Teen’s business backed by the Jenners

A TEEN running a business two years after dropping out of school at age 14 had her story reposted by Kylie and Kris Jenner and nearly broke their website.

Source NEWS.com.au | Business http://ift.tt/1S5kD7P

Teen’s business backed by the Jenners

A TEEN running a business two years after dropping out of school at age 14 had her story reposted by Kylie and Kris Jenner and nearly broke their website.

Source NEWS.com.au | Business http://ift.tt/1KzAEfT

Workers paid chicken feed for 19-hr shifts

A CONTRACTOR to suppliers of chickens to Coles and Woolworths paid its workers as little as $11.50 an hour for 19-hour shifts.

Source NEWS.com.au | Business http://ift.tt/1Lw9AC8

How I Showed a 16-Year-Old to Turn $500 Into $520,367

We’ve all had those fantasies of getting into a DeLorean and going back in time.

We think about all the little changes that we’d make in our lives. If you’re like me and have investing on the brain, then maybe you wish you would have gone back in time and started investing earlier.

This is exactly what I was thinking when I had a chance to meet with the son of one of my friends.

Her son had recently turned 16 but had been mowing lawns “since he was a kid.” Haha.

The son had talked to a cousin recently who had told him about how he needed to start investing.

Intrigued, he told his mom to contact that investment guy that she had mentioned in the past. In case you’re not sure who he was referring to, that investment guy was me.

There’s not many things that excite me more (with the exception of In-N-Out Burger) than seeing a young investor get started for the first time. The fact that this investor was the ripe age of 16 makes it that much more exciting.

With any new investor, I walk them through the process of explaining what a stock is, how that relates to a mutual fund (check out this post and video regarding mutual funds), and how easy it is to get started investing by buying mutual funds.

One tool that I use is Thomson Reuters which is a database of almost 30,000 different mutual funds that exist. One mutual fund that I use for hypothetical purposes is not the best mutual fund in the world.

In fact, it’s an average mutual fund and by average I mean that when you look at how it compares to other mutual funds in its peer group it’s been pretty middle-of-the-road. I like showing this mutual fund, for two reasons:

1. It gives us a good variety of market conditions since the fund was established in the late 60s.
2. By showing an average mutual fund, I’m not showing the best, I’m not showing the worst, I’m just showing a possible scenario of what it looks like to make money in the stock market.

In this hypothetical scenario, since the 16-year-old only has $500 that’s what we’ll use for this example. When looking at the illustration, you’ll notice charges. That’s because in this example we’re looking at A Share, otherwise known as load mutual funds.

Now you might be gasping and asking, “Oh my gosh, why is he showing a loaded mutual fund?” Please keep in mind that back then load mutual funds were very common.

Load or no-load aside, you should get a good sense of what the power of compounding interest looks like and how the impact of investing $500 means a lot – especially when starting at that early age.

The time machine is steaming, watch your head as you enter under the falcon wing doors, and let’s take a trip back in time. Don’t worry, I’ll bring you back safely. You have enough plutonium, right?  

1970

In 1970, I show investing $500 with total upfront charges of $29. After a years’ time, the mutual fund averaged 5.15% for a total end-of-year value of $495 so after one year, after paying sales and commissions, he’s down $5.

Not too exciting, especially since he could have put it in the bank and made a lot more. Moving on to the next year.

 

1971

After two years investing, we’ve averaged 5.15% and now 18.28% for a total value of $586. Not too shabby.

1972

We experienced another year of good growth with 12.72%. Total value now is $661. Typically at this point, I try to remind any new investor that three years of growth at these amounts, 5.15%, 18.28%, and 12.72%, is outstanding.

We’ve averaged good returns but since we only made $161 it might not be that exciting.

1973

Now the fun begins. Okay, not really that much fun, but we get our first true taste of a bear market. In 1973, the fund was down 33.75%, #ouch.

People hate losing money and now imagine you’ve been investing for four years and after seeing some modest growth you are now down $62. Most people agree that this is not what we hoped or expected from investing in the stock market. This is a big reason why most people don’t invest in the market because they have a very short-term perspective.

I explained to the investor that if they were concerned and came to me that I would suggest for them to stay the course and to stay invested and let the market do its thing. Let’s see what next year holds.

1974

#doubleouch. We followed a 33.75% loss with another 28.87% loss, #thatsucks.

In 2008, the market was down 37% and many claimed that it was the worst market since the great depression.

While in 1973 the market was also down big – this fund was down 33% followed by 28%. That seems like a lot worse than what happened in the 2008 financial crisis.

Our initial $500 investment has grown to $661 at its high and now it’s down to $311 – so after five years of investing we’re down almost 40%.

1975

If you decided to stay the course then kudos to you. You’ve done what most people can’t.

The stock market is one of the only few places that when things go on sale, nobody wants to buy; when there is a clearance sale, instead of flooding to the store people are running away in mad hordes.

This investor – who started with $500 saw it climb to $661 only to see it drop by over 50% in the next two years – would’ve seen almost a complete recovery back to their original investment amount if they held on just for another year. At the end of 1975, the total value is now $471.

The one thing I don’t want any of you to discount here is think about how long five years really is. Could you wait five years to see your investment basically go nowhere? Would you actually have confidence in the stock market? Would you have confidence in your financial advisor and their investment recommendations?

Based on prior experience, I would make an educated guess that 99.9% of you wouldn’t, and that’s why most people aren’t defensible investors.

Prior to revealing the 1975 return, this is where I like to ask the individual sitting across from me – which is the same thing I asked the 16-year-old – is what would you hope would be your total value after 10 years?

Essentially, what would you hope to have in 1979 – in 10 years of being vested in the stock market? Actually a majority of the time, most people would be happy to make their money back. Some like to see at least a $100 or $200 gain from their $500 investment.

1979

For those who want to just get their money back, as I’ve already showed in 1975, we’re almost there. Now if we fast forward until 1979, exactly 10 years from when we started, you can see that the total value is $1302. We’ve almost tripled our original investment. Was it a roller coaster ride getting there?

Absolutely. Once again, it just shows the importance of having time in the market, being patient, and letting the market do its thing.

Later Years + Total Return

If we keep playing this scenario out over the next 35+ years, we can see that the value grows from a starting point of $500 all the way to $68,684 for an average annual rate of return of 11.49%.

Not too shabby for a $500 investment that you just let sit as a mutual fund.

In case you can’t do the math, that means that this 16-year-old would have roughly $70,000 by investing $500 and waiting until the age of 61.

Okay, you’re probably wondering based on the title of this article where the $500,000 come from. Let me show you.

$500 + $25/month

This 16-year-old was ambitious and I could see him salivating over seeing his $500 grow to be a very large number in his eyes. Remember, this kid mowed lawns and did landscaping on the side. The next chart I showed him was taking that $500 and then adding $25 per month. By simply adding $300 per year over the exact same timeline, the amount grew from $68,000 all the way up to $520,000.

Another part that I use to help drive the point home is that the money that he actually invested was only $55,194. Everything else was dividend, interest, and capital gains. A $55,000 investment over the course of 45 years grew to an astronomical $520k.

Calling Out the Skeptics

I can hear many of you now thinking, “Okay Jeff, but the market doesn’t average 11.94% like it used to.” That’s a fair argument, but also keep in mind that the S&P 500 at the time of this writing has returned 7.71%. Well that’s considerably less than what this fund returned. At least it gives us some type of ballpark range to consider.

The final thing I like to point out to people is the $500,000 in this example is a lot of money. We very may well never get close to having those type of returns. That being said, what if I was half wrong meaning that instead of having $500,000 we only have $250,000? That’s still $250,000 from an initial investment of $500 plus $25 per month. That’s still huge and will set this kid apart from 98% of his peers.

The moral of the story is start investing, let the markets do their thing, and let time be on your side. If you haven’t started investing yet, check out great online platforms like Scottrade and Betterment.

Don’t put off investing and kill your ability to watch compound interest work its wonders. Cut through the excuses, and start investing something – even if it’s a small amount. Check out 16 Ways to Invest $100. Just about everyone can afford to invest 100 bucks!

Now you might also be thinking, “I’m not 16 years old, Jeff. I’m about 10 years from retirement.” I feel you. Instead of giving up, there’s so much you can do to better your finances. Read 10 Years from Retirement at RetirementByJeff.com. I’ll walk you through the problem of having a lack of time!

I encourage you to invest something – what you reasonably can – toward a better future. Who knows, maybe later today you’ll meet your future self thanking you for being smart and investing more for the future.  

This post originally appeared in Forbes.com.

Source Good Financial Cents http://ift.tt/1kGoNaU

$60m lifeline saves Port Kembla works

BLUESCOPE says job cuts and millions of dollars in government support have helped save the Port Kembla steelworks. But a glut in steel from China still poses a threat.

Source NEWS.com.au | Business http://ift.tt/1XstzHb

Ten doubles losses to $312.2 million

TEN Network’s full year loss almost doubled to $312.2 million on the back of a big writedown in the value of its television licence.

Source NEWS.com.au | Business http://ift.tt/1Grn2Zi

Here Are the Best Deals at Target This Week (10/25-10/31)

Let’s face it — making a grocery list and clipping coupons is extremely time consuming, so this week we want to help you out.

We’ve combed through this week’s Target ad to find all of the best deals, plus we’ll show you what coupons to clip, what coupons to print, and what rebates to submit so that you can save the most money. It really doesn’t get any easier.

Feel free to email us at askkyle@thepennyhoarder.com if you have any questions!

Lingo: RP = RedPlum; SS = Smartsource (you’ll find both of the RP & SS inserts in your Sunday newspaper); ETS = excludes trial size; DND = Do not double; WYB= when you buy

Gift Card Deals

$5 Target Gift Card wyb 2 Olly 30-ct energy or 50-ct sleep gummy vitamins $13.99
Final Price: $11.49 each WYB 2 after $5 Gift Card

$5 Target Gift Card wyb 2 MiraLax 30+6 bonus doses powder $24.99
$3/1 MiraLAX Product printable [30-Dose]
$3/1 MiraLAX Product printable
STACK WITH
5% off MiraLAX (Target Cartwheel)
Final Price: $18.24 each WYB 2 after $5 Gift Card

$5 Target Gift Card wyb 2 select Always, Always Discreet, Tampax and Clearblue items $9.39-$11.99
$0.50/1 Always Pad Printable [ETS]
$0.50/1 Always Liner Printable [30-ct.+; ETS]
$0.50/1 Always Pantiliners printable
$0.50/1 Always Maxi-Pads printable
$1.50/2 Tampax Pearl Products Printable [18-ct.+; ETS]
$0.50/1 Tampax Pearl Product Printable [18-ct.+]
$0.75/1 Tampax Radiant Tampon Product Printable [16-ct.+; ETS]
$0.50/1 Tampax Pearl Product Printable [18-ct.+; ETS]
$0.75/1 Tampax Radiant Tampons printable
$0.50/1 Tampax Pearl Product printable [18-ct.+]
$1.50/1 Tampax Pearl Products printable
Final Price: Varies

$20 ECB wyb MyPurMist handheld steam inhaler for sinues, allergies, colds and more $149.99
Final Price: $129.99 after $20 Gift Card

$10 Gift Card wyb 2 select Huggies or Pampers Baby Dry giant-pack diapers $34.99
$1/1 Huggies Little Movers Boxed Diapers @Target, exp. 10/31/15 (SS 09/13/15)
$1/1 Huggies Little Movers Diaper Pants Target printable
$1/1 Huggies Little Movers Diaper Pants @Target, exp. 12/16/15 (SS 10/18/15)
STACK WITH
$1.50/1 Huggies Little Movers Diapers printable
$2/1 Huggies Little Movers Diapers Printable [Jumbo Pack or larger]
$1/1 Huggies Little Movers Slip-On Diaper Pants Printable [Jumbo Pack or larger]
$1.50/1 Huggies Little Movers Diapers printable [Value may vary]
$1.50/1 HUGGIES Little Snugglers printable
$1.50/1 Huggies Little Movers Diapers printable [Offer value may vary]
$2/1 Huggies Little Movers Slip-On Diapers printable
$1.50/1 Huggies Little Snugglers Diapers printable
$3/2 Huggies Snug & Dry Ultra Diapers printable [Coupon value may vary]
$1.50/1 Huggies Little Snugglers Diapers printable
$2/1 Huggies Little Snugglers, Little Movers or Overnites Diapers, exp. 11/14/15 (SS 10/18/15) [Jumbo pack+]
$1.50/1 Huggies Diapers, exp. 11/14/15 (SS 10/18/15) [Jumbo pack+]
$3/1 Huggies Little Snugglers or Little Movers Diapers or Huggies Overnites Diapers, exp. 11/14/15 (SS 10/18/15 R)
$3/1 Huggies Diapers, exp. 11/14/15 (SS 10/18/15 R) [42-ct.+]
$1/1 Pampers Baby Dry Diapers printable
$1/1 Pampers Baby Dry Diapers Printable [ETS]
$2 off Pampers Cruisers printable [(2) bags or (1) box]
$1/1 Pampers Swaddlers Diapers Printable [ETS]
$1/1 Pampers Cruisers Diapers printable
$1/1 Pampers Cruisers Diapers Printable [Excludes trial/travel size]
STACK WITH
5% off New Huggies Little Movers Diapers (Target Cartwheel)
SUBMIT FOR
$2/1 Huggies Diapers (Mobisave Deposit)
Final Price: $23.29 each WYB 2 after $10 Gift Card

$10 Target Gift Card wyb any two formulas listed
Similac 1.93-lb Advance powder formula $31.99
$2/1 Similac Large Powder Printable [MQ redeemable at Walmart]
Final Price: $24.99 each WYB 2after $10 Gift Card

Enfamil 33.2 oz powder refill system $36.99
Final Price: $31.99 each WYB 2 after $10 Gift Card

$5 Target Gift Card wyb any 2 Glad items listed
Select Glad 45 to 106 ct 13 gallon or 34 to 36 30 gallon trash bags $10.99
$1/1 Glad Trash Bag with Gain or Febreze Scents, exp. 11/9/15 (RP 08/09/15)
STACK WITH
5% off Glad Trash Bags (Target Cartwheel)
Final Price: $6.94 each WYB 2 after $5 Gift Card

$10 Target Gift Card wyb any 2 Pedigree 33-lb Complete Nutrition, Iams 15-lb MiniChunks $17.99
$3/1 Iams Dry Dog Food Printable [12.5-lb.+]
STACK WITH
10% off Iams Cat & Dog Food (Target Cartwheel)
Final Price: $8.19 each WYB 2 after $10 Gift Card

$5 Target Gift Card wyb 2 Gain, Tide, Charmin, Bounty, Downy or Bounce items listed
Tide 100 oz, 64 load or 92 oz 48-load liquid 42-ct Tide Pods or Gain Flings $11.99
$2/1 Tide Pods Printable [31-ct.+; ETS]
$1/1 Tide Detergent Printable [37-oz.+; Excludes Tide Simply, Tide Pods and 10-oz. trial size]
$2/1 Tide PODS printable [31-ct.+]
$2.50/2 Tide Pods, Gain Flings, Downy Fresh Protect, Bounce Bursts, Dreft Blissfuls or Gain Fireworks, exp. 11/7/15 (RP 10/11/15) [Excludes pods 5-ct., downy unstopables, gain flings 5-ct. and trial]
$1/1 Tide Pods, Gain Flings, Downy Fresh Protect, Bounce Bursts, Dreft Blissfuls or Gain Fireworks, exp. 11/7/15 (RP 10/11/15) [Excludes pods 5-ct., downy unstopables, gain flings 5-ct. and trial]
STACK WITH
5% off Gain Flings & Tide Pods (Target Cartwheel)
Final Price: $6.89 each WYB 2 after $5 Gift Card

Charmin 30 pk double plus bonus pack or 18 pk mega roll bath tissue $16.99
$0.75/1 Charmin Ultra Soft or Strong printable [12 roll+]
$0.75/1 Charmin Ultra Soft or Strong Printable [12-ct.+; ETS]
$0.75/1 Charmin Ultra Soft or Ultra Strong Toilet Paper printable
Final Price: $13.74 each WYB 2 after $5 Gift Card

Downy 150 load fabric softener, 19.5 oz, Unstopables, Bounce 240-ct dryer sheets $8.99
$2/2 Unstopables Printable [ETS]
$0.50/1 Downy Fabric Enhancer printable
Final Price: $5.49 each WYB 2 after $5 Gift Card

Bounty 8 pk, giant roll 8 pk, DuraTowel 6 pk with Dawn, or Basic 12 pk $9.99
$0.25/1 Bounty Paper Towels printable
$0.25/1 Bounty Paper Towels Printable [ETS]
$0.25/1 Bounty Paper Towels printable
Final Price: $7.24 each WYB 2 after $5 Gift Card

$5 Target Gift Card wyb any three Kleenex, Clorox or Lysol items listed
Select Kleenex 3 or 4 pk facial tissue or 3 pk 32 ct Clorox disinfecting wipes $5.79
$1/2 Clorox Branded Products Printable [Excludes sample and trial size]
$1/2 Clorox Bleach Products, exp. 11/1/15 (SS 08/30/15) [Excludes 16-oz.]
$0.35/1 Kleenex Ultra or Lotion Facial Tissue printable
$0.35 off Kleenex Tissue printable [(3) 50-ct.+ boxes or (1) bundle pack]
$0.50 off Kleenex 3 Facial Tissue Boxes/Packs Or 1 Bundle Pack Or 1 Hand Towels, exp. 10/25/15 (SS 09/13/15)
STACK WITH
5% off Clorox Disinfecting Wipes (Target Cartwheel)
Final Price: $3.50 each WYB 3 after $5 Gift Card

Lysol 12.5 oz disinfecting spray $3.99
$0.50/1 Lysol Disinfectant Spray printable [12-oz.+]
$0.50/2 Lysol Products printable
$0.50/1 Lysol Disinfectant Spray, exp. 11/1/15 (SS 10/04/15 #2) [12.5-oz.+]
$0.50/2 Lysol Disinfecting Wipes, exp. 11/1/15 (SS 10/04/15 #2) [35-ct.+]
Final Price: $1.82 each WYB 3 after $5 Gift Card

$5 Target Gift Card wyb any three Starbucks and Tazo Keurig brewed K-Cup pods or Starbucks 20 oz bagged coffee
$1.25/1 Starbucks Flavored Packaged Coffee Product Printable [Ground]
$2/2 Starbucks K-CUP Pods printable
$2/2 Starbucks Coffee K-Cups Packs, exp. 11/15/15 (SS 09/13/15 #2) [10-ct.+]
$2/2 Starbucks K-Cup Pods, exp. 12/18/15 (SS 10/18/15)
Final Price: Varies

Grocery

$2 off with the purchase of any two 14 oz or larger bagged candy with coupon
Text CANDY to TARGET (827438)

Mars Trick or Treat candy 52.59 to 80 oz $14
$1/1 Mars Chocolate Halloween Candy Variety Bag Target printable [25.3-oz.+]
STACK WITH
$2/3 Mars Halloween, exp. 10/31/15 (RP 10/04/15) [8.67-oz.+; DND]
$2/3 Mars Halloween Bags, exp. 10/31/15 (RP 09/13/15 #2) [8.67-oz.+; DND]
STACK WITH
5% off Mars Chocolate Halloween Candy (Target Cartwheel)
Final Price: $11.68 each WYB 3

Hershey’s trick or treat candy 16.9 to 33 oz $5
$0.75/1 Hershey’s Assortment Snack Size Bag, exp. 10/31/15 (SS 10/18/15) [22-oz.+]
$1.50/3 Hershey’s, Reese’s, Kit Kat, York, Almond Joy, Mounds, Pay Day, Milk Duds or Whoppers Snack Size Bags, exp. 10/31/15 (SS 10/18/15) [9-oz. to 22-oz. bags]
STACK WITH
5% off Hershey’s Halloween Snack Size (Target Cartwheel)
Final Price: $3.05 each WYB 2 using in-ad coupon

Mars trick or treat candy, 67.8 to 103-oz $19
$1/2 Mars M&M’s, Snickers, 3 Musketeers, Twix, Milky Way Fun Size Brands & MARS Chocolate Variety Bags printable [8-oz.+]
$1/2 MilkyWay or 3 Musketeers Funsize Bag Printable [20-oz.+]
$2/3 Mars Halloween, exp. 10/31/15 (RP 10/04/15) [8.67-oz.+; DND]
$2/3 Mars Halloween Bags, exp. 10/31/15 (RP 09/13/15 #2) [8.67-oz.+; DND]
STACK WITH
5% off Mars Chocolate Halloween Candy (Target Cartwheel)
5% off Mars Chocolate Fun Size Candy (Target Cartwheel)
Final Price: $16.60 each wyb 2 using in-ad coupon

Starburst 10.58 oz Halloween Mix, Tootsie 11.25 oz Caramel apple pops 3/$7
$1/2 Skittles, Starburst or Juicy Fruit Fun Size, exp. 10/31/15 (RP 10/04/15) [7.5-oz.+; DND]
STACK WITH
5% off Skittles Starburst Halloween Candy (Target Cartwheel)
Final Price: $1.72 each WYB 2

Reese’s 2.4 oz Pumpkins, Twix 2.12 oz Ghosts, Hubba Bubba 2 oz gum, M&M’s 1.77 oz, Megatube 5/$5

Cheese puffs 20 oz, popcorn tin 15.5 oz 10% off

Select 14.8 to 18 oz General Mills cereal 2/$6-Original Cheerios and Lucky Charms shown
$1/2 Select General Mills Big G Cereals Printable
$1/2 Cheerios Cereal Printable
$0.50/1 Lucky Charms Cereal Printable
$1/2 Big G Original Cheerios, Honey Nut Cheerios, Multi Grain Cheerios, Multi Grain Cheerios Peanut Butter, Apple Cinnamon Cheerios, Frosted Cheerios, Chocolate Cheerios, Banana Nut Cheerios, Fruity Cheerios, Honey Nut Cheerios Medley Crunch printable
$1/2 General Mills: Honey Nut Cheerios, Lucky Charms, Trix, Cookie Crisp, Cinnamon Toast Crunch, Reese’s, Puffs, Cocoa Puffs, Golden Grahams, Kix, Honey Nut Cheerios Medley Crunch, Honey Kix, Berry Berry Kix, Chocolate Lucky Charms, Chocolate Toast Crunch, or French Toast Crunch, exp. 10/31/15 (SS 09/20/15 R)
$1/3 General Mills Cereals, exp. 11/7/15 (SS 09/27/15)
$1/2 Cheerios Cereals, exp. 10/25/15 (SS 09/13/15)
$0.50/1 Lucky Charms Cereal (SavingStar Deposit)
$1/2 Cheerios Cereals (SavingStar Deposit)
$0.50/1 Lucky Charms Cereal via Upromise Deposit
$1/2 Cheerios Cereals via Upromise Deposit
STACK WITH
10% off Original Cheerios (Target Cartwheel)
Final Price: $2.20 each WYB 2

Quaker Real Medley’s oatmeal 2/$3

Select 10.8 to 18.7 oz Honey Bunches of Oats, Special K or Raisin Bran cereal $2.50
$0.50/1 Kellogg’s Special K Apple Cinnamon Crunch or Frosted Mini-Wheats Pumpkin Spice Cereal printable
$1/1 Kellogg’s Cereal printable [8.7-oz.+; requires reward points]
$1/3 Kellogg’s Special K Cereals printable
Final Price: $1.50

Select Oroweat Bread $2.99
$0.55/1 Oroweat Sliced Bread, exp. 10/31/15 (SS 08/23/15 R) [DND]
$0.55/1 Oroweat Sliced Bread Product, exp. 1/21/16 (SS 10/18/15) [DND]
$0.55/1 Oroweat Sliced Bread Product, exp. 12/31/15 (SS 09/13/15 #2) [DND]
$0.55/1 Oroweat Sandwich Thins Rolls Product, exp. 12/31/15 (SS 09/13/15 #2) [DND]
STACK WITH
20% off Arnold, Brownberry, Oroweat Bread (Target Cartwheel)
Final Price: $1.84

Libby’s 15 oz pure pumpkin $1.89
$0.75 off Libby’s 100% Pure Pumpkin AND Carnation Evaporated Milk, exp. 10/31/15 (RP 08/30/15) [15-oz. pumpkin; 12-oz. milk]
Final Price: VARIES

Select Horizon 64-oz organic milk $4.29

Tropicana 59 oz and Farmstand 46 oz juice 2/$6

Archer Farms 12 oz bagged coffee $5.99

Select Coffee-Mate 32 oz coffee creamer 2/$5
$1/3 Coffee-Mate Liquid Creamers Target printable [16-oz.+]
Final Price: $2.17 each WYB 3

Dannon 4 pk Light & Fit and Oikos Greek Yogurt 2/$6
$0.50/1 Dannon Light & Fit, exp. 11/1/15 (SS 10/04/15 R) [4-ct.]
Final Price: $2.50

Market Pantry 6 to 8 oz shredded and 7 to 8 oz block cheese 2/$5
5% off Market Pantry Cheese (Target Cartwheel)
Final Price: $2.38

All Market Pantry all natural ground beef B1G1 20% off

Sutton & Dodge USDA Choice Angus bottom round roast 20% off

Select Tyson 14 to 25 oz frozen chicken items $5.99
$1/1 Tyson Nuggets Product printable
$1.25/1 Tyson Chicken Strips, exp. 12/5/15 (SS 10/04/15 R)
Final Price: $4.74

Fresh Avocados 4/$5

Fresh 1-lb bag baby carrots 2/$3

Dasani 24 pk water or Powerade 8 pk bottles 2/$8

Gatorade 12 pk 12 oz bottles $5.99

Archer Farms 8 oz sugar snap peas and Sabra 10-oz hummus 2/$5
$1/1 Sabra Product printable [8-oz.+]
Final Price: $1.50

Naked 15.2 oz juice 2/$5
$1/1 Naked Juice Product printable [15.2-oz.]
Final Price: $1.50

Coca-Cola 12 pk 12 oz cans and 8 pk 12 oz bottles 3/$11

Fresh Pumpkins $3.99

Free 2 Liter Pepsi Brand soda wyb and 3 Red Baron and Totinos Pizza Rolls, 40 ct 3/$9
$1/2 Red Baron Pizzas, exp. 11/28/15 (SS 10/18/15) [7.2-oz.+; DND]
STACK WITH
10% off Red Baron Multi-Serve Frozen Pizza (Target Cartwheel)
SUBMIT FOR
$1/1 Red Baron Pizza (Ibotta Rebate) [12-oz.+]
Final Price: $1.70 each WYB 2

Tyson 25.5 to 28 oz frozen Any tizers 2/$10

Kraft Foods 5.5 oz macaroni & cheese shapes 5/$5

Kool-Aid Jammers 10 pk 3/$5

Halloween multipacks cookies, crackers 15% off

All Market Pantry Halloween Sweet treats $2.99
5% off Market Pantry Bakery Treats (Target Cartwheel)
Final Price: $2.85

Select Archer Farms nuts, trail mix and Harvest Snacks 10% off

Oreo 10.1 to 15.35 oz cookies $2.99

M&M’s 8 to 11.4 oz bag 2/$4
$0.75/2 M&M’s Halloween Chocolate Candies Target printable [8-oz. to 11.4-oz.]
STACK WITH
$1/2 Mars Harvest Bags, exp. 10/31/15 (RP 08/23/15) [DND]
SUBMIT FOR
$1/1 M&M’s Chocolate Candies @Target (Checkout 51 Deposit) [8-oz. to 11.4-oz.]
Final Price: $0.63 each WYB 2

Reese’s 11 oz fall miniatures, Hershey’s 11 oz milk chocolate Kisses 3/$10
$1/3 Hershey’s Miniatures Assortment, Hershey’s Kisses or Reese’s or York Miniatures, exp. 11/8/15 (SS 09/13/15 #2) [10-oz.+]
Final Price: $3.00 each WYB 3

Health & Beauty

Bausch+Lomb Renu Twin-Pack multipurpose contact lens solution $13.99
$2/1 Renu Solution printable [Register]
$2/1 Bausch & Lomb Renu printable [12-oz.+]
$2/1 Renu Product printable
Final Price: $11.99

up & up twin-pack multipurpose contact lens solution $7.99

Probar 4 pk or Larabar 5-pk nutrition bars 10% off
$1/1 Larabar, Uber, Alt or Renola Multipack printable
Final Price: Varies

Band-Aid 20-ct Paw Patrol or Teenage Mutant Ninja Turtles bandages $2.79
$0.50/1 Band-Aid Brand of First Aid Products printable [Excludes all trial & travel sizes and First Aid Kits]
$0.50/1 Band-Aid Brand Product printable [ETS]
$3/2 Motrin IB or PM, Band-Aid, Benadryl, or Bengay, exp. 11/29/15 (SS 10/04/15) [ETS]
Final Price: $1.29 each WYB 2

up & up 48 ct day/night cold/flu mutlisymptom combo pack $7.50

Tylenol 100-ct extra-strength pain relief caplets $8.99
$2.50/2 Tylenol Products, exp. 11/29/15 (SS 10/04/15) [ETS]
$1/1 Tylenol Extra Strength, Regular Strength, Children’s, Infants’, Cold, Sinus or Simply Sleep, exp. 11/29/15 (SS 10/04/15) [ETS]
Final Price: $7.74 each WYB 2

Household

Select Scotch Brite 4 pk. heavy-duty sponges or Dawn 28 to 34.2 oz dish liquid soap $3.99
$0.50/1 Scotch-Brite Product, exp. 11/30/15 (SS 10/11/15)
$0.25/1 Dawn Product Printable [ETS]
$0.25/1 Dawn Dish Soap printable
$0.90/3 Dawn Products Printable [10-oz.+; ETS]
Final Price: $3.49

Seventh Generation 25 oz dish or 12 oz hand soap 3/$8

up & up 24 pk double-roll bath tissue $12.49

Select 2 pk Glade Plugins or Air Wick oil refills $4.89
$1 off Glade Plugins Scented Oil Refills, exp. 1/17/16 (SS 10/25/15) [(1) twin or (2) singles; Excludes solid air freshener and 8-oz. room spray]
SUBMIT FOR
$0.75/1 Glade PlugIns Scented Oil Refill (Ibotta Rebate) [Any scent; 2 Pack Refill only]
Final Price: $3.14

Clorox Control 12-ct bleach packs $3.59
$1/2 Clorox Branded Products Printable [Excludes sample and trial size]
$0.75/1 Clorox Bleach Crystals or Packs, exp. 11/1/15 (SS 08/30/15)
$1/2 Clorox Bleach Products, exp. 11/1/15 (SS 08/30/15) [Excludes 16-oz.]
Final Price: $2.84

Baby/Pet

up & up baby wipes in scented unwanted and sensitive 736 to 800-ct 25% off

Diaper Genie 2 pk refills $11
$1.50/1 Playtex Diaper Genie Refill printable
$2/1 Diaper Genie Refill printable
Final Price: $9.00

Gerber Graduates 1.48-oz Puffs or Lil Crunchies $1.87
$1/3 Gerber Graduates Puffs, Lil’ Crunchies, or Yogurt Melts Items Printable [off any 3 Gerber Graduates Puffs, Lil’ Crunchies, or Yogurt Melts items]
Final Price: $1.54 each WYB 3

All Milk-Bone, Milo’s Kitchen, Snausages, Canine Carry-Outs and Pup-Peroni dog treats 10% off
$1/1 Milk-Bone Good Morning daily vitamin treats Printable
$1/1 Milk-Bone Good Morning Daily Vitamin Treats, exp. 11/22/15 (SS 09/13/15 #2)
$1/2 Milk-Bone Dog Snacks, exp. 11/30/15 (SS 10/04/15 #2)
$1/1 Milk-Bone Good Morning Daily Vitamin Treats, exp. 12/13/15 (SS 10/18/15)
$1/2 Milo’s Kitchen Dog Treats, exp. 11/30/15 (SS 10/04/15 #2)
$0.75/3 Canine Carry Outs Dog Snacks Printable
STACK WITH MATCHING
10% off Milo’s Kitchen Dog Snacks (Target Cartwheel)
10% off Milk-Bone Dog Snacks (Target Cartwheel)
Final Price: Varies

Fresh Step 25-lb multi-cat litter, Meow Mix 16-lb dry cat food $10.99
$0.75/1 Meow Mix Dry Cat Food, exp. 11/8/15 (SS 09/13/15 #2) [3-lb.+]
SUBMIT FOR
$1/1 Meow Mix Dry Cat Food (Mobisave Deposit) [3-lb.+]
Final Price: $9.24

The post Here Are the Best Deals at Target This Week (10/25-10/31) appeared first on The Penny Hoarder.

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11 Ways to Get Out of Debt Faster

Picking up a seasonal part-time job is one way to put a bigger dent in your debts. Photo: Home Depot

As of early 2015, the average American household owed $7,281 on their credit cards. And when you remove debt-free households from the equation — people with either no debt or no credit to speak of – the average debt load was more than double that, at $15,609.

Add in the fact that the average 2015 college graduate will leave school with more than $35,000 in loans, and it’s easy to see how so many people are struggling — and why some choose to bury their heads in the sand. For many in debt, the reality of owing so much money is too much to bear to face — so they simply choose not to.

But sometimes, disaster strikes and people are forced to confront their circumstances head-on. A series of unfortunate events — a sudden job loss, an unexpected (and expensive) home repair, or a serious illness — can knock one’s finances so off track they can barely keep up with their monthly payments. And it’s in these moments of disaster when we finally realize how precarious our financial situations are.

Other times, we just become sick of living paycheck to paycheck, and decide we want a better life — and that’s OK, too. You shouldn’t have to confront disaster to decide you don’t want to struggle anymore, and that you want a simpler existence. For many people, becoming debt-free the hard way is the best and only way to take control of their lives and their futures.

How to Get Out of Debt Faster

Unfortunately, the space between realizing you need to pay off debt and getting out of debt can be wrought with hard work and heartache. No matter what kind of debt you’re in, paying it off can take years — or even decades.

Fortunately, some strategies exist that can make paying off debt faster — and a whole lot less painful. If you’re ready to get out of debt, consider these tried-and-true methods:

Strategy #1: Pay more than the minimum payment.

If you carry the average credit card balance of $15,609, pay a typical 15% APR, and make the minimum monthly payment of $625, it will take you 13.5 years to pay it off. And that’s only if you don’t add to the balance in the meantime, which can be a challenge on its own.

Whether you’re carrying credit card debt, personal loans, or student loans, one of the best ways to pay them down sooner is to make more than the minimum monthly payment. Doing so will not only help you save on interest throughout the life of your loan, but it will also speed up the payoff process. To avoid any headaches, make sure your loan doesn’t charge any prepayment penalties before you get started.

Strategy #2: Try the debt snowball method.

If you’re in the mood to pay more than the minimum monthly payments on your credit cards and other debts, consider using the debt snowball method to speed the process up even more and build momentum.

As a first step, you’ll want to list all of the debts you owe from smallest to largest. Throw all of your excess funds at the smallest balance, while making the minimum payments on all your larger loans. Once the smallest balance is paid off, start putting that extra money toward the next smallest debt until you pay that one off, and so on.

Over time, your small balances should disappear one by one, freeing up more dollars to throw at your larger debts and loans. This “snowball effect” allows you to pay down smaller balances first — logging a few “wins” for the psychological effect — while letting you save the largest loans for last. Ultimately, the goal is snowballing all of your extra dollars toward your debts until they’re demolished — and you’re finally debt-free.

Strategy #3: Pick up a side hustle.

Attacking your debts with the debt snowball method will speed up the process, but earning more money can amplify your efforts even further. Nearly everyone has a talent or skill they can monetize, whether it’s babysitting, mowing yards, cleaning houses, or becoming a virtual assistant.

With sites like TaskRabbit.com and Elance.com, nearly anyone can find some way to earn extra money on the side. The key is taking any extra money you earn and using it to pay off loans right away. If you’re looking for ideas, check out 50 Side Businesses You Can Start on Your Own.

Strategy #4: Create (and live with) a bare-bones budget.

If you really want to pay down debt faster, you’ll need to cut your expenses as much as you can. One tool you can create and use is a bare-bones budget. With this strategy, you’ll cut your expenses as low as they can go and live on as little as possible for as long as you can.

A bare-bones budget will look different for everyone, but it should be devoid of any “extras” like going out to eat, cable television, or unnecessary spending. While you’re living on a strict budget, you should be able to pay considerably more toward your debts.

Remember, bare-bones budgets are only meant to be temporary. Once you’re out of debt — or a lot closer to your goal — you can start adding discretionary spending back into your monthly plan.

• Related: How to Create a Bare-Bones Budget

Strategy #5: Sell everything you don’t need.

If you’re looking for a way to drum up some cash quickly, it might pay to take stock of your belongings first. Most of us have stuff lying around that we rarely use and could live without if we really needed to. Why not sell your extra stuff and use the funds to pay down your debts?

If you live in a neighborhood that permits it, a good old-fashioned garage sale is normally the cheapest and easiest way to unload your unwanted belongings for a profit. Otherwise, you can consider selling your items on one of the various online marketplaces outlined in this post: Beyond eBay: Six Better Ways to Buy, Sell, and Trade Stuff Online

Strategy #6: Get a seasonal, part-time job.

With the holidays coming up, local retailers are on the lookout for flexible, seasonal workers who can keep their stores operational during the busy, festive season. If you’re willing and able, you could pick up one of these part-time jobs and earn some extra cash to use toward your debts.

Even outside of the holidays, plenty of seasonal jobs may be available. Springtime brings the need for seasonal greenhouse workers and farm jobs, while summer calls for tour operators and all types of outdoor, temporary workers from lifeguards to landscapers. Fall brings seasonal work for haunted houses, pumpkin patches, and fall harvest.

The bottom line: No matter what season it is, a temporary job without a long-term commitment could be within reach.

Strategy #7: Ask for lower interest rates on your credit cards — and negotiate other bills.

If your credit card interest rates are so high it feels almost impossible to make headway on your balances, it’s worth calling your card issuer to negotiate. Believe it or not, asking for lower interest rates is actually quite commonplace. And if you have a solid history of paying your bills on time, there’s a good possibility of getting a lower interest rate.

Beyond credit card interest, several other types of bills can usually be negotiated down or eliminated as well — we highlighted them in Six Bills You Can Negotiate Down to Save Money. Always remember, the worst anyone can say is no. And the less you pay for your fixed expenses, the more money you can throw at your debts.

Strategy #8: Consider a balance transfer.

If your credit card company won’t budge on interest rates, it may be worth looking into a balance transfer. With many balance transfer offers, you can secure 0% APR for up to 15 months, although you might need to pay a balance transfer fee of around 3% for the privilege.

The Chase Slate card, on the other hand, doesn’t charge a balance transfer fee for the first 60 days. Further, the card offers a 0% APR on balance transfers and purchases for the first 15 months. If you have a credit card balance you could feasibly pay off during that time frame, transferring the balance to a 0% APR card like this one could save you money on interest while simultaneously helping you pay down debt faster.

• Related: Best Balance Transfer Credit Cards for 2015

Strategy #9: Use ‘found money’ to pay off balances.

Most people come across some type of “found money” throughout the year. Maybe you get an annual raise, an inheritance, or bonus at work. Or maybe you count on a big, fat tax refund every spring. Whatever type of “found money” it is, it could go a long way toward helping you become debt-free.

Each time you come across any unusual sources of income, you can use those dollars to pay off a big chunk of debt. If you’re doing the debt snowball method, use the money to pay down your smallest balance. And if you’re left with only big balances, you can use those dollars to take a huge chunk out of whatever’s left.

Strategy #10: Drop expensive habits.

If you’re in debt and consistently coming up short each month, evaluating your habits might be the best idea yet. No matter what, it makes sense to look at the small ways you’re spending money daily. That way, you can evaluate whether those purchases are worth it — and come up with ways to minimize them or get rid of them.

If your expensive habit is smoking or drinking, that’s an easy one — quit. Alcohol and tobacco do nothing for you except stand between you and your long-term goals. If your expensive habit is slightly less incendiary – like a daily latte, restaurant lunches during work hours, or fast food — the best plan of attack is usually cutting way down with the goal of eliminating these behaviors or replacing them with something less expensive.

• Related: Programming Your Autopilot: 10 Good Money Habits and How to Form Them

Strategy #11: Step away from the _____.

We’re all tempted by something. For many, it might be the local mall or our favorite online store. For others, it might be driving by a favorite restaurant and wishing we could pop inside for a favorite meal. And for those with a penchant for spending, having a credit card in their wallet is too much temptation to bear.

Whatever your biggest temptation is, it’s best to avoid it altogether when you’re paying down debt. When you’re constantly tempted to spend, it can be difficult to avoid new debts, let alone pay off old ones.

So, avoid temptation wherever you can, even if that means taking a different way home, avoiding the Internet, or keeping the fridge stocked so you aren’t tempted to splurge. And if you must, stash those credit cards away in a sock drawer for the time being. You can always bring them back out once you’re debt-free.

The Bottom Line

It’s easy to continue living in debt if you never have to face the reality of your situation. But when disaster strikes, you can gain a brand new outlook in a hurry. It’s also easy to get sick of the paycheck-to-paycheck lifestyle, and look for ways to get out from under the crushing weight of too many monthly payments.

No matter what type of debt you’re in — whether it’s credit card debt, student loan debt, car loans, or something else — it’s important to know there is a way out. It may not happen overnight, but a debt-free future could be yours if you create a plan — and stick with it long enough.

No matter what that plan is, any one of these strategies can help you pay off debt faster. And the faster you become debt-free, the quicker you can start living the life you truly want.

What are some strategies you have used to pay down debt quickly? Have you ever tried anything on this list?

The post 11 Ways to Get Out of Debt Faster appeared first on The Simple Dollar.

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This Guy Literally Wrote the Book on How to Travel the World on $50 a Day

Being a budget traveler doesn’t mean traveling like a pauper — spending your days dumpster diving for food, sleeping on couches, eating pasta, skipping drinks or not doing anything.

Budget travel is about knowing when and where to find the best deals, and how to get the most value out of each dollar. Through more than 80 countries and 10 years of budget travel, I’ve perfected various ways to travel on about $50 a day.

It’s not only because I’m cheap, but because I believe getting out of the hotel/tour/tourist industry allows you to connect better with the local way of life, meet others and save more money. When you travel like you live at home, your money lasts longer — and when your money lasts longer, you can travel longer.

Luckily, thanks to the growth of the sharing economy, and the rise of blogs, services designed to connect travelers with locals and deal-finding websites, there’s never been a better time to be a budget traveler.

Here are my favorite ways to save money on travel.

1. Get Free Flights

Plane tickets are one of the biggest expenses for travelers, but there are many ways to get free flights with frequent flyer points, even if you aren’t up in the air every week.

Get a few travel rewards credit cards so you can accrue points to redeem for free flights. Most cards offer sign-up bonuses of 50,000 points, and these points will usually get you two flights. I’ve used these sign-up bonuses to collect close to a million extra miles.

If you sign up for both an airline card (like a United MileagePlus Explorer card) and a general rewards card like the Chase Sapphire Preferred, you can combine the two point balances to get a cheap flight faster. Here’s more information on how to pick the perfect travel credit card.

After you get the card, maximize your spending to increase your mileage balance. Like George Clooney in Up in the Air, never spend a dollar if it doesn’t get you points, and make sure you are always earning as many points as possible.

We’re lucky that here in the U.S. we have access to such an abundance of points. I’ve flown to Europe, Dubai, home to Boston and across the country multiple times this year on points! Here are three big ways I earn them:

Watch for Deals

I sign up for all the airline mailing lists and keep an eye out for special deals like 2-for-1 miles or ways to earn extra miles.

For example, United Airlines just gave me 1,000 miles for watching a demo on their new shopping toolbar.  

Shop Through Airline Portals

Speaking of shopping, all airlines have special offers with all the big online stores — Amazon, Apple, Best Buy, Target — as long as you shop through their portals.

You can earn 2 to 4 miles per dollar you spend, sometimes even more. If you spend 1,000 dollars a month, you can earn up to 3,000 miles — just for shopping through the airline site, and without spending any extra money. I do all my shopping through these airline malls simply for the extra miles.

Here are a few to start with:

• United MileagePlus Shopping

• Delta SkyMiles Shopping

• Southwest Rapid Rewards Shopping

Join Airline Dining Programs

Similarly, you can earn extra points when you eat at certain restaurants — without spending any extra money.

Sign up for their dining programs via Rewards Network (for example, here’s American Airlines program) and when you dine at participating restaurants or bars, you can get up to 5 points per dollar spent.

2. Fly on New Budget Airlines

One of the biggest changes in travel in recent years has been the explosion of budget airlines like Norwegian Air, WOW and Air Asia fly cheaply from the US to Europe and Asia.

They do the same thing as other major carriers — getting you between continents — just at lower costs. You don’t get any food on your flights, the seats are tiny and you have to pay for your movies, but you’ll get from point A to point B at a fraction of the cost.

For example, Norwegian Air flies from both U.S. coasts to Europe for as little as $150 one way, and from Europe to Asia for as little as $200 one way. In Southeast Asia, Air Asia has flights for $20 one-way around the region and $150 one way to Korea, Japan, India and Australia!

3. Housesit

Can’t afford your vacation? Watch someone’s house while they go on theirs.

Housesitting websites let you watch people’s homes for free, allowing you to stay in one destination and get to know it well without having to pay for accommodation. Added bonus: You get a kitchen to cook your food!

You’ll usually need to make a commitment of at least a week. One of my favorite websites for finding housesitting gigs is Trusted Housesitters.

4. Use the Sharing Economy

Back in the day, you had to book flights at the airport, find hotels in the Yellow Pages and plan everything weeks, if not months, in advance. Thankfully, it’s not 1987 anymore.

While many sharing economy websites have existed for years, they keep growing all the time — Airbnb had 550,000 listings in 2013, and now it has more than a million! You’ll find travel sharing economy websites for just about anything, from transportation to guided tours, meals and lodging.

This sea change in how people connect is a huge bonus for travelers as it gets you off the beaten path, out of the tourist industry and their high prices, and connects you with local community. Some of my favorites include:

• Airbnb (accommodation)

• EatWith (meal sharing)

• Vayable (local tour guides)

• BlaBlaCar (ride sharing)

• Kangaride (ride sharing)

• Colunching (meal sharing)

• Camp in My Garden (accommodation)

• Guided by a Local (local tour guides)

• Couchsurfing (accommodation)

5. Cook Your Own Meals

The best way to save money on the road is to cook all your own meals. I recently spent $60 for a week’s worth of groceries in Stockholm instead of an average of $15 per meal eating out. That’s a savings of $150!

If you are Couchsurfing or staying at an Airbnb, your host will probably have a kitchen. So do many hostels, campsites and guesthouses.

No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove.

Just because you’re traveling, you don’t need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day. Eat the way you do back at home, and you’ll find yourself saving a lot of money while getting to know the local ingredients and cuisine.

6. Take Free Walking Tours

Want to learn about the city, get your bearings and see the major sights? Take a free walking tour.

You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, New York, Australia and New Zealand. They last a few hours, can cover a variety of topics and themes, and are an excellent way to learn about the region.

I take walking tours as often as possible. The tourist information center or a simple Google search can tell you about options in your destination.

7. If You’re Visiting Lots of Attractions, Get a Tourism Card

City tourism cards get you into many attractions for one price, stretching your sightseeing dollars. I’ve saved more than $100 in London by using them, $80 in Paris and $30 in Oslo.

Typically, a pass costs as much as two or three museum entrances, but includes access to dozens of attractions. Make sure you’ll get your money’s worth by adding up the entrance fees of the places you want to visit before you buy one, though!

Best of all, you can get them at the local tourism office and, as an added bonus, they often come with free public transportation. These cards usually come in one-,three- or five-day versions.

8. Stop Paying Bank Fees

There’s no reason to spend $3 every time you take out cash, or to pay 3% when you buy stuff abroad. You know, unless you like wasting money.

Get a no-fee debit card and credit card. The Charles Schwab ATM card reimburses all ATM fees, and credit cards like Chase Sapphire Preferred, Starwood American Express and Capital One Venture don’t charge foreign transaction fees. Sign up for these accounts and cards online — but check with your local bank to see if it offers any no-fee cards, too.

On a similar note, always use the local currency when you use your card. If they give you an option to pay in USD, don’t do it! The exchange rate will be worse than what your bank will give you, and the transaction includes hidden fees. Just say no to paying in your own currency.

9. Sign Up for Deal Websites

Instead of spending hours searching for deals and last-minute mistake fares, have someone else do it for you. This way, you’ll get an alert when there’s a deal so you can jump on it (because travel deals do not last long!).

My favorite deal websites are The Flight Deal, Airfarewatchdog and Holiday Pirates. Here’s another great list of travel hacking resources to bookmark.

Finding travel deals is easier than ever. Travel changes at a lightning pace and thanks to a more interconnected, tech-savvy world, it’s never been easier to travel cheaper, better and longer.

Don’t wait until next year to go to the places you’ve always wanted to go. Stop dreaming and start traveling.

Your Turn: What’s your #1 budget travel tip? Share it in the comments!

Disclosure: We have a serious Taco Bell addiction around here. The affiliate links in this post help us order off the dollar menu. Thanks for your support!

Matthew Kepnes is a travel writer and author of New York Times bestseller How to Travel the World on $50 A Day and the creative force behind Nomadic Matt, a website that provides detailed information on how to travel cheaper, better and longer. His advice is often featured in Time, CNN, The Wall Street Journal, New York Times, Lifehacker, Buzzfeed, National Geographic, BBC and The Guardian, among other publications.

The post This Guy Literally Wrote the Book on How to Travel the World on $50 a Day appeared first on The Penny Hoarder.

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