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الثلاثاء، 15 مارس 2016

Yup, Really: Amazon is Trying to Make Pay-By-Selfie a Thing

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We recently learned it would cost nearly $13 billion to buy one of everything on Amazon.

Though I definitely don’t have the need, desire or bankroll to do that, the ginormous retailer is still one of my favorite places to shop.

And soon, I may be able to check out in a very unique way: by taking a picture of myself.

Here’s what I mean…

How Pay-By-Selfie Would Work

A few days ago, Amazon applied for a patent to allow customers to verify their identities and complete purchases — all by taking a selfie.

It wouldn’t be just your standard duck face, either.

To prove you’re a human — and the human you say you are — you’d have to ham it up for the camera.

“The device can prompt the user to perform certain actions, motions, or gestures, such as to smile, blink, or tilt his or her head,” reads the patent. The device would then “analyze the captured video to… authenticate an identity of the user.”

In other words? You’d better start practicing your wink — it could soon replace your impossible-to-remember password!

Your Turn: What do you think of pay-by-selfie? Creepy or cool?

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

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7-Eleven’s Letting You Fill Almost Anything You Want With Slurpee for $1.50

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You’ll never guess who’s turning 50 this year.

He’s icy cold, but despite his age, he remains deliciously hard to resist. He does hang out at 7-Eleven more than you might like, however.

That’s right: It’s the 50th anniversary of the Slurpee.

And to celebrate, 7-Eleven is hosting a two-day-long Bring Your Own Cup Day. On March 18th and 19th between 11 a.m. and 7 p.m., you can fill up for just $1.50.

The best part of the deal? It doesn’t have to be a cup.

7-Eleven’s Bring Your Own Cup Day

7-Eleven will honor the #BYOCUPDAY deal for almost any vessel you can reasonably imagine filling with a Slurpee. According to the rules, it just has to be:

  • able to fit through a 10-inch hole
  • food safe
  • watertight (duh?)
  • the only one you buy — the deal is only good for one “cup” per person.

That leaves a lot of leeway. Fishbowl? Check. One of your lucky sneakers? Not so much… but that couldn’t fit a lot of Slurpee, anyway.

Toasters are prohibited, but pineapples are totally cool.

So grab your favorite flower vase — or secretly flush your child’s goldfish (don’t really) — and hit your local 7-Eleven this weekend for a sweet treat on the cheap.

You might want to check your blood sugar afterwards, though.

Your Turn: What vessel will you fill with a delicious Slurpee on Bring Your Own Cup day?

Jamie Cattanach (@jamiecattanach) is a staff writer at The Penny Hoarder. She also writes other stuff, like wine reviews and poems.

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Let women take their pension early, say MPs

Women who are suffering as a result of rapid increases to their state pension age, should be able to access the state pension early, according to a group of MPs.

Women who are suffering as a result of rapid increases to their state pension age, should be able to access the state pension early, according to a group of MPs.

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We Gave Eight Households $100 to Spend at the Grocery Store

Can you guess who bought a $62.99 bottle of wine, who spent nearly $50 on pizza rolls and other junk food, and who spent the most on non-food items?

100groceries

We partnered with our friends at Cut to conduct our own little experiment on buying behavior. First, we handed eight households $100 and sent them to the grocery store. Afterward, we filmed them to get insight into the “why” behind their purchases.

Check out everything that happened here:

Setting the stage

Our human test subjects came from all walks of life.

A single 30-year-old bartender. A college student who lives on campus with her three roommates. An unemployed, married couple (both artists). A software engineer who’s married with two kids. A tight-budgeted, single mother. A retiree on social security. A mother with three kids crawling all over her, and a single, young professional woman.

Spoiler alert: They don’t spend the same way.

Putting the people to the test

Let’s get some background on our test subjects so you can better understand where they’re coming from.

Tripp

  • Age: 30
  • Single
  • Bartender
  • Striving to be middle class
  • Used his $100 for a night of indulgence
  • Parents are tight with money… he’s not

Karen

  • Age: 19
  • Single
  • College Student
  • Lives with three other girls
  • Obsessed with pizza
  • Thinks she is bad with money

Clyde

  • Age: 77
  • Single
  • Retired
  • Currently collecting social security
  • $100 is 9 percent of his monthly budget

Erica

  • Age: 32
  • Married
  • Mother and Student
  • Has three kids
  • Spent nearly half her budget on non-food items like diapers

Mick and Anthony

  • Ages: 46 and 36
  • Married
  • Unemployed Artists
  • Have only eaten out twice in the past year
  • Majority of their budget went to produce

Komal

  • Age: 35
  • Married
  • Mother and Software Engineer
  • Has two kids
  • Didn’t buy any pre-packaged foods or non-food items

Toni

  • Age: 35
  • Single
  • Mother and Teacher
  • Tight with money, great budgeter
  • Purchased a balanced number of items in each category

Joane

  • Age: 27
  • Single
  • Marketing
  • Purchases centered around ingredients she could cook
  • Biggest indulgence? A bottle of wine for less than $10

Digging into the spending

After everyone spent their $100, we split their purchases into six different categories:

  1. Meat, Dairy, & Grain
  2. Produce
  3. Oils & Spices
  4. Pre-Packaged Foods
  5. Junk Food & Sweets (includes alcohol)
  6. Non-Food Items

Here’s what they bought:

The Balanced (and Most Frugal) Spenders
Clyde, Toni, and Mick and Anthony were the most frugal of the eight. Each of these three purchased something in all of the categories and got the most number of items for their money. They clearly made a point to get the most for their Benjamin.

The Most Unbalanced
We already know Tripp dropped $62.99 on a bottle of wine, which automatically made his spending the most unbalanced of the group. That’s more than half his budget all in one place. The rest went to avocados, asparagus, a nice piece of steak, a baguette, and a couple of tiny notebooks.

The Most Non-Food Purchases
Erica, the mother of three, also purchased no pre-packaged foods or oils and spices. However, while Tripp sips wine, Erica needs to change diapers and feed her kids healthy food. That explains why 90 percent of her budget went into non-food items and produce.

The Most Junk Food
Karen didn’t buy any produce or non-food items. Instead, she unloaded 80 percent of her budget on junk food and pre-packaged foods. She didn’t buy any produce, non-food items, or oils and spices, but, hey she eats those pizza rolls every day.

The Cooks
The two biggest cooks spent the most on spices and oils and on Komal’s purchases centered around feeding her family with home cooked food — lots of potatoes, lentils, and produce, but nothing pre-packaged. Joane, the young professional, also focused on foods she could cook and healthy produce items. Her junk food? Only one a $8.99 bottle of wine. Neither spent any money on non-food items.

What does $100 mean to you?

For a single mother, like Toni, $100 means food for the week. For Tripp, it’s one night of indulgence. For Komal, it makes her think of her roots in India — a $100 there is an entire month’s income. For Clyde, it’s 9 percent of his monthly social security income, which doesn’t seem like enough. For Mick and Anthony (who are unemployed), that money just means they have enough to get by a little longer.

While $100 is a constant, measurable value, the perceived value from person to person is not the same.

It is pretty amazing to me how a single value can be thought of so differently. I know a “hundo” doesn’t mean the same thing to me that it does for my parents. Even though my parents have more money than me, I know that $100 means less to me. It’s counterintuitive, but I think it has to be a generational thing. For one, stuff just costs more. Plus, growing up with credit cards and the Internet has made spending $100 like that so much easier.

It was somewhat eye-opening to see I’m currently most like Tripp — I’m not married, I don’t have kids, I don’t have to buy groceries, and I will drop some money on wine (although, not over $60).

What would you buy at the grocery store for $100?

We’d love to hear how you’d spend that money. Do you identify with any of the people in our video? Or would you spend completely differently than everyone else?

Shoot us an email or drop your thoughts in the comments section below.

The post We Gave Eight Households $100 to Spend at the Grocery Store appeared first on The Simple Dollar.



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My Job Is Killing Me

My Job Is Killing Me

When I was in the process of deciding whether or not to walk away from my previous career, I made a balance sheet of “pros” and “cons.”

The “pros” list was straightforward. I loved the people I worked with, especially the two other people on my core team. I really enjoyed parts of my actual work, too.

The “cons” list was a lot longer, though. I absolutely hated the bureaucracy. I didn’t like traveling and being away from my children. However, one thing that really stood out on my “cons” list was the fact that if something went wrong at work, even if it was way outside of my wheelhouse, I was almost always the one who took care of it. I often felt completely overloaded while, at the same time, uncertain as to what aspects of the many challenges at work I was personally responsible for.

I remember one weekend in particular where my wife’s family came to visit and I basically had to spend the entire weekend fixing a major crisis at work. I almost entirely missed out on seeing them, missed out on several meals together, and just felt awful about it. Even worse, I essentially received no pay or compensation for that extra time – it was just expected.

Even worse, I remember being asked to come into work during my wife’s labor for one of our children, without even a chance of extra compensation, even though I had filed appropriately for that time off.

Those experiences put me into a deep funk for the last several months at work. I ate a lot of unhealthy food. I didn’t exercise. During what little free time I had, I just kind of sat around in a funk.

My job was killing me. So I quit.

I took a giant professional risk and became a freelance writer (among other hats). Eight years later, I’m still doing just that.

The thing was, this wasn’t an easy switch. I didn’t wake up one morning and decide to quit my job to be a freelance writer. I had spent years trying to make it work on my own in my spare time. Without all of that initial effort, I would have been stuck at that previous job for many more years.

Looking back, however, I can see how I could have handled the whole situation better. There were a lot of things I could have done to make that situation more tenable and even enjoyable for me. I just didn’t see the forest for the trees.

Here are seven smart strategies I could have used at that time to turn a job that was killing me into something much better.

Strategy #1 – Do Something

If you’re in a job that’s draining away your life, the absolute worst thing you can do is to go home at the end of the day and wallow in your own sadness. Doing so will not help things get better. It will actually make things worse.

The reason for this is simple. If you go home and sit around in a funk about how hard your job is, or you sit at your desk or your work area feeling miserable about everything, you’re doing absolutely nothing to make your job situation better. All you’re going to do is feel bad about your professional situation, and without additional effort from you, your professional situation is not going to change.

Instead, start looking at your spare time where you feel burnt out – both at work and at home – as time that you can start using to either improve your current job situation or build a path to a new one.

For example, you can start building a side gig. There are many ways of doing this – starting a Youtube channel, building wooden furniture in your garage, fixing computers, launching websites, and so on.

You can get some exercise to burn off those negative feelings. When I’m feeling stressed out, going on a two hour walk in a state park or even around the neighborhood makes me feel far better than channel surfing or staring at the computer for two hours. Just do something to move around.

You might want to take some classes or other forms of training. This can help you get a promotion at work, find a new job, or even simply learn how to do your current job better so that it’s less stressful.

If nothing else, just take the time to make some healthy meals. Eating a little better will make you feel a little better over time.

The thing is, you can’t do any of those things if you just sit around and feel burnt out. So stop sitting at your desk or on your couch doing nothing and start doing something – any of these things will do because, at the very least, they will make you feel a little better and get a little healthier.

Strategy #2 – Build an Emergency Fund

Here’s the reality: 76% of Americans live paycheck to paycheck. In other words, they don’t have enough cash available to them to be able to survive for more than six months without their job. 27% have nothing at all.

What does that mean? It means that an awful lot of people are completely handcuffed to their job. They have to keep working because if they don’t, they can’t survive for very long at all. Bills have to be paid, after all.

If you’re earning minimum wage and find yourself in that situation, the solution is pretty easy. Most people can easily find another minimum wage job.

However, many people that feel professional burnout have a job that has a high level of pay, yet it’s still fairly likely that they’re living paycheck to paycheck. They’re financially chained to their job but they don’t have the flexibility to switch to a job at Burger King or Home Depot. Their minimum monthly expenses are far higher than what they can swing with a minimum wage job.

Often, it’s those financial handcuffs that make you feel “stuck” at your job. You don’t really have the option to quit. You don’t really even have the option to take much professional risk. Instead, you simply have to take what’s given to you and live with it.

Having a big, healthy emergency fund changes that equation. Suddenly, a job loss doesn’t mean immediate financial apocalypse. It means that everything doesn’t start collapsing if you’re let go from your job. It means that taking a risk at work doesn’t seem quite so risky. It means that shopping around for another job won’t potentially backfire you in such a disastrous way.

How do you get started? The easiest way to do it – and the way I recommend – is to open up a savings account with a reputable online bank, like Ally Bank, and then set up an automatic transfer that moves a small amount of money each week from your main checking account into that emergency fund. You won’t even notice a small amount – it will mean just skipping out on buying something at a convenience store or something else that you’ll not even notice – but the more you put aside, the faster you’ll have some money for an emergency.

When you have an emergency fund in the bank – one that can cover your living expenses for at least a few months – you no longer feel like you’re being held to the fire every day at work. You no longer feel like you can’t take any kind of risk at work. In other words, an emergency fund is a very powerful tool for helping cut through work stress and misery.

Strategy #3 – Start Building Your Resume by Taking on Resume Builders

A “resume builder” is simply a task that you take on that can add or improve a line to your resume. The better your resume, the easier it is to get your foot in the door for more jobs.

Most jobs are made up of a mix of tasks, some of which are great for a resume and some of which are not. If you’d like to eventually make your exit from your current job situation, you should make an extra effort on the tasks that are resume-worthy and, in particular, seek out tasks that are resume builders.

At many jobs, you’ll have situations where a supervisor is simply looking for someone to step up to the plate for a new challenge. Who wants to do this presentation? Who wants to take the lead on this project? Who wants to go to the remote location?

Most of the time, people don’t raise their hands for such tasks. They sound daunting, at the very least, and there is at least some risk of failure involved. Who wants that?

The thing is, opportunities like these are career builders. They raise your reputation in your current workplace and also boost your resume. They’re going to put you in line for a promotion, whether at your current workplace or at another one. Tasks like these build new skills – public speaking, people managing, information organizing – and they’re often the kinds of things that employees work for.

Not only that, tasks like these are great at breaking up the day-in-day-out drudgery at work. It’s a new challenge, something different than what you’re usually doing. The antidote to drudgery is something new.

If you have opportunities at work to take on these kinds of challenges, jump on board. Volunteer for the new task, even if it seems difficult. At the very least, it’ll make your day different.

If you don’t have these kinds of opportunities, talk to your supervisor about new challenges and look for ones that will help you build a resume. Think about what skills and projects make you look attractive to other employers and specifically request those kinds of projects.

Strategy #4 – Talk to Your Supervisor

The feeling of “burnout” at work is often the result of a good employee feeling overwhelmed with their situation at work. “Burnout” is something that builds up over a long period of feeling overwhelmed, and that sense of feeling overwhelmed has, at its core, someone who actually cares (or did care) deeply about their job.

Any decent supervisor will recognize this. There is a lot less risk in finding a way to reduce a good employee’s work load or stress level a little or alter their environment a bit in order to retain them rather than have to go through the hiring process for a new employee who has a significant likelihood of being far worse.

That’s why, even though it seems risky, it makes senese to talk to your supervisor about your sense of feeling “burnt out” at work.

The best approach is to simply say directly to your supervisor (or to a higher-level person if the supervisor is part of the problem) that there are aspects of your job that, over the long term, are hampering your work performance. Before you go in there, spend some time thinking about what specifically is causing the problem. Is it an overload of work? Is it too much work outside of your skill set or interests? Is it a particular coworker or other personality conflict? Whatever the challenge is, think about it and know how to articulate it before you meet with your supervisor.

Of course, there is always some minor risk involved with this kind of conversation, but that risk is often vastly escalated in the minds of workers, especially if they don’t have a long history of complaints. A long-time employee who has been involved in many projects and received good workplace reviews is likely going to get serious attention from their supervisor and a genuine effort to improve the identified problems, because it’s far better to retain you than to seek out someone else.

Trust me – the vast majority of the time, your supervisor will help. They’ll look at the resources available to them and try to find a way to make things work out for both of you – you’ll be happy at work and your supervisor will gain a happier employee. You both win.

Strategy #5 – Walk Away from the Tasks That Make You Miserable and Focus on Excelling at the Rest

In a given workday, your hours are going to be filled with a mix of tasks. Usually, some tasks are much more fulfilling and interesting than others. You can probably think through your workday and recognize which tasks are more pleasant to you than others.

Every single job I have ever had has a mix of tasks that are better than others. I once spent a summer working at a job where I spent eight hours in a windowless room shoveling and sifting dirt. This isn’t a joke. Even at that job, there were tasks I relatively liked – the actual sifting – and tasks I didn’t – dealing with the rock pile.

Now, it needs to be said that there is great value in sometimes taking on the tasks that no one else wants to do. No one wants to clean the bathroom. No one wants to spend all day collating. Stepping up to the plate and doing those tasks sometimes is incredibly valuable and will be recognized, whether you see it or not. These kinds of tasks should be at least a small part of your day.

Having said that, your entire work life shouldn’t be tied up in tasks that you loathe. If you do that, you’re destined for burnout.

There are a few approaches for how to minimize the time spent on tasks you hate and maximize the time spent on other tasks.

One, think about how you’re doing those hated tasks and look for ways to reduce the time. After a week or two of “dealing with the rock pile” in the way that my supervisor requested, I discovered an unused cart in another part of the building that I got permission to use. Instead of hauling up small batches of rocks over and over, I simply loaded up the cart and took the freight elevator. It cut off about 80% of the time spent on the rock task, which increased the time I actually spent on sifting (which was fun in its own way) – and it also made me suddenly look insanely productive to my boss.

Two, simply choose to skip over some of the less essential unliked tasks. Just make sure you’re actually doing other things with that time. If your boss questions it, point out the other stuff that you’re doing instead. The worst that will happen is a discussion about priorities.

Three, do all of the terrible tasks first. Do them right off the bat – if possible – and you’ll find yourself with a healthy part of your workday left and none of the terrible tasks in front of you. Sure, some of them can’t be controlled like that, but some can.

These strategies – along with talking to your supervisor – can minimize the impact of bad tasks on your day.

Strategy #6 – Find Healthy and Positive Professional Support

Some people have no professional support at all. They don’t know other people that share their career challenges outside of the workplace. Thus, when there are challenges, they can’t discuss them in a more casual way with an understanding friend.

Others have professional support, but it’s negative support. Professional support that consists of various people complaining about their job and everyone else just agreeing about how horrible it is isn’t a positive professional support group. It’s negative. It just reinforces how horrible your job is without any support for improving your situation.

On the other hand, a positive professional friend or professional group shares stories both about successes and challenges and, rather than agreeing with how bad things are, tries to look for the positives or how to improve one’s situation. Those kinds of relationships are valuable.

In my “office work” years, I spent a lot of time with what I thought was a positive support group, but they were actually pretty negative. Looking back, much of the conversation was about how horrible everyone’s jobs were, and it just reinforced the idea for everyone that our jobs were difficult and terrible. We didn’t share ideas or tactics for making things easier, either.

Take the time to seek out new professional groups and professional relationships. Use social media, particularly Meetup and LinkedIn and Twitter, to seek out positive people and positive groups related to your career. Get engaged with those people and groups. You’ll end up feeling more positive about your own career.

Strategy #7 – Focus on the Moment

If all else fails, I find this is the best strategy to fall back on. Just focus on the moment.

If you’re doing a task that you hate and you’re just grumbling in your mind about how much you dislike it, back off of those negative thoughts for a minute. Make a conscious effort to clear your mind.

Then, just focus on the task you’re doing. Focus on every action and movement you’re taking and how you can do this task right. Don’t think about how miserable it is or anything like that. Just focus on nailing the next step, then the next step after that, and so on.

So often, I’ll just get lost in the moment when I take this approach. Even with a task that I hate, I’ll get sucked into getting the little thing I’m working on right, and then getting the next bit right, and so on until suddenly the task is done. And it feels good.

Just focus on the moment and the task will pass right through you.

Final Thoughts

So, what’s the reward for all of this?

The reward is a job that you don’t hate – or at least don’t hate as much.

The reward is a resume that will line you up for a new job or a new promotion.

The reward is no longer having to walk a professional tightrope, as you no longer feel as though your life and job are completely tied together.

The reward is a happier life and the opportunity to earn far more than before.

Are you ready to turn things around? Good luck.

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How to Get a Free $5 Gift Card at Target Before March 19

Image: Target

Target is offering a great deal on something you’re going to buy anyway.

Through this Saturday, March 19, shop online through Target.com, and receive a $5 gift card when you buy two household essential items.

Eligible items are marked on the website and include things like toilet paper, garbage bags, paper towels and cleaning supplies from these brands:

  • Viva
  • Scott
  • Cottonelle
  • Snuggle
  • All
  • Finish
  • Glad

Many of the items are already on sale at Target, and they’re eligible for an additional 10% off when you pick up your order in-store.

Stack Target’s deal with rewards from a cash-back website for an even better deal.

For example, according to Cashbackholic, RebateCodes.com is offering 5% cash back for Target. Plus, get a $5 bonus if it’s your first time using the portal.

Let’s look at Scott Extra Soft Toilet Paper 24-packs:

  • Two packages would normally cost you $22.58
  • With the sale, two packages are down to $19.98
  • Take off 10% for Order Pickup, and it’s $18
  • Get your free $5 Target gift card, and your cost is down to $13

With 5% + $5 cash back at RebateCodes.com, you can stock up on toilet paper for the household for The Penny Hoarder price of $7.10.

So grab your shopping list! That’s a pretty sweet deal on something you know you’ll buy anyway.

Your Turn: Do you buy your household essentials at Target? What tricks do you use to save money?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more.

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Get Free Rita’s Italian Ice Just for Showing Up on This Day…

free food

For some, it’s the most hopeful day of the year: The first day of spring.

For others, the coming of spring means something a little sweeter: Free Italian ice!

Each year, Rita’s Italian Ice celebrates the coming of spring with free water ice. This commemoration — March 20, 2016 — is the 24th year the chain will reward spring fever with free treats.

Since many Rita’s locations are just roadside stands, the occasion can create big crowds — who are often still bundled up in winter attire.

How to Get Free Rita’s Italian Ice

This freebie is no joke.

The company says it gives out more free servings on the first day of spring than the populations of Vermont and Wyoming combined — that’s well over a million.

To get in on the fun, all you have to do is show up at your local Rita’s and choose from the available flavors (they change every day!). You’ll receive a free regular-size cup of Italian ice, no questions asked.

The best part?

The first day of spring falls on a Sunday, so you won’t have to figure out how to sneak out of work without your boss realizing you’re spending 45 minutes in line for free Italian ice.

Lisa Rowan is a writer, editor, and podcaster based in Washington, D.C. She grew up just down the road from the original Rita’s location.

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Eight Things to Pack for a Frugal Vacation

While the price of a spring break or summer getaway can vary drastically based on where you go and what you do, most parents are keenly aware that spring travel — especially during a school vacation week — isn’t usually cheap.

According to travel site FareCompare.com, certain days of the week – most notably, weekends – command much higher prices for airfare than others. If you plan to fly Saturday-to-Saturday, for example, start mentally preparing yourself to pay quite a bit more. Plus, nonstop flights and flights to certain high-demand destinations will cost more in 2016. So, if you want to go where all the “cool kids” are going, you might pay considerably more as well.

Not flying? If that’s the case, your travel budget will mostly depend on the destination of your choosing, what type of hotel or lodging you go for, and the type of activities or excursions you decide to splurge on.

Depending on your travel goals and how deeply you dig to find discounts, the final price tag on your trip could add up to something very manageable — or quite a lot.

Eight Items to Pack for a Frugal Vacation

Still, the amount of money you’ll spend along the way can be whittled down if you know what to pack. Whether you’re flying or driving, staying in a condo or hotel, or simply visiting family for a weekend, filling your bag with some key items will help you save money on any trip you take – no matter what.

Before you leave town, here are some items you should plan to bring along:

Snacks

Whether you’re driving or flying, you’ll want snacks to consume along the way. And if you have kids, snacks are an absolute must if you want to avoid picking up pricey processed junk food at the airport or stopping at gas stations or convenience stores. Most of the time, both will be stocked with mostly expensive and often unhealthy foods. By planning ahead, on the other hand, you get to decide what your kids will eat.

While you can’t bring liquids from home on an airplane, you can fill up a reusable water bottle once you’re beyond airport security, and you can pack your own snacks in your carry-on bag or purse.

When it comes to my family (and many families I’ve seen), most lean towards snacks that aren’t messy and travel well – things like granola bars, Ziploc bags with a favorite cereal, graham crackers, mixed nuts, and dried fruit.

Sunscreen and bug spray

Traveling to a tourist area can mean shelling out big bucks for “extras” like sunblock and insect repellent. In many destinations in the Caribbean, you’ll often see sunscreen for $35 or more for a standard-sized container! It kinda makes you want to let yourself burn, or just stay inside instead.

Fortunately, both sunscreen and bug spray are easy to bring along if you drive, and easy enough if you fly. If you’re driving to your spring break destination, you can easily pack anything you want – and as much as you want. If you’re flying, plan on packing your sunscreen and bug spray in your checked luggage, particularly if it’s in an aerosol can. If you want to bring sunblock or bug spray in your carry-on bag, they must be in containers that are three ounces or less.

pack sunscreen

Don’t get stuck paying $20 or more for a small tube of sunblock – pack your own. Photo: Peter Dutton

Cheap games and activities

They say that idle hands are the devil’s workshop, but on spring break, idle hands can cost you money! When there’s nothing to do, we tend to fill our time with shopping or activities that cost cash. The best thing you can do to avoid spending lots of money on activities is to bring some with you.

For most typical spring break getaways, that could mean bringing a football to throw around, packing some board games to play with the kids, or bringing some beach and pool gear, from blow-up rafts to water toys.

Taking a few decks of cards along is almost always a smart idea when you have a week or longer to kill. After all, who doesn’t like a game of Crazy 8’s?

Books and magazines

If reading and vacation go hand-in-hand in your world, you’ll want to bring your supplies with you. Magazines and books are drastically marked up in airports and gas stations, but you can pick up some cheap stuff at home and bring it with you – or even buy a few books on Amazon and have them shipped to your hotel.

Better yet, dig through your book collection and bring along something you already own but haven’t gotten around to reading yet. Or hit your local library for enough free reading materials to keep you busy for a week or more.

Either way, reading and doing Sudoku or crossword puzzles while on vacation can be a cheap and relaxing way to stay busy during your trip. Plus, they can give you something to do while you’re actually traveling – whether you’re getting to your destination on a plane or in a stuffy car all day.

Activity coupons, and a plan

Whenever my family goes somewhere on vacation, we normally look for coupons or discounts several weeks beforehand. Top sites to check out include TravelZoo and Groupon, which both sometimes offer discounted prices on attractions and parks we may want to visit anyway.

You can generally save some money by picking up a discount ticket early instead of paying at the gate. Just remember, if you go with a deal you find on a site like Groupon, Living Social, or TravelZoo, you should always read the fine print! Make sure there are no exclusions or rules that would make it difficult for you to use the discount during your trip.

A cooler

A rolling cooler is the perfect tool to bring along for a frugal spring break. In the car, you can pack enough snacks, drinks, and meals for the duration of your drive. If you fly, simply check your cooler like a bag, filling it with clothes, shoes, or whatever else fits.

Once you arrive at your destination, you can use your cooler to bring snacks and drinks along wherever you go. At the beach, a cooler stuffed full of ice, snacks, and drinks is an absolute no-brainer. But even at pricey Disney World, you can save a bundle on food by carting around your own cooler inside the park.

If dragging around a big box of ice sounds miserable to you, or you’re staying at a nicer resort where a cooler by the pool might be frowned upon, you can bring an easier-to-carry (and more discreet) backpack cooler. My husband and I just did that at the pricey JW Marriott Resort & Spa in Cancun over winter break, and it worked well. We paid for our trip with points, and didn’t want to fork over $10 apiece for drinks!

A Bubba mug

Speaking of drinks, failing to plan ahead can cost you big time. Whether you’re drinking water, soda, or your favorite cocktail, you’ll want a way to keep it cold – and deter yourself from bellying up to the bar to buy more.

That’s why you’ll see many people on vacation carrying around giant Bubba mugs. This type of mug can keep your drink cold for hours on end, and has a lid so you can bring it with you wherever you go. Even if you’re just trying to stay hydrated, a full Bubba mug can keep you from buying pricey bottled water all day long.

A meal plan (and your own silverware)

Whether you’re staying in a hotel or vacation rental, you should be able to make and consume some meals in your room. This might be something as simple as peanut butter and jelly with veggies for lunch, a banana and yogurt for breakfast, or a simple sandwich you make yourself out of cold cuts.

Having a refrigerator in your room helps if you want to stock up on some simple groceries, but your cooler can also work in this respect. Just remember to bring your own silverware along (disposable or otherwise) if you plan to make sandwiches! After eating many, many meals in a hotel room with my family, I can tell you that finding a disposable plate is usually a piece of cake – but finding silverware to eat with can be nearly impossible!

The Bottom Line

Our spring break is coming up, but we still have time to figure out a few ways to save some money along the way. For my family, that means brainstorming things we’ve been forced to buy on vacation in the past, and bringing them with us instead.

Anything you can bring along for free is something you won’t have to buy when you arrive. And if you plan and prepare thoughtfully, the savings can be mean the difference between getting home with money still in your wallet – or going home broke.

What do you have planned for spring break this year? Are there any particular items you bring along to save money?

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The post Eight Things to Pack for a Frugal Vacation appeared first on The Simple Dollar.



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I Only Spend $50 per Month on Meat for my Family of 6. Here’s How

how to save money on groceries

For years, my parents spent an average of $50 per week on meat at the grocery store to feed our family of six.

Unfortunately, my dad was in an accident that required multiple surgeries and physical therapy.

Once our family began living on a fixed income, home-cooked meals with meat only happened once a week or on special occasions.

As I got older, I discovered we actually can afford to feed our large family meat on a regular basis.

Rather than spending $50 per week at the grocery store, I found ways to feed our family meat on only $50 per month. We actually get more meat now than we ever did when my father was working!

Before I start my own family, I‘m prepared to start things off right and save thousands of dollars on meat the rest of my life.

You can, too. Here’s my secret to spending so little on meat:

Buy from Meat Wholesalers

Wholesale meat suppliers often sell to restaurants and grocery stores, but anyone can walk in off the street and buy meat in bulk.

Check your zip code in the Wholesale Meat Supplier Directory.

By shopping at our local wholesaler, we get three months’ worth of beef, pork, chicken and fish for only $50, and it all fits in our standard-sized freezer.

This covers most meals each week, and dramatically cuts down our grocery-store meat purchases.

Prices may vary, depending on your local market. But you’re always guaranteed to pay less at a wholesaler than you would at the supermarket.

Keep in mind wholesalers’ hours are usually different than the typical supermarket. Many are open from about 7 a.m. to 3 p.m.

Pro tip: Bring a jacket! These places are often just one giant freezer full of meat.

Don’t have a meat wholesaler near you? Here are five other ways to save:

1. Shop at Local Farms

Many local farms and ranches are willing to sell you an entire cow or pig, and you can easily buy turkeys and chickens for a low cost.

Kitchen Stewardship has an in-depth guide on how to buy an entire cow.

Once you pick your cow, work with the butcher to specify how many pounds you want in each style of meat — ground, steaks, ribs, etc.

When all’s said and done, you’ll leave with over 200 pounds of beef, which could easily last more than a year.

Sure, the up-front cost is higher, but you can save hundreds of dollars on meat each year. Plus, this is much higher quality meat than you’d find in a grocery store. In many cases, it’ll also be organic.

This option isn’t for everyone, especially if you live in an apartment. But it’s perfect if you live in the suburbs with a large family, a second freezer and plenty of space.

2. Look for Coupons and Sales

Pay attention to your grocery store’s sales flyers.

If meat goes on sale significantly cheaper than it normally sells for, it’d be smart to stock up.

Meat coupons are rare, but you can find them on company websites and in the Sunday paper. Sometimes, they’ll be right on the meat packages.

Check out our couponing resources to get started.

3. Shop at Ethnic Grocery Stores

Many ethnic markets offer meat and other ingredients you’d expect to pay a fortune for in other places, but for way less.

As an amateur chef and major foodie, I shop at Asian groceries for rare ingredients for my dishes.

Chains like H-Mart carry everything you typically see in any grocery store, but they also carry snacks, meats and produce seen exclusively in Asian cuisines.

With all of the affordable meat options, try cooking outside your comfort zone.

4. Compare Average Grocery-Store Prices

Grab a notebook and visit each of your local grocery stores.

Write down your favorite meats’ average price-per-pound. Ask employees how often they run meat sales and what price you can expect at any given time.

Compare your findings to pick the cheapest grocery in your area. Calculate how much gas money you’d have to spend to get there to decide whether a sale is worth it.

In my area, the cheapest place to buy meat is Aldi, but it’s 10-15 minutes away from where I live. I always use Aldi as the baseline price to decide whether or not a sale at another store is worth it.  

5. Cut Down On Meat-Per-Meal

When my mother cooks, she uses a huge amount of meat.

She has this mindset that the family needs as much meat as possible to be full and satisfied.

When I cook, I use a fraction of her amount of meat. For example, if I’m cooking chili, I’ll only use a quarter of a pound of beef instead of the entire pound.

The rest goes in the freezer, and I can use it for at least two more meals.

To make the meal filling, I increase the amount of beans, vegetables and other ingredients, and it tastes exactly the same.

Your Turn: Will you use these ideas to save money on meat?

Shannon Quinn is a writer and entrepreneur living in the Greater Philadelphia area. She spends a great deal of her time discovering creative ways to save money so that she can live comfortably on a small budget.

The post I Only Spend $50 per Month on Meat for my Family of 6. Here’s How appeared first on The Penny Hoarder.



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5 Ways To Fund Your Business Without a Credit Check

By Jan Pinnington Recently I ran into a little financial challenge with my business. It’s one of those exhausting hurdles that’s never fun but hopefully someday, when looking back, will be just another funny story of “remember when … ?” In my case, I needed to raise an enormous amount of money (six-figures huge) to […]

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