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الخميس، 9 يونيو 2016

Airbnb is Giving Away a FREE Trip to Australia’s Great Barrier Reef

Oh, man.

Don’t tell my boss, but I’m pretty sure I’m only working a half day today.

I’ve got something way more important to write about than free pizza.

That’s because an amazing contest is going on right now, and one lucky winner will get to stay on Australia’s Great Barrier Reef for a night — totally free.

And I do mean on the reef: If you win the trip, your accommodation will actually float.

Win a Free Trip to the Great Barrier Reef

Airbnb is offering this once-in-a-lifetime trip to a lucky family of four, just in time for the release of Pixar’s much-anticipated “Finding Dory,” which takes place on the Great Barrier Reef.

If you win, you’ll be sleeping right above Dory herself in a beautiful floating apartment for one unforgettable night (July 13).

You’ll also get to scuba dive the famous reef with a marine biologist and your host, Pascal, as well as nosh on a private beach lunch, featuring local ingredients cooked by celebrity chef Neil Perry.

Even better? All your transportation is free: You’ll fly into and out of Cairns, Australia, where you’ll stay in another Airbnb accommodation on the evenings of July 12 and 14.

The prize is valued at about $30,000 — to say nothing of the value of the experience.

The Great Barrier Reef is home to a baffling number of species of fish, whales, sharks, coral and molluscs, and considered one of the seven natural wonders of the world!

Just make sure you follow the house rules, which stipulate you must “speak like a whale,” “protect the anemones” and “try to find the giant clam.”

Oh, and “no clownfish jokes.” Obviously.

How to Enter This Incredible Contest

Already reaching for your suitcase and swim goggles?

Here’s the fun part: It’s an essay contest. And it’s incredibly simple to enter.

Just log into AirBnB, navigate to the listing, click “Enter to Win” and answer the following question: “Tell us a little about yourself and why you and 3 guests belong on the Great Barrier Reef.”

Seems like it’d be hard not to write about, am I right? Talk about daydreaming.

But keep your wits about you — the winner will be chosen based on this essay. The listing specifies the following criteria for a winning piece:

  • Originality and creativity of the submitted story. Does it surprise and delight us?
  • Spirit of the submission. How does your submission answer the question about why you and 3 guests belong on the Great Barrier Reef?

Plus, you only have 500 characters to make your case — or 300 if you’re writing in Chinese, Japanese or Korean. And despite our high school complaints about word counts, brevity is way harder than it seems.

So, yeah, that’s probably what I’m working on today. Sorry, team!

A panel of judges will choose the winner on July 4, who will be notified via phone and email within 24 hours. If you’re chosen, be sure to pick up the phone: Winners forfeit the prize if they don’t respond within 24 hours of notification.

You also need to be 21 years old to enter.

Keep in mind the prize doesn’t include visa fees, meals (other than the one included in the prize) or any other expenses. Check out the listing for the full rules — and, of course, to submit your essay. Or just to drool over the pictures of the apartment.

The contest runs June 9-30, so you have plenty of time to craft a perfect pitch. So if you want to compete with me, get cracking. But be warned — I am a professional. :)

Your Turn: Will you enter to win this insane Airbnb trip?

Jamie Cattanach is a staff writer at The Penny Hoarder. Her writing has also been featured at DMQ Review, Hinchas de Poesia and elsewhere. Feel free to reach out to her on Twitter: @jamiecattanach

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How I Wear Killer Designer Dresses to Weddings (Without Spending a Fortune)

Love is in the air!

And as a hopeless romantic, I couldn’t be happier about it.

But, with six weddings to attend this summer, my bank account is not quite as stoked.

As much as I hate spending money on clothes I’ll only wear once, I really love showing up to such joyous (and well-photographed) events in a killer new dress.

Which is why I’m absolutely obsessed with Rent the Runway, a site that lets you rent designer dresses at a fraction of their cost. (Think: a $725 dress for $40.)

Though I think membership is valuable year-round, it’s especially wonderful during wedding season.

Here’s what you need to know…

Say Hi to Rent the Runway, My Secret Weapon

That's me, in the red!

That’s me, in the red!

On Rent the Runway (RTR), you can rent thousands of dresses from more than 300 well-known designers.

Here are four reasons it’s become my go-to for formalwear:

1. You Can Quickly Filter Results

RTR’s powerful search function allows you to only browse dresses you can afford.

I usually set the max price to $40 (for a four-day rental) and still get plenty of results.

You can further filter your results with 11 different categories, including formality, occasion, length, body type and other factors.

Since you can fine-tune your search until only a limited number of dresses appear, it’s perfect for people like me who hate both shopping and making decisions.

2. The Reviews are Super Helpful

You can sort reviews and photos by body size, so you can see the dresses on people who actually look like you — not some 5-foot-10, only-eats-liquids model.

And just in case you get your size wrong, RTR sends a free backup size with each order.

susan3

3. Shipping and Insurance are Easy

Shipping for a rented dress costs $9.95 both ways, plus $5 for insurance for stains and tears.

Or, if you’re a PRO member like me — which costs $29.95 per year — shipping and insurance are included.

With PRO membership, you also get a $50 rental credit during your birthday month.

4. It Offers a “Love Your Look Promise”

In my two years using the site, I’ve experienced nothing but amazing customer service.

RTR reps are quick and eager to help. For example, if you don’t like your dress, they overnight you another style (or several) at no extra cost.

Though renting a dress for $40 may sound expensive when compared to buying something off the sale rack for $20, remember: These are designer dresses.

Most of the dresses I’ve rented are worth $300 to $600 or more — and look like it.

The fit, quality, the way they make me feel; to me, it’s absolutely been worth it.

Want to learn more? Click here and use code FIRSTRTR20P to get 20% off your first order!

Your Turn: Have you ever used Rent the Runway?

Disclosure: Some of the links in this post are affiliate links. We would have shared them with you anyway, but a true “penny hoarder” would be a fool not to take the company’s money. :)

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.

The post How I Wear Killer Designer Dresses to Weddings (Without Spending a Fortune) appeared first on The Penny Hoarder.



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Shoppers in London can now order fresh food from Amazon

Shoppers in 69 Central and East London postcodes can now order their grocery shopping from Amazon, as the e-tailer has launched ‘AmazonFresh’.

Shoppers in 69 Central and East London postcodes can now order their grocery shopping from Amazon, as the e-tailer has launched ‘AmazonFresh’.

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Head to Sam’s Club This Saturday for a Free Health Screening

Want to save money on health care for your family?

Sam’s Club is offering free health screenings on Saturday, June 11 — no membership required!

A health screening is a series of tests to check your overall health and catch potential diseases or conditions early, before you show symptoms.

While the Sam’s Club screening doesn’t replace professional medical care or treatment, it can help you catch signs of bad health while they’re easier — and cheaper — to treat.

How to Get a Free Health Screening

Go to your local Sam’s Club with a pharmacy this Saturday between 11 a.m. and 4 p.m. to receive the following tests for free:

  • Glucose
  • Total cholesterol
  • HDL (“good cholesterol”)
  • Risk ratio
  • Blood pressure
  • Body fat percentage
  • Hearing
  • Vision screening/testing may also be available at clubs with an optical center.

Screening types and quantities may vary by location, so check with your local Sam’s Club to see what’s available before heading in.

Sam’s Club offers these screenings periodically throughout the year, so if you don’t make it out on Saturday, watch the website for future offers.

If your screening reveals a condition you need to treat, read our posts on ways to save money on dental care, eyeglasses and medical bills.

Want more ways to get the most out of Sam’s Club or Costco? Read our list of 10 things that are way cheaper with a membership.

Your Turn: What tricks have you found for saving money on preventative health care?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, “Writer’s Digest” and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

The post Head to Sam’s Club This Saturday for a Free Health Screening appeared first on The Penny Hoarder.



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Twelve Things to Do When You’re Feeling Awful

Some days, I wake up and I absolutely don’t feel like working or doing much of anything. I feel like curling up in a ball and staying in bed for a while longer, or maybe even all day.

It doesn’t happen real often, but when it does, it can hit me like a sledgehammer. I wake up feeling terrible.

There are a lot of reasons for that feeling, of course. Maybe I have a minor cold or a gastrointestinal issue. Maybe I got a terrible night of sleep. Maybe, for some reason, my brain chemistry is a little off and I’m feeling melancholic. Maybe I’m just unhappy with some elements of my life right now.

My reaction to all of those things is to hide in bed all day, napping and perhaps reading a magazine. That’s fine, of course, but then there’s a counterreaction.

I’m a productive person, and like other productive people, this kind of downtime is incredibly frustrating. I don’t like feeling awful, but I really don’t like sitting around trying to feel better, either. It’s really a double-edged sword.

Thus, I have a strong personal interest in figuring out ways to not feel awful so that I can get back to being at least somewhat close to my normal productive self. I’ve tried all kinds of things over the years, from buying supplements to “rewarding” myself in some fashion. Some things work. Some don’t. This article contains twelve things that consistently work for me.

The most important thing of all regarding feeling awful is this: it’s normal to not feel so great sometimes, but if that feeling persists over several days, you should see a doctor. These strategies are good for fighting off melancholy, minor illnesses, poor rest, and other such things that can be fixed relatively easily.

Why Does This Matter in Terms of Personal Finance?

So, why am I writing about this on a personal finance website? The big reason is that I consider personal well-being to be a key part of financial success. Here are several major reasons for that.

You’re less productive, which over time damages your income. If you’re not feeling well, for whatever reason, you’re going to be less productive than if you’re feeling good. You’re going to be less focused on your work and somewhat less motivated to complete the task you’re working on. Over time, that means a decline in productivity at your job, which means that you’re less likely to receive raises and more likely to see a pink slip if downsizing occurs.

You’re more apt to make bad money decisions when you don’t feel well. If you’re not feeling well, it actually becomes easier to talk yourself into things that you think will make you feel happier and better in the short term. Impulse buys seem more appealing, as does junk food and other things that might bring you a burst of pleasure in the short term but don’t really help over the longer term.

You tend to be in a worse mood when you don’t feel well, which clouds your interactions with others. If you’re not feeling well, you’re likely to have less positive interactions with the people around you which, over time, can degrade those relationships. This can be financially damaging in a professional relationship but can also have a subtle negative effect on personal relationships, too.

To put it in simplest terms, feeling awful not only doesn’t feel good, but it can actually cost you money.

Key Principles

My solutions for this conundrum revolve around a handful of key principles.

It shouldn’t cost much money. The best solution for not feeling well, whether it’s an ailment or a bad mood or something else, is that it shouldn’t cost much money (unless it turns out to be a medical issue). Throwing money at lifting your mood or your physical sense of well being – at least at first – is a fool’s game that won’t help things over the long run.

It should feel accessible, no matter how awful I feel. My strategies for feeling better don’t involve things that are difficult to do at a given moment. You shouldn’t have to reroute major aspects of your life to lift your mood or your immediate physical sense of well being.

Most tactics should be able to be accomplished anywhere. I’m basically able to do all of these things while at home. I was able to do most of these things when I worked in an office environment, too. I can do most of these things when I’m traveling or on vacation or even while waiting for an appointment.

Let’s get on with the strategies, shall we?

Twelve Things I Do When I Feel Awful

These strategies work consistently for me no matter whether my sense of feeling awful is due to a physical ailment or a sense of melancholy. They’re also directly in line with the principles above. I hope they help you with your moments of feeling awful, too.

I take a shower and brush my teeth. The simple process of getting my body clean seems to consistently put me in a better mood and a better frame of mind.

For me personally, a long shower in which I really scrub my body all over tends to work the best. I try to give every square inch of my body a scrubbing so that my skin all over gets that “tingly” feeling that you get after a good scrubbing.

Similarly, I find that brushing my teeth for a long while – three to five minutes – has a stronger effect on my sense of happiness and well-being than a very brief brushing. In fact, I often set a timer for this or else listen to a song that has an appropriate length.

I change clothes. This usually goes hand in hand with taking a shower, of course, but sometimes this works separately as a smaller step if I’m really feeling in the doldrums or if there is something else preventing a shower in the moment (such as a pressing deadline).

The mere process of getting up and putting on fresh clothes can often trigger a sense in my head that I need to start doing something different today, that simply lounging in bed and feeling bad is not cutting it.

Fresh clothes also tend to smell different – and usually far better – than the clothes I likely slept in the night before. Putting them on shifts my mindset by altering the smells of the environment I’m in, usually in a very good way.

I eat a healthy meal – usually raw fruits and vegetables. I’ll be the last person to dictate exactly what “healthy” means for each and every person, but I find that for me personally, a meal that consists almost entirely of fruits and vegetables tends to leave me feeling better and happier than before.

I personally enjoy eating an apple or a banana and a bowl full of baby carrots when I’m not feeling the best. It’s very simple food that doesn’t feel like lead in my stomach and usually provides some steady energy for a while after eating it.

I go outside for a while. There are a lot of health benefits to being exposed to the sun in moderation, most notably the effect on serotonin production in the brain and the vitamin D production that occurs when your skin is exposed to sunlight. Both of those things can make you feel better.

For me, it’s more than just those straightforward biochemical things. Being outside means being exposed to fresh air and new smells. It means having the freedom to move and explore in pretty much any direction I so choose. It means that my body is moving around much more than it would inside the house.

Going outside provides all of those things at once. Spending some time outside doing something – anything – provides all of those things in abundance.

I get some mild exercise that involves a little bit of stretching. Mild exercise elevates your heart rate and produces more biochemical reactions in your body than you could possibly count. The net effect of those reactions is a sense of well being, a sense that you’re using your body in a positive and productive manner. And that usually feels good.

Personally, I find that stretching my body goes a long way towards producing many of the positive feelings and effects of exercise. I use a healthy stretching routine before I do much of anything physical, including at the start of the day.

Beware, however, that overdoing it can have a negative impact on how you feel. There’s no reason to go out there and kill yourself. While there is a role for intense exercise, it is generally most beneficial in terms of producing long term positive results and it often doesn’t really help in terms of improving one’s mood or state of mind or physical sense of well-being in the short term.

I find that I get a great deal of personal enjoyment out of combining outdoors time with mild exercise by going to a nearby state park and wandering around on the trails. Walking along wonderful nature trails, enjoying mild uphill and downhill trail walking, and simply enjoying the natural world and the sense of my body at mild work is a powerful tool for lifting my mood and sense of well being.

I learn something new. The simple process of seeking out information on a subject that I’m curious about and then stretching my mind to incorporate that new knowledge into my understanding of the world surprisingly does quite a lot to raise my mood. I walk away feeling this mix of mental refreshment as well as a sense of understanding the world better.

I often keep a list of topics that I’d like to find out more about and when I have a chance, I go through that list, looking up the Wikipedia entry on that topic as a starting point and often heading off to the linked sources to learn more.

This simple act of exercising curiosity and improving my understanding of the world makes me simply feel better about myself and the world around me.

I think about the one fun thing I’ve been wanting to do and then I devote an hour or two to just that thing. Usually, there are a handful of enjoyable things that I’ve been thinking of doing lately. Maybe I’ve been thinking about spending time reading a well-loved book. Maybe I’ve wanted to get out the pieces of a board game and learn how to play it. Whatever it is, I set aside some time – usually a couple of hours – and let myself do it, without worry.

Sometimes, I do have something else that I really need to do that’s hanging over my head. In that case, I might not necessarily choose this option first; instead, I’ll simply throw myself at that important task. However, there are times when I’m simply not making progress on that important task, so dialing back for a couple of hours can really make a positive difference for me and for the task I’m working on.

If I’m not under that kind of pressure and I’m just feeling out of sorts, simply doing something that I personally enjoy goes a long way towards improving my overall sense of well being.

I think of the one task that’s been bothering me the most and then I simply do it, no excuses. Often, there’s something that I need to take care of that’s hanging over my head. That stress tends to drag me down, reducing my mood and making me feel even worse.

The best approach to that problem that I’ve found is to simply tackle it head on. I sit down and simply take care of as much of the problem as I possibly can.

If it’s a personal problem, I don’t “deal with it” by spreading rumors or backstabbing people. I handle it directly with that person or else I try to figure out a way to make it a non-issue.

If it’s a project that needs to be completed, I take care of it myself or at least do as much as I possibly can so that the input from others can easily be fitted into place to finish off the project.

Often, it’s just a matter of sitting down and taking care of a straightforward task. Just doing it can relieve some real negative feelings and stress.

Whatever it is, I usually feel far better once I’ve invested the time and energy to actually tackle a problem instead of worrying about it.

I sing along with a song that I know the words to. Music has always had the incredible ability to take me mentally back to a particular place and time in my life. Most of the time, that past place and time is a good memory, a point in my life where I was happy with myself and with the world around me.

Often, by simply playing one of those songs that takes me back there, I feel better. I somehow mine the good feelings that come from that time and place and they bubble up to the forefront of my life right now, lifting my mood and making me feel good again.

I actually have a bookmarked folder with dozens of these songs on my computer. Among them are Wake Me Up Before You Go-Go by Wham! (reminds me of my childhood babysitter), Knights of Cydonia by Muse (reminds me of a really great road trip), Birdhouse in Your Soul by They Might Be Giants (early dates with my wife), and Screen Door by Uncle Tupelo (another great road trip).

I hang out with a trusted friend, often with the understanding that I’m not in the best situation. When I’m not feeling the best, sometimes I’ll call up one of my closest friends and just suggest that we do something together, but I’ll usually preface it with the fact that I’m not in the best situation at the moment.

The thing is, most of my closest friends really don’t care. I’ve been there for them when things weren’t perfect for them, so they’re often there for me when things aren’t perfect.

We’ll usually go do something that fulfills several of the ticks on this list. We might go to the park and play disc golf (exercise, outdoors) or simply play a game together. Whatever it is, it usually lifts my mood because a good friend tends to remind you of the best moments in life.

I go on a short road trip. I don’t mean that I travel somewhere, per se. What I do mean is that I’ll drive somewhere for the sole purpose of driving somewhere.

I’ll fill up my car with gas and drive somewhere for a while, going here and there on the backroads. I’ll listen to some of that joyful music on the radio that I mentioned earlier and simply look around at the things around me. I’ll see people in towns and cities living their lives. I’ll see vast quiet stretches of cornfields. Maybe I’ll see rain or maybe I’ll see sunshine.

It really doesn’t matter what I see. What it does is reminds me that I’m not really alone in this world, that in fact there’s so much to this world that I can’t possibly see it all or know it all. I don’t feel alone any more – I feel intrinsically a part of the broader world, and that feels really good to me.

Sure, this does eat up some fuel. It’s probably the most expensive thing on the list. Sometimes, however, it really does the trick. (And by “expensive” I mean that it costs maybe $20 in gas.)

I turn off all electronic distractions and spend time with my family. This is the thing I turn to the most often, and it’s probably the most effective thing on this entire list.

If I’m ever feeling down in the dumps or just not feeling really well, rather than getting lost in my cell phone or a gadget or something else, I turn it all off. Instead, I seek out my children and my wife. I ask them what they’re doing and do my best to get involved with it.

More than anything, I try to focus on the moment of that activity. Whatever it is we’re doing, I try to make that the centerpiece of my mind.

Doing this creates this great sense of togetherness and joy that I really don’t find anywhere else in my life.

Sure, there are times when my loved ones are busy or they’re doing things that I can’t really be involved with, and for those times I have lots of other options for making myself feel better when I’m awful. However, nothing really beats turning off my phone, getting out of bed, and doing something with my family. It’s even better if I take a shower first, put on some fresh clothes, and go outside with them.

Many bad days and awful feelings have been cured by playing backyard soccer with my children or going on a walk with my wife.

Final Thoughts

Not all of these strategies will work for you, or for anyone. They’re simply strategies that I use whenever I feel awful and don’t want to get out of bed, whether that feeling is caused by a minor illness or a downbeat mood. They don’t cost money. They don’t make the problem worse, like backstabbing or negative talk can do. They aren’t reliant on drugs or weird medicines, either. They might not make everything perfect, but they definitely help.

And, yes, there are times when they don’t help. When that happens, after a few days, a visit to the doctor is in order.

Still, these things remain my first line of defense for when I don’t feel well. I hope they’ll help you out, too, before a downbeat mood or a minor illness causes you to spend some money or have a bad day at work or a bad day with a person you care about.

Good luck.

The post Twelve Things to Do When You’re Feeling Awful appeared first on The Simple Dollar.



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For the Queen's 90th birthday: Four royal tax facts

The Queen is a lucky woman. Not only does she enjoy a fortune of £272m, but she also gets two birthdays a year! And this weekend will see the climax of months of events to celebrate her 90th.

The Queen is a lucky woman. Not only does she enjoy a fortune of £272m, but she also gets two birthdays a year! And this weekend will see the climax of months of events to celebrate her 90th.

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House price dip predicted for first time in four years

House prices in the UK will see a short-term drop over the next three months, according to a survey of property professionals. It is the first time since 2012 that chartered surveyors have predicted a fall in prices.

House prices in the UK will see a short-term drop over the next three months, according to a survey of property professionals. It is the first time since 2012 that chartered surveyors have predicted a fall in prices.

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Think You’re Frugal? This Guy Slept BEHIND His Friends’ Couch to Save Money

People have submitted themselves to some pretty crazy living situations in the name of saving money.

You may have heard, for example, about the Google employee who lived in a truck in the compound parking lot to mitigate San Francisco’s sky-high rent.

Or Heidemarie Schwermer, who’s been living without money at all for 17 years. She moves from place to place, trading her services for room and board.

Many of us have our own tales of couch surfing with generous friends, even if only for a few hard days or in our travels.

But I still don’t think I’ve heard a story quite as strange as that of Matthew Haines. At 19, Haines managed to save up $14,000 in just nine months… by sleeping behind his friends’ couch.

Yeah, we wanted the details, too. Here’s what we learned.

Next Level Couch Surfing

Five years ago, Haines was an army private based in Manhattan, Kansas. After living in the oldest barracks building on the base for three months, he decided he wanted a change.

But his small salary of about $1,500 a month meant he didn’t have much to spare for his off-campus living arrangements.

So Haines made friends with some local college students and convinced them to let him move in.

There was just one problem: All the bedrooms were already taken. However, they did have a couch available — or at least a patch of dark space behind it.

Since his new roommates were college students, “they were always up late doing stuff for school,” Haines explained. Since the WiFi was best in the living room, the couch was prime real estate for studying.

So they pulled it away from the wall, draped a blanket over the top and made Haines the smallest man-cave in history.

It wasn’t the comfiest place he’d ever slept, but his hard days of training helped him get used to it quickly.

“You have a couple of sleepless nights and then you get so tired you don’t care,” he said.

According to Haines, sleeping wasn’t even the hardest part of the arrangement. That honor went to figuring out where to keep everything besides his body.

“I had like three drawers to fit everything I owned in,” he said. And they weren’t big ones. “I’m talking, like, a nightstand that we kept a lamp on.”

But despite his small quarters, he certainly couldn’t beat the price of rent: He paid just $100 per month, and his share of the utilities. Split five ways, that never came to more than $50 per month.

This story’s sounding less and less insane as we go, am I right?

How to Save Money: Don’t Spend Any

Thanks to his new digs’ minimalism, Haines was able to save more than $11,000 during his nine-month stint behind the couch.

How’d he save so much of what he made? By spending as little money as possible to cover his basic needs.

On top of the $150 he spent on his living space and keeping the electricity on, Haines’ only expenses were his $40 cell phone plan and groceries. He ate a bare-bones but healthy diet of eggs, chicken breast, oats and broccoli.

He didn’t have a car, so when he needed to go somewhere, he’d hitch a ride and pitch in for gas.

He estimates his total living expenses were about $350, but he allowed himself to spend an extra $100 each month on “going out and having fun.”

He also supplemented his income by selling plasma, earning him an extra $200 per month.

Since he was making $1,700 per month and only spending $450, he was able to sock away that extra $1,250.

After nine months, he’d amassed $11,250.

He used $6,000 of it to buy a used car, avoiding depreciation, and invested the rest into his Roth IRA, where the magic of compound interest helped him earn and save even more.

Want to Achieve Financial Independence?

First of all, we’re not necessarily recommending Haines’ strategy, although it makes a fantastic story.

He assures me he wasn’t technically squatting, as the group cleared the arrangement with their apartment complex. Haines underwent a background check and signed a sublet agreement to make sure everything was kosher.

But other folks who’ve taken on creative housing arrangements in the name of frugality have faced legal problems.

That said, Haines’ story has lots of other takeaways you can implement, without fear of recourse, right now.

And you probably should: Haines’ commitment to extreme frugality has helped him get a great head start on the path to financial independence.

Today, he owns two businesses, makes $80,000 after taxes, and will have paid off the house he shares with his wife in the next five years. He estimates he’s saving a full 50% of his current income.

Did I mention he’s only 24?

The Importance of Budgeting

Clearly, Haines was able to retain the important lessons he learned behind the couch and implement them over the course of the five years that have elapsed since then.

If you ask him about the most important thing to know about controlling your money, his answer will be familiar, but relevant as ever: It all comes down to making a budget.

When you have a budget, says Haines, “you know exactly what’s going on, where [your money’s] going, and why it’s going there.” Unless you know how you’re allocating your funds, it’ll be impossible to figure out what expenses you can cut to save cash.

Plus, a budget can “open your eyes,” as Haines says, to your bad habits: You might be shocked to find how much money you waste on tobacco, alcohol or video games.

Once you have a budget in place, you can begin to make a plan for how to save the money you need to achieve your financial goals.

Whether you’re intent on buying a home, traveling the world or leaving work with a hefty retirement fund, you can’t achieve them unless you save up the cash.

Even if amazing opportunities present themselves to you, “if you don’t save, you won’t have the money to take advantage of [them],” Haines says.

His story also highlights the fact creativity helps you save money — and especially helps you find unusual ways to earn more of it.

Haines has continued to sell plasma as often as he can, and has banked almost $8,000 on that practice alone. He says it takes him about 45 minutes twice a week, so it’s easy and helpful to others.

How Will You Save Money?

Looking for your own ways to become a money-saving rock star? You’re in the right place.

Although it’s hard to imagine saving $1,000 when you’re stuck in the paycheck-to-paycheck cycle, we have a step-by-step guide right here.

We’ve also got awesome ways to save money on groceries, one of the most negotiable line-items on your budget (psst — don’t have one yet? Get yourself situated with these 7 steps).

Follow enough of our advice, and hopefully, you’ll never have to sleep on anything weirder than a futon. Some things are just worth the money.

Your turn: Would you sleep behind a couch for nine months to save money?

Jamie Cattanach (@jamiecattanach) is a staff writer at The Penny Hoarder who probably wouldn’t give up her bed unless a lot more than $11,000 was at stake. Her creative writing has been featured in DMQ Review, Sweet: A Literary Confection and elsewhere.

The post Think You’re Frugal? This Guy Slept BEHIND His Friends’ Couch to Save Money appeared first on The Penny Hoarder.



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The Elves in the Attic: Making Old Toys New Again

My four-year-old daughter has been playing nonstop with a Little People barn for the past week. Now, if you have a young child, you know the fleeting miracle that is a completely-engaging toy. It adds hours of delight to both of your lives, but usually only lasts a few days in the wake of a birthday or other special occasion.

But this toy is old. We’ve had it since she was a baby, and she stopped playing with it well over a year ago. It was just taking up space for months. What gives?

We put it in the attic and left it there for almost a year, that’s what. Now it’s basically a brand-new toy.

In fact, at least half of our daughter’s toys are stashed up there at any given time. This is partly out of necessity – we live in an 1,150-square-foot home, and grandparents really like to buy stuff – but it’s also by design.

Every time we bring a small batch of old toys down from the attic, you’d think we just went on a shopping spree at the toy store. She’s delighted. With some of the toys, she acts like she’s reconnected with a long-lost friend; others she doesn’t even remember having. And almost all of them take on a vibrant new life, at least for a week or two.

To make room for these “new” toys, we tell her, we’ll need to stow away some others. We ask her to pick a few that she doesn’t really play with anymore, and she can always find some items she’s lost interest in — and up to the attic they go, awaiting their triumphant second act when it’s time to repeat the cycle in a few months.

If you have a young child, you know the fleeting miracle that is a completely-engaging toy.

“It’s very good to do this,” says Alice Sterling Honig, professor emirita of child psychology at Syracuse University and author of several books on parenting. “I’ve been in living rooms where there are so many toys from grandparents that the little one becomes a distractable child: no attention span, just bouncing from one toy to the other.”

Honig says learning to play with persistence and attention span is crucial to a young child’s development, and that having fewer toys out can help kids stay focused – and even force them to get a bit more creative with the toys they do have.

However, she cautions against sneaking the toys away and making them reappear — at least once a child is old enough to notice — and therefore cultivating a sense that mom and dad are capable of sorcery. “She might think there’s magic, and that’s not such a good thing,” Honig says. “You can’t send cancer away or send ISIS away with magic.”

Instead, Honig recommends involving your child in the process. “Throw the ball in your child’s court and give her the power to choose. What we can store up in the attic, and what should we bring to the poor kids? Is this puzzle maybe a little too babyish for you now and some other child could use it?”

I’ll confess that at one point the attic was shrouded in a bit of mystery for our daughter. She wasn’t allowed up there — it’s not particularly safe — and probably thought it was a mystical outpost of Santa’s Workshop, a satellite secondhand toy factory. But now she knows the real drill, and from time to time she’ll even request an old toy out of the blue, knowing it’s up there. When we ask her to swap it with something she’s not using anymore, it’s a bargain she’s more than willing to make.

At some point, though, our daughter may resist the idea of surrendering any of her toys, Honig says, even ones she doesn’t use. When that happens, it’s important to acknowledge your child’s desires. “Don’t squash a child’s feelings,” she says.

“In no way apologize, because you need to do this for your own sanity and for her attention span and persistence development – so there are three reasons to do it,” Honig says. “But you want to help her make those choices. So you have to do active listening, say you wish, you want to. ‘I wish we could keep them all out.’ Then offer a small explanation – one octave down – of your reasons.”

In addition, using reductio ad absurdum logic — following a request through to its silly or preposterous conclusion – can be an effective way to make your point to a young child, Honig says. “I wish you could have all those toys, but then they’d cover every inch of your bedroom floor, and how could you walk around stepping on all your toys? You’d hurt your feet!”

Of course, we didn’t really know any of this when we started stashing toys more than three years ago. We just didn’t want to be living in a Target toy aisle for the rest of our lives, and we’d heard the idea from veteran parents.

But so far it’s really worked for us: Between hand-me-downs, yard sale finds, doting grandparents, and the attic cycle, we don’t spend much money on toys — except for Legos, which are expensive even in the secondary market; that’s a whole other post. What’s more, our daughter really seems to enjoy her rotating selection of toys and her decision-maker role in the process itself.

And frankly, we’ll take a victory anywhere we can, because raising a happy, emotionally healthy kid can exhaust both you and your wallet.

“We have to be very creative as parents,” Honig says. “People think it’s an easy job, but it isn’t.”

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Landlords to get £27.5m payout from West Bromwich

Thousands of landlords will be refunded about £27.5 million after West Bromwich Mortgage Company, a subsidiary of West Bromwich Building Society, was found guilty of unfairly upping the rate on its buy-to-let tracker mortgages.

Thousands of landlords will be refunded about £27.5 million after West Bromwich Mortgage Company, a subsidiary of West Bromwich Building Society, was found guilty of unfairly upping the rate on its buy-to-let tracker mortgages.

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Do Home Depot and the NFL Owe You Money? Here’s How to Find Out

When I’m not helping Penny Hoarders find amazing free money from settlements, I’m busy scanning food labels looking for “natural” claims.

My daughters love salty snacks, so it was a no-brainer to purchase Snyder’s “all natural” pretzels for what I thought was a healthy snack option.

In March, I let you know about a settlement from the makers of Snyder’s pretzels, who were accused of falsely advertising some products as “all natural” when they allegedly contained genetically modified ingredients and artificial colors.

As a mom, I was disappointed that the so-called “natural” snack didn’t live up to its label, but as a consumer I was glad I could at least get some money back from my purchases!

I know I’ve said it before, but you will be shocked by how little time it takes to fill out a typical claim form. I timed filling out the Snyder’s settlement claim form to prove it, and it took me less than two minutes!

If you’ve never filed for an open settlement before, now’s a good time to try it. This month, I found six different ways you might be eligible to earn money with just minutes of your time.

Let’s jump right in!

1. Omaha Steaks TCPA

Did you get an annoying telemarketing phone call from Omaha Steaks between 2009 and 2013? If so, you can get $60 cash or an $80 gift card from a class-action settlement!

To benefit from this settlement, you will have to provide the phone number where you received a robocall from Omaha Steaks, as well as fill out a claim form.

You must file a claim no later than Aug. 12, 2016.

Learn more here.

2. XHose Expandable Hose

If you bought an XHose but were disappointed by its failure to keep up with promises of being made from a super-strong design, you could benefit from this class action settlement!

Individuals who purchased an XHose either by phone, online or in a retail store in the U.S. between Jan. 1, 2012 and Dec. 29, 2015, can get up to $15 per hose or $30 if you return the male and female XHose end fittings.

To qualify, you must file a claim form no later than Aug. 29, 2016.

Click here for more info.

3. NFL and Reebok Apparel

Football fans in California who bought jerseys, hats or shoes that displayed either the NFL logo or the logo of any NFL team can get money back from their purchase!

NFL and Reebok agreed to pay nearly $5 million to resolve claims that they conspired together to raise the price of fan gear in violation of California antitrust laws.

If you include a proof of purchase (like a receipt) with your claim form, you could get up to $15 for a hat, $45 for a jersey and $45 for shoes. Fans who can’t provide a receipt showing proof but who file a claim form can still get half that amount.

The deadline to file a claim for the NFL class action settlement is Sept. 3, 2016.

Find out if you qualify here.

4. Home Depot Data Breach

Did you use a self-checkout lane at Home Depot between April and September 2014 and pay with a debit or credit card?

If so, your private information could have been compromised due to a data breach and you could be eligible to benefit from a Home Depot class-action settlement.

Home Depot has agreed to pay $13 million to customers affected by the data hack to help cover the cost of out-of-pocket financial losses, as well as reimburse individuals for the time spent fixing issues related to the breach.

You can claim up to $10,000, but you must submit documentation proving you suffered monetary loss along with your claim form.

To benefit from this settlement, file a claim by Oct. 29, 2016.

More info is available here.

5. Norcold RV Refrigerators

Do you own an RV or boat that has a Norcold refrigerator installed? If so, you could get a portion of $36 million class-action settlement or a three-year extended warranty!

The Norcold settlement resolves claims that the refrigerators contain a cooling unit defect that may increase the risk of fire.

If you own (or used to own) a Norcold 1200 or N8 Series gas absorption refrigerator made between 2002 and 2013, you might be included in the settlement.

The deadline to file a claim form for this settlement is Aug. 26, 2016.

Click here to learn more.

6. Citizens Bank HELOC

Are you a Citizens Bank customer with a Home Equity Line of Credit (HELOC)? Then you could get at least $20 from a class-action settlement.

Citizens Bank has agreed to settle accusations that it improperly calculated minimum payments by not using a level amortization method for repayment.

Those included in this settlement are Citizens Bank customers who obtained a HELOC from a branch in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, Pennsylvania or Rhode Island before July 8, 2006.

If you want to benefit from this settlement, you must file a claim form by Nov. 22, 2016.

Make sure you qualify here.

Your Turn: Do any of these companies owe you money?

Melissa LaFreniere is the News Editor for Top Class Actions.

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Bangkok is the best value holiday destination for Brits

Holidaymakers looking to get the most bang for their buck abroad should head to Bangkok, according to new research by travel comparison site Kayak.

Holidaymakers looking to get the most bang for their buck abroad should head to Bangkok, according to new research by travel comparison site Kayak.

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