Articles
Up and at 'Em! 25 Good Morning Habits for a Great Day — If you want to have a great day, don't press the snooze button on your alarm clock. [POPSUGAR Smart Living]
What to Buy (and Not Buy) at Home Depot — It is ok to buy Behr Paint at Home Depot, but not Glidden Paint. [Money Talks News]
A contractor friend of mine once told me that no matter how well you plan, any home renovation project will always take longer than you think. In fact, he has come up with a formula for figuring out a more realistic time frame: Double the number and go to the next unit of time for your estimate. For instance, if you believe your kitchen renovation will take two weeks, according to my friend, it will actually take four months. (See also: Is DIY Home Renovating for You?)
Whether you've got a big home improvement project planned or you're just looking to get your A/C unit repaired, you'll need to know how and where to find a service provider that fits the bill and is worth the price.
But how do you know that a deal really is a good deal? And how can you be sure that the repairman you're letting in to your house is legit? Enter Angie's List.
We all want to be happy. It's a desire as universal as our want for water, food, and fresh air.
But happiness is a difficult thing to measure. It's a spectrum — not an absolute. There's a whole science behind our happiness levels, why they fluctuate, and what we can do to boost them.
Ironically, too much time and thought spent in the pursuit of happiness has been found to actually decrease a person's overall happiness. So it's fortuitous that scientists have identified a countless number of small, conscious steps a person can take to elevate their mood with minimal effort. (See also: 29 Scientifically Proven Ways to Be Happier This Year)
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Working during downtime
2. Choosing among retirement options
3. Charge card or credit card?
4. Baseball cards
5. Money left over in budget
6. Is being vegetarian expensive?
7. Alcoholism and money
8. Fuel efficiency not worth it?
9. 401(k) issue
You need a break. We all do! You may already know all about the scientific evidence that shows the mental and physical health benefits of taking a vacation. However, you don't need to wait for a full vacation to get some relaxation time. In fact, small doses of relaxation work wonders for your overall health. (See also: 25 Ways to Have the Best, Cheapest Summer Vacation)
Here are five ways to give yourself some regularly-scheduled R&R without breaking the bank.
This article is by staff writer Lisa Aberle.
I am writing this article in silence, thanks to my kids’ 7 pm bedtime. And tonight is the last early bedtime night because – sob! – tomorrow is the final day of school.
While I love my children, I admit to some qualms about summer vacation. How do I keep them entertained (that means out of trouble)? How do I keep the lid on my grocery budget? (Last summer, I felt like the refrigerator door was open every time I walked into the kitchen.) Which inexpensive (free, preferably) activities can we find? And how am I going to work from home with these two little distractions?
So picture me planning every minute of my last free day and periodically wiping my sweaty palms and taking deep breaths.
Entertained, but still learning
Like many people, I'm an avid food label reader, and I'm always on the lookout for added sugar. I know to look for high-fructose corn syrup along with sugar and honey. But then I discovered via Mayo Clinic that sugar can be disguised as fruit juice concentrates, fruit nectars, malt syrup, molasses, and cane syrup and lots of other less sugary sounding ingredients. Upon closer inspection, I found many healthy-sounding food and beverage products contained hidden sugar. (See also: 10 Fat-Filled Foods You Should Stop Avoiding)
Ha! Here's an article from Dr. Thomas Stanley that hits on a few messages I have regularly addressed:
Here are some highlights from the piece along with my comments:
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