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الجمعة، 13 أبريل 2018

Love Hanging Out on Your Couch and Writing Code? This Job’s for You


Can you speak the language of the internet? Y’know — Java, Ruby, SQL.

No doubt the demand for computer programmers will continue to grow, so that means more and more people need to learn how to speak the digital language. Are you already fluent? Then you’ve come to the right place.

Codecademy, an online education platform specializing in teaching computer programming skills, is looking  to fill remote, part-time coaching positions — an Advisor and a Project Reviewer.

As an Advisor, your role will be to teach various coding skills to those enrolled in the online program.

As a Project Reviewer, your main responsibility will be to assess projects submitted by students and promptly provide clear feedback.

Both jobs require anywhere between 10 to 30 hours a week, including weekends. You must be over the age of 18 and live in one of these states:  California, Florida, Georgia, Illinois, Maryland, Massachusetts, Michigan, New Jersey, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington.  

If coding isn’t one of your primary skills, or you don’t live in one of the states eligible for employment, check out our Jobs page on Facebook. We post new opportunities there all the time.

1. Advisor at Codecademy

Responsibilities include:

  • Defining student goals
  • Reviewing coding topics 1:1
  • Helping students find additional learning resources
  • Helping students debug code and pass challenging exercises
  • Motivating and encouraging students
  • Assisting other advisors with supporting and tracking student progress

Applicants for this position must:

  • Have a passion for programming, technology and teaching
  • Be comfortable in a fast-paced and ever-changing work environment
  • Have strong written and verbal communication skills to explain concepts
  • Have a CS background or demonstrated proficiency with most of the core skills we teach
  • Familiarity with the Codecademy platform is strongly recommended

Apply here for the Advisor position at Codecademy.

2. Project Reviewer at Codecademy

Responsibilities include one or more of the following:

  • Acting as an advisor by providing on-demand instruction to learners via 1:1 chat sessions
  • Monitoring Slack channels to coordinate peer-to-peer conversation and answer technical questions
  • Serving as a mentor by providing personalized support to learners in the Pro Intensive program with live 1:1 video sessions, pair programming and recorded video seminars
  • Assisting team throughout screening process to identify new talent via resume screening, evaluating written tests and leading final state (simulated chat) test

Applicants for this position must:

  • Have a  passion about programming, technology and teaching
  • Be comfortable in a fast-paced and ever-changing work environment
  • Have strong written and verbal communication skills to explain concepts
  • Have CS background or demonstrated proficiency with most of the core skills we teach
  • Familiarity with the Codecademy platform is strongly recommended

Apply here for the Project Reviewer position at Codecademy.

Matt Reinstetle 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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Free-Spirit Wordsmiths: Here’s a Remote Copywriting and Editing Job for You


Are you in the market for a full-time job, but thinking you would rather avoid the daily commute and cubicle life?

Then you’re in luck, because WebPageFX, an internet marketing and SEO company, is looking for a full-time, remote copywriter and editor to join its award-winning team.

This is a work-from-home, independent contractor position that requires a 40-hour work week, but you can do it from wherever you like, as long as you’ve got a good internet connection.

You might be a total homebody with a deep connection to your couch, or maybe you’d rather spend your days working from your favorite local coffee shop. Whatever the case, this job gives you the freedom to choose.

Oh, and did we mention it pays up to $18 an hour?

On top of the hourly pay, contractors are also eligible to earn performance-based bonuses of up to $1,000 per year.

And if that’s not enough to snag your interest, the company also doles out monthly stipends that the contractors can use as they see fit to better improve work-from-home life. Some examples are personal healthcare, internet costs and home office equipment.

WebPageFX encourages applicants from all backgrounds to apply, as long as you’ve got some relatable experience, stellar communication skills and the ability to get your work done independently.

If copywriting isn’t your thing or you’re not interested in a full-time gig, no worries. You can find more work-from-home opportunities on our Jobs page on Facebook.

Remote Copywriter/Editor at WebPageFX

Pay: $15-$18 per hour

Responsibilities include:

  • Writing and editing multiple types of content, from blog posts to sales copy
  • Working with a variety of publishers on the web and in the media, ranging from entertainment and lifestyle to industry-specific assignments

Applicants for this position must have:

  • Excellent communication skills
  • A flexible schedule with the ability to work 40 hours per week
  • A reliable laptop with high-speed internet access

Benefits include:

  • Paid holidays
  • A monthly stipend that can be put towards remote work expenses
  • Opportunity for performance-based bonuses

Apply here for the remote copywriter/ editor job at WebPageFX.

Kaitlyn Blount is a junior 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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$215 CrossFit Subscription Box Is Great if You Want to PR Your Meat Lifts


The first two words in CrossFit’s Manifesto are: “Eat meat.”

Which is weird because I really thought they were: “Do burpees.”

Now, CrossFit is further embracing the meat sweats by entering the world of subscription boxes.

The CrossFit Box — pun surely intended — is a $215 box of raw meat from Strauss Brands’ Free Raised Direct that you can get delivered to your door every month.

If you’d rather not sit on the couch and wait for your meat to arrive, Strauss will be stocking CrossFit-approved meat in select grocery stores across the U.S. later this year.

The United Steaks of CrossFit: What You Get for $215

CrossFitters are known to clean meat shelves and wrap perfectly good vegetables in bacon — all in the name of being “paleo.”

Paleo purists claim that not only should you deadlift your weight in meat but it should also be grass-fed because if we can’t have grains, neither should the cows!

Here’s what the CrossFit Subscription Box includes:

  • Five packages of 6-ounce cage-free chicken breasts (10 pieces total)
  • 3 pounds of grass-fed ground beef
  • Four 5-ounce grass-fed tenderloin filets
  • Four 10-ounce grass-fed ribeye steaks
  • Four 10-ounce grass-fed strip steaks
  • Two 6-ounce grass-fed sirloin steaks
  • One package of grass-fed beef sticks

By the end of this box, you’ll gain over 14 pounds of animal carcass and about 1,500 grams of meaty protein. And you’ll pay just over 14 cents a gram for it.

PR Your Protein Snatch

While a physically active lifestyle definitely requires more protein, do you really need 50 grams every day? And can you pull up a cheaper price for it?

Sorry vegans: The Harvard Health Blog says you do need 50 grams of protein a day.

More specifically, a 50-year-old sedentary woman needs 53 grams per day. Athletes need even more.

And it turns out that if you are serious about eating lots of grass-fed organic meat, the CrossFit Box might be a good deal.

I found the Whole Foods equivalents of all these meats — subbing out jerky for beef sticks — and at the time of this writing, re-creating the box would cost $221. That’s without delivery and assuming your location carries all these cuts.

But don’t strict-press two Benjamins just yet.

The Harvard article also says “eat more protein” shouldn’t translate to “eat more meat.” People should include “sources low in saturated fat and processed carbohydrates and rich in many nutrients.”

Luckily, those sources are cheaper than fancy-schmancy beef.

A half-pound of ground turkey will get you 62 grams of protein. Three eggs, a single cup of edamame or lentils clock in at 18 grams each. And four tablespoons of natural peanut butter will get you 16 grams.

Plus, if you’re a paleo enthusiast but aren’t back-squatting $215, check out our tips for eating paleo on a budget, muscle up these low-cost paleo recipes, and nom on some of our favorite budget-friendly paleo snacks.

Jen Smith is a junior writer at The Penny Hoarder and pescatarian CrossFitter. She gives tips for saving money and paying off debt on Instagram at @savingwithspunk.

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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Enter This College Scholarship Contest to Help Snuff Out Smoking on Campus


Exposure to secondhand smoke is a big deal. It can trigger asthma and cause serious illnesses like heart disease and cancer.

Smoking is banned in most public spaces in the U.S., but it’s still permitted on more than 3,200 colleges across the country.

Social-change organization DoSomething.org wants to, well, do something about that.

The organization is awarding a $2,500 scholarship to one lucky winner who joins the initiative to stamp out smoking on college campuses.

The application process couldn’t be easier. There are no forms to fill out or essays to write.

Just take a photo of a college where smoking is permitted or snap a picture with its mascot and you could snag $2,500 to help pay your college bills.

The #SaveTheMascots Scholarship Contest

Here’s how to enter to win $2,500 from DoSomething.org.

Scholarship amount: $2,500

To qualify for this scholarship, an applicant must be:

  • 25 years old or younger
  • A resident of the U.S. or Canada (or a citizen of either country living abroad)

To apply, applicants must:

  1. Create a free online account at DoSomething.org
  2. Take a picture of a local college that isn’t tobacco-free or photograph yourself with its school mascot
  3. Follow instructions you receive from DoSomething.org when you register about how to post your photo on social media.
  4. Submit the photo to DoSomething for a chance to win the scholarship.

Scholarship deadline: April 30, 2018

You can read the rest of the official rules and guidelines here.

If you’re looking for even more scholarships to apply for, be sure to check out our list of 100 scholarships that will help you pay for college.

Lisa McGreevy 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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There’s No Cost to Enter, and You Could Win a Cool $1,000 for College


Paying for college is an overwhelming and often frustrating thing to think about.

Whether you’re a student who has resigned yourself to a mountain of student loan debt, a parent who’s trying to scrape every penny together to help your kid pay for school or a guidance counselor or financial-aid professional who just needs more resources to help the students and parents you work with, Sallie Mae wants to help you make planning for college less scary.

Sallie Mae is the bank behind a lot of private student loans in the United States, but its website is full of helpful tools and resources that can help people understand their financial options and make a plan for paying for college.

To encourage people to sign up to access these tools and resources, Sallie Mae hosts a monthly $1,000 scholarship sweepstakes.

This means you can only enter once, by creating a user account on Sallie Mae’s scholarship search portal. But even if you don’t win the sweepstakes, you still sort of win (in a different way). Once you have an account, you can search for other scholarships and browse content and use tools that will help you make a financial plan for college.

(And if you’re looking for even more scholarship opportunities that can help you pay for school, be sure to like our college page on Facebook. We post awesome new scholarship opportunities there whenever we find them!)

Enter to Win a $1,000 Sweepstakes from Sallie Mae

Here’s how to enter to win $1,000 in Sallie Mae’s College Planning sweepstakes drawing.

Amount awarded: $1,000

Number of prizes awarded: One per monthly drawing

To qualify for this prize, an entrant must:

  • Be a legal resident of the United States
  • Be of the age of majority in their state of residence
  • Be a student, parent, guidance counselor or financial aid officer at the time of entry

To enter, applicants must:

  • Fill out the entry form located here.
  • Check the box at the bottom of the entry form that says “Enter me in the Sallie Mae $1,000 monthly sweepstakes.”

Deadline: Monthly

A winner will be drawn on the first day of each month from the pool of applicants who have entered since the previous drawing.

You can read the rest of the official rules and guidelines here.

If you’re looking for even more scholarships to apply for, be sure to check out our list of 100 scholarships that will help you pay for college.

Grace Schweizer is a junior 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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These 5 States Will Lose the Most Jobs if China Imposes Threatened Tariffs


As the U.S. and China trade tariff threats, one thing is certain: Washington, D.C., will likely feel the smallest effects of Chinese tariffs on products we make.

Washington state, however, isn’t so lucky.

The northwestern state is particularly vulnerable to potential taxes on aerospace parts the U.S. ships to China, according to a new report from the Brookings Institution. In total, roughly 150,000 jobs in Washington are within industries threatened by potential tariffs — that’s compared to 216 in D.C.

And other Midwest states, such as Nebraska and Indiana, are vulnerable as well.

“Trade diplomacy can often seem an international and faraway activity,” the report states. “However, when it comes down to specific lists of proposed tariffs on particular products that Americans produce, from ginseng to airplanes, the high-level posturing of Washington and Beijing suddenly gets more real.”

About These Chinese Tariffs … Wait … What the Heck Is a Tariff?

So you may be wondering: What the heck is a tariff? We’ll do our best to explain:

At its core, a tariff is a tax. A tax that countries tack on goods they import from or export to other countries, thereby causing the price of goods coming from that country to rise. At least it’s supposed to do that.

Countries most often impose tariffs for two primary reasons: to protect companies that produce the same product as another country or to retaliate for what they deem unfair trade practices (for example, selling a bunch of steel for super cheap to undercut foreign producers).

So a Chinese tariff on something like soybeans, for instance, makes it harder for U.S. soybean producers to compete with Chinese soybean firms. That could ultimately lead to layoffs in the American soybean industry.

Of course, this is all just speculation for now, since China hasn’t officially launched the new tariffs. But if you live in a state with industries that could be affected, you should definitely keep an eye on this policy situation.

Chinese Tariffs Could Have the Largest Effect on These States

The Brookings Institution looked at the 40 U.S. industries responsible for producing the 234 products China has threatened to slap tariffs on. By determining which states had the highest concentrations of jobs in these sectors, we can see the areas of the country that are most vulnerable to the proposed Chinese tariffs.

The most at-risk industries include aircraft manufacturing, plastics manufacturing and fruit and nut tree farming, among others.

“Our top line estimates suggest while the total number of jobs potentially disrupted by an all-out trade war remains modest, the count encompasses a diverse and shrewdly chosen ‘hit list’ of hallmark American industries — one that appears well-calculated to scare both red and blue America,” the report states.

Here are the five states most exposed if China follows through with its proposed tariffs:

1. Washington

% of Jobs at Risk: 4.5%

Total Jobs at Risk: 153,731

2. Kansas

% of Jobs at Risk: 3.5%

Total Jobs at Risk: 48,516

3. Nebraska

% of Jobs at Risk: 3.2%

Total Jobs at Risk: 30,556

4. Indiana

% of Jobs at Risk: 3%

Total Jobs at Risk: 89,441

5. Kentucky

% of Jobs at Risk: 2.7%

Total Jobs at Risk: 50,686

Again, China  has only proposed tariffs so far, but as you can see, they could affect a wide swath of the U.S.

Alex Mahadevan is a data journalist at The Penny Hoarder. It took him every ounce of strength to avoid using the phrase “tariff-ic” in this article.

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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New Uber Services to Include Electric Bikes, Car Rentals, Public Transport


Uber is moving beyond being a ride-hailing platform, and that’s good news for everyone wanting to do away with car ownership.

Earlier this week, Uber CEO Dara Khosrowshahi announced bike sharing, car rentals and the ability to pay public-transportation fares will be available through the Uber app in select locations.

“Having a greater variety of transportation modes at your fingertips helps make it increasingly easy to live without a car,” Khosrowshahi wrote in a company news release.

Uber has acquired JUMP Bikes, an electric bike-sharing company. Uber Bike By JUMP was initially piloted in San Francisco earlier this year. Now, the service is expanding to Washington, D.C.

Riders use the app to locate a bike nearby, unlock it using a code and then lock it up when they’re finished with it. The bikes don’t have to be returned to a specific docking station. JUMP Bikes’ website states bikes can be rented for $2 for 30 minutes.

For those who need more than a bike to get where they’re going — and also need more than Uber’s current single-trip service — the company will give users the option to rent vehicles.

Instead of modeling after a traditional service like Hertz or Enterprise, Uber is partnering up with Getaround, a peer-to-peer car-sharing service. This means renters will borrow cars from vehicle owners in their area — either at an hourly or daily rate.

Getaround’s website advertises rental rates starting at $5 an hour and claims the average vehicle owner makes $6,000 a year by renting out his or her car.

Khosrowshahi said the car-rental service will kick off in San Francisco later this month.

Uber has even figured out a way to connect to public transit riders. Khosrowshahi said the company is partnering with Masabi, an online platform where people can purchase public-transit tickets.

No more fumbling with loose change or a MetroCard. Users will be able to pay for public-transit trips using the Uber app, though the company didn’t specify where or when this feature would roll out.

The Verge reports Masabi’s ticketing technology is currently being used by several public transit systems, including the Metropolitan Transportation Authority in New York and Metrolink in Los Angeles.

The Washington Post reports the partnership with Masabi also will let users in select cities view transit maps and schedule information within the Uber app.

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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Cryptocurrencies: The Creation of AI, Aliens or Even the Antichrist?

Cryptocurrencies are likely here to stay. But who's really behind their creation and should we trust this new form of digital cash?

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Cryptocurrencies: The Creation of AI, Aliens or Even the Antichrist?

Cryptocurrencies are likely here to stay. But who's really behind their creation and should we trust this new form of digital cash?

Source Business & Money | HowStuffWorks https://ift.tt/2HldnbS

Stop Losing Sales with These 8 Persuasive Web Design Principles

How do you convince a person to do something?

When you’re having a face-to-face conversation with someone, you know how to persuade them. But you don’t have the same luxury of conversation when you’re dealing with visitors to your website.

Fortunately, you can utilize online persuasive tactics to close sales and improve your conversion rates.

Many of these factors have to do with the design of your website. The way your current website is designed could be the reason why you’re losing sales.

Some of your design choices may actually be putting off visitors and hurting your conversions. Obviously, you’re not doing it intentionally. But either way, you’ll need to address these mistakes and make the necessary changes.

Since you can’t actually talk to people who are visiting your website, you need to show them why they should do something.

That’s why I created this guide. I want to show you the top persuasive web design principles that will lead to conversions.

1. Emphasize clarity

What’s the purpose of your website?

It should be clear and obvious to anyone visiting your website from the moment they land there. They should be able to tell what you do and what you’re offering, even if they’ve never heard of your company.

Here’s a great example of clarity from the Square website:

image4 7

You can figure out exactly what this company does. They use phrases such as “start selling fast” and “accept credit cards anywhere” to help visitors understand what they’re offering.

Even better, they’ve got a clear picture of their product. The hand that’s holding the device is used to show how small it is, which is a huge selling point.

Pictures are a great way to clarify your message on your website. We’ll talk about how to use visuals in greater detail shortly.

Analyze your website. Obviously, you know what your company offers, but is it clear to others?

Put yourself in the shoes of somebody who has no prior knowledge of your brand, services, or products. If they can’t identify what you’re offering on your website, you need to improve the clarity of your message.

Don’t use any ambiguous terms. Get right to the point.

I know I’ve been saying how important this is for new visitors, but it’s just as important for your existing customers.

It should be very easy for people to find what they want on your website:

image9 1

As you can see from the data, 76% of those surveyed feel that being able to find what they’re looking for is the most important factor in the design of a website.

Take some time to remove anything from your website that doesn’t add to the clarity of your message. Now it will be much easier for you to persuade visitors to buy something.

2. Use visuals

It’s easier for people to understand an image than to read text. Obviously, you’ll need to have some words on the screen, but you can let pictures do the talking for you.

Recall the earlier example of Square. The words on the screen told visitors if they buy the gadget, they can accept credit payments anywhere and get paid fast, but how can they do it?

Well, the picture was very clear. There’s a small device that can be held with your fingertips and that plugs into mobile devices.

Explaining your product isn’t the same as showing it.

Here’s something else to take into consideration. First impressions matter. You’ve probably heard it your entire life. But have you applied it to your website?

What’s the first impression people get when they land on your homepage?

A clear picture can help focus their attention and ultimately make the page more visually appealing. Too much text without any photos will crush your sales.

Take a look at this case study from Highrise:

image3 7

Highrise offers CRM software. Their original website had some images, but there was no clear point of focus. It was cluttered, and a visitor could easily get lost on the page, eventually leaving without converting.

Highrise redesigned their website and included a picture of a person.

What does this person have to do with their software? Nothing. But they still saw their conversion rates increase by more than 100%. Largely, it’s because the new design was much cleaner.

Using a picture that takes up most of the page forces you to choose your words carefully, which means the words on the screen are much more impactful.

Make sure your page has a simple, clear layout, featuring at least one image as the focal point.

3. Prioritize the most important elements

As I just said, you need to have images on your website. But what if you have multiple images? Your website needs to have a visual hierarchy.

Visuals get attention, so you’ll need to make it clear which images are more important. Here are some of the best ways to do this.

First, the size of an image should clearly communicate how important it is. Simply put, the bigger the image, the greater its importance. If you have an ecommerce website, your top selling items should be the biggest on the screen.

You could also draw attention to elements on your website based on their position. Let’s say you’re running a new promotion you want everyone who visits your site to see.

Don’t bury it in small letters on the sidebar or in tiny print at the footer of the page. Make it big, bold, and clear in the middle of your page.

Something that’s written in huge letters across the top of the screen is obviously more important than a small icon in the corner.

Let’s review the Sony website:

image5 7

There’s a lot going on here. Clearly, this design utilizes lots of visuals.

But it’s clear which elements are the most important, according to the visual hierarchy principle. As you can see, I’ve ranked them first through sixth.

That’s how your eyes will move from one element to another, based on the size, placement, and color of these images.

Look at your website, and decide what the most important element is. If it’s not the biggest and clearest element on the page, you’re not effectively using this persuasion tactic.

4. Use common language

As I said earlier, you’ll need to use a combination of both images and text to create a persuasive website.

The way you use this text will have an impact on sales and conversions. You need to make sure everyone reading your website understands what you’re saying.

Use short words and phrases to get your message across. Bullet points are great too because while they highlight your most important sales points, they also make it easy for people to scan the information.

You want to avoid large blocks of text. Nobody will read that.

Don’t use industry slang or terms people can’t understand. For some of you, this will be easy. But for those of you who are in industries like manufacturing or technology, it could be a challenge.

I’ve got a trick to help you determine whether or not you’re using common terminology. Do you have a son, daughter, niece, nephew, cousin, or younger sibling who is in elementary school?

Have them read your website. If there are words on the screen that a 5th-grader can’t understand, get rid of them. Don’t try to sound like a doctor or a lawyer, even if you are one.

If people can’t understand you, they won’t buy what you’re selling.

5. Use colors to improve conversions

Different color schemes can impact sales on your site.

It comes down to psychology. Our minds have certain associations with colors based on how they are used in our daily lives.

For example, green is associated with go, and red is associated with stop. It makes sense to test a green CTA button.

Here’s another example. What color is Valentine’s Day? Obviously, days can’t be a color. But I know that didn’t stop you from thinking about red and pink.

Know your customers. Are they male or female? What part of the world are they from?

These questions will help you come up with a color scheme that drives sales.

Here are some colors that men and women like and dislike the most:

image2 7

Figure out what emotions you want your customers to have when they’re visiting your website.

Once you come up with the answer, you can appropriately change your color schemes to influence people’s actions.

6. Limit choices

How many products is your company selling?

Some of you might have an extremely limited product line of just a few times. But those of you selling hundreds or potentially even thousands of items on your website need to pay close attention to this section.

Yes, I’m sure all your products are great. But that doesn’t mean you should try to cram 100 products onto your home screen.

Be selective. Understand the paradox of choice. It’s a simple concept. The more choices someone has, the lower the chances of them making any choice at all:

image1 7

My recommendation would be to focus on your products that sell the most and have the highest conversion rates and the largest profit margins.

Put these on your website as the focal point. Let your other items be found through a search feature or something like that.

You could potentially even eliminate some items from your product line to make choosing easier.

If people have too many choices, they are also more likely to have buyer’s remorse. They’ll constantly think about an option they could have bought instead, which gives them a bad feeling.

As a result, they could have a negative association with your company as a whole.

The best way for you to be persuasive is by offering fewer choices.

7. Use only one CTA on each screen

This piggybacks on my last point.

I see too many websites try to add multiple call-to-action buttons all over each screen in an effort to get multiple conversions. But instead, they’re missing out on sales.

Too many CTAs will confuse the visitor. Giving them too many choices won’t lead to conversions.

I understand you may be trying to accomplish many different goals on your website. But don’t overwhelm your visitors.

When you want to drive sales, your CTA should mirror your goals.

Have all the other elements on your page leading toward one CTA.

8. Implement patterns

People get used to patterns.

When you implement patterns on your website, the visitor will know what to expect as they continue.

One of the best examples of this in terms of persuasive web design is the scrolling feature. As the visitor scrolls down the page, they see more information.

Here’s what this pattern looks like on the Apple’s website:

image8 4

This is one of the first screens you see when you start scrolling on their website to learn more about Apple Pay.

There is a heading with some text on the left side of the screen and an image on the right side of the screen. As you continue to scroll, this is the next image you see:

image7 6

It’s similar, but not exactly the same.

Instead, the image has flipped to the left side of the screen, while the heading and text have moved to the right.

If the pattern is to continue, what do you expect to see on the page as you scroll down even further?

image6 7

Exactly. The image is back on the right and the text is on the left.

It’s a very simple pattern, but it’s effective. People have a greater chance of retaining this information if it’s presented this way.

Imagine if they tried to cram all three pictures and all of the text onto one screen. It would be a cluttered mess.

The pattern they used creates a clean design and simple navigation. Visitors don’t have to click on anything or navigate to a new landing page. All they need to do is continue scrolling.

This persuasive tactic helps focus the attention of your website visitors. Websites with simple designs have higher conversion rates.

If a company as successful as Apple is using this strategy, I think it’s safe to say you can follow their lead.

Conclusion

You might be a persuasive speaker, but that won’t help you create sales on your website.

Instead, you need to implement persuasive design principles to convince visitors to buy whatever you’re selling.

It starts with clarity. Make it extremely obvious to everyone what you’re offering.

Add visuals, and prioritize the most important elements on your page according to the visual hierarchy rules.

You’ll need to use text as well. But make sure you’re speaking in terms everyone can understand.

Create a color scheme that speaks to your audience. Limit choices, and create patterns.

Stick to one CTA per page.

Follow these persuasive web design tips if you want to improve your sales.

What persuasive design elements have you implemented on your website?



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The Big Spending List

Since the very beginning of The Simple Dollar, I’ve talked about what I consider be the fundamental rule of personal finance: spend less than you earn and do something financially sensible with the difference. If you can do that over every pay period, every month, and every year of your life, no financial hurdle will be too difficult to cross.

How do you do that, though? It’s easy to say, but much harder to implement, especially when you’re turning your attention to personal finance for the first time.

One of my favorite eye opening and useful strategies for migrating to a natural pattern of spending less than you earn is to keep track of every dollar you spend and review the spending regularly.

Why do this? There are three big reasons for it.

First of all, many people lose track of how much they spend on little expenses throughout their days. They wonder where “all of the money went,” and the truth is that it usually goes away to a flood of little forgotten expenses or inflated grocery or department store trips. Most of those things are just completely forgotten within a week or so (or sometimes even faster), leaving people wondering where the cash went.

Second, most people have no idea how much money they spend on a particular type of item, and seeing that is usually a shock to the system. A person who gets a morning coffee at a drive-thru each morning might just think of it as a “few” $5 stops, but when they step back and look at it over the course of a month, they’ve spent hundreds of dollars on that morning coffee. I’ve done that very thing myself with other expenses, such as Kindle books. I thought I was keeping track of them and I thought I was spending less per month than I was, so reviewing the actual total was a pretty big shock.

Third, those realizations often lead to some real financial changes. When people go through the process of really reviewing their spending and then deal with the surprises that the review reveals to them, they’re usually ready to make some common-sense financial changes in their life, ones that simply cut away a healthy amount of excess spending and change a few simple routines without making life “miserable” in the least.

So, how do you embark on this little journey?

The first thing you need to do is to get out all of your bank statements, credit card statements, and receipts for the last couple of months, everything you can find. The bank and credit card statements are the most important ones, but grocery and department store receipts are pretty useful, too.

I find it’s also a good idea to have a bunch of different colored pens or highlighters, as this helps a lot with the review process.

Now, start going through those statements and receipts, and for each and every item, ask yourself these questions:

Was this a good decision? Looking back, was this really a good use of your money? It’s really okay to say “no” here. In fact, the absolute best policy is complete honesty with yourself. If a purchase wasn’t good but you’re ashamed of the choice, don’t falsely say that it was a good choice just to “save face.” Be honest with yourself.

Did I get real lasting value from spending that money? In other words, whatever you spent that money on, did you get any real lasting value from it? Is it something that’s still resonating as a positive thing in your life right now? Or was it a momentary thing that faded almost immediately after buying it? Things that fade away quickly and have no impact on your life just a few weeks later are things that probably aren’t worth your money. It is worth noting here that there are items that are worthwhile purchases if you go for the most basic version, but when you buy a premium version, you’re not getting any extra lasting value out of the extra expense.

Could I get the same value by spending less or spending nothing? In other words, could I buy a lesser version of this and still be happy? Could I skip this purchase entirely and still be happy? Could I borrow this item instead of buying it and still be happy?

Is there a way I could reduce or eliminate this expense without reducing any real quality of living? The questions from the previous step will often lead you to some action you could take that will reduce your spending on that particular item going forward without an equivalent loss in life quality. Make a list of all of those changes. Write down every single one. This is going to become a to-do list of specific financial changes you can make that are geared to your life.

Your “to do” list from this project is invaluable. Make it a key part of your routine going forward to take care of as many things on that “to do list” as possible. Some of them will be specific actions, like one time things you can do to cut your energy bill. Others will be behavior changes, like making your own coffee each morning instead of hitting the coffee shop. Make that to do list a big priority in your life.

As you’re going through this, I highly recommend highlighting each different type of expense, particularly the repeated ones. If you find yourself seeing the same type of expense popping up again and again – things like coffee shop visits, Amazon purchases, and so on – highlight them with a specific color and then make a monthly total of all of those purchases. That monthly total is often shocking, particularly when it covers a type of small repeated purchase that you often forget about. That total itself can often trigger a new addition to your to-do list.

As I said, at the end of all of this, you should have generated a nice little list of things to do and changes to make based on what you discovered. Spend some time taking action on this list. Try to adopt some of the habit changes you identified, and make sure to take care of some of the distinct actions you identified. Maybe you need to change your routine of eating out for lunch every day. Maybe you need to switch your light bulbs at home to more energy efficient models. Maybe you need to call your cell phone company and negotiate a little. Maybe you need to start buying store brands at the grocery store.

That list is a personalized frugality checklist, made just for you, that’s a perfect reflection of how you spend money, which means that it should be incredibly effective.

Here’s the thing: you probably won’t be able to pull off everything on that list. There will be some things that are just miserable to do, like changing a pattern you really care about. There will be some things that you just put off until you never do them.

And that’s okay.

What matters is that you do some of them, that you pick the low hanging fruit on your frugality tree. Take care of the things that are easy and you’re going to get a huge return for the small amount of time, energy, and discomfort you put into it.

If you do that, take the money you’re saving and do something smart with it. Don’t give yourself the chance to spend it foolishly elsewhere. Start making a retirement contribution with it, or use it to start paying down debt, or use it to build an emergency fund.

This is such an easy first step on the path to improving your financial state. Just get out your bank and credit card statements and receipts and start going through the items on there, one by one. Figure out how to fix anything that looks like a pattern or a problem, and make a list of those fixes. Do as many of them as you can – don’t sweat the ones that are overly difficult or miserable, and stick with the changes that don’t have a big negative impact on your life. That’s it – that’s the start of the path to real, lasting financial change.

It all starts with a big list of your spending, and ends with doing something meaningful about it.

Good luck!

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Here’s a Ridiculously Easy Way to Save $60/Year on Spotify Premium and Hulu


Let’s face it: Two is better than one.

No, we’re not talking about Batman and Robin, but this is kind of like that.

Your favorite streaming services, Spotify and Hulu, announced they are combining magical streaming forces for a super bundle.

Don’t you just love it when life gets a little easier and cheaper?

How Does the Spotify Premium and Hulu Bundle Work?

The new bundle, called Spotify Premium, now with Hulu,” touts two subscriptions and a single bill for $12.99 a month.

Separately, Spotify Premium is $9.99 monthly, and Hulu’s video-on-demand service is $7.99 monthly. That totals $17.98, making the bundle subscription $4.99 cheaper a month — that’s $60 a year in savings.

Current Spotify Premium subscribers can sign up for the bundle promotion now, while new subscribers will have to wait until the summer to sign up.

The promotion includes an automatic three-month trial of the Hulu Limited Commercials plan for only 99 cents, just in case current Spotify Premium users aren’t ready to commit to Hulu’s 75,000-deep catalog of TV shows and movies yet.

After three months, the price will be $12.99 for both plans.  

Merrily, merrily, merrily, merrily — life is but a stream.

Stephanie Bolling is a staff writer at The Penny Hoarder. She’s a Google Play kind of gal.

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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This 300-Word Essay Could Be Your Ticket to a $1,000 College Scholarship


Good scholarship opportunities can be hard to find.

So when one does pop up, we like to bring it to your attention right here, right now, regardless of how far out the application deadline and subsequent winner announcement may be.

I mean, you could spend the next several months polishing and re-polishing your entrance essay, but in my humble opinion, it would actually be way more gratifying to apply for a scholarship months in advance and then forget about it, only to wake up one morning to an email saying, “You just won $1,000!”

Right?

Right.

So here’s one with a pretty far-off deadline — but a pretty sweet prize.

(And if you’re looking for more scholarship opportunities that can help you pay for school, be sure to like our college page on Facebook. We post awesome new scholarship opportunities there whenever we find them!)

Win a $1,000 Scholarship from ServiceScape

ServiceScape helps people find freelance editors, writers, graphic designers and translators for various projects. Here’s how to enter to win a $1,000 scholarship from the company.

Amount awarded: $1,000

Number of scholarships awarded: One

To qualify for this scholarship, applicants must:

  • Be a student who is attending or planning to attend an accredited college, university, or trade school in 2018.

To apply, applicants must:

  • Fill out and submit an application form.
  • Include a 300-word essay on the topic, “How does writing impact today’s world?”

Scholarship deadline: November 30, 2018

Winner will be notified via email in December 2018.

Entrants will be judged on the quality of their writing. All entry forms and essays must be written in English.

You can read the rest of the official rules and guidelines here.

If you’re looking for even more scholarships to apply for, be sure to check out our list of 100 scholarships that will help you pay for college.

Grace Schweizer is a junior 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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Germs on A Plane: Sit in These Airplane Seats to Avoid Sick Passengers


One of the biggest money-saving air-travel strategies out there these days is to leave your seat assignment up to fate — or, you know, a computer.

Most airlines now offer “basic economy” fares, which allow you to book inexpensive flights without paying for any of the perks that used to come standard — perks like overhead bin space, the option to choose your seat or an acceptable amount of legroom. (OK, the use of the term “perks” is fuzzy here.)

For quick-trip takers, light packers and the most flexible and forgiving among us, though, economy fares are a dream.

Until you wind up getting sick a few days after you get home because of a bad seat assignment.

Wait, really?

Yep. It turns out that your seat assignment could be to blame when you get sick after being on an airplane.

How Your Seat Assignment May Determine Your Risk

According to a recent study published by the National Academy of Sciences, where you sit on an airplane, along with what you touch and how well you wash your hands, can have an effect on whether you pick up germs during a flight.

The flu virus can travel short distances through the air — usually about six feet — on respiratory droplets from coughing, sneezing or talking. It also can be transmitted through touch, either from person to person or from an object an infected person has touched.

The research team behind the study took five round-trip flights from Atlanta to the West Coast, four of which were during flu season. Each flight had 14 researchers on board, scattered throughout the economy-class cabin to observe the movements and habits of their fellow travelers.

The researchers found that while a person sitting in a window seat had an average of just 12 instances of contact with another person, a person in a middle seat had an average of 58 and a person in an aisle seat had an average of 64. (And remember, as we learned above: Contact = germs.)

Of course, while you can’t control for the other people on your flight and what germs they may be boarding with, sitting in a window seat may reduce your chances of catching an illness from a fellow traveler.

In a window seat, you’ll not only have less direct contact, you’ll also cut your immediate airborne risk significantly. People in aisle seats will have almost double the number of people immediately surrounding them and could even run the risk of contracting airborne germs from someone across the aisle — especially on a smaller plane.

So, the next time you travel, you may want to think about whether it’s worth the added cost to ensure you get a window seat and reduce your exposure to germs.

Keep Germs at Bay When You Fly

But if you’re a real bargain flyer and you just can’t bring yourself to pay the extra fee to choose your own seat, don’t worry: There are things you can do to lower your risk of catching anything from the frequent flyers sniffling around you.

If you do get up to stretch your legs or use the restroom, wash your hands well (and consider bringing hand sanitizer along for extra germ-killing power).

“It’s pretty clear that if you’re seated more than a meter away from an infected passenger and you’re careful with hand hygiene, you’re unlikely to get infected with the flu,” one of the authors of the study, Howard Weiss, told the New York Times.

While you may want to consider skipping your flight if you’re sick, if you are the one sneezing, be sure to sneeze into your elbow, wash your hands often and open your air vent. “That will send the droplets straight to the floor,” Vicki Stover Hertzberg, a professor of nursing at Emory University and lead author of the study told the newspaper.

One final (if not slightly off-topic), helpful takeaway from this study?

On a single-aisle airplane, there are usually two restrooms at the back, but only one in the front. People who used the restroom at the front of the plane ended up waiting an average of 3.1 minutes, while people who queued up for one of the rear restrooms waited an average of only 1.7 minutes.

Always head to the back of the plane.

Grace Schweizer is a junior writer at The Penny Hoarder. She used to love the window seat, but she’s more recently become an aisle girl. This study is making her question her decision.

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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Get Paid to Talk on the Phone

By Holly Reisem Hanna Do you have the gift of gab? Do you enjoy talking on the phone? Great news! There are LOTS of work-at-home jobs out there for people who feel comfortable talking to others on the phone. If you’re someone who really likes connecting with people and isn't intimidated by phone work, getting paid […]

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For This Man, Foraging Is Good for Body, Soul, Budget — and Mother Nature

We’re Living Apart to Pay Off Debt. I’m Sacrificing. She’s Just Shopping


Dear Penny,

Just over a year ago, my wife moved back to where she grew up to take a dream job that paid extremely well, with the intent that we would use the extra money to accelerate our debt payments so I could eventually join her.

Last summer, I sold our house and moved to an apartment much closer to work and have restricted my spending to a minimum. Recently, I consolidated all of our remaining debt and paid off loans and credit card balances for both of us to where she no longer has any debt-related obligations. I’ve been putting every available cent toward debt, and anything that I don’t spend from my $200-a-week budget gets moved to savings.

It’s been tough being apart, and I know that takes a toll on both of us. We do get to see each other several times a year. But there are times that she tells me she’s lonely and depressed. I’ve been trying to establish a budget for her so she can help to accelerate paying off the debt as well, but she’s always complaining that she’s living paycheck to paycheck.

We went over all of her income and expenses and, as far as I can tell, she has $525 a week to live on after meeting her monthly obligations.

I don’t think she’s hiding anything from me, because we both have access to all of our accounts online. But when I look at her spending habits, I think she’s coping with her emotional issues with retail therapy.

Based on my calculations, it will be at least another two years before we’re debt-free, barring any unforeseen obstacles, but I’m bearing all of that burden myself.

How should I approach her about getting her spending in check so that we can get out of debt faster and better achieve the goals necessary for me to be able to relocate?

Signed,

Fiscally Frustrated

Fiscally Frustrated,

I hear you. Long-distance relationships are hard enough when you have a firm timeline and know the feelings of isolation will come to an end. But when there’s no hard stop on the calendar and there are money woes mixed in, it’s even tougher.

It sounds like the goal was for your wife’s lucrative job to make a considerable dent in your debt. But it also sounds like you didn’t start making a budget plan for her until she made the move and you started to see how the money part would fall into place.

Could your wife be feeling like you’re putting restrictions on her by prodding her to stick to a budget? Does she see the work you’re doing on your end? She may be going along with the debt paydown plan, but be struggling to see seeing the benefits.

There’s nothing wrong with a little retail therapy, and she may feel justified in her spending choices. But this has to be a joint effort if it’s going to work. And since the debt has all been consolidated under your name (and your credit report), I can imagine you’re feeling a little more passionate about getting out of debt quickly than she does. At the very least, you see the remaining balance more often, which probably reminds you to keep costs in check.

Now, you need buy-in from her, and you can’t volunteer her as tribute — she has to do it herself.

It sounds like you’ve done some math on this, so it’s time for a little prep and a family meeting (by video chat or the next time you’re together).

Pull together three scenarios for paying down your debt.

In the first scenario, you continue as normal, with you scrimping and saving, and she spending as you’ve noted. How long will that debt payoff take?

Then, the second scenario looks at how long it would take if you both were as frugal as you’re being right now.

In the third, you examine a middle option, in which you each have a weekly budget of somewhere between $200 and $525. How long would it take to pay off your debt if you each had $300 per week to cover your expenses? Play with the numbers to see what feels right.

There may not be a huge difference among these options in the time it will take to pay off the debt. Spreading out all the math and taking a look may help you decide on a plan that feels more comfortable for both of you.

If you decide that one of those three plans works for you, go for it with gusto. I’m talking gold stars and stickers and progress charts. You know those thermometer signs organizations use to track their fundraising goals? Make one for your debt payoff. Start coloring it in each week, or month. It’s amazing how much a simple visual can reinforce your commitment to working toward a goal.

Don’t forget to reward yourselves for your hard work, too. Whether you decide to celebrate your progress when you’re together or allow yourself separate rewards, that’s fine. Having a system may help her manage some of her spending, too.

There’s another option here: letting the debt payoff take a back seat. Yes, you set this goal last year to pay off the debt before you live together again. But if it’s weighing on you both too heavily, what’s more important: the health of your marriage, overall, or how fast you can pay down the debt? I can only imagine that your financial efforts would be stronger together than apart, in an environment where you can share wins and challenges.

It may be time to re-evaluate your original plan and decide whether it’s necessary to be completely debt-free before you make the move to join her.

Have an awkward money dilemma? Send it to dearpenny@thepennyhoarder.com.

Disclaimer: Chosen questions and featured answers will appear in The Penny Hoarder’s “Dear Penny” column. I won’t be able to answer every single letter (I can only type so fast!). We reserve the right to edit and publish your questions. Don’t worry — your identity will remain anonymous. I don’t have a psychology, accounting, finance or legal degree, so my advice is for informational purposes only. I do, however, promise to give you honest advice based on my own insights and real-life experiences.

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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Take it easy and let your money take care of itself

Take it easy and let your money take care of itself

From apps that automatically move your money into savings accounts to websites that will notify you when you need to switch energy, here are 12 simple ideas to make managing your money much easier.

For some reason, there are certain tasks that always seem to go straight to the end of the to-do list – and a lot of them tend to be money related. Sometimes life simply gets in the way. At other times, the tasks appear overly complex and it’s easier to think taking action just isn’t worth the hassle. Whatever the reason, plans that are more fun often get prioritised. And these jobs remain firmly rooted at the bottom of the pile.

Sadly, it’s these tasks, from getting a new car insurance quote to earning cashback, which can actually make a decent difference to your bank balance by hundreds of pounds each year.

But thanks to new technology, and a few old tricks used smartly, it’s possible to take the effort out of banking, paying bills, saving and spending money. We highlight the top tools below, which are all free to use unless otherwise stated.

BANKING

Set up text message alerts for your bank

Most of the big banks will send free text messages to your mobile phone informing you when you’re low on funds. It’s a simple and easy-to-activate trick that can be the difference between getting overdrawn and being stung with fees or not. And if you consider how expensive an overdraft can be, it’s well worth setting up.

Many banks also let you set alerts for more functions, such as high balances (for example, when your salary has been paid in), or if you don’t have enough money to pay a standing order.

You can usually set up alerts in your online banking but if not, ask in branch.

Help friends pay you money they owe straight away

Say you’re out for lunch with a friend and when the bill comes it turns out they’ve forgotten their wallet, so you put it on your card. Or perhaps you’re off to the cinema and, since you get there first, you buy the tickets. It should be simple for your friends to pay you back, but we all know it doesn’t always happen. Most of the time it’s down to one of you forgetting – but there is a way you can get it sorted there and then, and it’s really easy.

If you go into your online banking, you can quickly register your mobile phone number for Paym.

Pronounced ‘Pay-Em’, this is a system where people can pay you via your phone number rather than asking for your account details. They just need to open their mobile banking app and select ‘pay a contact’. They don’t even need to be registered – only the person receiving the money must be – so you can ask friends to pay you right away.

Aggregate your accounts

There have been a flurry of apps that allow you to see all your accounts in one place – handy if you have a couple of current accounts, plus other credit cards and savings accounts.

So if you’d like to see all your money at once glance, then download the likes of Money Dashboard or Yolt. These apps also analyse your spending, pulling it into groups such as travel, eating out and bills. That’s far easier than poring over your bank statements, trying to work out where your money goes each month, and enables you to visualise which areas you need to cut back on.

BILLS

Pay your bills automatically

Unless you’ve a formidable memory, it’s likely you’ve forgotten to make a bill or credit card payment in the past. If so, you’ll know that dawning realisation a day or two later as you stare at the penalty fee that has appeared on your bank statement.

One of the easiest ways to avoid this happening is to set up a direct debit or standing order for any regular payments you need to make. With these, the money will be taken from your account on the same date each month and you’ll never forget a payment again. All you need to do is ensure you have enough funds in your bank to cover the costs.

Be smart with your meter readings

To get accurate gas and electricity bills – and therefore avoid over- or underpaying – you need to give regular meter readings. But ask your energy company to install a free smart meter and you can put an end to shining a torch into the dark cupboard where your meter lives.

An extra bonus should be that you are able to see just how much your energy use costs, enabling you to cut back if you need to – though it could temporarily become a ‘dumb’ meter if you choose to switch to a different supplier.

Get reminded when your subscriptions and bills are due to end

One of the biggest reasons people don’t switch when their energy tariff or mortgage fi xed rate expires, or cancel services, is because they’re likely to forget. As a result, payments are taken for another year, or you’re moved to a more expensive rate. You could write it all down in your diary, but then you’ve got to remember to check that too.

One solution is websites such as Onedox, which lets you register many of your utility accounts, as well as annual payments, such as your MOT and car tax. You’ll then be emailed an auto-reminder when you need to take action.

Another website, Bean, will monitor recurring payments in your bank account and let you cancel unwanted subscriptions with a few clicks.

Switch to a cheaper energy firm without comparing prices

Switching energy isn’t difficult, but still lots of people find it too much hassle. If that sounds like you, then you can sign up to service Mespo. It will analyse your bills and show you a new and cheaper deal. If you want to switch, you just say yes and let it happen in the background.

If you want to take it a step further, another tool called Flipper will keep switching your energy every time its computer algorithms find a better deal – though it does cost £25 a year.

SAVINGS AND INVESTMENTS

Send money to your savings accounts

Another innovation is an automated savings system, which should make saving easier.

Three tools to check out are Chip, which offers up to 1% interest in the first year for every friend that joins (up to 5%), Plum and Squirrel – although the latter costs £3.99 a month.

By sharing your bank details, these smart services work out how much money you can afford to save each week. That money will then be moved to a separate savings account – all three apps move your money to a Barclays account (though no interest is paid). With these apps, not only will you not forget to save, but you won’t see that money disappear on everyday spending.

Let the robo-advisers manage your investments

For people who want to dip a toe in the investing waters, or who are just short of time, active investing might be a step too far. But ‘robo’ firms, such as Moneyfarm, Nutmeg and Wealthify, can take the pain away. These use computers – often called robo-advisers – to work out a risk profile for investors and then manage their investments based on this. You just leave your money and let the ‘robots’ look after it. Easy!

As a result, fees are often much lower than investing via fund managers and some fund platforms. However, it is possible to pay less if you do it yourself and pick passive funds from the likes of Vanguard.

SPENDING

Let your computer show you when cashback is available

Cashback and voucher code websites are fantastic ways to save money as you spend, but they all require you to do a bit of searching online or activate offers specific to the retailer you want to shop at.

If that’s all a bit much, you can install plug-ins to your internet browser, which will notify you when it’s possible to save at the website you are shopping on. Messages pop up at the top of your screen, sharing the savings you can make – handy reminders that take out the effort.

Both Quidco and TopCashback offer these plug-ins for their own cashback, while Pouch works for vouchers and discount codes.

Use a cashback credit card

To earn money on spending without thinking at all, you could just sign up for a cashback credit card. These usually pay cashback on every £1 you spend, regardless of the shop. The highest paying across all retailers generally come from American Express, though there are still shops that won’t accept them.

Add your cards to your phone

By now, we’re all used to contactless payments, but you will still need your four-digit PIN for payments over £30.

If you have a problem remembering different numbers for different cards, you can add all your cards to your smartphone via Apple Pay or Android Pay systems. These digital wallets don’t have a limit, so you can then use your handset to tap and pay without entering your PIN.

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