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الجمعة، 25 نوفمبر 2016

Giving Books for the Holidays? Get $10 Off Your Purchase This Weekend

We’re a bunch of bookworms here at The Penny Hoarder HQ.

We have a book club. We even have a spreadsheet of our favorite books on the off chance a co-worker can’t decide what to read next.

So we’re pretty excited about this Amazon deal: Spend $25 on books this weekend and get $10 off.

It’s probably the easiest sale you’ll score all weekend.

How to Get This Amazon Discount on Books

Amazon’s book prices are already rock-bottom, but this deal rewards those buying in bulk — either for yourself or to stock up on gifts for your family.

All you have to do is add at least $25 of print books to your Amazon cart.

Enter promo code HOLIDAYBOOK at checkout and you’ll see $10 of your tab vanish. Poof! Even cheaper books.

The offer is good until 3 a.m. ET on Nov. 28, which means the deal expires before Cyber Monday sales drop. But who knows what kind of surprises Amazon might have up its sleeve this weekend?

You can’t combine this discount with any other offers on the site, but you know how Amazon prices can change in a blink. It might be worth sticking all the books you want in your cart and sitting on this offer until Sunday afternoon.

Your Turn: What book are you planning to read next?

Disclosure: A toast to savings! Thanks for allowing us to place affiliate links in this post.

Lisa Rowan is a writer and producer at The Penny Hoarder.

The post Giving Books for the Holidays? Get $10 Off Your Purchase This Weekend appeared first on The Penny Hoarder.



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Regret Black Friday and Cyber Monday impulse buys? Here's what to do

The majority of Moneywise.co.uk users plan to spend up to £500 on Christmas, our latest poll results revealed. But has the temptation of buying bargains on Black Friday and Cyber Monday taken you over your spending limit? If so, impulse buys can be returned.

The majority of Moneywise.co.uk users plan to spend up to £500 on Christmas, our latest poll results revealed. But has the temptation of buying bargains on Black Friday and Cyber Monday taken you over your spending limit?

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Buy a Gift Card, Get Free Cheesecake? Yes, Please!

Know someone who loves the endless menu — and piled-high desserts — at The Cheesecake Factory?

It’s OK if that person is you.

Don’t head to your local cheesecake paradise without checking out this deal.

When you buy a $25 gift card this weekend, you’ll get free cheesecake.

How to Get Free Cheesecake From The Cheesecake Factory

For every $25 you spend on physical or electronic gift cards between Nov. 25 and Nov. 28, you’ll receive two eSlice of Joy Cards.  

Your eSlice of Joy Cards are good for one slice of cheesecake or layer cake. You can only redeem one card per guest per visit, but you do have a long window to use them: Jan. 1 to March 31, 2017.

(Grabbing a slice of cheesecake would be a great New Year’s Day activity with a friend, by the way. Call me.)

If you’re planning to buy Cheesecake Factory gift cards for special people this holiday season, you may as well get a couple of free slices, too.

Who in their right mind would turn down cheesecake? No one.

Your Turn: What’s your favorite type of cheesecake? (“All of them” is an acceptable answer.)

Lisa Rowan is a writer and producer at The Penny Hoarder. She doesn’t think you should mess with classic plain cheesecake.

The post Buy a Gift Card, Get Free Cheesecake? Yes, Please! appeared first on The Penny Hoarder.



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How to Start Blogging if You Fell off the Wagon a Long Time Ago

People always ask me how I’ve built up such a huge audience for my blogs.

Part of my secret sauce? I’ve been blogging for well over a decade now.

But not everyone has been blogging for years, and I get that. Some of you may have started a blog years ago but abandoned it.

I can relate. There were several times when I almost quit blogging. I was scared it wouldn’t pan out for me. And it does take time. But I stuck with it, and I’m so happy I did.

And here’s the best part: It’s not too late for you to start blogging.

I know what you’re thinking: “There are a million blogs in my niche. Why should I even try to compete with them?”

There are two main reasons. First, you bring something unique to the table. No one else has experienced everything you have. And besides, your blog should be different from your competition’s, not a carbon copy.

Second, start seeing competition as a good thing. Competition means the niche is popular and profitable. You can actually leverage that competition to get more views on your blog.

If you fell off the blogging wagon a while back, you can (and should!) jump back on. Here’s how to get (re)started.

1. Pick up where you left off

Here’s something that will relieve you: You don’t have to start from scratch.

If your old blog is still up, pay it a visit. It’s probably a barren wasteland, but you can salvage some useful scraps from it.

If you want to blog in the same niche you did before, I highly recommend repurposing content. It’s one of the easiest and most efficient ways to get extra mileage out of existing material.

If you still have access to any old material, pull it out and dust it off. Chances are it’s still relevant to your niche. Or maybe it just needs a few edits to make it shine again.

Assuming you remember (or can retrieve) your login information, you can use this blog to restart if you want. If you still own the domain name (and if you want to blog in the same niche), there’s no reason not to reuse your old blog. Edit your content, give it a redesign, and you’ll be off to the races.

But if you do opt for a shiny new blog, you can simply transfer your content over.

Either way, you’ll take advantage of what you did in the past to make the future easier.

2. Make a big comeback

You want to re-enter the blogosphere with a bang.

There are two ways you can do this.

The first approach is to jump right back into the game and start blogging regularly. If you’ve got a lot of motivation and ideas, this could be a good approach for you.

For example, you could follow in Seth Godin’s footsteps and start blogging every day.

image01

Of course, your posts should be longer. But as an example of consistency, Seth’s blog stands head and shoulders above the rest.

But you don’t have to blog every day—you just have to blog consistently. Otherwise, there’s no point.

Decide how many posts you’ll publish per week, and get to it. You absolutely have to stick to your schedule if you want to come back on a strong note.

The second approach—and the one I wished I’d taken when I started blogging—is to stockpile your ideas before you blog. This takes a little more time, but it gives you a little more flexibility.

If you choose this, you’ll need to do two things:

First, get to writing! You’ll want to have as much content as possible when you officially start up your blog again. There’s no hard-and-fast guideline here, but about 3-4 weeks of content will give you a huge advantage.

Second, create an editorial calendar to schedule your posts. I recommend reading this post from HubSpot that shows how you can use Google Calendar to set up your editorial calendar.

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Like I said, I wish I had taken this approach when I started blogging. There were many days when I was racking my brain for ideas, and a lot of them turned out to be crap.

But if you have the motivation to get out there and start right now, do it! The most important thing is to make a plan and stick to it.

3. Build (or rebuild) your audience

You may have heard this line repurposed from the movie Field of Dreams, “If you build it, they will come.”

But that’s not true for blogging.

You have to build your blog and your audience.

You might have built an audience in the past. If you have, don’t be shy about leveraging that. If you know who read your blog, drop them a line about your return. You can also go through your old blog’s comments to see who was checking out your content.

And if you have an email list, that’s even better. Send out an email saying “I’m back!” More than likely, those subscribers will be glad to flock to your new blog.

In fact, getting your audience involved is one of the best things you can do at this point. Ask for feedback, and use that to improve your new blog.

The blog team at Unbounce did exactly this. They took a 2-week hiatus and asked readers to send in their thoughts:

image04

Even a simple offer like this goes a long way in your readers’ minds. So, if you’ve still got a list floating around, use it!

But what happens if you have no audience at all?

It’s time to build one.

I’ll describe a couple of my favorite methods here, but I highly recommend you check out Quick Sprout’s Complete Guide to Building Your Blog Audience.

First, get a social media game plan. Lots of bloggers start out by relying on SEO, but the truth is that good SEO takes years to develop. Driving traffic through social media will help you out in the short run.

You can either buy ads or build your social profiles from the ground up. If you have the resources, I recommend a combination of both. Don’t rely 100% on ads—get involved with the community and share value with others. That’s how you’ll get people to visit your site in droves.

Second, use outreach. Outreach happens when you contact people asking them to share, promote, or look at your posts.

Reach out to your own network initially. Since you have personal connections, you can be somewhat informal here.

Next, reach out to the big names in your field—the influencers. But here’s the catch: In order to catch the attention of influencers, you’ll need top-notch content.

One of my favorite techniques for creating top-notch content is the Skyscraper Technique. Basically, you take an existing blog post, improve upon it, and send it to influencers. (You can read more about this on Brian Dean’s blog Backlinko.)

When you’re contacting influencers, you’ll need a solid email script. Here’s a good one to use:

image05

Personalize this, and send it to your target influencers. If you’ve put some hard work into your post to make it an ultimate resource, you’ll likely get some responses.

4. Do your research (again)

You might have done lots of research when you started blogging. Now, you need to do more research.

You want to be at the forefront of your niche. You need to know the latest trends and ideas so you don’t fall behind.

Most importantly, take some time to size up your competition. What’s changed over the years? What types of content are your competitors posting and why?

Use this information to find your angle. You have a few options here:

Whatever you decide, make sure your angle stands out in some way. You either need to be a super high-quality or a super unique resource (ideally, you should aim to be both).

5. Build your email list

There’s a ton of truth behind the statement “it’s all in the list.”

That’s because an email list is hands-down the best way to grow and promote your blog.

Earlier, I mentioned that if you still have an email list from an old blog, you should use it. But you can’t stop there. You have to build your list every day.

List building is a long-term process, so don’t get discouraged early on. If you keep at it, you will see the results.

The best way to start is to optimize your site for capturing emails. Yes, that means popups! You might hate them, but they work.

You can have a full-screen popup like the one Ramit Sethi from I Will Teach You To Be Rich uses:

image00

Or you can have a scrollbox like the one we use on Crazy Egg:

image02

Or you can use one of my favorite tools, Hello Bar:

screen-shot-2016-11-22-at-11-39-58-pm

There are a lot of options, so look around and choose carefully.

You should also consider creating a fantastic lead magnet to get more subscribers.

But I have to emphasize something here: a good lead magnet isn’t enough. It should be so good that your subscribers would be shocked to see you giving it away.

Conclusion

Even if you gave up all hopes of creating a successful blog, it’s not too late.

In fact, blogging is easier than ever. You’ll still need to invest some serious time and money, but there are more resources available now than ever before.

If you make a plan and stick to it, you can build a huge audience like I did.

You want to know one of my secrets? I’m nobody special.

You’re probably thinking, “Yeah, right, Mr. Huge Blogger.” But it’s true. All I did was follow some simple rules that anyone can follow and use to succeed, and that includes you.

Now, it took me years to really succeed with blogging. But I didn’t do everything right when I started out. In fact, I spent years recovering from some rookie mistakes I made.

But you don’t have to fall into the same trap. You can get off to a strong start, do things the right way, and find blogging success a lot sooner.

So, if your blog is lying around collecting dust, pick it up and brush it off. You might be surprised at the results.

Are you going to start blogging again? Or for the first time?



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Annuity providers to be forced to offer price comparison

Annuity providers will have to inform their customers how much they could gain from shopping around and switching provider before they purchase an annuity, city regulator the Financial Conduct Authority (FCA) has said.

Annuity providers will have to inform their customers how much they could gain from shopping around and switching provider before they purchase an annuity, city regulator the Financial Conduct Authority (FCA) has said.

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WIN! A copy of BMoneywize

If you’d like an alternative to playing traditional Trivial Pursuits, Cluedo or Monopoly with your family this festive season, consider BMoneywize.

If you’d like an alternative to playing traditional Trivial Pursuits, Cluedo or Monopoly with your family this festive season, consider BMoneywize.

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College Students: Would You Live With a Senior Citizen to Save $7,000?

Would you give up part of your college experience if doing so offered major savings?

Room and board at New York University usually costs about $14,000. But a new program aims to cut that bill in half for some students.

The ideal candidate: Mature. Open to new experiences. Willing to live with the elderly.

Yep.

Want to Live with a Senior… Citizen?

NYU is launching a pilot program to house 10 juniors, seniors and graduate students in the spare bedrooms of senior citizens who live near campus.

Senior citizens will receive income from renting out private bedrooms, while students will get a $7,000 reduction on their housing bills.

The New York Post notes a similar program has been successful in Chicago, where participating students told the Post their senior roommates were less stressful to live with than previous college-age roommates.

The discount on room and board can mean more time to focus on schoolwork instead of picking up a dozen side hustles. The Chicago students get their housing for free in exchange for 20 hours per week assisting the senior citizens in their building.

Is This Housing Deal Right for You?

It’s an amazing deal, but we can’t assume that living with a senior citizen won’t come with its own stressors.

An older roommate may not mind if you stay up all night watching Netflix, but they may frown on you stumbling in and slamming kitchen cabinets at 2 a.m.

They may be down to order Domino’s once a week, but not every single night.

You might not even need quarters for laundry! But please do your laundry often enough that you won’t need to hog the machines for two days straight once you’re out of clean underwear.

Let’s be real here. Get matched with the right senior citizen, and you’ll probably have a heck of a lot of fun while you’re studying.

Your Turn: Would you live with a senior citizen to save money on college housing?

Lisa Rowan is a writer and producer at the Penny Hoarder.

The post College Students: Would You Live With a Senior Citizen to Save $7,000? appeared first on The Penny Hoarder.



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We Asked Small Business Owners How to Get Their Best Cyber Monday Deals. Here’s What They Said…

If Black Friday belongs to the big-box retailers, then Cyber Monday was made for small, independent businesses — on the web, of course.

Cyber Monday deals abound in businesses of all sizes. But smaller retailers, including some that sell primarily online, often reserve this day for their biggest sales of the year.

It’s up to you, dear shopper, to know how to get them.

If you often find yourself cruising Etsy shops for hours at a time, or can’t stop scrolling through the offerings on your favorite specialty designer’s website, now’s the time to study up on how to get the best deals on Cyber Monday.

Resist Impulse Buying

The first rule of Cyber Monday: Don’t spend all your cash before the big day.

Autumn months are prime time for craft shows, festivals and holiday markets, all designed to get you in the shopping mood.

But while special events and markets are great for scoping out wares and testing them out up close, you can guarantee everything’s going to be full price.

If you don’t need that knit hat or tote bag right away, take a business card for the shop instead. It’ll undoubtedly have their social media info and an address for their online shop or Etsy storefront. Finding the shops you like is the first step to extra holiday shopping success.

The next few tips ensure you’ll get the best deal once you’re a fan.

Sign Up for Email Newsletters

Nobody wants more emails to sort through, but I promise they’re worth it for the Cyber Monday deals alone.

If a shop offers advance notice of a sale, it’s going to share it with its email list first. And sometimes, a shop will maximize its sales by running a discount from Black Friday all the way through Cyber Monday, for a long weekend of deals.  

“I usually run my Cyber Monday sale from Black Friday to the Tuesday afterward, just to catch any stragglers,” Noelle Burke, owner of apparel and home decor shop Xenotees, said.

Follow Shops on Social Media

The most current way to get info about sales is through your favorite social media platforms. Most online shops are on Twitter and Facebook, and many have joined Instagram to display their work, along with discount details.

Some shops offer sales spontaneously, meaning you won’t get notice of a sale until it’s already in full swing. These are called flash sales.

“We don’t give much notice for sales; instead, I announce it the day of and try to post reminders at least once a day,” said Becky Waddell of natural beauty retailer Be Clean.

Since we aren’t big enough to have people anticipate a big annual event, we just like to establish the norm that we have promotions, you just have to watch out for them and keep an eye on what’s going on.

Be Clean’s Instagram feed is often both the first place you can find out about new products, as well as discounts and promotions.

If You Don’t See a Sale, Ask

Websites typically advertise their sales on their homepages, but great deals aren’t always evident — especially when a storefront is on Etsy, where there’s limited space to advertise such specials.

Illustrator Katie Vaz primarily sells her greeting cards and prints on Etsy. “Honestly, [promotions] typically don’t lead to more sales than normal,” she said of big holiday specials.

I use promo codes, and even if I have more orders that weekend because of holiday shoppers, only a small percentage actually use the code.

Burke agreed, noting even during increased sales periods, customers have used her coupon codes sparingly. “I think it’s because it is sort of the official launch of the holiday shopping season, and people get excited to make purchases,” she said.

So before you cash out on that cart filled with goodies, double-check you’re not missing coupon codes or free shipping offers.

Don’t see a coupon code? There’s no harm in asking for one to make sure you aren’t missing a deal.

Burke, for example, noted her Black Friday/Cyber Monday sale is the only time she ever marks down all her popular pillowcases. She stays close to her computer on Cyber Monday so she can answer shopper questions through her site’s live-chat feature.

Not sure how to ask for a discount? Just use the common sense and manners you would in a retail store.

Terrible way to ask: “Can I have a promo code?”

Excellent way to ask: “I love your handmade hair barrettes and have been following you on Etsy for a few months. I wanted to check to see if you’re offering any discount codes for Cyber Monday. Would love to stock up for the holidays!”

The worst a seller can tell you is no, they’re not offering a sale. Either way, they’ll probably be grateful you’ve been checking out their items.

Your Turn: What are your tips for scoring a deal on Cyber Monday? Share them in the comments!

Lisa Rowan is a writer, editor and podcaster living in Baltimore.

The post We Asked Small Business Owners How to Get Their Best Cyber Monday Deals. Here’s What They Said… appeared first on The Penny Hoarder.



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Flexible Holiday Gift Ideas for a Frugal Person

Around this time of the year, I get messages and emails from folks who are struggling to figure out gifts for the frugal person in their life. What do they get for the person who is very careful with their money and doesn’t seem to want anything?

It can be a real challenge. I know that people in my life sometimes struggle for gift ideas for me (they’ve told me so), mostly because the handful of obvious interests I do have are fairly niche interests and they don’t know what to buy within those interests, and I also seem completely disinterested in more typical “men’s gifts.”

How do you buy a gift for a person with such a frugal mindset? Last year, I wrote a gift guide for frugal people that included a bunch of specific ideas:

A Slow Cooker
Freezer and Oven-Safe Storage Containers
A Chef’s Knife
A Knife Sharpening Stone
A Cast Iron Skillet
A Safety Razor (and a Box of Blades)
Good Rechargeable Batteries (and a Recharging Kit)
Bed Sheets
Good Food and Beverage Items
Specific High Quality Tools
Specific Camping or Hiking Gear
Homemade Items

While those are all great gift ideas, they’re also somewhat impersonal. Unless a person happens to be into a specific area of interest or actually needs one of these items, these gifts might very well end up unused.

This year, I’m offering a different approach, one that takes into account the person you’re giving the gift to. Here are some ideas that work well as gifts for frugal people.

A gift card that’s very focused on their hobby. Generally, I think gift cards are a poor gift because they come across as “unthoughtful,” but if you choose a gift card that’s very targeted toward their hobby, it can actually turn into a very nice gift.

A frugal person is typically someone who is very careful about spending money on their hobby. They find ways to enjoy their hobbies with minimal expense, even though there may be items that they could buy that would enhance their hobby. For example, an avid book reader (of which I am one) would enjoy a gift card to an independent bookstore.

Why not just give them a gift card to, say, Amazon? A frugal person is going to look at that and think of utility. They’re going to use a general-purpose card on general-purpose expenses. They’ll use an Amazon card to stock up on toothpaste.

Using myself as an example, a gift card to a niche retailer that focuses on the board gaming hobby, like Coolstuffinc, is a great gift because it encourages me to actually get something related to my hobby rather than using it on a normal shopping trip as I would with a gift card to, say, Target. Knowing about this hobby of mine is something that anyone who spent much time around me could easily figure out.

A well-researched reliable quality upgrade to an item they use regularly. If you’re close to the person that you’re giving the gift to, spend some time looking at the items that they actually use all the time. Are any of them worn out? Are any of them cheap or cheaply made? If you can identify such an item, spend some time researching a truly well-made reliable upgrade for that item and you have yourself a stellar gift.

The important thing to remember is that thoughtfulness, time, and research is what really matters here. If you’re looking for a quick gift solution, this is not the way to go. Instead, if you’re willing to spend a few hours really researching a gift and then spending a little to get a truly well made and reliable upgrade item for that person, you’re going to get that happy response that people always want when they give a gift.

Again, using myself as an example, I would love a really well made paring knife. I’ve had a Victorinox one for a long time, which is a great “bang for the buck” option, but an extremely well-crafted paring knife designed to last practically forever would be great. I cut up vegetables constantly with my paring knife. Again, someone who spent much time in my home probably saw me with a paring knife and may have heard me mention such a thing.

A consumable gift of a food item that they enjoy. Think of the foods and beverages that your recipient typically enjoys. Do they enjoy wine? Craft beer? Cured meats? Cheese? What do you actually see them eating or drinking?

Take those things you’ve actually witnessed that person enjoying and run with it. If you’ve seen that person enjoying craft beer, for example, head down to a craft beer store or a liquor store and ask for some recommendations. The same is true with wine. If you’ve seen them enjoy cured meats, stop at a butcher shop and pick up some jerky or salami for them.

The key is to base this gift on things you’ve actually seen that person enjoy. Don’t think about what you might like or what you think an average person would enjoy. Try hard to think about what they would enjoy.

For myself, a six pack or a bomber of unusual craft beer would always make a good gift, as would a soup mix or an unusual type of cheese.

An “experience” gift. An “experience” gift is a gift that leads directly to the person doing something rather than owning something. For example, tickets to a concert would be an experience gift, as would a certificate to take a cooking class.

Much as with the hobby gifts above, these types of gifts line up very well if they’re chosen with that person’s particular hobbies and interests in mind. If you got a pair of football tickets for a die-hard football fan, for example, then that gift would be cherished; for a non-football fan, though, they would become items to quietly sell on StubHub.

For me, for example, tickets to a baseball game would provide a great “experience gift,” as would a trip to a gaming convention.

A membership card or season pass that grants free entry to a place that might interest them. This is something of a continuation on the idea of an “experience” gift, but a season pass or a membership card to a particular attraction that might merit repeat visits can make for a really fantastic gift.

Again, this works best when you take that person’s interests in mind. If you have a friend who always wants to visit an art museum when they visit a city, then a membership to the local art museum (if they don’t have one) is a good gift idea, but for someone who shows no interest in art, it’s not the best idea.

For myself as an example, an annual family pass to the Living History Farms would be a wonderful example.

What if they might already have it? Think of a way to find out that information in a conversation. There are many ways to do this. You can ask them for advice on how they prepare vegetables, for example, if you want to get a good look at their knives. You can call them up and ask about art museums in the city and then figure out if they have a pass to the best one pretty quickly.

What if I don’t have a strong sense of their interests? This can often be true if you’re buying a gift for a relative that you don’t see very often, or if your interests don’t overlap all that much. You might literally have no idea what that person’s interests are, even if you love and care for that person.

The easiest way to figure this out is to simply browse their social media profiles. Almost everyone alludes to at least some of their interests on social media, so you can usually figure out at least a thing or two that they’re interested in on there.

If that area of interest alone isn’t enough, take that area of interest and incorporate it into a conversation with your gift-giving target. Get them to talk a little about their particular interest and pay attention. You’ll almost always find something to work with in their words.

In the end, the thing that matters to a frugal person isn’t stuff, it’s a bit of your thought and time. A frugal person is far more likely to appreciate a cheap but well-considered gift than a showy and expensive but ill-fitting gift. Put in a little bit of thought and you’re almost never going to go wrong.

The post Flexible Holiday Gift Ideas for a Frugal Person appeared first on The Simple Dollar.



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It’s Time to Give Up on Your iPhone 4. Here’s How to Upgrade for Cheap

Do you rush out to get the newest phone model as soon as it’s released? Or are you a Penny Hoarder, waiting until the last minute to embrace the newest technology?

If you’re holding on to an old iPhone, it may be time to give in.

Apple recently discontinued support for the iPhone 4 and 4S models, so if something happens to the old model you’re clutching, you may be out of luck.

But the iPhone 7 is ridiculously expensive, aside from that pesky headphone jack drama. What’s a hesitant shopper to do?

Get a new phone. Just… an older new phone. You can order a pre-owned phone and save hundreds over a brand-new, current-model iPhone.

Here’s the deal on older or gently used iPhones you can get from your cellular carrier:

1. AT&T

AT&T only offers the iPhone 6, 7, and SE models new, but from time to time, its online shop offers certified pre-owned iPhones.

In August, it listed a few new iPhone 5 and 6 versions in the $500 to $600 range. Instead of an installment plan or upgrade special you might get on a new phone, you have to pay upfront for these used models..

2. Sprint

Alongside newer models, Sprint still offers new iPhone 5s 16GB models for $300 or 24 monthly installments of $12.50 per month.

3. T-Mobile

Check T-Mobile’s site for certified pre-owned iPhones. The iPhone SE is also available new for $399.

4. Verizon

Verizon offers certified pre-owned iPhone 5s 16GB for $264 and 32GB 5c for $240. As you might imagine, these phones go quickly, so you may have to check back often before there’s a phone in stock.

But those prices are less stressful than the $529 — or more — you would spend on a new iPhone 6s from Verizon.

What about other places to shop? If you have a hard time trusting eBay or Craigslist, you can shop for a used phone online that will actually last you to your next (eventual) upgrade.

5. Gazelle

Unlocked and major-carrier iPhone 5 models start at just $169. Meanwhile, iPhone 6 models start at about $328.

Just make sure to get the amount of memory you need — there are many more 16GB models available than phones with larger memory.

6. GameStop

You might be surprised to learn that, along with video games and consoles, GameStop also sells used smartphones. I spotted an 8GB iPhone 4S for $99, but the site also lists 5S, 6 and SE models from about $250.

7. Swappa

Swappa is a person-to-person marketplace like eBay, but each listing is reviewed by staff to fight fraud and verify accuracy.

The site offers models all the way back to the iPhone 3, but even better is the link to easily view phones priced under $200.

8. Glyde

Unlocked and major-carrier phones on Glyde start at $151 for a 16GB iPhone 5S.

Like Gazelle, this site has a lot of 16GB options, so if you want more memory, you’ll have to pay a bit more.

Your Turn: How have you saved money on your iPhone?

Lisa Rowan is a writer and producer at The Penny Hoarder. She bought a used iPhone 6 one week before the iPhone 7 was announced. (She’s not patient at all.)

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I Work From Home… and I Have Twin Toddlers. Here’s How I Manage Everything

Even in the most ideal of situations, working from home can be a challenge. It’s easy to get distracted by tasks like laundry, dishes, cooking and even home improvement projects that have been on your to-do list for months or even years.

Add in having twin toddlers and a husband who’s a busy physician, and it’s hard to imagine successfully working from home. However, that’s what I’ve been doing as a self-employed business owner for almost three years.

It doesn’t always run smoothly and my house always seems to be a disaster, but I’m much happier in my work and life now than I’ve ever been.

I wanted to work from home because I envisioned a life where I would spend more time with my family. I knew people could make money blogging, so I started a blog in 2010, planning to use that income to help me work from home.

After three years of blogging and freelancing, and pregnant with my twins, I was ready to take the leap from my teaching job at a university to working from home. I loved my job, but I was ready to take the leap.

Now that I’ve been in business for a few years and my children are older, I can share what I learned along the way. Here are some tips on how I work at home successfully.

1. Do Not Multitask

I once thought multitasking was the only way to get everything done for my business and my family.

One time, shortly after my twins were born, I found myself sitting on the couch with a mountain of laundry, rocking a baby seat with my foot and trying to write a blog post all at the same time.

I eventually finished all of those tasks, but none of them were my best work because I wasn’t focused on one thing at a time. Over time, I’ve found I produce higher-quality work and deliver better parenting when I focus on one task at a time.

Because I couldn’t afford child care when I first started working from home, I could only work when my twins were napping or after they’d gone to bed for the night.

I now have someone come to my house four days a week to help with my children, which brings me to my next point.

2. Hire Help When You Can

As much as I want to be the perfect wife, mother and entrepreneur, I’ve realized that I can’t give 100% to all three things at the same time while maintaining my sense of self. This is why I finally decided to hire help for my business and my daily tasks.

I spent months working at home while caring for my children before I hired a mother’s helper. I was overwhelmed, working mostly during the twins’ naps, and I knew I needed help.

When I realized I could bill more work in an hour than it would cost to hire a mother’s helper, I knew it was a good financial decision. With a babysitter helping me care for my children, it was easier for me to focus on my business.

My finances were tight at first, but over time, I’ve earned more money because I could work uninterrupted.

I used the time my babysitter was watching my children to approach new clients and negotiate new deals. It definitely paid off: It wasn’t long before my income increased by $500 a month, then $1,000 a month and beyond.

I also started outsourcing parts of my business, like social media management and my overflowing inbox, so I could more effectively use my time.

It was far faster, and thus cheaper, to hire an expert to take on some tasks for me. When you start outsourcing, you must be mindful of the cost versus the benefit. But when you do it right, outsourcing can help you grow your business and spend less time working.

3. Carve Out an Office Space

While I have an office space now, it’s actually the first time I’ve had one. Before, I carved out space in my bedroom for a desk and all of my business supplies.

I still occasionally work from other places, such as my kitchen table and living room couch, but in general, I am better focused and can work more efficiently in my office space.

Instead of a nook in my bedroom, I now have the whole upper floor of my house, which is a finished attic, so I can really stretch out. Though I’m enjoying having a lot more square footage for my business, I was able to run it successfully out of just a little nook in my bedroom.

The key is to dedicate a space just for your work, whether it’s a small desk or an office, away from distractions. It’s near impossible to get any good work done with kids trying to sit in your lap and type with you.

4. Take Time Off

You can’t be all about work all the time. I work anywhere from five to eight hours a day, and I take Friday, Saturday and Sunday off both to spend time with my family and to give my mind a rest — it’s a great schedule.

Whenever I start to feel stressed or unmotivated during a work day, I like to take a short break for 15 minutes or so to clear my mind and take care of myself.

One of the ways I do this is by taking a walk. My dog loves to come with me, and getting out of the house is refreshing, even if it’s only a quick walk around the block. Other times, I take a shorter walk just to show my twins some love or get a snack from the fridge.

While these little breaks can be a nice way to muddle through your workday and get things done, eventually you have to shut down your computer for a longer period of time so you can rest and recuperate.

When I’m done working for the day, I shut my computer down so I’m not tempted to re-open it.

I also try to avoid screen time, like checking emails or looking at Facebook on my phone, after I’ve shut down and stopped working for the day. My kids know I’m not paying attention to them when I’m on my phone, so to really be there and maintain a semblance of work-life balance, I try to put it in another room when I’m watching them.

5. Develop Good Productivity Habits

Staying focused can be a major challenge for people who work from home.

Here are some of my favorite strategies for boosting concentrating and increasing productivity, so I get the most out of my working hours:

Plan Out Work the Night Before

After I shut down my computer for the night, I make a list of my top priorities and deadlines for the next day so I know what to tackle first.

Start With the Hard Stuff

If you aren’t a morning person, it can be a struggle to start with the hard tasks, but it will help you feel accomplished in a hurry.

Even though I’m a night owl, I like to complete my hardest and most important tasks early in the morning so things get easier as the day goes on.

With twin toddlers, I never know if I’ll actually get to work as long as I’d planned, so it’s best to finish my priorities early in the day.

Make Time for Exercise

Working from home allows you the flexibility of setting your own schedule, but sometimes this flexibility can be a negative, leading to procrastination instead of action as you think you have time to “do it later.”

Prioritize time for exercise, as it relieves stress and improves your mood. Schedule it for the same time each week, if possible, so you don’t forget about this healthy habit.

I go to yoga every Tuesday night, and I try to work out once or twice more during the week depending on how busy it is. I have a membership to a nice gym, and it’s worth every penny because my kids enjoy spending time in its huge daycare area.

Use Tools Wisely

Play around with timers, schedulers, calendars and website blockers to find ones that work best for you.

Tracking your time helps you realize just how much of it you’re devoting to focused work and how much you’re wasting. Plus, this easily helps you gauge how much you earn each hour.

Website blockers were a great productivity booster for my business. I used Self Control to block Facebook from my web browser, and it significantly improved my focus and work rate.

Could You Work From Home?

Ultimately, working from home isn’t for everyone, but many people are hugely successful at it.

The key to success when you work from home is finding the best way to eliminate distractions and boost productivity. That way, whether you have twin toddlers or not, you can feel great about your workday and feel motivated to keep going.

The key is to make the most of your uninterrupted work time and not get distracted by social media sites, chores, or phone calls with family and friends. If you stick to these rules, you truly can have the best of both worlds — a successful and thriving business and much more time with your kids than the average working mom.

Your Turn: Do you work from home and have kids? Share your tips in the comments!

Catherine Alford is an award-winning family finance expert and financial writer who lives in Detroit, Michigan, and blogs at CatherineAlford.com. When she is not working, she enjoys yoga, spending time with her 2.5 year old boy/girl twins, and doing DIY projects around the house.

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Hatchimals, ‘Unicorns,’ and Other Scarcity Marketing Tactics to Avoid

Just last week, I had a conversation about leggings that blew my mind. After receiving an invite to an online LuLaRoe party, I asked the host how the whole thing worked.

She said I just needed to join the Facebook group and then bid on the leggings I wanted. Simple enough, right? Funny thing is, the party also included a second component I couldn’t quite figure out – a competitive bidding process over special leggings known as “unicorns.”

Now, I’m not an expert, but here’s what I recently discovered: Some LuLaRoe leggings are called “unicorns” because they’re rare. Some of these leggings have actual unicorns on them, while others simply have popular patterns that devoted consumers apparently crave.

They crave these patterns so much, in fact, that they’re willing to get into bidding wars on Facebook to secure a pair. Upon learning these details, I burst into hysterical laughter. By myself. In my living room. Envisioning grown women bidding crazy amounts on “rare” leggings sounded especially funny for some reason.

Unfortunately, I quit laughing after Googling “LulaRoe unicorns for sale.” Across websites like PoshMark, eBay, and Etsy.com, people were selling these babies for $70 or more!

Scarcity Marketing, and Why it Works

While this all sounded crazy to me, it only took me a moment to realize the genius behind this strategy – and what I was witnessing. Scarcity marketing is a clever tactic employed by companies everywhere, spanning nearly every industry that sells services or retail goods.

The concept behind this marketing ploy is a simple, manipulative twist on supply and demand: Limit quantities of whatever you’re selling to generate a forced scarcity, thereby creating a perception that it’s rare or valuable. Once consumers have bought in, you can jack up the price – and the profits – as long as you’re careful not to flood the market.

“Scarcity is often used to bolster sales, but it can also be used to create massive brand lift,” writes Sujan Patel in Forbes. “It plays on the customer’s fear of missing out.”

Promotions like daily deals, product limitations, and one-time only sales create a sense of urgency and leverage scarcity, he explains. Promoting some items as “out of stock” is another way to show scarcity, mostly because it shows consumers your product was so popular it sold out. Examples of creating scarcity he offers include:

  • Amazon Fire TVs running out of stock within a week after launch
  • Nintendo shorted the production of the Wii game console
  • Apple delayed shipping by two weeks or more on the iPhone 5 just minutes after it launched

Some of this might be due to poor planning in supply and demand, notes Patel, but it makes you wonder how companies use this tactic to their advantage.

The Way Scarcity Marketing Affects the Way We Shop

The reality is, most of us encounter scarcity marketing nearly every day. Tell me, when’s the last time you read or hear something like:

“Only X left then they’re gone for good!”

“Offer available for a limited time only!”

“This event will sell out fast!”

“These are the lowest prices of the year!”

Heck, half of my kids’ toys use scarcity marketing as their main marketing ploy. The tiny toasters, blenders, and cupcakes known as Shopkins are the best example I can think of. These miniature toys use packaging that disguises half of the Shopkins you’re actually buying, creating an element of surprise kids love. On top of that, Shopkins creators Moose Toys labels the miniatures with terms like “rare” and “ultra rare” to add another layer of mystique. The goal, of course, is to convince consumers to spend more of their money in pursuit of these scarce finds.

It’s not always an intentional marketing strategy — but a limited supply can sure fan the flames of a nascent fad. At this exact moment, parents all over the country are also scrambling to find a new toy called Hatchimals. These stuffed animals that kids can coax into hatching from an egg were in stock as of late October, but they’ve become the “it” toy for the holidays, and they’re all but gone now. A message on the Hatchimals website explains it all:

“The consumer response to Hatchimals has been extraordinary, exceeding all expectations. Some of our first shipments have already sold out. While additional product will hit retail shelves in November, we anticipate this inventory will also sell out quickly. We have increased production and a whole new batch of Hatchimals will be ready to hatch in early 2017. This is a special season and we don’t want anyone to be disappointed, nor do we support inflated prices from non-authorized resellers. We are working on creative solutions to help kids and their parents withstand the wait. In the interim, some retailers are developing pre-sale and/or rain-check programs for redemption in January.”

If you want one bad enough, though, you can pony up $150 or more to buy Hatchimals on eBay – that would have retailed for about $50 otherwise. The worst part is, parents are the ones feeding this frenzy, not kids. “It’s a craze fueled by competitiveness — parental competition,” consumer psychologist Kit Yarrow tells Money. “It’s not about the product, it’s about winning and obsessiveness.”

Of course, scarcity among kids’ toys is nothing new. In the 1980s, parents practically stormed the stores to get their hands on Cabbage Patch Kids. And old “Today Show” clip shows newscasters explaining the phenomenon, describing lines that were hours long, fights breaking out in the aisles, and parents bribing store managers to be first in line for a new doll.

Why the craze? Because Cabbage Patch Kids were released in limited numbers, and mostly individualized with their own name, look, and birth certificate. It all worked similarly to the LuLaRoe leggings and Shopkins of today. Make something artificially scarce and “special,” and people will line up in droves to buy it. They always have, and perhaps they always will.

The Bottom Line

The fact that retailers want us to spend more on regular stuff that’s purposely made “scarce” is a given, but that doesn’t mean we have to buy into it. Just like anything else, we have the power to decide how we spend our hard-earned dollars, and whether rare leggings, toys, or electronics are worth the splurge.

The best way to avoid overspending for items that aren’t really better, I think, is to spot scarcity marketing and avoid it. It all boils down to the reality of your spending. Do you or your kids want the item because of what it does, or what it represents? Are you buying something because you want or need it, or because you’re scared you’ll miss out? It’s like when you walk into Kohl’s and see that nearly everything is 50% off. But if you save 50% on something you didn’t need in the first place, you didn’t really save anything.

The next time you get pulled into a last-minute deal or a special sale, ask yourself if the item is even worth it. Are you spending more out of a sense of urgency, or could you wait and find a better deal later? And if you find yourself getting ready to pay $70 for a pair of leggings, shut down your computer… and walk away.

Related Articles

Have you ever bought into scarcity marketing? How do you spot scarcity marketing and avoid it?

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