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الأربعاء، 20 ديسمبر 2017

Want to Save Thousands on a New Car? Buy the Nearly Identical 2017 Model

Buying a used car makes a lot of sense financially. But let’s face it — sometimes we just want something shiny and brand new.

But if you’re in the market for a new car, you may want to pause before you set your sights on a 2018 model vehicle. Online car retailer Vroom compared 2017 models against their 2018 counterparts and shared a few with us that are nearly identical but cost much less.

Scott Chesrown, Vroom’s chief revenue officer, said the biggest advantage in choosing an older model car over the latest version is the price.

“New cars can lose up to 22 percent of their value in the first year, starting from the moment you drive it off the lot,” he said. “Majority of the time, there isn’t much of a difference between models from year to year. There might be some cosmetic differences, but not enough to warrant spending 22% more.”

Here are four vehicles Vroom found where the 2017 models will feel like brand new in 2018 — but with savings of nearly $1,000 or more.

Hyundai Sonata

The average 2017 Hyundai Sonata comes in at $15,820 on Vroom while the list price for the 2018 model is $22,050. Vroom states the newer model varies from the older one only in that it has stiffer suspension and a new front grille, taillights, LED headlights and wheel design.

“If you’re not into minor cosmetic changes, you’ll be just as happy in the 2017 model,” the online car retailer claims.

And you’ll see a savings of over $6,200.

Audi A4

The 2017 Audi A4 costs about $28,600 on average on Vroom while the 2018 model comes in at $36,000. Go with the older version, and you’ll save $7,400.

Vroom states, “The new Audi A4 has an updated wheel design and a premium package option that includes heated seats, lane and high beam assists and adaptive cruise control. If you live in a warmer climate or don’t plan on getting a premium package, you’re probably better off with the 2017 version.”

Subaru WRX

Vroom’s price for a 2017 Subaru WRX is $26,000 on average while the 2018 model retails for $26,995.

According to Vroom, the exteriors of the two models are the same, but the 2018 version includes a newer collision monitoring system and electronic all-wheel drive, as well as a premium upgrade option. The online retailer states that if you’re opting out of the premium upgrade, you can find significant savings by choosing the older model car.

That’s nearly $1,000 in savings, by the way.

Jeep Grand Cherokee

On Vroom, the 2017 Jeep Grand Cherokee averages around $27,050, while the manufacturer’s suggested retail price for the 2018 model is $30,595. That adds up to a savings of over $3,500.

Vroom states, “There are no notable changes between the 2017 and 2018 Grand Cherokee models. Take advantage of the instant depreciation, and snag the 2017 version instead.”

If You’re Ready to Buy

If any of these savings piqued your interest, be sure to check out Carson Kohler’s post on buying a car from Vroom or other online car retailers. A set of new wheels doesn’t have to come with used car-lot haggling.

Nicole Dow is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Olive Garden Is Giving Away Kids’ Meals for Only $1 — but You Must Act Fast

Worried about what you and the family will eat for dinner tonight? This Olive Garden coupon might make the decision a little easier for you.

From now through Friday, kids can eat for $1 at participating Olive Garden locations. Just enter your phone number into this form, and you’ll get the coupon to claim the deal.

To claim the $1 meal, you have to purchase a full-price adult meal first. And don’t try to buck the system by ordering Early Dinner Duo items, an appetizer as a meal or just the soup and salad to get the freebie on the cheap: The coupon’s fine print specifically forbids this. But you can order pretty much anything else on the menu to get the deal.

If you’re traveling with more than one child, you should know that you can get up to two Olive Garden kids’ menu items for $1 with a single coupon, but you need to purchase two adult meals.

The coupon is valid until Friday, Dec. 22.

Desiree Stennett is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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FedEx Is Warning Everyone to Delete Emails With This Subject Line ASAP

What’s worse than ordering your holiday gifts at the last minute? Getting an email that says they can’t be delivered.

Scammers know that, so that’s exactly why they’re disguising a nasty virus as a failed FedEx delivery notification –– and it could wipe out your computer if you fall for it.

How to Spot These Fake FedEx Emails

FedEx details the fake email on its Customer Protection Center page. The email reads:

“Unfortunately we were not able to deliver postal package you sent on December the 14 in time because the recipient’s address is not correct. Please print out the invoice copy attached and collect the package at our office.”

The email asks the recipient to open an attachment and print out the invoice copy –– which is where the virus is. FedEx warns recipients not to open the attachment and says you should delete the email immediately.

Another fraudulent email circulating claims to be from a FedEx employee with a fake notice related to FedEx services, or just a random phrase or sentence.

FedEx warns that this email’s attachment may also contain a virus, and you should delete it immediately.

If you’re ever unsure about correspondence between you and your carrier, call the carrier directly for confirmation. You could save your computer and personal information in the long run.

Kelly Anne Smith is a junior writer and engagement specialist at The Penny Hoarder. Catch her on Twitter at @keywordkelly.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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How to Recover from a Financial Crisis

It was supposed to be an epic family vacation. Until it wasn’t.

Picture this: We had just moved into our temporary rental in Nashville, Tennessee, and we were so ready for a break.

One cool thing we didn’t realize at the time was the fact that our new school district has what’s called “Fall Break.”

Now, we’re totally used to taking a break from school for Thanksgiving, but this particular break takes place in October. All of a sudden, we realized we had three school days off plus the weekend to do something fun.

Hooray! 🙌🏼

After talking to a lot of parents in our neighborhood, we learned that Nashville locals spend their fall break in a place called 30A, which is located in the Panama City Beach area of Florida. After hearing this news, it didn’t take long for Mandy and I to settle on a sunny beach getaway.

I mean, what could go wrong?

Unfortunately, we found out that even the most amazing vacation plans can fall apart in the blink of an eye. Before we even left the house, our youngest son came down with the stomach flu. We were worried he wouldn’t recover in time, but thankful when he rallied at the last minute.

But, our trouble didn’t end there. Once we arrived in Florida, my oldest son started getting sick. And while one kid getting sick isn’t the end of the world – especially when you have four – the world really does come to a standstill when mom and dad are desperately praying for recovery.

Sure enough, my wife got hit with the same stomach bug the last night of our vacation. And about 90 minutes after she started puking, I joined her. We were both down for the count, puking up everything that we had consumed that day.

While the experience was horrible, thankfully, it wasn't serious enough where we had to go to the emergency room.

Of course, not everyone is so lucky. You hear horror stories all the time of somebody getting hurt while away from home and having to deal with some sort of medical or financial crisis.  We avoided it this time, but definitely got me thinking “what if.”

  • What if we had to take everyone to the emergency room and cover our large medical deductible in one fell swoop?
  • What if we had to stay a few more days in Florida because we couldn’t drive home? What kinds of additional costs would we encounter, and how would we cover them?
  • What if one of us had an extended health condition that made it difficult for us to work?

The reality is, any of these situations would have been fine for us, mostly because we have our financial ducks in a row. But, I realize that’s not the case for everyone.

If you’re trying to figure out the best ways to handle a financial or medical crisis, here are some steps to take:

Step #1: Always have an emergency fund.

No matter your financial situation, having an emergency fund is crucial. Without a fully-stocked e-fund, it’s hard to cover surprise expenses like a leaky roof or a car repair, and you’ll be a lot more susceptible to financial issues if you have a medical emergency.

How big should your emergency fund be? Now, that’s an entirely different question – and I’m torn on the answer.

Many “experts” say you should have 3-6 months of expenses in cash, but for some people, that’s a lot of money that would be better off invested.

Other “experts” like Dave Ramsey say you should start with a baby e-fund of at least $1,000 and work up from there.

I tend to believe that your emergency fund can be flexible, as long as it provides enough cash to cover your potential liabilities if somebody got sick or lost their job.

As you start building an emergency fund, consider asking yourself these questions:

  • Will my emergency fund cover my deductible so I can get medical care without going into debt?
  • How long will my emergency fund last if I lose my job or can’t work because I’m sick?
  • How much are my monthly bills?

From there, you can figure out how much you need and start building your fund in a high interest savings account. If you’re worried about not having enough, try to commit to saving $50 or $100 per month then ratcheting it up over time.

Remember, a small emergency fund is better than no fund – and you can continue building it up as time goes on.

Step #2: Plan for the worst.

As an optimist, I always hope for the best for my family and everyone I meet. But, that doesn’t mean you shouldn’t have a plan in mind if everything falls apart.

Having an emergency fund is a good example of hoping for the best but planning for the worst-case scenario. You might hope you’ll never have to use your e-fund, but in reality, you’re probably going to use it for medical bills, new tires for your car, and other boring expenses you’ll wish you didn’t have to pay.

Other ways to plan for the worst can include things like:

  • Buying term life insurance as income replacement
  • Buying disability insurance in case you can’t work
  • Having proper limits on your auto coverage so that, if you get in a wreck, you aren’t left in the lurch
  • Having health insurance coverage that protects your family from catastrophic medical bills

Of course, none of this sounds fun – and it’s not. However, planning for the worst is crucial if you’re going to escape financial disasters and medical emergencies unscathed.

Step #3: Live below your means.

Here’s a piece of financial advice that works for everyone no matter your income or your status:

Live below your means, and you’ll be a lot better off.

Unfortunately, a lot of people prefer to live at or even above their means. How many of you know a high earner or family of high earners who spends every penny they earn and more? How many of you know someone who is moderately wealthy who doesn’t have a dime in the bank?

As a financial advisor, I’ve met far too many people who earn enough on paper but spend every dime. Unfortunately, this puts them in a perilous situation where any emergency -financial or medical – can cause their finances to spiral out of control.

If you want to avoid situations where a job loss, illness, or health condition leaves you broke, the best thing you can do is spend less than you earn and save the rest.

By living below your means, you’ll make it easier to keep up on your bills if the worst-case scenario comes true.

Step #4: Figure out what you owe, and hatch a plan to pay it back.

Ideally, you’ll have an emergency fund in place long before you encounter a financial or medical crisis. But, what if you don’t?

If you wind up owing money after a financial crisis, the best thing you can do is figure out what the damage is and the best ways to pay it back.

Start by adding up the grand total of your bills. From there, you can figure out how much you might need to pay monthly to pay back what you owe.

Let’s say you racked up a $5,000 bill in the emergency room or getting your car repaired. How much could you pay each month to whittle the balance down, and how long will it take you to pay it all off?

If you had to charge the balance on a credit card, what is your interest rate? And how will your interest rate affect your repayment timeline?

Most of the time, a good credit card payment calculator can help you figure out how much you’ll owe each month, how much of your payment will go to principal, and how much you could save if you paid down debt faster.

Step #5: Handle financial emergencies responsibly.

While a credit card can certainly help you out of a financial jam, be aware of the risks you may encounter with using credit for emergencies without considering other options. For starters, credit cards can come with higher interest rates than other financial products, so look at your credit card rates versus, say, unsecured loans, for emergency expenses. Further, credit cards don’t come with firm payoff dates or fixed payments, so it can be all too tempting for some to make the minimum payment and delay paying off the debt.

There are many financial tools out there that could help if you find yourself in a financial crisis. It’s good to know what’s out there if you don’t have the funds needed in an emergency in savings, and need funds quickly.

Personal loans are a financially responsible tool I’d recommend. Since personal loans are unsecured, you can also get one without collateral. If you’re approved, most lenders provide funds within the week. I know with Discover Personal Loans, upon approval funds can be sent as quickly as the next day after acceptance. You can choose from a variety of flexible repayment plans to fit what works best for you. Not only that, but they have a fixed monthly payment and a fixed repayment timeline so you’ll know exactly what  you owe every month and can easily budget and get back on-track financially..

If find yourself with higher-interest debt from handling the financial jam, personal loans can also help to consolidate and pay down your debt. While personal loans still involve borrowing money, they can come with lower interest rates than other financial tools and have a set pay-off date.

If you choose the personal loan route, it’s also important to make sure you choose a loan company with no origination fees – Discover Personal Loans is one.

The Bottom Line

Life happens, and there’s no way to avoid every emergency or disaster the world throws at you. But, with a plan, you’ll be ready to fight back and get back on track.

By having an emergency fund, planning for the worst-case scenario, living below your means, and handling emergencies responsibly, you’ll be prepared for anything that comes your way.

This is a paid post written by me on behalf of Discover Personal Loans. All opinions are my own.

The post How to Recover from a Financial Crisis appeared first on Good Financial Cents.



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Busting the Applebee’s L.I.T. Myth: We Drank 20 Just to Try to Catch a Buzz

This past October, Applebee’s attracted the attention of budget-minded lushes when it announced a monthlong drink deal featuring $1 margaritas. But the boozy bargain begat a backlash after an anonymous employee’s muckraking Snapchat video revealed that the much-hyped Dollaritas were allegedly one part bottom-shelf tequila, one part margarita mix and three parts tap water, all sloshed together in unappetizing plastic buckets.

Perhaps to atone for this sin, the fast-casual dining chain now has $1 Long Island iced teas throughout the month of December. Also, the restaurant is (questionably) abbreviating Long Island iced tea as “L.I.T.,” with the clear implication being that one can get lit for just a fistful of dollars.

Unlike margaritas, Long Island iced tea should be hard to water down, as the recipe explicitly calls for a potent combination of equal parts gin, vodka, tequila, rum, triple sec, and cola. So while its name and tea-like appearance may conjure up images of little old ladies sunning themselves on a porch, the resulting concoction is actually better suited to little old ladies who like [clap emoji] to [clap emoji] party [clap emoji].

But would these be true Long Islands? And if they were, how many would our local Applebees allow us to wantonly guzzle before cutting us off?

These were the burning questions that my roommate Matt and I were endeavoring to answer when the CTA bus dropped us off at a packed Applebee’s in suburban Chicago last Saturday at 6:50 p.m. In the spirit of the Gawker writer who devoted 14 hours of her life to devouring TGI Friday’s endless appetizers, we were determined to get to the bottom of this thing — or, more to the point, find out whether or not this thing had a bottom.

The ’Bee was bumpin’ that evening, but we were able to worm our way through the crowded waiting area and snag two empty seats at the bar.

A part of me wanted to stride confidently to the counter, tender a crisp $20 bill, look the bartender straight in the eye and say, “You know what I’m here for.”

However, I also knew that an Applebee’s spokeswoman told The Takeout that, although there are technically no limits on the number of drinks you’re allowed to order, the restaurant does abide by “a code of responsible service of alcohol.”

We asked our bartender for two Dollar L.I.T.s She promptly filled two 10-ounce mugs to the brim with ice and held them under the spigot of a large, clear plastic bucket that was about 40% full of yellowish-green liquid. Then, she squirted a splash of Pepsi into each mug.

The resulting drink looked like a Gatorade on the rocks that someone had accidentally spilled some cola into, but the flavor was more like a watered-down pink lemonade.

It didn’t taste like a Long Island iced tea — or like something that contained any alcohol at all, really. And thanks to the massive amount of ice the bartender used to pad out the mug, there was really only about 6 or 7 ounces of liquid.

But while the flavor, potency and sheer volume of the Dollar L.I.T. left me rather unimpressed, I did think to myself, “Well, at least it’ll be pretty easy to knock back a bunch of these things.”

This notion would prove to be profoundly naïve.

7:36 pm

It wasn’t until the fourth Dollar L.I.T. that Matt and I began to feel like we had been imbibing alcohol for the past 40 minutes. Not a true buzz, mind you, but merely the mild sensation that one achieves after finishing the first beer of happy hour after a long day.

To be fair, we’d been diluting the effects of our alcohol intake with a decent number of calories from food. And while the L.I.T.s still tasted like watery lemonade, watery lemonade is not the worst drink that you could pair with burgers, appetizers, and chips and dip. The combination was kind of nice, to be honest.

7:49 pm

Although the effects of the alcohol were still nearly imperceptible, the sheer amount of liquid and sugar we were subjecting our bodies to was beginning to take its toll.

We were beginning to wish that the bartender had just cut us off after three drinks as I’d originally suspected that she might.

8:28 pm

After we finished our hateful eighth round, there was a brief cause for celebration, as an employee came out, grabbed the drink dispenser, and carried it away. Perhaps, we hoped optimistically, the Long Island iced tea was going to be thrown out before we were!

But 10 minutes later, the fount from which all of our misery sprang was brought back to the bar, now filled halfway to the top with the addition of a new batch.

Resigned to our fate, we noticed, much to our horror, that this fresh mix of Long Island iced tea was even sweeter than the last.

Not only did this make the drink even more offensive to our taste buds, it also implied that the A.B.V. of this cursed witches’ brew had somehow dropped even lower.

9:40 pm

“Are y’all gettin’ any buzz off of those?” the bartender asked Matt and I as we finished off our 11th Dollar L.I.T. (aka, “the Spinal Tap round”).

We confessed to some tipsiness.

“I know they’re pretty weak,” she said. She then leaned in close to share with us some covert info: “It’s, um, four bottles of, like, bottom-shelf liquor, a sweet-and-sour mix, and then tap water… for the mix.”

In other words, it was basically identical to the Applebee’s Dollarita but with cheap gin, vodka, rum and tequila, instead of just cheap tequila.

Then our bartender’s voice dropped to a whisper, as she confided in us yet another trade secret. She admitted that the staff was instructed to serve just three Dollar L.I.T.s per person, “But I know they’re mostly just water, so I take care of my people if they want more.”

I felt honored to be counted among her people but also horrified by the implication that, as a result of our good standing, we would be allowed to drink a genuinely unlimited amount of truly, truly terrible $1 Long Island iced teas.

This meant that the clock on the wall was now the only external force governing how many Dollar L.I.T.s we could consume, and after nervously consulting it, we realized that the restaurant didn’t close for another three hours.

9:52 pm

After choking down our dirty dozenth Dollar L.I.T., Matt and I rejoiced again as the rapidly dwindling bucket of swill was carried away once more, then we wept anew when it reemerged moments later reloaded and ready to continue its merciless assault on our tongues and psyches.

As we entered the Long Island iced teens with unlucky drink number 13, I took some solace in the fact that this new batch seemed to be more watery than its predecessor.

In fact, Matt and I both concurred that the third bucket of L.I.T. had recaptured that same “weak pink lemonade” flavor profile the original bucket had so memorably perfected.

What was more dispiriting, however, was the epiphany that we were also both somehow feeling less drunk than we were just two teas ago.

Certainly, all this sugar was doing something to our bodies. Although I’d embarked on this quixotic journey with the fear/intention of getting blackout drunk, it was now clear to me that I was more in danger of slipping into a diabetic coma than I was of succumbing to the perils of alcohol poisoning.

10:39 pm

The Dollar L.I.T.s were proving popular with the Applebee’s crowd at large. So much so, in fact, that the staff could hardly wash and reuse the dirty 10-ounce mugs quick enough to keep pace with demand.

This shortening supply of Long Island mugs may explain why our loyal bartender showed up with our 14th drink of the night in a 14-ounce pint glass.

She probably thought that she was doing us a favor by switching over to bigger glasses. But however well-intentioned it may have been, her largesse went largely unappreciated, as Matt and I quickly realized that the long road that lay before us had just become longer.

Simultaneously, we noticed that our throats started to feel increasingly sticky, and our bloated stomachs were straining against the confines of our belts.

10:53 pm

By the time my 15th Dollar L.I.T. arrived, I decided we needed to pick up the pace of our death march toward oblivion, so I slurped the entire thing down in eight seconds.

11:29 pm

“My throat kind of feels like there’s a spider in there or something,” Matt said, upon finishing his 17th Dollar L.I.T.

I nodded.

My throat kind of felt like that too.

11:56 pm

We stared deep into the abyss as we passively drank the stuff down; but after a few dispassionate sips, we overheard something that shook us from our trance.

The bartender turned around, cupped her hands around her mouth, and shouted, “Last call!”

Matt and I looked at each other in wide-eyed panic. We could not come this close to 20 Dollar L.I.T.s and fall short. If we didn’t make it, the five hours we’d just spent drinking watered-down Long Island iced teas at an Applebee’s would suddenly mean nothing.

We quickly motioned the bartender over.

“We’d like to do one more round after this one, if that’s possible,” I meekly requested.  

She shot a quick glance at the bucket. It was low.

“I’ll take care of you,” she promised.

12:01 am

The bartender brought our 20th and final round of Dollar L.I.T.s, and Matt and I clinked glasses, toasted our crossing the finish line, and savored our drinks while we examined the bill, which turned out to be surprisingly low.

After counting up all of the individually itemized Long Island iced teas, we realized the bartender only charged us for 26 L.I.T.s, not the 40 we’d put away.

To show our appreciation for her impeccable service — and the 14 drinks she’d comped us, either out of kindness or carelessness — we left the bartender a $35 tip on the $60 bill.

I’m not sure what to make of the fact that the largest tip that I’ve ever left was at an Applebee’s in suburban Chicago, but I guess that’s the life I’ve made for myself, and I need to come to terms with that.

12:18 am

At a quarter past midnight, Matt and I finished the last of our last drinks and called a Lyft.

Due to the combination of our high tolerance and the drinks’ low A.B.V., neither of us walked out of Applebee’s feeling particularly, well, lit. Certainly, we were a little buzzed and giddy, but I feel confident that we could have both passed a field sobriety test.

Despite averaging four Long Island iced teas per hour for the last five hours, we had failed to achieve drunkenness.

However, we had achieved something that night. Fighting against both the clock and our own better judgment we’d pushed our bodies to the limits and collectively swallowed about 3 gallons of Dollar L.I.T.

We had Applebeen to hell and back, and emerged from the experience stronger than we were before. Well, not stronger necessarily, but… sicker, I guess.

We both felt very sick.

Patrick Grieve is a tight-fisted skinflint who can typically be found scrounging around in dive bars, empty baseball stadiums and second-run movie theaters. He’s also a writer, so The Penny Hoarder just felt like a natural fit for him.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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SoFi Review

How to Boost Conversions by Tastefully Implementing Scarcity Tactics

Increasing conversion rates is essential for every business.

Even if your current numbers are satisfactory, there’s always room for improvement.

The problem I see is that too many companies are using the same old and boring strategies.

Those methods get stale fast, and they don’t entice your customers to change their behaviors.

Implementing scarcity tactics is a viable way to boost conversions, increasing sales.

The best part is you can do this without acquiring new customers.

It’s a great method for ecommerce sites to grow sales and for anyone with a website to get their visitors to take a certain action.

If you’ve never used scarcity as a marketing tactic, you need to tread carefully.

You don’t actually want to scare your customers.

This will backfire.

But the right approach can get them to act fast.

I’ll show you how to tastefully implement scarcity into your marketing campaign.

Here’s what you need to know.

Create a sense of urgency

Take a minute to put yourself in the shoes of a customer.

They have many options to choose from when they’re shopping online.

Think about all your competitors, both local and international.

It’s easy for someone visiting your website to think they can find a better deal somewhere else.

Sure, the product or service may not be exactly the same, but it’d be close enough.

In some instances, the product may be identical.

Unless it’s something they need right away, they can always find an excuse to put off the purchase.

This is partially why shopping cart abandonment rates are so high.

image1 6

This holds true on a global scale across all platforms.

Shoppers can just wait to find what they’re looking for when it goes on sale or buy it from another retailer.

That’s why you need to create a sense of urgency.

Urgency will force them to act quickly.

It will give them the impression this is the best deal available and they won’t have the same opportunity to make this purchase again.

A few ways to do this include setting a deadline, show a limited quantity remaining, or improve your value proposition for a limited time.

I’ll give you some tips on these methods in greater detail as we move forward.

We’ll even take a look at some great examples of how other companies do this so you can see how it works for yourself.

Use the fear of missing out (FOMO) to influence an impulse decision

You need to realize some people are just browsing.

They may be on your website, even adding items to their shopping carts, without any intention of actually making a purchase.

Take a look at some of the top reasons for cart abandonment:

image5 6

Two of the most common reasons involve customers who had no intention of making a purchase at the time of browsing.

FOMO can change this.

By now, the consumer has at least identified they’re interested in what you’re offering.

But what if they won’t have another chance to get it?

It’s human nature to want what we can’t have.

I found an interesting study in the Journal of Experimental Social Psychology that illustrates this.

A group of women was shown a photograph of a man.

Half of the test sample was told the man was in a relationship, while the other half was told he was single.

The results were astonishingly different.

When women thought the man was single, 59% of them expressed interest in the man.

But among those who thought the man was in a relationship, a whopping 90% expressed interest in him.

It’s the fear of missing out on something that drives desire.

Here’s a more relatable example for our purposes.

Let’s say you’re shopping for headphones.

Amazon implements this strategy as good as anyone:

image6 6

You found what you’re looking for on their website, and it’s offered at a reasonable price.

But you realize there are only 2 items left in stock.

Now what?

The fear of missing out on something can cause the consumer to make an impulse decision even if they weren’t planning on it when they started browsing.

You can use this on your website too, especially if you have an ecommerce platform.

I know what you’re thinking.

You have plenty of items in stock, so this strategy won’t work for you.

Think again.

Look, I’m not saying you should flat out lie to your customers.

But you can still use this scarcity tactic.

Do you think if those 2 pairs of headphones from Amazon are sold, there won’t be any available for purchase anymore?

I doubt it.

But the illusion of scarcity is enough to impact the buyer’s decision.

Don’t do this for every item on your site, or else it won’t have the same impact.

You can also use FOMO to elicit an impulse decision from a customer using price.

Airlines use this strategy all the time.

Take a look at this example I saw on JetBlue when I was browsing flights from Seattle to New York City:

image3 6I knew I wanted to travel on this day and leave Seattle around noon.

Although I was just browsing, I realized I had to buy the ticket now if I wanted to get the best price.

I know from experience that you don’t want to call an airline’s bluff when it comes to scarcity.

The price will actually go up after those limited quantities of tickets get sold.

If your company runs on a similar type of supply and demand, you can easily change the prices accordingly and let the site visitors know this by counting down the limited quantity.

That’s how you can turn a browser into a shopper and boost conversions.

Set a deadline when sending email promotions

We just saw how scarcity works with quantity, but it works with time as well.

Deadlines are a great way to get customers to act fast.

That’s because deadlines encompass some of the concepts we just discussed.

They create urgency and the fear of missing out.

But in this case, instead of missing out on the product itself, customers would miss out on a particular discount.

Think about this next time you’re sending a promotional email.

Say you want to offer 25% off everything on your site.

You’re sending out the campaign on December 1st.

I like your thought process so far.

Discounts in December are a great way to build hype for the holiday season.

But you set the promotion to expire on December 31st.

That’s where you lose me.

Why?

There’s no urgency.

If the customer has the whole month to take advantage of your sale, they have no incentive to act fast.

Create tighter deadlines to create scarcity.

Here’s a great example from the Macy’s website:

image8 6

It’s a one day sale.

Customers can get $10 for every $50 spent online through the end of one day and in stores through the end of two days.

That’s it. After that, the promotion is over.

It’s much more effective than running this promotion all month.

Take this strategy, and apply it in your next email.

I’m a big fan of using flash sales because they create urgency.

Let’s look at an offer Gap sent to their email subscribers:

image7 6

They take urgency and scarcity to a whole new level.

Rather than having a discount that expires after a day or two, they offer a deal that’s valid for only 3 hours.

Customers can get 30% off if they shop online between noon and 3 PM.

After that, the deal’s over.

I love this method with email because your subscribers are already familiar with your brand, products, and services.

It’s likely they’ve already made a purchase on your site.

If not, they were interested enough to provide you with their contact information, so a flash sale could end up being the factor that gets them to finally convert.

The key is knowing when to run these and how often to do it.

If you run a flash sale every day, it won’t be very effective.

Your subscribers aren’t dumb, and they will catch on fast.

They’ll know that if they wait, another flash sale will be available in a day or two.

It just gives them an excuse to keep putting their shopping off, which is the complete opposite of what you’re trying to accomplish.

Another factor to take into consideration is the timing of the flash sale email.

If you’re anything like me, sometimes you work odd hours.

Just because you’re awake and creating a flash sale email at 2 AM doesn’t mean it’s the best time to send it to your subscribers.

image2 6

Studies show the best time to send an email is in the afternoon.

Open rates tend to peak at around 3 PM.

Schedule your flash sale email delivery accordingly.

Upsell your customers with an improved value proposition

Once you’ve got the user to convert, you can upsell them before they finish checking out.

Earlier we looked at how Amazon created scarcity with a “limited quantity remaining” indicator on certain items.

As you navigate through their checkout process, you’ll see different shipping options.

Standard shipping for ecommerce products is usually 5 to 7 business days.

But Amazon gives their preferred customers 2-day free shipping with an Amazon Prime membership.

The annual cost is $100, and it comes with all sorts of other benefits.

But there are certain days of the year when Amazon offers discounted memberships:

image4 6

If you offer memberships to your best customers, you can use the same strategy.

Take a few days out of the year, and offer new prospective members a price cut for their first year of payment.

Offers such as “buy two and get the third one free” or “free shipping on orders over $50” are common forms of improved value propositions for upselling.

If you combine those offers with words like “today only,” you’ll add scarcity as well.

This will get your customers to spend more money than they originally planned.

Use push notifications to entice mobile users

If your company has a mobile app, you want to take full advantage of it.

You have the ability to send notifications directly to the user.

It’s a great chance to implement the scarcity tactic.

Take a look at how Charlotte Russe accomplishes this:

image9 5

This is similar to the email strategy we looked at earlier, but it has even greater benefits.

With email, you’ll need to worry about open rates.

But everyone who has your mobile app will see your message if they have push notifications turned on.

You can get this deal exposed to a larger audience.

You can also increase the chances of these customers spending more money on each conversion.

Look at how mobile ecommerce is trending:

image10 5

This upward trend is great news for all of you who have mobile apps.

Apply these strategies, and focus them on your mobile customers as well.

It’s a recipe for success.

Conclusion

You need to come up with some new methods of increasing conversions if you want to improve sales.

Creating scarcity is one of my favorite ways to do this.

Just make sure it’s done tastefully.

Recognize not all users visiting your website came there with the intention of making a purchase.

Some are just browsing or conducting research.

But strategically causing them to experience FOMO can drive a sale.

Show a countdown of remaining quantities under certain items.

You can do this with prices too, similarly to how airlines create urgency on their websites.

Set a tight deadline when you’re emailing promotional discounts to subscribers.

Flash sales are more effective than longer deadlines because they give people a reason to act fast.

Use scarcity to improve your upselling tactics as well.

Don’t neglect mobile users.

If you have a mobile application, send push notifications to the app users to create urgency.

Following these steps will help you boost conversions fast.

What type of discount will you email your subscribers during your next flash sale?



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‘Tis the Season: 9 DIY Stocking Stuffers You Can Make at Home

Money Can Buy Happiness. Here’s How.

“Financially independent people are happier than those in their same income/age cohort who are not financially secure.”
The Millionaire Next Door, page 46

If you want to buy happiness, the best thing you can do with that money is to use it to approach financial security, and then do that same thing consistently each time you want to buy happiness.

Why does that make a difference? Building toward financial independence is one of the few things you can do with your money that makes a lasting positive difference in almost every avenue of your life.

Most things that you can buy might provide a burst of happiness, but then it quickly fades. Even if you buy things with the strict goal of improving your life, almost all of them require you to add some additional effort to the mix – think of gym memberships or cooking equipment in this category.

There’s almost nothing you can buy (beyond covering essential needs) that will actually increase your happiness just by simply buying it except buying financial security. It’s not fun or glamorous. It just leads to lasting happiness.

So, how do you “buy” financial independence or financial security? You can’t just go to the store and find something on the shelf that says “financial security” on it, take it home, and bask in the happiness. What can you do?

It’s simple. You buy financial security when you pay off personal debt. When you send money to a credit card issuer to lower your credit card balance, you’re buying financial security and, over time, that will lead to happiness. When you make an extra mortgage payment, you’re buying a bit of financial security.

Similarly, you buy financial security when you save money for the future. When you put money aside for an emergency fund in your savings account at a local bank, you’re buying financial security. When you invest money for retirement, you’re buying financial security.

Those moves, when repeated over and over, lead to happiness. Not only do they cause a lot of the background worries about life to slowly erode, they open up a lot of opportunities that previously didn’t exist. You can retire at a normal age and not have to work a demeaning job just to keep food on the table. You can go back to school and train for a different career.

That’s happiness. That’s life changing. Knowing that things are stable, knowing that you can follow a different route if that’s what you want, that’s incredibly powerful.

Spending your money on a daily “treat” or an occasional big meaningless splurge doesn’t bring anything powerful at all. It just numbs the concerns of life for a bit, and that numbing fades.

So, why doesn’t everyone do this, then? If this is the key to happiness, why doesn’t everyone do it?

First of all, it doesn’t provide an immediate burst of joy (or at least not a strong one). The moment of buying something, and a bit of the anticipation and decision process, feels good in that moment. The decision to save money or to pay off debt often lacks that good feeling, at least in the moment.

The joy that comes from good financial moves is a long tail. Each good financial move you make is like a small increment of lasting happiness.

I like to think of it this way: whenever you use money, it’s kind of like spraying water on a hot summer day. You can spray a little bit of water on someone sprinkler-style for a quick burst of coolness, but that water dries up quickly and everyone’s back to being just as hot. Otherwise, you can put a little bit of water into an empty swimming pool. If you keep making the swimming pool choice, eventually it will fill up and everyone can go swimming in the pool and cool off together, but it takes a long time to fill that pool and meanwhile there is no quick relief.

Quite often, we’ll choose that quick burst of water from the sprinkler rather than putting a little bit in the pool, but that quick burst won’t create lasting joy.

Second, the “glass half empty” perspective is easy to buy into because the distance seems so vast. Often, the goal of being financially independent seems so far away from where you’re at that the little steps you might take are easy to write off as making no difference. When you have $80,000 in student loans and $200,000 in a mortgage and need to save $800,000 for retirement, the thought that choosing not to spend $5 on some splurge seems so small by comparison that it’s not worth it. Even worse, the sheer amount of financial ground that one feels that they have to make up can feel just utterly overwhelming.

However, looking at the glass half empty instead of half full is the wrong approach.

Rather than looking at your huge remaining student debt, remind yourself of how much you’ve paid already – and furthermore how much benefit you’ve already gotten from those loans. It’s likely that they’ve helped you get a job and, if not, they’ve helped you have some powerful experiences and grow as a person. You already have this. All you’re doing when you pay off a student loan is building upon the value that you already have.

Rather than looking at how much you should be saving for retirement, consider what you already have – Social Security benefits and whatever you’ve saved so far – and recognize that every single subsequent dollar you put into that pool will make your life just a little bit better. Skipping little forgotten treats now means something hugely meaningful down the road, like being able to afford the trip to be present at the birth of a grandchild.

Don’t obsess over what you don’t have. Look at what you do have. Don’t fret over how far there is to go. Rejoice in how far you’ve already come.

Finally, the idea of life with fewer “treats” seems unappealing. Many people buy into the perspective that in order to build financial independence, they must give up a bunch of the perks that they have in life and that their life will become barren and empty. “I don’t want to stay home every evening washing Ziploc bags and eating lentils!” they shout.

The truth is that a frugal life isn’t a barren life at all, it’s just a different life.

Rather than going out to an expensive restaurant, I’ll have a bunch of friends over for a potluck.

Rather than going shopping, I’ll go for a hike in the woods.

Rather than doing thing X that I might enjoy that costs money, I’ll instead do thing Y that I might enjoy that doesn’t cost money.

If you carry that forward, you start to ask yourself questions about every spending situation. Is this really the most worthwhile thing I could be doing with this money? What’s something that’s more worthwhile for the buck? That thinking starts to nudge you toward decisions like buying store brands or using the library rather than buying name brands or buying a DVD or a book whenever you’re bored.

If you start applying that thinking to everything, lots of money decisions begin to look different. Lots of life decisions begin to look different.

Eventually, you realize you’re not actually giving up much joy in your day to day life. Instead, you’re just finding new ways to enjoy day to day life that really aren’t any less joyful than the previous ways, but you’re also filling up that proverbial swimming pool I talked about earlier.

That swimming pool, as it fills, becomes a source of truly lasting happiness. It really is the tide that lifts your entire life.

So, the next time you wonder if you can buy happiness, the answer is yes. You buy it by being financially responsible and seeking daily choices that bring you joy without just throwing money at the problem. Over time, those choices grow into lasting contentment and happiness.

Good luck!

The post Money Can Buy Happiness. Here’s How. appeared first on The Simple Dollar.



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These Handprint Ornaments are Priceless — And Made By a Preschooler

If you have children, you know that their grandparents go gaga over anything the little cherubs have made by hand. As the mother of a toddler in daycare, I have numerous art projects in my house that I inevitably pass along to my parents or my in-laws, who proudly hang them from their fridges or on their walls.

I have absolutely no artistic talent (I’m a writer, not an artist), so when I set out to make Christmas ornaments with my daughter Rose, I knew the crafts would have to be as easy as possible.

Most Christmas trees are adorned with dozens of baubles, so that’s where I started. Your local craft store (or even the dollar store) sells plain plastic ornament balls in a variety of shapes and sizes, from traditional round ones to more elegant teardrop-shaped ones. Using these plain ornaments and some paint, you can make personalized ornaments for your family (or your own tree) with minimal fuss.

How to Make Handprint Ornaments

Prepare to Craft

The first step to any crafting project with a toddler is to protect their clothes. You might choose to go the no-clothes-just-diaper route, but I picked up a plastic art smock from my local craft store to put on over Rose’s outfit.

Next, you’ll need to grab some paint. We already had some Crayola tempera paint in our house from the time I tried (unsuccessfully) to get Rose’s footprints when she was a baby. We only had primary paint colors, so I had to take the extra step of mixing some together to make our chosen color.

I asked Rose what color paint she wanted to use, and she chose purple (which was a surprise as her usual answer to anything color-related is “pink”). I mixed together some red and blue paint and lightened it with white. The finished color wasn’t the prettiest purple, but, given my lack of art skills, was pretty decent. Rose had no complaints, so we plowed on.

Get Paint on Your Hands

I poured the purple paint into an old plastic container and made sure it coated the bottom. We placed Rose’s hand in the bottom of the container and moved it around to ensure we covered her entire palm.

At this point, I would recommend having your child make a handprint on a piece of paper to get rid of some of the excess paint. (I didn’t do this on our first attempt, and the resulting handprint on the ornament looked more like a blob than a hand.) Once you get that excess paint off, it’s time to make a handprint on the ornament itself.

Grab That Ornament

Rose is only 2½, so I had to help her position her hand on the ornament and smoosh it down well to make sure we got the entire hand. We had to make a few attempts here, but luckily we were able to wash off any mistakes with water. Altogether we made three ornaments — some were better than others, but all were unmistakably handprints.

I specifically chose clear plastic ornaments with removable tops so I could stuff some tinsel inside. This added some sparkle and made the ornaments prettier. You could also stuff them with fake snow sprinkled with glitter — the goal is to make the ornaments look less plain.

Rather than using plain wire to hang the ornaments, I used sparkly pipe cleaners in a variety of colors. You could also use ribbon if you have some already.

The final touch was to write Rose’s name and the year on the bottom of the ornaments in permanent marker; that way, our gift recipients can look back in years to come and remember how tiny her hands were when she was a toddler.

Catherine Hiles is no artist, though she does enjoy adult coloring books for stress relief. In her spare time, she enjoys writing, cooking, reading and running.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Here’s an Easy Way to Step up Your Cash-Back Game in 2018

These past few weeks, a number of statistics have revealed we spend way too much money during the holidays.

I mean, these studies didn’t state that explicitly, per se, but it was definitely  implied. After all, the average consumer is expected to spend $967.13 this year. Then there’s the fact that 22% of us will spend a whole paycheck on holiday expenses.

And these numbers aren’t solely based on gift-giving. Also consider travel, hosting duties, decorations and meals.

To help alleviate this financial stress, we’ve already rounded up the ways to make an extra $200 before Christmas. Then we’ve got this step-by-step budgeting plan.

But what we haven’t highlighted enough? One simple, passive way to earn guaranteed cash back on all your purchases all year-round: a rewards credit card.

How a Rewards Credit Card Can Save Christmas (and 2018)

Credit cards aren’t for everyone. We’ve told countless stories of folks who have buried themselves in credit card debt, resulting in years of digging themselves out.

And we get it. Credit cards are risky; they signify debt to many people. But if you use them responsibly and pay them off each month, you can reap the rewards.

The rewards are more than just points and dollars — though those are nice, too. Some cards offer price protection services, extended warranties, car-rental insurance and trip-cancellation insurance.

How to Choose the Best Rewards Credit Card

Surprisingly, this is a highly personal subject. Not in an All American Rejects “Dirty Little Secret” kind of way, but more in a way that’s truly going to depend on the individual and his or her spending habits.

The best card will depend on which stores you frequent as well as what form you want your rewards in. WIll you take cash? Gift cards? Airline miles?

With so many cards offering the “best of the best,” it’s easy to get lost.

We’ll start you off with one recommendation: the Chase Freedom Unlimited card. Its claim to fame? You’ll earn an unlimited 1.5% cash back on all your purchases. Plus, if you spend $500 in your first three months of opening the card (hi, groceries), you’ll pocket a $150 bonus.

There’s no annual fee, and the cash-back rewards don’t expire. We checked Credible’s annual rewards calculator, and it estimates $417 in annual rewards based on our spending habits.* (You can enter your unique spending habits and see what you’d earn, too.)

Now that you’ve got one option to consider, it’s time to compare other cards. You can start old-school, and comb through various online guides — like this Lifehacker one. It’ll give you a good idea of what to look for.

We suggest trying out Birch Finance, a platform that offers customized recommendations and comparisons.

Here’s how it works: You connect your current cards to the platform, and it analyzes your habits.

Spend most of your money at the grocery store? Great, let’s find a rewards card that’ll get you the best benefits for your hauls. Frequent Amazon all too much? That’s fine. There’s a card for that.

Birch will spit out the best, most optimized card suggestion for you. Then, you can pick and choose several cards and compare potential rewards. Perhaps the best part is that the fine print pasted all over these credit card sites is presented in a readable size on Birch.

If you decide to sign up for a card, I highly recommend using the platform’s budgeting sections. In a bar chart, it shows how much you’ve charged to your credit card each month. You can also click over to the calendar view to see how much you’ve spent each day of the month.

These features help put your spending in perspective — especially around the holidays when spending’s high.

And think about this: Use your rewards credit card in the new year, and by December 2018, you just might have enough to pay for next year’s holiday expenses.

(We’re trying to be positive about this whole “we’re spending way too much” thing, OK?!)

*Annual Rewards amounts will change based on the amounts you enter. The monthly spending category names and definitions may vary among issuers, and categories may not align one-to-one.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She shops with her Chase Sapphire Preferred card, which is what Birch recommended.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Mint SIM Review: Cheap Cell Phone and Data Plan at $15 Per Month

Finding an affordable cell phone plan may seem like an impossible feat. Not only do you have to figure out which plans are available in your area, but you have to determine which carriers offer the best coverage where you live – and any places you travel to frequently. From there, you have to figure out which perks you need and which you can go without. And obviously, you have to figure out what you can afford – both in terms of upfront costs and your new monthly payment.

Unfortunately, there are almost too many questions to answer. Do you need unlimited data? What about talk or text? Are you fine with signing a contract that might last a year or longer? Or, would you rather go month-to-month?

And, what about your phone? Do you have to buy a new one that fits with your new plan, or can you bring your own? And if you have to buy a new phone, will you have to fork over the big bucks for a fancy smartphone like the iPhone X?

Unfortunately, there’s no easy answer to any of this. That’s why, a lot of times, people ask their friends for recommendations and just go with the plans their buddies suggest, or leave it up to inertia and stick with whatever carrier they’ve been using for years.

If you want to save money and you’re willing to try something new, however, there are some new and exciting plans hitting the market.

Introducing Mint SIM

One such plan is called Mint SIM, and it works totally differently from other wireless plans. With Mint SIM, you purchase prepaid SIM cards that you insert into a phone you already have.

Here’s how this works: Once you select a plan, you get a SIM kit in the mail. From there, you follow the prompts to insert the SIM card and set up your new account. While the set-up goes fairly easily for most people, Mint SIM offers some pretty handy how-to videos on their website, as well as a customer service line that can provide additional help.

Mint Sim piggybacks off the T-Mobile network, which may be a good thing or a bad thing depending on where you live. While coverage tends to be great in most areas of the country, some areas in the West (namely Montana and Wyoming) have spotty coverage at best. Fortunately, Mint Sim offers a coverage map that can show you whether the plan would work well in your area – or if you should try something else. (You can also check the real-world signal strength of various carriers in your area on OpenSignal.com.)

By now, you’re probably wondering why you would bother signing up for a cell phone plan that requires you to insert your own SIM card periodically, or even every few months. The main benefit, which we’ll talk about in the next section, is cost. Compared to other cell phone carriers, it’s hard to find any plans that can compete with Mint SIM in terms of how much you’ll pay on your monthly bill.

How Much Does Mint SIM Cost?

Mint SIM plans can vary in terms of their monthly cost, but if you sign up for a three-month commitment, your initial cost is $15 per month. For that $15 monthly rate, you get:

  • Unlimited talk, text, and data delivered on T-Mobile’s 4G LTE network.
  • 2GB of 4G LTE data per month; speeds slow down after you exceed 2GB.
  • Prepaid SIM card in standard, micro, and nano sizes.
  • Smartphone Mobile HotSpot (SMHS), which allows you to turn your device into a WiFi hotspot.

Keep in mind, you can also bring your own phone as long as it’s a phone that’s set up to work with the Mint SIM system. If you’re curious whether your phone will work or not, you can enter your phone’s 15-17 digit IMEI code here.

If you want more than 2GB of super-fast data, you can also buy a plan with a bigger high-speed data allowance. For just 10 bucks more ($25 a month), for example, you can get 10 GB per month of 4G LTE.

There are other plans available, and they all require at least a three-month commitment. Mint SIM does offer a seven-day money-back guarantee on all their three-month plans, however. This way, you can try it for a week to make sure your coverage is sufficient and that you’re happy with the service.

Here’s a graphic that shows their basic plans and what they include:

Mint Sim 1

Where Mint SIM Shines

There are several reasons Mint SIM could be the ideal cell phone carrier for anyone wanting to save on their cell phone bill. For starters, it’s difficult to beat the $15 per month price point – especially when we’re talking about unlimited data, talk, and text.

Another big benefit is that, provided your phone actually works with the service, you can bring your own device. This is a huge benefit compared to other discount phone carriers who may make you purchase a new device that works with their plan.

Last but not least, Mint SIM does let you customize your cell phone plan to meet your needs. You can choose a plan with as much high-speed data as you think you’ll need, and you can choose to commit for three months or up to a year. If you find you need more high-speed data than you purchased, you can jump up another plan the next time you reload.

Last but not least, Mint SIM makes it easy to turn your device into a mobile hotspot you can use to connect to the internet on another device.

Where Mint SIM Falls Short

While this cell phone plan has some serious benefits (and opportunities for savings), it’s not perfect. One of the biggest downsides of Mint SIM is the fact that coverage is not sufficient all over the United States. Mint SIM operates on the T-Mobile network, which is fairly broad, but there are some big gaps that you should be aware of before you sign up.

Mint Sim 2

Not only that, but not everyone wants to deal with putting a new SIM card in their phone all the time. While the process isn’t difficult, it’s a step not everyone will be willing to make, and you don’t want to be stuck having to switch SIM cards the moment you’re expecting an important call.

Lastly, Mint SIM does require at least a three-month commitment. In a world where most discount phone carriers offer month-to-month service, this is a difference that should be noted. On the flip side, it’s not a two-year contract, and Mint SIM does offer a seven-day worry-free guarantee on three-month plans.

Who Mint SIM is Best For:

  • Someone who lives in an area with excellent coverage: Since Mint SIM offers spotty coverage in states like Wyoming, Montana, and Iowa, this plan is best for someone who lives and spends most of their time in an area well served by T-Mobile’s network.
  • People who don’t travel the country a lot: If you’re someone who’s constantly traveling the country and needs reliable coverage on-the-go, Mint SIM may not be ideal for you. It would be a shame to travel out west and find out your phone isn’t working – or at least not working well.
  • People who want to pay as little as possible: It’s difficult enough to find carriers who offer cell phone coverage for less than $15 per month, but it’s downright impossible to find a plan with unlimited data, text, and talk for the amount per month.

Who Should Skip Mint SIM:

  • Anyone who needs excellent coverage nationwide: If you need excellent coverage nationwide, this plan isn’t for you. Also keep in mind that Mint SIM doesn’t work overseas.
  • Someone who needs unlimited high-speed data: If you need large amounts of high speed data, you may be better off paying more for a plan with more generous high-speed data limits.
  • People who don’t want to deal with SIM cards: If you’re stressed over the idea of inserting a new SIM card or setting up new phone service, this plan may not be ideal. Keep in mind, however, that Mint SIM offers instructional videos that can walk you through the process.

The Bottom Line

If you’re looking for a low-cost cell phone plan and live in an area with T-Mobile coverage, Mint SIM is a smart plan to consider. You can get unlimited data, text, and talk for as little as $15 per month with Mint SIM, and you can even bring your own phone.

On the flip side, this carrier isn’t perfect for everyone. Coverage isn’t offered nationwide, for example, even though it’s pretty broad. And if you don’t have a cell phone that qualifies for the plan, you may have to buy a new one. That’s why, at the very least, you should make sure you have broad coverage in your area and that you can take your phone to Mint SIM before you make the switch.

If you do, and everything goes as planned, it’s possible to get cell phone and data service for $15 per month. And that’s pretty sweet.

Holly Johnson is an award-winning personal finance writer and the author of Zero Down Your Debt. Johnson shares her obsession with frugality, budgeting, and travel at ClubThrifty.com.

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Have you heard of Mint SIM or tried it? Please share in the comments below.

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