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الثلاثاء، 26 سبتمبر 2017

Halloween: Scary Good Ways to Save Money This Year

The National Retail Federation estimates that Americans will spend a record $9.1 billion on Halloween this year, an average of $86 per household. Depending on your level of frugality, those numbers may shock you like no movie monster ever could.Halloween savings

Don’t panic, though. It’s not that difficult to celebrate Halloween without a petrifying price tag.

Consider the following advice about how to cut your costs on everything from costumes to candy to jack-o’-lanterns.

Get a discount disguise

According to the National Retail Federation, more than one-third of Halloween spending will be devoted to costumes. (Parents of children who idolize the hottest superhero of the moment can relate.) Fortunately, you do have some alternatives to shelling out big bucks for a brand-new costume, including:

  • Make a DIY Halloween costume. You might even be able to transform your child (or yourself) into a favorite character for less than $10.
  • Trade or buy gently used. Go online to look for costume swap events in your community or shop a reputable website.
  • Check out a thrift shop. You might be surprised at the kind of merchandise you find.

Be a smart sweets shopper

The most practical advice for saving on Halloween candy boils down to three tips:

  • Shop early before demand starts to nudge prices upward.
  • Shop for generic brands. (When the candy fever hits, will trick-or-treaters really care about packaging?)
  • Shop online to see if you can find candy at below retail prices.

Pick a pumpkin yourself

You could save money buying the pumpkin for your jack-o’-lantern at a roadside produce stand or a “you-pick-’em” farm instead of the grocery store.

Also, wait until a day or two before Halloween to start carving that fearsome face. Decomposition can set in quickly, leaving your jack-o’-lantern looking more like a deflated orange volleyball and forcing you to get another pumpkin.

Get crafty with decorations

You don’t have to be Martha Stewart to give your home a charmingly spooky atmosphere inside and out. You could even save on electricity by illuminating your yard with energy-efficient CFL and LED lights.

Halloween Credit Cards

Save with your cash back card

Some cash back credit cards with rotating bonus categories provide an opportunity to focus your spending on Halloween purchases, including costumes, candy, and decorations. Here are a couple of examples of cash back cards with upcoming bonus categories that could help with your Halloween shopping list:


Category: Select department stores and Walmart
Rewards rate: 5% cash back on up to $1,500 in purchases


Category: Target and Amazon.com
Rewards rate: 5% cash back on up to $1,500 in purchases

Even though bonus categories don’t roll over until the first of October, go ahead and activate them now if you can.

Not all cash back cards have rotating bonus categories, but in some cases, their fixed categories can still be conducive for Halloween purchases. Consider the , for example. It offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and 3% cash back at select U.S. department stores. Supermarkets and department stores are, of course, two places you’re likely to find candy, costumes, and decorations.

So what can you do with your Halloween rewards? Depending on the card, your redemption options may include cash back, statement credits, merchandise, or travel rewards. No matter how you redeem your cash back, it still amounts to a percentage of your spending that goes back into your pocket.

No cash back card? No problem

Just because you don’t have a cash back card doesn’t mean you can’t save money with some plastic tactics.

You can buy partially used or unused gift cards at a discount on marketplace sites such as cardpool.com or raise.com. Go to the website and search for gift cards redeemable at retailers where you plan to do your Halloween shopping. (You can also sell your unwanted gift cards if you want to raise some extra cash for your frightful festivities.)

Shop your card’s online mall

Another place to look for Halloween deals is your credit card’s online shopping portal — Discover Deals, Chase Ultimate Rewards®, American Express Deal Center, and so on.

Don’t fear frugality

Your enjoyment of Halloween doesn’t have to be dependent on how much money you invest in it. Visit a corn maze, host a scary movie marathon at home, or brainstorm your own ideas for having fun without turning your checking account into a nightmare.

The post Halloween: Scary Good Ways
to Save Money This Year
appeared first on The Simple Dollar.



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The Craziest Thing Happened on “The Price is Right,” but Don’t Run to LA

*In my best “The Price is Right” announcer voice*

Penny Hoarder, come on down!

You’ve won an all-inclusive article about the most recent shenanigans on the popular game show “The Price is Right!”

As part of your prize package, you’ll receive a complimentary look at what people are claiming is the craziest thing to happen in oh, just about the entire 46 years the show has been on the air. You’re also going home with the inside scoop on how to become a contestant on the show — plus, a bit of insight into whether it’s actually worth trying your hand at a game show like this one!

(OK, you can turn off the announcer voice in your head now.)

The Craziest Thing to Happen on “The Price is Right”

All right, so if you’ve made it this far without being like, “Somebody over at The Penny Hoarder HQ has completely lost it,” you’re obviously familiar with the longest running game show in U.S. history, “The Price is Right.”

A couple of weeks ago, the show celebrated Drew Carey’s 10th anniversary as host after he took over for the famous Bob Barker in 2007. (Side note: 10 years?! Bob Barker left the show 10 years ago?! Is this disbelief in the passage of time what being an adult feels like? What??)

Anyway, in the past, landing on the 100 tile of the big wheel during the Showcase Showdown meant an automatic $1,000 prize for the contestant who spun the wheel. Well, to celebrate the monumental occasion that marks 10 years dealing with the ridiculous antics of overly enthusiastic game show contestants, Drew Carey let the wheel-spinning finalists know that the usual money prizes during that portion of the show would be increased.

Contestants could win $10,000 if they managed to score a perfect 100 on their first turn, and could then compete for the additional bonus of $10,000 for landing on a green space or $25,000 for landing on the red 100.

You already know where this is going, right?

Between the three wheel-spinning finalists in that round, “The Price is Right” ended up giving away $80,000.

Wilbert, the first contestant to step up to the wheel, spun a 75 and then a 25 to nab the first $10,000. As he celebrated his win, Charlotte spun a perfect 100. As the two jumped and hugged under the scoreboard, Zachary, the third contestant, managed to land the wheel on 85 and then 15, scoring the third perfect 100.

It was almost weirdly coincidental enough to make you think the producers control that wheel or something. (I like to imagine that a human controls it by running inside like it’s a giant hamster wheel. No, you have an overactive imagination.)

All three players got a bonus spin, and while Zachary’s luck ran out, Wilbert and Charlotte both managed to score an extra $25,000.

Yeah, those prices were deeeefinitely right.

Just Call Me the Dream-Squasher

Now if you’re sitting there with dollar signs in your eyes, dreaming of hearing your name announced as a rambunctious audience cheers and yells, I’m gonna stop you right there.

While game shows seem like an easy way to make some quick cash, they’re not all they’re cracked up to be — and you don’t even get to keep everything you win.

Some more thorough explanations are floating around out there on how to become a contestant on “The Price is Right,” but here’s the gist:

  1. First, you go online to book a ticket. Tickets are free, but you (obviously) have to take care of all travel and accommodation costs for your trip to Los Angeles, California. (Spoiler alert: That’s not a cheap trip.)
  1. Then, you’ll go through a screening process on the day of your episode’s taping. While a ticket may guarantee you a spot in the audience, the producers will choose the actual contestants during the quick, pre-show screening process where you have five to 10 seconds to prove your enthusiasm (without overdoing it).

Fun fact: Aaron Paul, of “Breaking Bad” fame, actually made it onto stage as a contestant — long before he became a famous TV star.

During the show, your name might be called, but again, it might not. Each show has 325 audience members, but only nine are actually chosen to play — and only six make it past Contestants’ Row.

So while the odds of making it onto that stage are better than some game shows, they’re certainly not worth paying hundreds of dollars to take a trip for a not-so-great-chance at possibly being called up and then maybe winning a prize.

You Can’t Escape the Taxman

As if I wasn’t being enough of a buzzkill already (I know, I suck), I’ve got another bit of downer information for you: Contestants pay some pretty hefty taxes on their winnings.

Apparently, winners have to pay taxes on their prizes before they can even receive them. And we’re not talking small numbers, either. The prizes are treated (and taxed) as income in the state of California, which is where they are received.

One man revealed that after winning close to $57,000 in prizes on the show, he paid somewhere between $17,000 and $20,000 in taxes before he could collect his winnings. That’s upwards of 30%!

Are Wilbert and Charlotte still jump-dancing after hearing those figures? (OK, probably yes, but still! They’ll each pay about $10,500 in taxes before they can access a single penny of their prize money.)

I don’t know, folks. I guess if you’re headed to L.A. for a fun trip anyway, it might be worth hooting and hollering in the audience for the chance to win a nice chunk of change — but I wouldn’t take my chances otherwise.

Grace Schweizer is a junior writer at The Penny Hoarder. She (and Bob Barker) would like to remind you to “Help control the pet population. Have your pets spayed or neutered.”

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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7 Buzz-Worthy National Coffee Day Deals That Will Perk You Up This Friday

School is back in session, the holiday season is coming up and work is… well, work! There’s a nonstop barrage of people and projects demanding your time and energy. We have a few ideas to help you save time, and your energy could be in for a big boost later this week!

This Friday, Sept. 29, is National Coffee Day.

And that means you can score a free (or cheap) pick-me-up just in time to deal with the fact that it’s already time to start making plans for Halloween. And have you even thought about your holiday shopping yet?

I’m exhausted just thinking about it.

Where to Find Free Coffee on National Coffee Day 2017

We’ve found lots of options to help you score some celebratory joe — and wake you up as September winds down.

1. Dunkin Donuts

Dunkin Donuts isn’t about to let its coffee-loving patrons suffer through the holiday. Stop by your favorite DD and get a free medium coffee with the purchase of a medium, large or extra large one.

Bring a friend and share the love! (By love, I mean caffeine.)

2. Krispy Kreme

Krispy Kreme is going above and beyond by extending National Coffee Day through the weekend. Head to your local Krispy Kreme to get one free hot brewed coffee in any size or a small iced premium blend per day from Sept. 29-Oct. 1

I don’t know about you, but I know where I plan to be when I see that “hot now” sign light up.

3. Cumberland Farms

On Friday, just text FREECOFFEE to 64827 to receive a mobile coupon on your smartphone. The coupon is good for a free Farmhouse Blend or bold coffee in any size (hot or iced), or your choice of tea, cappuccino or hot chocolate.

4. Pilot Flying J

On the road this week? Participating Pilot Flying J travel centers will offer a free small cup of Pilot Coffee, or any small hot tea or cappuccino of your choice this Friday. All you need is this coupon to get your free cup o’ joe.

5. Stewart’s Shops

If you live in New York and like to get your coffee buzz at Stewart’s Shops, you’re in luck. On Friday, you can get a free hot, iced or cold-brewed coffee from noon until close. What’s more, you can get it in any size and any flavor.

That’s right, you can indulge in your pumpkin coffee while taking in New York’s fall colors. Sweater season is so nice, right?

6. Gloria Jean’s

Coffee chain Gloria Jean’s will offer 12-ounce brewed coffee this Friday for $1. It’s not quite free, but it’s still a deal!

7. Keurig

Prefer to brew your coffee at home? If so, Keurig is your buddy. In honor of National Coffee Day, Keurig will offer 15% off most boxes of pods and 20% off recyclable K-cup pods starting Sept. 29. Just use code GREENSAVINGS at checkout.

The deal goes through Oct. 2, so you have the whole weekend to choose your favorites.

Sorry, No Free Starbucks, but….

This pricy chain won’t offer free drinks this Friday, but if you can spring for a cup, it will offer a little bit of education.

Starbucks will use National Coffee Day to teach its customers about the importance of sustainably sourced coffee. It may not be the freebie you want, but you’ll walk away with a better understanding of the cup of joe in your hand. Plus, you’ll learn how to continue to help countries that rely on coffee growing for their economies.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He plans on getting every free cup of coffee he can on Friday. Just try to catch up with him! Find him on Twitter at @Tyomoth

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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These States Saw the Most Growth in Personal Income Over the Last Year

Call it a comeback for the Rust Belt.

People in the same states that suffered crippling job and income losses as the U.S. manufacturing industry declined are starting to make more money.

That’s according to the latest personal income numbers released by the U.S. Bureau of Economic analysis (and a Penny Hoarder look at changes over the last year, rather than just the last quarter).

Indiana, Pennsylvania and Michigan are among the big winners in growth in personal income, for a variety of reasons.

Perhaps an increase in residential construction jolted jobs and pay in the building industry, an Amazon sorting or fulfillment center went on a hiring spree, or tourism and the arts had a strong showing. (Yes, tourists visit the Rust Belt, too.)

Surprised? We aren’t, considering most of these states have a city or several on our list of the best places for millennials to relocate.

Here are some states you might want to consider moving to if you want to ride that sweet, sweet cash wave coming in.

Personal Income Has Grown in States You Might Not Expect

When you think of high-growth states where everyone wants to move, Florida, New York and California are the places that most come to mind, right?

Well, when it comes to the growth in wages or other income, they don’t end up at the top of the list.

We used the year-over-year change in quarterly per capita income (a fancy way of saying individual earnings) for the second quarter of this year and the same period in 2016, to determine the top states in personal income growth.

We also looked at which specific job types or industries were driving earnings growth to see what the heck was going on. Here’s what we found.

Indiana: 3.1%

Indiana? Really?

Earnings in the construction industry jumped 10.1% from the second quarter of 2016 to the same timeframe this year to a little more than $13.1 million.

Growth in employer contribution to pensions (6.6%) and total pay in the arts, entertainment and recreation sectors (9.5%) were also big drivers of the change. Who knew Indiana had such a cultural knack?

Delaware: 3.1%

Ah, Delaware. The state where nearly every corporation is incorporated.

It shows in what’s driving the growth this year: A 19.2% increase in earnings for the management of companies and enterprises industry. Construction earnings also saw a significant bump, increasing 10.1%.

And, although it’s a miniscule piece of Delaware’s economy, earnings for farmers grew 9%.

Georgia: 2.9%

It’s a dirty job, but someone’s got to do it. And Georgia is doing it well.

Waste management and remediation earnings grew 9.6% over the last year, followed by an 8.2% increase in overall earnings by those in the transportation and warehousing sector.

Call that the Amazon effect, as Georgia is home to three of the online retailer’s fulfillment centers, with more on the way.

Michigan: 2.9%

In Michigan, a former Rust Belt powerhouse, earnings in the transportation and warehousing sector (Hi again, Amazon!) grew at nearly double the pace of manufacturing with an 8% increase this year compared with 4.7% for the latter.

But, like Delaware, much of the recent growth was fueled by a 12.1% jump in wages in the management of companies and enterprises. Boring.

Pennsylvania: 2.8%

And finally, we come to Pennsylvania.

It may not seem like the sexiest state, but it landed in the top five states in terms of earnings growth thanks to, again, the Amazon effect.

Transportation and warehousing earnings increased 6% in the second quarter of this year. And again, in a nonfarm state, farm earnings jumped 30%.

State Personal Income in These Areas Barely Budged Over the Last Year

Where there are winners, there are inevitably losers.

Using the same method as above, we wanted to find the states you should run from right now. Seriously, pack your bags and jump on the soonest cheap flight you can find, because these states had the lowest percentage change in income.

  • North Dakota: -0.6%
  • South Dakota: 0.2%
  • Oklahoma: 0.4%
  • Iowa: 0.4%
  • Nebraska: 0.6%

OK, so if you live in one of these states you don’t necessarily have to leave — just learn a few awesome ways to put money in your bank account this year.

And who knows, there’s always next quarter for a comeback.

Alex Mahadevan is a data journalist at The Penny Hoarder. One more hurricane, and he’ll probably be ready to leave Florida for one of the top five.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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This is Why You Still Have to Pay Taxes on Earnings from Survey Sites

Paid survey sites can be a simple way to bank a little extra cash in your free time.

You probably know surveys aren’t our favorite way to make extra money, but we make an exception for when you’re just hanging out — e.g. watching T.V., riding the train, in the back of an Uber. Might as well click a few buttons and make some money while you’re at it.

Swagbucks and InboxDollars are two of the rare legitimate paid survey companies out there.

These sites typically pay in points instead of direct cash, but you can use those points to purchase gift cards with actual cash value. Should you prefer cash over the cards, you can turn around and sell any gift cards you earn.

Which leads us to a common question…

Do Paid Surveys Count Toward Taxable Income?

Whatever you earn through survey sites — or any other apps you use to earn money on the side — counts toward your gross income come tax time.

A reader recently wrote to ask us about this:

“Is there any way to make money or [earn] gift cards that isn’t going to have to be filed on our taxes as income? We are very close to the cutoff of paying full price for health care for our two children…”

Short answer: Not really.

Longer answer: Taxes are complicated, but let’s quickly break it down.

The IRS files all the money you receive into tons of different categories. It taxes most of them, including those you probably expect:

  • Salary or wages
  • Tips
  • Freelance income ← Where your app income probably fits in.

Here’s why: Yes, technically you’re receiving the income as a “gift card,” but it isn’t a gift, per se. To the IRS, cash equivalent items look just like income, so you count them as part of your wages.

More Things That Count Come Tax Time

Because we know you like finding creative ways to make money, here are some taxable items you might not expect:

  • Bartering: If you fix your neighbor’s chimney in exchange for their son mowing your lawn, the IRS wants to know the value of those lawn-mowing services.
  • Gambling winnings: You have to report any money or prizes you win gambling. But you can deduct your losses. That’s one stroke of good luck!
  • Hobby income: Do you make money from a blog or selling antiques? You have to report that. But you can also deduct expenses, like hosting or travel, up to the amount of your hobby income.
  • Illegal activity: Did you earn money selling drugs or a stolen car this year? (Please don’t answer that.) The IRS wants to know about it. So do your local police.
  • Alimony: This counts as income in the eyes of the IRS. (Child support is different. Keep reading.)

What You Don’t Have to Count as Income for Tax Purposes

Back to that reader question… here are a few things you don’t have to report as taxable income:

  • Olympic medals and prizes: Headed to the Olympics or Paralympics sometime soon? Thanks to a 2016 law under former President Obama, you won’t pay taxes on the spoils if you win.
  • Child support: No taxes on child support you receive! The payer foots the tax bill on that money.
  • Carpool money: If you drive in a carpool, any money you get from passengers is considered reimbursement for your expenses, not income. If you drive with a service like Uber or Lyft, however, you’ll pay taxes on that income as an independent contractor.

There are a few more untaxables, but they get pretty particular. Bottom line: You’ll pay taxes on pretty much any money you bring in — including the stuff you get from survey sites and other apps.

If you want to keep your taxable income low, make sure you claim as many deductions as possible.

Dana Sitar (dana@thepennyhoarder.com) is a senior writer/newsletter editor at The Penny Hoarder. Say hi and tell her a good joke on Twitter @danasitar.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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This Study Says Millennials Aren’t Killing the Financial Adviser Industry

Money… she’s not always easy.

Being a grown-up and keeping track of the (loads of) money you have coming in, the stuff you have to spend it on, and the places where you’re saving and growing it can get tough. That’s why people turn to financial advisers.

But millennials? Not so much. Only 46% of millennials said they use a financial adviser, according to a recent LendEDU survey.

And why would we? We’re so great at bucking the trends boomers and Gen X set, especially when those trends cost money. So it’s no surprise we’re reluctant to shell out cash for investment or financial advice — not to mention the time and effort necessary to communicate with someone on the phone or, gasp, go to their office.

The surprise comes when you realize we’re not replacing human advisers with apps that automate money management, e.g. robo-advisers and robo-investors.

That’s usually our M.O., right?

Alas, LendEDU says a measly 24% of millennials use robo-advisers to manage and invest their money.

Why Millennials Aren’t Using Robo-Advisers

Though we’re often painted as obsessed with the latest trends in everything from fashion to food and tech, it seems we’re much more hip to avocado toast and special shades of pink than to the technology that could make our financial lives easier.

Of those who don’t use the apps, 62% said it’s because they’ve never heard of a robo-adviser.

Maybe it’s a language issue. “Robo-adviser” sounds like something from a 1980s action flick, some monster from the future that came to terrorize a high school by giving everyone poor career counseling.

But the term just refers to apps that automate your investments, savings and money management.

Software does the work humans used to have to do, so they’re much cheaper to use. That makes financial advice more accessible to the likes of millennials — like ride-share apps make taxi service accessible to people in the middle of Iowa.

Some of Our Favorite Robo-Adviser & Money Management Apps

In case you’re in that majority of millennials who’ve never heard of robo-advisers, here are some examples:

  • Blooom: This robo-adviser helps optimize and manage your 401(k). Cost: $10/month, but you can get a free account checkup before signing up.
  • Betterment: Considered the pioneer of robo-investing, this app invests your money into a portfolio of low-cost index funds. You can start with a minimum $100. Cost: 0.25%/year
  • Acorns: This app connects to your debit and credit cards and automatically rounds up your purchases, investing the spare digital change in a simple portfolio based on your risk tolerance. You can use the account to automate your savings and withdraw anytime. Cost: $1 + 0.5%/month (no fee for a zero-balance account)
  • Stash: Choose a portfolio based on your beliefs and interests. It’ll pull an amount you set from your bank account at regular intervals, and you can start with as little as $5. Plus, you’ll get a $5 bonus when you sign up through this link. Cost: $1/month (first month free)
  • Clarity Money: This app connects to your bank account and cards to give you a visual representation of your spending and income. It also shows your recurring charges you could cancel and will negotiate your bills down for you. Cost: free
  • Credit Sesame: This free app and service shows you your credit score and credit report, plus suggests steps you can take to improve your score. Cost: free

Millennials Don’t Trust Robo-Advisers

Ignorance isn’t the whole picture. Plenty of millennials have heard of robo-advisers but still aren’t using them. Why?

We don’t seem to trust the software with our money just yet.

Millennials are slightly more inclined to believe robo-advisers will make a mistake compared with humans — 52% versus 48%, respectively, according to the LendEDU survey.

Worse, we apparently worry the software can’t keep track of our funds. A majority, 62%, think a robo-adviser is more likely than a human to lose their money.

On the flip side, we think human advisers are more effective — 69% told LendEDU they believe human advisers will get a better return on their investment than robo-advisers.

That last point might be true, depending on how you want to invest your money, but… fees, phone calls, offices, human contact. Please.

Here are a few things real millennials have said about their experiences with robo-adviser apps:

Jamie Cattanach set up Stash to automatically pull $5 a week from her bank account to invest and build her emergency fund. “I was thrilled to find a way to finally start investing, and then automate it so I didn’t have to think about it,” she says.

CJ Reid manually rounds up her purchases with Acorns, accepting round ups of less than 50 cents, “like my $3.60 cup of coffee.”

“Rounding up 40 cents here and 25 cents there moves me swiftly enough to $5 so that I can begin investing without putting myself into the red,” she says.

Carson Kohler set up Clarity Money to hold herself accountable to her budget and goals.

“By simply analyzing and keeping tabs on my spending habits with Clarity Money, I’m reminded of my larger financial goals,” she says.

Ready to Test the Waters With Robo-Advisers?

You don’t want to be left in the dust. Fluff your cloud eggs, slip into your romper and download a few money-management apps.

If you haven’t found one that fits your needs here, try these seven apps The Penny Hoarder staffers actually use to tie down that dame we call money.

Dana Sitar (dana@thepennyhoarder.com) is a senior writer/newsletter editor at The Penny Hoarder. Say hi and tell her a good joke on Twitter @danasitar.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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This is When It’s Cheapest to Buy Holiday Flights — and When It’s Too Late

Ever heard the saying, “If you fail to plan, you plan to fail?”

Well, don’t suffer a monumental travel fail by paying more than you should for airline tickets this holiday season. Instead, plan now and book now.

The Best Time to Buy

This week is when airline tickets will be the cheapest leading up to Thanksgiving and Christmas, according to travel site Hipmunk.

Travelers who book flights this week could save up to 27% on Thanksgiving travel and up to 38% on Christmas trips, Hipmunk reports.

But don’t worry if you haven’t nailed down your holiday travel plans just yet. According to Hipmunk’s analysis, airline prices waver only slightly from now until the week of Halloween. But after that, prices will rise more steeply.

Hipmunk refers to the week of October 30 as the “point of no return.” Be prepared to pay much more if you buy your holiday flights after that.

Additional Holiday Travel Tips

When booking your travel, don’t forget to factor in airline baggage fees. Your cheaper flight may not save you much once you add in the price of bags.

You’ll also want to consider additional related costs, like travel insurance, snacks or selecting premium seats.

If you want to avoid the crazy airport crowds, Hipmunk suggests traveling on Thanksgiving or Christmas, when bookings are at a minimum.

If you choose the day before Thanksgiving or December 22 or 23 — aka the busiest days ever — don’t complain to me about the never-ending TSA lines and having to fight for elbow room on the plane.

Nicole Dow is a staff writer at The Penny Hoarder. She wants to stay home for the holidays.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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Love Wine? You Might Love This Flexible Sales Job in Pacific Northwest

Most employers frown on drinking at work.

At WineRelay, sampling wine on occasion is actually part of the job.

The small Seattle-based company, which provides sales and marketing services to nearly 20 independent wineries, is looking to hire two wine sales representatives who’ll help sell wine to customers over the phone.

This is a part-time job where you’ll log about 10 to 30 hours per week.

Though you’ll mostly work from home, job candidates must live in Washington state or Oregon. You’ll need to travel quarterly to meet winery clients for tastings. WineRelay’s network of wineries are located in the Pacific Northwest, including DeLille Cellars, Avennia and Eleven Winery in the greater Seattle region.

As a wine sales rep, you’ll be expected to make about a dozen calls an hour to encourage wine sales. If you’re turned off by cold-calling, don’t worry — this isn’t that. The job description refers to it as “warm calling” instead, because you’ll reach out to the wineries’ previous customers, not trying to bring in brand-new clientele.

WineRelay is looking for candidates with strong social skills, a basic knowledge of sales and a passion for wine. You should be driven when it comes to hitting sales goals, even during a slow season.

This is a commission-based job. WineRelay’s founder, Michael Haas, told us base pay ranges from $11 to $14 an hour. However, wine sales reps will generally make about $15 to $20 hourly with commissions.

Benefits include flexible scheduling and free and discounted wine.

Haas said you’ll have opportunity to grow with the company and move into a full-time position in the future, performing other marketing roles.

If this seems like the final answer in your search for flexible jobs, get your resume and cover letter ready! According to the job listing, the cover letter should be less than half a page explaining a little about yourself and why you’d be a good fit. You must also include a sentence about your favorite wine.

See here for more information about this position and to apply via Indeed. You can also apply by sending a resume and cover letter directly to Michael@WineRelay.com.

For more fun and interesting jobs like this, like The Penny Hoarder Jobs on Facebook to stay in the loop!

Nicole Dow is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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This Study Says These are the Top 5 Side Gigs for Making the Most Money

We love good side gigs here at The Penny Hoarder, but are y’all actually trying to make some substantial pocket change?

Last month, Bankrate published a study that revealed those with side gigs are making, on average, an extra $9,948 a year.

Dang.

But what platforms are side-gig workers using to rake in this money?

Earnest, which offers personalized loans, combed its data of tens of thousands of loan applicants and found the most profitable arenas.

Ranked by the average monthly income, here are the top five:

1. Airbnb

Earnest found that the average monthly income for Airbnb hosts was $924, making it the most profitable side gig on the list.

This makes sense, as we wrote about a host who makes $1,380 a month just by renting out a backyard tent.

You don’t have to be that creative, though. Folks list spare bedrooms, vacation homes, garage apartments and even campers to bring in the bucks.

Use the platform’s calculator to see how much you could make each week.

2. TaskRabbit

Ever heard of it?

TaskRabbit is an online marketplace that matches freelancers to local demand. For example, if you need a logo made for your website, find a designer on TaskRabbit. Or if you need your lawn mowed, search TaskRabbit.

According to Earnest’s data, TaskRabbit members make, on average, $380 a month.

If you want to learn more about TaskRabbit, check out advice from these contractors, who make up to $2,000 a week.

3. Lyft

Ever wonder how much you could make driving for a ride-sharing service? Lyft and Uber come in back-to-back on this list.

The average Lyft driver pockets $377 a month, according to Earnest’s findings.

However, this is just the average. Your wages will depend on where you live and how often you drive. Earlier this year, we interviewed a guy who makes $750 per week as a Lyft driver.

If you’re curious about how much you could make, Lyft has a calculator to see how much you could make.

4. Uber

Uber comes in closely behind its competitor. Earnest states that the average Uber driver makes $364 a month.

Last year, we hunted down six Uber drivers from across the U.S. Some worked part time while others worked full time and earned upwards of $450 a week.

Want to see how much you could make? You can sign up now.

5. DoorDash

DoorDash is an on-demand food delivery service that’s located in more than 300 cities.

According to Earnest, the average “Dasher” makes $229 a month.

If you’re interested in being tempted by delicious food each day, check out more details on its site.

The side gigs that rounded out the top nine also included Postmates, Etsy, Fiverr and Getaround. If you want to see more details and breakdowns, Earnest has it all.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. Do you make bank in the sharing economy? She’d be curious to hear your story!

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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How a Cat’s Accident Helped This Couple Find a Way to Make an Extra $6K

The Experimental Kitchen

“Sounds like an experimental kitchen.”

A friend of mine said those words to me a few weeks ago when I was discussing a couple of our latest culinary experiments. She’s right, of course. Over the past year or so, I’ve really fallen in love with making a number of foods at home, on my own, and I wanted to share some of those “experiments” with you.

Why?

Well, for starters, this is The Simple Dollar and not Ye Olde Weird Food Blog, so the truth of the matter is that most of these food experiments were initially borne out of a desire to have some more expensive food options at home at a lower cost. I wanted to have some mind-glowingly good breads and other items at home at my convenience, items that might cost $7 at the grocery store or $10 or more at a good bakery but only cost $1 or so at home along with fifteen minutes of work. The goal was to save money by reducing the cost of high-end foods down to the cost of basic store brand foods or lower.

Another reason is that I wanted to learn some new skills in the kitchen so that it would be easier for me to prepare a wider array of meals. If baking a loaf of bread or making breadsticks several times could show me ways to make that process simpler and easier, I’d be more and more likely to just make such things myself rather than buying them, because they’d be both cheaper and better that way.

A final reason? It’s fun. I enjoy making things in the kitchen. I enjoy doing it with my family, especially my youngest son who is a budding chef. I enjoy seeing how different flavors interact. I enjoy watching foods change as they cook and as they rest. Those things bring a lot of simple joy and contentment into my life.

Today, I simply want to tell you about five different “food projects” I’ve done at home over the last several months or so. They’ve all been really interesting in their own way.

Sourdough Bread

A few months ago, I decided to create a sourdough starter so that I could make my own homemade sourdough bread and sourdough pizza crust. My oldest son and my mother both love sourdough – and I quite like it, too – but it’s fairly expensive to buy decent sourdough at the store. Plus, you have no real control over how “sour” that sourdough at the store is – if you make it yourself, you can control the sour level pretty precisely with a little practice.

Sourdough starter itself is pretty easy to maintain. If you’re actively baking things, you just leave it in a covered jar on the countertop. Each day, you remove half the contents of the jar and use it for baking, then add 3/4 cup flour and 1/2 cup water of your choice. Stir it thoroughly and replace the lid. (The exact ratio of flour:water:starter might vary depending on location, but this is what works for me here.)

Getting it started is more or less the same. You just take 3/4 cup flour and 1/2 cup water, mix them together, and put them in a jar of some kind with a loose-fitting lid. If you don’t have this, you can just use a two liter widemouth jar and put some sort of loose cover on it, like Saran Wrap, and attach it with a fairly loose rubber band. You want it to be able to breathe, just a little.

Each day, you just repeat the feeding. Remove half of what’s in the jar, add 3/4 cup flour and 1/2 cup water, mix it together, replace the lid.

For the first couple of weeks, you’ll notice it changing every day. It’ll start to get “sour” over time – you’ll be able to tell by the smell. After about a week and a half, it’s ready for baking.

All you really need to do to bake with it is to remove half the starter as before (but save it this time), feed the stuff that’s in the jar, and close it back up. Then, feed the starter you “saved” and let it rest for several hours or so in a different closed container (a big bowl with Saran Wrap is fine), then follow the sourdough recipe of your choice, using this “fed” starter. This rustic sourdough recipe is a great starting point, and this is a lot more tart but it takes more time.

Here’s the cool part – if you watch the “fed” starter that you’re about to use for baking, you’ll see that it doesn’t do much for the first hour or two, then it starts to rise, then it really starts to rise, then the reaction slows down and the whole thing starts to collapse on itself. You want to use it when it’s still rising. The best approach I use is to either separate it in the morning and bake in the mid to late afternoon, or separate it just before bed and bake in the mid-morning the next day.

The bread… is amazing. It makes great toast. It makes great sandwiches. It makes great breadsticks. The breadcrumbs are to die for. The croutons are to die for. It’s just amazing.

The best part? It’s dirt cheap. It literally costs about a dollar for the ingredients – basically, just flour and water.

And since it’s your own bread, you can add some additional things, too. I like adding just a hint of garlic right into the dough, just enough so you can barely taste it in the bread. A friend likes adding fresh basil and rosemary right into the bread.

What if you travel? That’s the cool part. Right after you feed it, stick your whole starter jar right in the fridge. It’ll wait for a week instead of a day in the fridge between feedings (and can last even longer in a pinch). When you’re ready to bake again, pull it out, feed it again, and start doing it daily again – it should be ready to go on the second day. That’s really all you need to do.

Not only that, this was an absolutely wonderful experiment with my children. All it really required was a jar with a lid, some flour, and some water. We got to watch the sourdough starter slowly evolve from ordinary flour and water. We got to watch it rise and fall over time. We got to bake bread together. In the end, we had an amazingly tasty treat.

If you’re interested, here are a few good links about getting started with sourdough at your own home.
Sourdough Bread: A Beginner’s Guide from The Clever Carrot
Beginner’s Sourdough Bread from The Perfect Loaf
Beginner’s Guide to Creating and Maintaining Sourdough Starter from The Fresh Loaf

Beer

Homebrewing has been a hobby of mine for a very long time. It’s a hobby that ebbs and flows – I’ll make six or seven batches in a row, churning them out to the very limit of my equipment, and then I’ll take a break and not make any for a while.

It’s a hobby that I’ve gradually acquired a lot of gear for, but the truth is that you really don’t need much gear at all to pull it off. All you really need is a five or seven gallon food grade bucket with a lid that has an airlock hole, a bubbler lock (which costs just a dollar or two at any home brewing supply store), a siphon hose (and a bulb to get it started), containers (bottles and caps, usually, but you can just save bottles if you regularly buy beer and buy a bunch of caps and a cheap capper for a few bucks at a brewing supply store) to store the finished beer in, and the ingredients for the beer. In fact, you can just buy a kit from that brew supply store. You’ll also need a pot that can hold a gallon or two of liquid and a thermometer, but you likely already have those in your kitchen.

With those things, you can make about eight six packs of beer for about $20-30 in ingredients, depending on what you’re making. The additional costs of the bucket, hose, and capper are sunk costs, but you can just keep reusing them.

A kit will walk you through the steps. Mostly, you’ll just need to add water and heat to the ingredients in the kit in the order described. Eventually, you’ll add the liquid you cook up to the bucket, add some more water to it, wait until it cools, add some yeast, and then close the bucket and pop in that bubbler lock. That’s it. Wait for a couple of weeks, add a bit of finishing sugar, then siphon it into bottles and cap them.

The nice part about this process is that once you have the gear, it’s far cheaper to make your own version of a particular beer (by following the recipe) than buying that many bottles at the store, and you can vary it yourself in whatever way sounds good to you. I made an oatmeal stout once with just a bit of cocoa powder in it and it was literally the best beer I’ve ever tasted.

My own process, refined over years, involves actually brewing the beer in a large glass carboy – think of a glass bottle on a water cooler. I’ve added a few more steps to the process, mostly to control the addition of some ingredients for particular types of beer, but it still boils down to this basic structure. I cook up what looks like a big vat of tea, put it in a vessel, let it cool down, add some yeast, put a cap on it, let it ferment, then eventually siphon it out and put it in bottles. It’s a process that my whole family often helps with, from the actual cooking to the final capping.

Here are some great beginner’s tutorials on brewing beer:
How to Make Beer for Beginners from the American Homebrewers Association.
Star Your Own Home Brewery by Joe Scivicque
Homebrewing 101 (video) from Northern Brewer

Sauerkraut

Many of the same principles that apply to sourdough bread apply to sauerkraut, except it’s even cheaper to make. Literally all you need to make sauerkraut is cabbage (which is extremely cheap), salt, and water, along with some kind of lidded container to keep it in. You can improve your chances of success (because there is a little risk of a batch going bad) if you get a container that has a water lock in the lid, as with home brewing, and a glass weight to sit on top of the kraut to weigh it down.

The best part? If you make it yourself, you can make it as sour as you’d like or as gentle as you like. You can add more ingredients like jalapeño peppers or radish or preserved lemon or caraway seeds to add new flavors and variety. Even if you screw up a batch, you’re only wasting a bit of cabbage and a bit of salt. If it turns out well, you’ve got enough sauerkraut to serve with several meals.

So, what do you actually need to get started? While you can “cheapen” a few of the items, the path that leads to the most success is with a wide mouth glass jar with a bubbler in the lid along with a glass fermentation weight that you can sit on top of the kraut to weigh it down while it’s fermenting.

Just take a clean head of cabbage, chop it finely in a bowl, add two tablespoons of salt, and toss it around in the cabbage. Let it sit for fifteen minutes or so, then work the cabbage with your hands, squeezing it to extract some of the briny liquid, for a few minutes. Put this entire mix in the jar and add a couple of glass weights on top. The kraut should be entirely submerged under at least two inches of salty liquid; if not, add a tablespoon of salt to two cups of water, mix it thoroughly, and pour it directly on top. Put the lid and the bubbler on and let it sit.

How long? The longer you let it sit, the more “sour” it becomes, so if you like mild sauerkraut, taste it after a week, or if you like it pretty sour, check it after three weeks or so. If you ever see the liquid level getting lower and there’s less than an inch of room between the top of the cabbage and the surface of the liquid, add another cup of the salty brine into the jar.

It’s actually fun to watch it slowly change over time. It starts off looking like shredded cabbage and then it gradually ferments into sauerkraut. Even more interesting, as the bubbles come out of the bubbler, they begin to smell like sauerkraut.

When it’s done, I recommend putting small amounts into small freezer containers for long-term storage. You can use small freezer zipper bags or other containers; whatever works for you.

This is so easy to do, and it’s so cheap (especially compared to buying kraut, especially fresh kraut), and you’re able to get it exactly the right level of sourness for your tastes, and you can add additional flavors so easily … I don’t know why anyone who likes sauerkraut wouldn’t do this. (You can use the same approach with kimchi or pickles or any other similar fermented food.)

Here are some links for additional information about making sauerkraut at home.
Sauerkraut 101 from MakeSauerkraut.com
How to Make Sauerkraut: Recipes and Tips from The Old Farmer’s Almanac
How to Make Homemade Sauerkraut in a Mason Jar from The Kitchn

Pasta

Homemade pasta takes a fair amount of effort, but it’s quite rewarding as you can make wonderfully flavored and textured pasta that’s fresh and silky in your mouth, without any of the “extra” ingredients one might find in pasta bought at the store. It’s also way cheaper than fresh pasta, and it can make some mind-blowing ravioli (my preferred use for it). Making pasta is also a great project with kids.

All you need is flour, a few eggs, a pinch of salt, a teaspoon of olive oil, a rolling pin, and a kitchen knife!

Start by mixing together 2 cups of flour and half a teaspoon of salt in a bowl. Then, mix in any additional flavors you might like, like a teaspoon of dried basil or a teaspoon of garlic powder or a bit of tomato paste. Don’t add a whole lot – a teaspoon or so will do. Once this is all mixed, make a little well in the middle of the flour and add three eggs and a teaspoon of olive oil.

Mix the dough with a fork until it turns into a ball and can’t really be mixed any more. Then, spread a bit of flour on the table and knead it with your hands until it’s smooth to the touch. The color should be yellow unless you added something colorful earlier. Wrap this ball of pasta in some plastic wrap or put it in a Ziploc bag for 30 minutes or put it in the fridge for up to two days.

After the dough has rested, open it up and cut it into four equal pieces so you’re working with a manageable amount of dough. Wrap up the other three. Then, spread out a little bit of flour on the table and start rolling out the dough. You will want to roll it thin enough that you can see light through it. If you really want to put in some extra effort for somewhat better pasta, fold the pasta sheet into thirds and then roll it out again, and repeat as often as you’d like.

(I’ll confess right now that one of my dream splurge purchases is an electric pasta maker. It’s one of those things that I’m sure I would use, but I can’t actually reasonably justify the cost of a good one. I have a manual pasta roller (received as a gift many years ago) but I find that it doesn’t save much time over just rolling it out with a rolling pin, so I usually just use a rolling pin.)

Once you have a sheet of pasta, dust it liberally with flour and roll it up. If you’re cutting linguine noodles, just cut thin slices off of the roll. If you’re making ravioli or some other shape, cut the roll into large pieces, unroll it, then pile up those unrolled pieces and cut them into squares.

Then, loosen all of the pasta so that it’s not sticking together and dust it with a bit more flour. If you want to dry it, now’s the time – dried pasta can store for quite a while. Just spread it out and let it dry – you can hang it over the backs of chairs! You can also freeze it – just make individual serving sized piles of the floured pasta, put them on a freezer sheet, and freeze them.

The best option, though, is to just cook it fresh. I like to mix shredded cheeses and a hint of pasta sauce and then make ravioli by scooping a bit of the mix onto a pasta square, then putting another square on top and sealing all of the edges carefully by pressing down with a fork over and over along the edges. Fresh pasta cooks quickly – when you toss it into boiling water, just give it a few minutes and it’ll be done (trust your taste test).

Yes, this process takes some time, but it costs very little, it’s a fun project with the kids, and you can store the extras really easily. This is a fun “winter afternoon” activity that usually results in two or three amazing pasta meals… my homemade ravioli is a huge family hit, and my youngest son loves making it with me.

Here are some articles on making homemade pasta:
How to Make Homemade Pasta from Genius Kitchen
How to Make Fresh Pasta from Scratch from The Kitchn
The Science of the Best Fresh Pasta from Serious Eats

Kombucha

I’m including this last section because it’s something I’ve seen rising in popularity as of late and it’s something that I’ve really enjoyed making with my seven year old son, who absolutely loves kombucha. He would drink it all the time if we allowed it.

Kombucha is basically fermented tea, usually sweetened a bit. It has a unique flavor that’s fairly sweet (depending on how you make it) but also with a bit of a sour “kick” to it that’s a bit reminiscent of mild, flavorful vinegar. It can also naturally carbonate so that it’s fizzy, but you have to be a bit careful with it. It’s something that sounds strange to describe – I’ve found that some people love it and others… not so much.

To make kombucha, all you really need is one of those glass jars with a bubbler mentioned earlier, along with some reusable bottles to store them in (I like these) if you want to make fizzy kombucha, and some tea bags, sugar, and water. You may eventually want some other things for flavoring, too.

One final thing you’ll need is a SCOBY, which is a disc-like thing that is the active ingredient in kombucha. Each time you make a batch, a new SCOBY grows under the old one, so you can just keep chaining your batches forward once you have one. They also store for quite a while in the fridge. You can find them at a lot of food co-ops or on Amazon for a few bucks.

All you really do to make kombucha is make a sweet tea – heat up some water, add some tea bags, let it steep for a while and cool, add some sugar, then add the SCOBY when it’s at room temperature, then cover it. Let it go for about a week for your first time – the longer you let it go, the more “sour” and the less “sweet” it is. When it’s done, remove the SCOBY, add some flavoring if you like (I usually add a bit of fruit juice and stir it), and store it in the fridge.

To save the SCOBY for future batches, peel the SCOBY into two pieces, then add one of them to a cup of kombucha without the flavoring added. Put that in a container in the fridge. It’ll be fine for a long time. You can save both pieces if you’d like, but I like to just go ahead and use the other one immediately for a new batch (again, just use a cup of the old unflavored kombucha and the old SCOBY as a “starter” for a new batch of sweet tea)!

If you want to make it fizzy at this point, move the kombucha to bottles with a few inches of head space and seal them. Leave the bottles out for three days, then move them to the fridge and drink them within a few more days.

When you serve kombucha, whether fizzy or not, pour it through a fine mesh screen (like a fine kitchen strainer) to catch any remaining bits of SCOBY that might be in there.

That’s it! It’s easy to make. It’s a fun project to do with the kids. You can make it as sweet and as sour as you like by adjusting what you add to it for flavor and how long you ferment it. It’s also fun to see it brewing right there on your kitchen table.

Here are some resources for making your own kombucha.
How to Make Kombucha from Cultures for Health
How to Make Kombucha Tea at Home from The Kitchn
How to Make Your Own Kombucha from Rodale’s Organic Life

Final Thoughts

The home kitchen is a place where you can experiment with interesting foods at a low cost. You don’t have to drop $10 or $20 on an expensive item at the store when you can make it yourself for much less. Even better, you can often make delicious items to share with others – few things liven up a dinner party like someone bringing a loaf of fresh sourdough on their arm.

It’s also a great way to become more adept in the kitchen, so that preparing less adventurous things begin to feel so simple that it actually seems easier to just make a lot of meals at home than to go out and spend a lot of money for someone to prepare basically the same thing.

Even better, making interesting things in the kitchen can become a great way for family members to spend time together learning how to make interesting foods and prepare interesting ingredients. These experiments have brought all of my family into the kitchen over the years.

What food do you deeply enjoy? You might just find that it’s relatively inexpensive and relatively simple to make at home, and it might just bring family and friends together, too.

Good luck!

The post The Experimental Kitchen appeared first on The Simple Dollar.



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This Actor Gives Her Makeup Tips for Looking Camera-Ready on a Budget

As an actor, I have to take especially good care of my skin so that I look flawless on camera — but because I’m not a famous actor (yet), I can’t break the bank doing it.

Hopefully you can use my budget beauty hacks, whether you’re prepping for a date, a night out on the town with friends or even the red carpet.

1. Know What You Can Spend Less On

Not all makeup products are created equal, but you can (and should) go low-budget on the following items.

Eyeshadow

I buy my 12-color eyeshadow palette from the 99 Cents Only Store. The color combinations make my eyes pop, while the gold specks in the shadow make my eyelids shimmer.

When I arrived on set to work a few months back, the make-up artist exclaimed, “Wow, your eye makeup is gorgeous!” She had no idea that she was complimenting bargain-basement eyeshadow. #winning

Lipstick

I prefer nudes, soft pinks and other natural tones to adorn my luscious lips. (Yes, I just called my lips luscious.) L.A. Girl makes matte lipstick in an assortment of colors for peanuts compared to what you’d pay at stores like M.A.C.

The L.A. Girl Matte Velvet Lipstick retails for $3.99 at ULTA and $2.99 at ikatehouse.com.

Mascara

I don’t have a favorite mascara; I buy whichever one is on sale at the drugstore. Currently I’m rocking Maybelline’s Great Lash® Washable Mascara.

You can snag it for $3.99 at Target or for $4.44 on Amazon.

Makeup Cleansing Tissues

I don’t waste money on expensive makeup removal cloths. I use SKINLITE’s tissues, which come in a variety of scents like cucumber and aloe vera.

Buying these locally pays: I pay just $1.99 for a pack of 30 at my local beauty supply store. Simplymakeup.com sells them for $5.45, and Amazon sells them for $6.77.

2. Pay A Little More For Some Products

Having a solid foundation is as critical in beauty as it is in construction work. Please, pretty please don’t cut corners by purchasing a subpar foundation.

A foundation that doesn’t match the color of your skin or that makes you look either ashy or orange hardly reads “starlet.” (Been there, done that.) Buy a quality foundation and be willing to pay a little bit more for it.

I use an all-natural, creme foundation by AJ Crimson, which goes for $35. It’s worth it because it provides excellent coverage, endures the camera’s lights, is water resistant and lasts 18 hours. However, I paid only $24.50 because I went shopping with my makeup artist and received her 30% discount. #winningagain

You can purchase it either at select beauty stores or online.

3. Shop With a Professional

If possible, buy all of your beauty products with a makeup artist or licensed cosmetologist.

Licensed cosmetologists and makeup artists can receive discounts of 10% to 60% on products from many beauty retailers, so you can save on your beauty purchases if you shop with them.

4. Stay Connected

Stay connected with all of your favorite beauty brands and retailers on social media to stay up-to-date on their latest deals.

For example, M.A.C. recently offered free lipstick on National Lipstick Day. Did you get some? Makeup companies like Sephora and Ulta also offer freebies every year for your birthday.

5. Become a Model

If I have to go to an industry event and need to look red-carpet-ready, I get my makeup done professionally by my little cousin, who is a budding makeup artist. Because she’s building her portfolio, she’s willing to do it for free.

Contact your local cosmetology school to connect with students looking for models. They’ll get a model, and you’ll get a professional makeover for free!

6. Take Care of What Your Mama Gave You!

It’s easier to accentuate the beauty of healthy skin than it is to try to cover up unhealthy skin. I keep my skin healthy and mostly pimple-free by eating lots of fruits and vegetables, gulping down tons of water and using organic skin care products.

I use Blu Skin Care, a USDA certified organic skin care line. Although Blu isn’t cheap, I no longer have to buy expensive acne fighting products or pay for pricy cover-up. I also actually wear less make-up now because my skin is so healthy.

I use Blu Skin Care’s USDA Certified Organic Oat-Flax Facial Cleanser ($25.00), their USDA Certified Lemon-E Toner ($40.00) and their USDA Certified Organic Whipped Coconut-Green Tea Moisturizer ($55.00) daily.

The toner and moisturizer last for a long time, so I don’t need to buy them often. But, whenever Blu has a sale, I try to stock up on extra bottles of the cleanser.

7. Do It Yourself Facials

Shelling out for $60 facials can really add up, even if done only quarterly. When I don’t have extra money for a professional facial, I give myself one at home.

I cleanse my face, steam it with a facial steamer and then apply a mask. (If you don’t own a steamer, you can apply a warm cloth onto your face.) Lastly, I moisturize my skin.

Over the years, these tips have saved me thousands of dollars on beauty products and services. This year alone I expect to save at least $500, and I’m ready for any industry event — be it a last minute audition for a commercial, a red carpet movie premiere or an Emmy party.

In her former life, Chanté Griffin taught kids how to make and manage money as the director for a financial literacy non-profit. Today, she teaches herself how to make and manage money as a freelance writer and actor.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.



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99+ Paid Writing Gigs and Opportunities

By Holly Reisem Hanna Freelance writing is one of the best ways to make money from home. You don’t need any special training, the opportunities are plentiful, and you don’t even need a website to get started. As long as you can provide well written, thoughtful content — you can make a good amount of […]

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10 Jobs to Avoid: These Careers Have the Lowest Job Satisfaction in America

How to Protect Your Credit in a Divorce

The temptation to ignore your credit during a divorce can be strong, and unintended. After all, divorce generally brings stress and grief into your life, which likely dominates your focus. You may feel like you simply do not have the energy to worry about one more problem in the midst of the other pressure you’re facing.

Even if you don’t care today, at some point in the future the condition of your credit is going to matter to you again. The next time you decide to apply for a new loan, a new job, or new housing, your credit is probably going to matter a great deal, in fact. Protecting your credit during divorce is much easier than rebuilding credit that’s been damaged after a divorce.

Your Divorce Decree Will Not Protect Your Credit

One of the biggest mistakes people make during a divorce is misunderstanding the power (or lack thereof) of their divorce decrees. The truth, unfortunately, is that your creditors will not care about your divorce decree, nor are they legally required to accept its terms.

If you signed a promissory note to take out a joint debt with your ex, the lender is not going to accept your divorce decree as a get-out-of-jail-free card. Even if a judge has required your ex to take financial responsibility for a joint bill, the creditor will still hold you personally accountable if your ex fails to hold up his/her end of the bargain.

Consider Your Options

Although your divorce decree alone will not be sufficient, there are still a number of other options that might protect your credit during a divorce. You may not like some of the options available to you, but taking some sort of action is still typically better than sitting back and allowing the chips to fall where they may.

1. Sell Joint Assets

Is your divorce somewhat civil? If so, you and your ex might be able to agree together to sell your jointly financed assets (e.g., houses or vehicles). Selling joint assets can often prevent a lot of credit problems from ever occurring in the first place.

When you sell a joint asset, you have to use the funds to pay off the loan attached to it. Additionally, if you make a profit on the sale you may be able to agree with your ex to use those funds to pay off other joint debts as well, such as credit cards or personal loans. If you like the house or car, you can certainly be the one who buys it from your soon-to-be ex.

2. Refinance

Another strategy for protecting your credit during a divorce is to refinance your debts. If your ex, for example, is going to keep the family home, then you might be able to convince him or her to refinance the mortgage into a new loan without your name attached. If you’re willing to refinance the debts for which you are going to be responsible, then your ex may be willing to do the same.

3. Make the Payments Yourself

No one likes to hear this option, but it should be discussed anyway. If your ex is unwilling or unable to make payments on a joint debt, then those late payments and other credit issues – such as default, charge-off, or collection – might severely damage your credit scores.

One way to prevent such credit damage is to make the payments on those joint debts yourself. You can always try to take your ex back to court for failing to honor your divorce decree and “hold you harmless,” but in the meantime paying those debts yourself will protect your credit.

4. File for Bankruptcy

If you cannot afford to cover the payments for your ex’s share of your joint debt, and if your ex isn’t willing to refinance or work with you to sell joint assets, then bankruptcy could be the best course of action. Your credit scores may take a further hit from the bankruptcy, but at least it would offer you protection from your creditors. It would not, however, off the same protection for your ex.

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John Ulzheimer is an expert on credit reporting, credit scoring, and identity theft. He has written four books on the topic and has been interviewed and quoted thousands of times over the past 10 years. With time spent at Equifax and FICO, Ulzheimer is the only credit expert who actually comes from the credit industry. He has been an expert witness in over 230 credit related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit.

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