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الأربعاء، 9 أغسطس 2017

A Record Number of Jobs Are Open Right Now — Which Industries Have Them?

Well, it happened again.

Another month, another record number of job openings in the U.S.

In June, there were 6.2 million openings across the country, which is up 11% over the same month in 2016, according to the U.S. Bureau of Labor Statistics data released on Tuesday.

It’s the first time the numbers, adjusted for seasonal changes, have topped 6 million since the BLS started tracking them in 2007.

Sounds like deja vu, right? Last time we highlighted these figures, we were a little bit skeptical.

I mean, come on — does it truly feel like there are 6 million jobs openings in the country?

Elise Gould, senior economist at the Economic Policy Institute told us back then that our cynicism was well-placed. There were plenty of job openings in April, but new hiring actually fell by 64,000 from April 2016 to the same month this year.

“There seems to be an unwillingness to offer higher wages,” Gould said at the time. “You’d see that hire rate pick up if firms were offering higher wages.”

Fast forward a few months, and companies ended up hiring 178,000 new workers when you compare this June with the job market last June. Talk about a summer turnaround.

But where should you be looking if you need one of these millions of jobs? We’ve got you covered.

Which Industries Have the Most Job Openings?

The top five industries in terms of job openings are in the business and professional; healthcare; trade, transportation and utilities; and hospitality and food-service industries. 

The professional and business sector is pretty wide-ranging, so it’s not a surprise it has more than 1.2 million available jobs.

Health care jobs are usually recession-proof and grow steadily through good times as well. The best part? Most don’t even require a bachelor’s degree!

An overlap of the health care and hospitality sectors particularly stood out to us, especially after reading the International SPA Association’s U.S. Spa Industry Study.

For the first time in the history of the study, for which ISPA taps PwC for its analysis, the annual number of spa visits topped 180 million.

At 184 million spa visits in 2016, the number of people treating themselves jumped 2.5% over the last year. That means: Jobs.

“An increase in visits means higher demand of spa services, which demonstrates a very positive outlook,” says ISPA President Lynne McNees in a statement. “As jobs are created to meet this demand, we will continue to promote the benefits of a career in the spa industry.”

There are nearly 33,000 open jobs in the spa industry, according to the study. And they offer flexibility that the modern worker demands. Plus, all those tips could mean a decent income without a college degree.

Prefer not to touch all those icky humans? You could always become a dog masseuse.

And, as always, make sure to check out The Penny Hoarder Jobs Facebook page for a vast assortment of opportunities. Come on, there are more than 6 million out there, right?

Alex Mahadevan is a data journalist at The Penny Hoarder. His dog Josie is already too spoiled for a dog massage — or is she?

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



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The Mind-Blowingly Cruel Way Scammers Are Targeting Owners of Lost Pets

Realizing your family pet has gone missing is probably one of any dog or cat owner’s greatest fears.

After frantically searching every nook and cranny of your home and checking all your pet’s favorite hiding spots, your next move is probably to take to social media.

You post a picture of your pet’s smiling face. along with your phone number, your pet’s name and a description of any special markings that set your pet apart. Then you mark the post public. You want everyone to be able to see and share it in hopes of reuniting your family.

According to Consumer Affairs, that might be a costly mistake, and it may not get you any closer to finding your pet.

Scammers Could Take Advantage of You and Your Lost Pet

Most people who see your post about your lost pet will feel sympathetic. Those who live in your town might even share your post in hopes of getting your pet back home to you.

While most people mean well, there are people who will use this moment of despair against you.

Scammers who see your post with all your personal information know you’re probably frantic and a little desperate, and they take advantage.

Owners of lost pets have reported getting text messages from people they later realized were scammers. In the text, the scammer claims they found the lost pet, the Better Business Bureau told Consumer Affairs. Then, when the owner asks for the pet’s description or a photo, the excuses start. The scammers claim they don’t have a working smartphone or are out of town and not with the pet, so they can’t take the picture.

“The scammer will then pressure the owner for money to return their lost pet, despite the fact that they did not actually find the pet,” Consumer Affairs reported.

Vulnerable pet owners might just fork over the cash in hopes of getting their furry family member back.

How to Find Your Lost Pet and Protect Yourself

The BBB says it may be better to skip technology and go old-school to find your pet.

Check out veterinarians and animal shelters within a 50-mile radius and leave flyers with photos of your pet at each one. Anyone who finds your pet will likely take it there first.

You can still post online, but don’t mention any special markings your pet has. If someone tracks you down and says they have your furry friend, you’ll know it’s legit if they can tell you about any special markings not visible in the photos.

If you get a call or text from someone claiming they have your pet, ask them to send you a photo. If they won’t, be suspicious.

You can also ask if it’s OK to call them back on the phone number they called you from. Consumer Affairs says scammers often use software to mask their phone numbers. If you can’t reach them on at the number they called you from, that’s a red flag.

Finally, Consumer Affairs says you should never send money to anyone you don’t know. Even if your mention a reward on your flyer, don’t wire any money to a stranger until your pet is back home safe and sound.

Desiree Stennett (@desi_stennett) is a staff writer at The Penny Hoarder.

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



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Why Many Millennials Are Getting Prenups (Hint: Not Because They’re Rich)

Ever discussed (over a glass of wine or three) getting a prenuptial agreement with your future spouse?

It was probably at least a little uncomfortable, but having that conversation is more common than ever.

Millennials are notorious for putting marriage off until they’ve established a career or some semblance of financial security. But it also looks like many of them are tying the knot with an extra layer of financial security.

Jonnelle Marte of The Washington Post examined the trend of millennial prenups, citing recent data from divorce lawyers on the increasing frequency of millennial clients requesting prenups.  

Marte notes that prenuptial agreements have only recently come into vogue, with state acceptance of these documents coinciding with the rising divorce rate in the last 25 years.

But while the prenuptial agreements of the 1970s and 1980s protected one partner’s wealth from another (who probably stayed at home with the kids for the sake of tradition, cough), today’s prenups reflect the increasing amount of debt many of us carry from college into our 20s, 30s and beyond.

Some prenups don’t exist to protect either partner’s current net worth. Instead, they draw a clear line through debt repayment obligations and future business earnings.

Why Are Prenups up When the Divorce Rate Is Down?

Correlation and causation are not eternally tied, but hear me out on this one.

The divorce rate now is about 17 per 1,000 marriages per year, based on the latest Census Bureau data. That’s the lowest it’s been since the early 1970s. By 1975, there were 20.3 divorces for every 1,000 marriages. By 1980, the rate was up to 22.8 per 1,000.

Then, there was a slow decline before a brief spike during the Great Recession.

If you consider that the millennial generation began in 1982 and look at the divorce rate throughout the 80s, it all starts to make sense. A lot of millennial kids grew up with divorced parents.

Any kid who’s shuffled between mom’s place and dad’s place for a part of their childhood knows how divorce can wreck a family and its finances.

So can you blame millennials for waiting to get married? Can you blame them for playing it safe when making what’s supposed to be a lifelong legal commitment to another person?

They seem pretty smart to me.

How to Talk About Prenups Without Sounding Cold and Heartless

Among the many qualities millennials are known for is their openness in talking about finances. If you plan to tie the knot — or are just starting to get serious with someone special — it’s worth it to start talking about money.

Sharing your ideals about how you earn, manage and spend your own money can help you figure out the best way to do so as a couple and determine if a prenuptial agreement can put your joint financial future at ease.

If you have to uncork a bottle of wine to get through it, be my guest.

Lisa Rowan is a writer and producer at The Penny Hoarder. Her parents are divorced, if you couldn’t guess.

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



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These States Have the Most Credit Card Debt. Did Yours Make the List?

Credit cards are powerful little pieces of plastic.

You can swipe away until you hit your cap. Even then, you might already be ankle deep in debt. Then consider interest rates, which cause that debt to continue to build…

OK, enough of that. I’m getting anxiety just thinking about it.

Unfortunately, many people live with credit card debt.

Credit education website Credit Sesame was curious: Which states have the highest and lowest amounts of credit card debt?

It looked at 2 million people in its database. Of those people, it collected data from 6 million credit cards.

Here’s what it found.

6 States With the Most Credit Card Debt

Credit Sesame calculated the average debt per account for each state. These five proved to have the most debt.

  1. Indiana — $5,250
  2. Alaska — $4,348
  3. West Virginia — $3,565
  4. Arkansas — $3,386
  5. Louisiana — $3,270
  6. Mississippi — $2,949

Here’s How to Find Out How Much Credit Card Debt You Have

Want to know where you personally stand when it comes to credit card debt?

Pull a free credit report from a site like Credit Sesame. It’ll break down what you’re doing right, what you’re doing wrong, and even offer tips on how to spruce things up a bit.

If you’re having trouble getting started, take notes from these people, who collected a total of $250,000 in debt — and then paid it off.

Ready to pay off your credit card debt?

If you fall behind on your credit card debt, you may find yourself getting crushed by interest rates north of 20%. You’ll never catch up that way. You’re spending so much on interest, you’ll never pay off your balances.

It might be worth consolidating or refinancing your debt.

By refinancing an existing loan, you’re taking out a totally new loan, which comes with new terms and (ideally) a lower interest rate. Credible is an online marketplace that offers consumers personalized loan offers. Think of it like Zillow — but for personal loans.

Rates start at 5.99%, and you can check yours by entering a loan amount here ($500 to $40,000) and comparing your personalized options in under 90 seconds.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She didn’t start using a credit card full time until last year. Even so, she’s still paranoid about paying it off each month, but she appreciates the airline points.

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



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These 6 Work-From-Home Writing and Editing Jobs Are Open Right Now

Most of the writers and editors I know love to work from home. It’s where all the good snacks, dogs and comfy couches are.

If you’re also a writer or editor who loves to work from home, you’ll want to check out these four companies that are hiring full-time and part-time remote workers right now.

Brace yourself. The pay and benefits for some of these jobs are jaw-dropping.

But if none of these jobs is for you, be sure to check out our jobs page on Facebook, where we’re always listing new work-from-home jobs.

1. News and Politics Writer at Bustle

Women’s news and lifestyle website Bustle is looking for part-time remote news and politics writers. This is a staff position that a company representative tells me comes with some benefits.

According to the job listing, the position could be for three to four days a week, but a minimum commitment of at least two days per week is required.

Pay: $15 to $35 per hour, commensurate with experience.

Responsibilities include:

  • Writing breaking news quickly
  • Juggling multiple articles at once
  • Monitoring social media for viral and top news stories
  • Incorporating digital content into articles

Applicants for this position must have:

  • Availability of two days per week, minimum
  • At least two years of writing or blogging experience
  • Degree in journalism, communications, political science or a related field
  • Strong journalistic integrity and ethics
  • Knowledge of SEO
  • Evening, overnight and weekend availability desired

Apply here for the news and politics writer job at Bustle.

2. Freelance Content Manager at Dotdash

Educational content website About.com has rebranded itself as Dotdash and is looking for a remote full-time freelance content manager to help shape and define the site’s new direction.

Pay: $25 per hour

Responsibilities include:

  • Editing content
  • Working with a team of freelance writers
  • Improving and replacing images on the site
  • Curating and promoting email newsletters and social media content
  • Identifying new opportunities and editorial coverage gaps

Applicants for this position must have:

  • A passion for working with writers to edit and improve content
  • A talent for creativity and problem-solving
  • 2+ years of experience curating and developing web, email and social content
  • Experience with content management systems and web analytics tools

Apply here for the freelance content manager job at Dotdash.

3. Fantasy eSports and Soccer Beat Writers at RotoWire.com

Fantasy sports website RotoWire.com is hiring part-time work-from-home writers with an affinity for gaming and soccer.

Pay: Quarterly monthly stipend after probationary period

Responsibilities include:

  • Writing individual player updates with appropriate citation
  • Writing player-focused match recaps
  • Verifying player database accuracy

Applicants for this position must have:

  • Fantasy eSports: Expert knowledge of “League of Legends,” “Dota 2,” “Call of Duty” and “Counter-Strike: Global Offensive.”
  • Fantasy soccer: Expert knowledge of the five major European soccer leagues: the English Premier League, La Liga (Spain), Serie A (Italy), Ligue 1 (France) and the Bundesliga (Germany).
  • Strong writing skills
  • Ability to work with minimal supervision

Benefits include:

  • A free subscription to RotoWire
  • Access to exclusive website content
  • Access to staff fantasy sports leagues
  • Potential to have your work on ESPN, CBS and other media outlets

Find details here on how to apply as a beat writer at RotoWire.com.

4. Marketing Copywriter at Student Loan Hero

Financial education website Student Loan Hero is hiring a full-time remote writer to create web page and email content to educate and inspire readers.

Pay: “Competitive” based on experience and location.

Responsibilities include:

  • Developing new email marketing funnels
  • Discovering weak spots in the website’s content
  • A/B testing new copy
  • Increasing conversion rates  

Applicants for this position must have:

  • Bachelor’s degree
  • At least two years of experience
  • Experience in multiple content formats, including email and web pages
  • Familiarity with SEO
  • Full-time availability

Benefits include:

  • Unlimited vacation
  • Vested company shares
  • Flexible work hours
  • Health insurance
  • $2,000 technology stipend
  • $100 per month continuing education budget
  • Retirement account or student loan repayment matching

Apply here for the marketing copywriter job at Student Loan Hero.

5. Part-Time Weekend Editor

News website Vox is hiring a part-time weekend editor with a deep understanding of policy and politics to work 8 a.m. to 4 p.m. EST on Saturdays and Sundays.

Pay: Not listed, but I’ve reached out to the company and will update when I know more.

Responsibilities include:

  • Assigning and editing stories from weekend news writer
  • Editing and copy editing stories from staff reporters

Applicants for this position must have:

  • Editing experience
  • Strong news judgement
  • Background in U.S. policy and politics
  • Knowledge of current events
  • Solid understanding of SEO and social media

Apply here for the part-time weekend editor position at Vox.

6. Full-Time Copy Editor at Vox

Vox is also hiring a full-time editor with a deep understanding of policy and politics to work the 1 p.m. to 9 p.m. EST shift, Monday through Friday.

Pay: None listed, but I’ve reached out to the company and will update when I know more.

Responsibilities include:

  • Editing and copy editing stories from staff reporters from a variety of beats
  • Facilitating content workflow
  • Building and maintaining Vox style guides
  • Collaborating with social team on packaging stories
  • Line editing news stories during evening hours

Applicants for this position must have:

  • Minimum of four years of editing experience
  • An excellent eye for detail
  • Knowledge of U.S. policy and politics
  • Fact-checking experience
  • Knowledge of AP style
  • Strong organizational skills
  • Solid understanding of SEO and social media

Apply here for the full-time copy editor job at Vox.

Lisa McGreevy is a staff writer at The Penny Hoarder. She loves telling readers about new job opportunities so look her up on Twitter @lisah if you’ve got a tip to share.

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



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How I Bought School Supplies for My 2 Kids for Only $19.05

Im always looking for ways to cut corners when shopping for my two daughters. And a recent shopping trip for back-to-school supplies was no different.

Is it me or do these school-supply lists get more ridiculous by the year? What 7-year-old needs six composition books? Or 150 gallon-sized trash bags?

Last year, I spent a little over $80 for my kids’ outrageous amounts of school supplies. I even made a point of not buying everything on their lists, just to see how long we’d make it without a teachers note home complaining about missing three-prong folders. (I never got a note.)

While families are expected to spend an average of $687.72 on back-to-school supplies this year, according to one study, I won’t be joining them.

I Bought My Kids’ School Supplies for Less Than $20

I recently discussed how I saved hundreds on back-to-school clothes by shopping in thrift stores as opposed to malls, and I followed a similar strategy for school supplies.

For only $19.05, I bought the following:

  • six composition books
  • two rulers
  • two packs of writing paper
  • one pack of multipurpose printing paper
  • four packs of generic brand pencils
  • two packs of 100 index cards
  • two bottles of hand sanitizer
  • six three-prong, two-pocket folders
  • two boxes of Kleenex
  • two boxes of trash bags

Here’s how I spent a fraction of the usual price.

I Didnt Buy Everything on the List

While I made sure to buy most of the items, I didnt buy everything.

For example, my 8-year-olds third-grade school list called for nine composition books. Yes nine. I simply could not justify a child having so many composition notebooks!

If she really needs more notebooks during the year, Im sure Ill hear about it from her teacher. Until that time comes (if it ever does), Ill save my money by not buying all the items on the list.

I Recycled Supplies From Last Year

When I cleaned out my daughters’ book bags after the school year was over in June, I found plenty of barely used pencils, crayons and pens. I simply put them in a box, ready for the following year.

Recycling school supplies helped me find nearly half the items on my 7-year-olds list right at home. I was able to cross off glue sticks, crayons, colored pencils, pencils, rulers, scissors and pencil boxes without leaving my living room.

I also made it a point to clean out their classroom desks when I volunteered on the last day of school. Besides the gunk build up, I found small packs of unused paper, binders and pens.

I Shopped at Smaller Stores

I knew everyone would be flooding to Walmart and I didnt want to fight with other anxious moms trying to get everything on their lists.

Instead, I went to a less-crowded Dollar General within walking distance of my house. Most of the items I needed cost cents on the dollar without discounts. For example, I purchased three-prong folders for less than $0.20 each and a pack of 100 index cards for $0.38.

Other stores to check for school supplies include Family Dollar, Dollar Tree and Five Below.

I Looked for Coupons Before Leaving the House

Before heading to the store, I checked its website for any coupons or deals. Before heading to Dollar General, I saw it was giving customers an additional $5 off their purchases of school-supply purchases over $20. In fact, I just saw an OfficeMax commercial promoting their $0.01 sale on back-to-school folders!

Additionally, I took advantage of the tax-free weekend. Because I had to buy some household items with my school-supply shopping, my tax came to $0.60. If I need more supplies later in the year, Ill be sure to purchase them on Black Friday!

School supplies will only get more expensive as my kids get older. I dont look forward to purchasing $70 graphing calculators for their AP Calculus classes. All the more reason to take advantage of cheap school supplies while I can!

Monica Leftwich is a working mom and freelance writer who loves to discuss topics like women’s health and single parenting issues. When she’s not working, she’s eating sushi, making spaghetti and meatballs for her kids or belly dancing. Find her at monicaleftwich.com.

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



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Save almost £700 a year on home appliances with these 10 lifestyle tips

Save almost £700 a year on home appliances with these ten lifestyle tips

With all the chatter and advertising about changing energy suppliers and obtaining better tariffs, there is hardly a soul in this nation who has not heard that they should change to a better deal.

Even though it should only take a few minutes of your time, many believe this is still too much hassle.

But there are other ways to save too, with just a few small changes to your everyday lifestyle. Plus, these also have an environmental benefit because you are reducing your carbon dioxide (CO₂) imprint.

1. Power shower

 

Many of us love the feeling of hot water lashing our bodies but that’s not quite so pleasant when you look at how much money is flowing down the plughole. An average daily power shower usually lasts eight minutes and costs about 60p. Just think, if you reduced your time under the shower to four minutes, you will save around £110 per person/year (≡ 245kg of CO₂). For a family of four, that’s a massive saving of £440 per year.

You can also save 30% more by using a water efficient shower head. These combine air and water to give the same feeling but reduce water usage.

2. Tumble dryer


 

We know it’s tempting, but tumble dryers are one of life’s luxuries, and unless it is raining or too cold, the best option is to dry your clothes on an outside line or indoor drying rack.

A 2.5kw tumble dryer running for one-hour costs about 35p (150 times = £53 per year), so we say ditch the tumble dryer and save £53 per year (≡ 176kg of CO₂).

3. LED lighting


 

This one costs a little to set up but the financial benefits can be huge. Lighting accounts for around 15% of the energy bill in most homes. Changing to more efficient light bulbs is a very simple way to reduce these bills.  

In an average home, if you upgraded five x 50W halogen spotlights to five x 3.5W LEDs you could save £29 in the first year, considering the cost of buying the bulbs (≡ 130kg CO₂), £39 the second year and so on. The LEDs also last more than 10x longer than halogen bulbs, making you more savings.

A typical GU10 LED costs around £2 from Amazon.

We have calculated changing out 5 ordinary Halogen GU10s to LEDs, that means a £10 cost for bulbs and a reduction in savings in year 1, therefore £29.00 saving not £39.00

LEDs last 20,000 to 40,000 hours, halogens just 2,000 to 4,000 hours, so over the following 10 years the saving is £39 per year.

4. Kettle


 

An electric kettle uses a surprising amount of energy. By using a few simple money saving techniques, you can soon reduce your energy bills. 

Boil just enough water and you can start saving money. Boiling 1l of water costs around 1.8p, boiling one cup (385ml) of water costs around 0.7p. Based on five x one cup boils per day – the savings would be around £20 per year (≡ 69kg of CO₂).

5. Cooker


 

An electric cooker can be a big drain on energy, but luckily there are several techniques to reduce your usage.

Changing the way you cook is a simple example. If you are cooking a stew in a 2kWh oven for one hour it costs around 28p. However, cooking the same stew in a slow cooker for eight hours will only cost around 10p.

Using a slow cooker twice a week, you could save £19 per year (≡ 64kg of CO₂).

You can also cut energy usage by 10% using a lid on pans, and cut wasted energy by up to 40% by using a pan size greater than the cooker ring size.  

6. Fridge / freezer


 

Fridges and freezers save us a small fortune on preserving food and drink, but maintaining the optimum temperature also helps save on energy bills.

The optimum temperature in a freezer is approximately -18C. However, if you set your freezer at -25C you can increase the electricity used by 10%. Reduce this to -18C and save £9 per year (≡ 30kg of CO₂).

For a fridge, the optimum temperature is 4C, if you have it much colder you are putting your money on ice.

7. Microwave


 

Microwave ovens can make a big difference to your cooking costs but it depends on what you cook. They are cost effective (compared to ovens and hobs) when heating meals, baking potatoes or even making fudge!

In a microwave, a typical 500g frozen meal costs just 2p to heat up. Compare that to a typical oven, which will cost 23p. Heat two frozen meals a week in the microwave and save about £22 per year (≡ 74kg of CO₂).

8. Portable heaters


 

Many houses still need some secondary heating to keep rooms nice and cosy. But make sure you pick the correct-sized heater for the room. ​

If you heat a room of 14m² with a heater of 1,600W it will cost about 89p for four hours​. However, if you heat the same with a heater of 1,200W it will cost around 67p for four hours for the same effect.

That could save you £20 over three winter months ​ (≡ 67kg of CO₂).

9. Computers


 

In 2014, 52% of homes in the UK had a tablet, but despite the growing popularity of tablets, laptops are still the UK’s most popular type of computer, appearing in over 80% of homes.

Compared to many other appliances in your home, computers are not as expensive as you may think. However, a family of four could be running multiple units and then the bills ramp up.

Here, we show you a comparison of energy used and the cost to run three of the most common computer types at home:

  • A desktop PC used for four hours per day costs about £24 per year (≡ 79kg of CO₂).
  • A laptop used for four hours per day costs around £7 per year (≡ 24kg of CO₂).
  • A tablet used four hours per day costs just £1 per year (≡ 3kg of CO₂).

So by swapping a desktop for a tablet you can save £23 per year (≡ 76kg of CO₂), and by swapping a laptop for a tablet you can save £6 per year (≡ 21kg of CO₂).

Of course, mobile phones are taking over for internet access and they use even less energy than tablets, a huge plus.

We should also be aware that our increasing obsession to be online, for internet access, for data transfer and data storage means a whole new industry of data centres has built up in recent years. These now account for 3% of greenhouse gases worldwide and this is increasing by 10% year on year.

10. Televisions


 

As we become more sedentary, sitting for longer in front of our TVs, we would expect an increase in energy consumption. However, manufacturers have made big advances to help reduce energy requirements.

A 42” Plasma TV watched for four hours a day costs up to £60 per year (≡ 205kg of CO₂), whereas a 42” LED TV may only cost £10 per year (≡ 34kg of CO₂) saving up to £50 per year
(≡ 171kg of CO₂).

Total savings:

If you made all our suggested changes, for a family of four you’d save about £686 per year and the equivalent to 1.84 tonnes of CO₂. That’s a lot of money for such minor changes to your lifestyle.

Tony Whittingham is director of EcoFrenzy.com, a non-commercial and not-for-profit organisation that helps you save money and the environment in everyday life by minimising waste, pollution and carbon dioxide output. 

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SEO vs. PPC: Which Should You Focus on First?

Here’s the scenario.

You’re just launching your marketing campaign and want results.

Not only that, you want the most bang for your buck.

You want to make sure the time and money you’re putting in will bring a large volume of high-quality traffic primed to convert.

In other words, you want a rock solid ROI.

While there is a plethora of different avenues you can take, it often boils down to one of two choices: SEO or PPC.

seo vs ppc

Both are tried and true and will drive targeted leads to your site.

But which option makes the most sense for your campaign?

More importantly, which should you focus on first?

In this post, I highlight the pros and cons of each option, drawing on my personal experience.

By the end, you should know with certainty which path to take.

By the numbers

By now, I am sure you know I’m a huge fan of statistics and data in general.

I find I tend to make better choices when I take the emotion out of it and simply look at the numbers.

So, let’s take a look at some recent statistics from WebpageFX regarding both SEO and PPC.

2017 SEO Stats

  • 93% of online experiences start with search engines
  • 70% of clicked search results are organic
  • 14.6% of all SEO leads close (as opposed to 1.7% of outbound leads)
  • Google fields more than one trillion searches per year
  • 89% of marketers say SEO is successful

2017 PPC Stats

  • PPC visitors are 50% more likely to buy than organic visitors
  • 65% of all high-intent searches result in an ad click
  • Search ads increase brand awareness by as much as 80%
  • 32% of companies use PPC to sell products directly to consumers
  • On average, businesses earn $3 for every $1.60 spent on AdWords

Both of these strategies tote some impressive numbers.

If you plan and execute your campaign correctly, you will get qualified leads, and a reasonable number of those leads will convert.

And while the outcome is essentially the same, the way you get there is completely different, depending on the path you take.

Let’s now go over the pros and cons.

The advantages of SEO

Perhaps the biggest reason marketers choose SEO over PPC is its cost-effectiveness.

The bottom line is you’ll pay a lot more for your traffic with PPC than with SEO, especially if you handle it in-house.

Just look at what the average CPC is like for some of the top industries:

adwords industry benchmarks average cpc

The legal industry is hands down the worst with a whopping $5.88 CPC.

It takes a sizable budget to get a PPC campaign up and running.

And if you’re new to the game, you have to deal with the inherent learning curve, which means it can take awhile to get your CPA and ROI to where you want them to be.

SEO is much cheaper and involves more of a time investment than a financial one.

If your marketing budget is minimal, SEO may be your only option.

Another benefit is the long-term results marketers tend to get.

Here’s a chart showing the difference in long-term performance between organic and paid traffic:

seo sem

Notice that SEO starts off slowly initially, but over time it grows tremendously.

This makes SEO far more sustainable than PPC, potentially resulting in high-quality, organic traffic for years to come.

Finally, you’re likely to have a higher ROI with SEO.

Just think about it.

Every single click you get through PPC comes at a price.

The only way you can drive traffic to your site is to pay for it.

This inevitably diminishes your ROI.

But with SEO, it’s pretty much straight profit.

Because you’re acquiring your traffic organically, the returns are inevitably higher.

Even if you “take your foot off the gas,” you’re still going to drive traffic to your site.

This basically means free traffic.

The advantages of PPC

Hands down, the biggest advantage is the immediate surge in traffic you often get:

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Right off the bat, you can bring qualified, ready to buy leads.

Better yet, you can specifically target keywords with buying intent.

This makes it perfect for new businesses with little to no brand equity.

PPC helps you drive traffic and boost your brand’s visibility in a hurry.

If you want nearly instant results and don’t have the luxury of waiting, PPC is your best option.

Another plus is the conversion rate.

While you may end up spending more overall, paid search results are 1.5x more likely to convert.

And this makes sense, considering advertisers can customize and optimize their ads and specifically target high-intent keywords.

I also think there are way more PPC opportunities today than in years past.

While Google AdWords has had and continues to have the lion’s share of business (almost 80% of companies focus on Google for PPC), there is now a buffet of other options available.

For instance, Bing Ads are starting to catch on, and social networks such as Facebook and Twitter offer paid advertising.

The bottom line is you’re not stuck with AdWords.

The downside of SEO

To be fair, it’s not all puppy dogs and rainbows all the time.

One of the top complaints marketers have with SEO is the fluctuation of search engine algorithms.

In fact, “40% of marketers say algorithm changes are the biggest challenges to SEO.”

Over the years, major updates, such as Panda and Penguin, have caused serious disruptions to the SERPs, and many marketers have felt the negative impact.

So it’s important to point out SEO isn’t a set-it-and-forget-it strategy.

It requires plenty of maintenance, and you need to stay updated on current trends.

Penalties

Just the thought of an ugly penalty is enough to make many SEO marketers squirm.

Just recently, some sites saw their traffic decline by as much as 90% with Google’s “Fred” update.

Not to freak you out, but penalties can happen even if you have the best intentions and would never dream of engaging in any black-hat SEO tactics.

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The best way to keep your site safe is to always follow ethical, white-hat techniques and put emphasis on creating the best possible content rather than trying to capitalize on the next big thing in SEO.

I also recommend staying up-to-date on SEO trends, especially major algorithm updates.

It takes time to see results

If patience isn’t your strength, you may find the SEO process very frustrating.

It simply isn’t a strategy that will deliver major progress overnight.

I don’t care how experienced you are and how many epic backlinks you’re able to generate, you can’t expect instant miracles.

Simply getting Google to index your content can take a considerable amount of time.

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It’s hard to pinpoint exactly how long it takes, but I’ve heard it could take up to four weeks for Google to index new content.

And it can easily take months before any real impact becomes evident, so you have to be in it for the long haul to thrive with SEO.

Reaching page one is no guarantee

What’s the primary goal of SEO marketers?

Get your content on page one for your targeted keyword phrase.

That’s the name of the game.

But this is obviously harder than it sounds, with no guarantees.

Even if you do everything right, there is a nearly infinite number of factors that determine where your content ends up in the SERPs.

And failing to reach page one is very disheartening because it’s almost like being invisible.

Considering “75% of users never scroll past the first page,” you won’t be raking in traffic if your content misses the mark.

First Page of Google1

If you want to quickly see how you’re ranking for various keywords, here’s how you check.

First, go to SEMrush.

Type in your URL.

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Click on “Start now.”

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Scroll down to “Top Organic Keywords” and click on “View full report.”

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Check the position of the keywords you rank for:

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The downside of PPC

I already mentioned PPC comes with much higher upfront costs.

And that’s usually the biggest issues marketers have.

Just take a look at some of the most expensive keywords at the moment:

where does google make its money updated

“Insurance” is a ridiculous $54.91.

That’s insane!

And the scary thing is PPC costs are increasing.

As more and more marketers compete for traffic, most platforms are inevitably raising their prices.

Google AdWords can be especially cutthroat.

In some cases, the money you spend to acquire traffic will outweigh what you’re generating from sales.

If you’re a new startup with a shoestring budget, PPC may simply not be in the cards from a cost perspective.

Optimizing your ads can be difficult and time consuming

It’s not like you can just slap up some ads on a PPC platform and instantly get a high volume of highly targeted traffic.

Just learning the basics takes time.

Fully optimizing your ads to minimize your CPC and increase your CTR takes even longer.

It’s a fairly arduous process even for experienced marketers.

This means you may end up spending more than you should until you get the hang of things.

Your traffic ceases when your campaign ends

Here’s the real downer.

The second you stop funneling money into your PPC campaign, you bring zero traffic.

Of course, this means you’re also getting zero sales from PPC, which is definitely food for thought.

While other marketing tactics—such as SEO, social media, content marketing, etc.—require maintenance and upkeep, they should still drive traffic to your site even if you take a break.

Unfortunately, this isn’t the case with PPC.

To maintain your traffic and leads, you have to continually “stoke the fire,” putting money into your campaign.

Examining all the angles

At this point, I’ve covered the good, the bad and the ugly aspects of both SEO and PPC.

Like any other area of marketing, each has its pros and cons.

Before you commit to either, look at all the angles and figure out which strategy best matches your short-term and long-term needs.

When you should focus on SEO first

If you’re working with a small budget, PPC may not be feasible, so SEO is the obvious choice.

In this scenario, it’s about investing time rather than money into your marketing campaign.

It’s by no means an easy path, but you should eventually see a favorable ROI over time, and it may look something like this:

shutterstock 298997099 1

You’re looking for long-term sustainability

Here’s how I view SEO.

It’s like trying to get a huge boulder rolling.

There’s a lot of initial effort involved, but once in motion, it continues to gain momentum. After a while, it’s a force to be reckoned with.

To me, it’s well worth the effort.

As your campaign develops and your archive of optimized content grows, so will your traffic, leads and sales.

Staying the course in SEO is what has enabled me to bring in huge traffic for highly desired keywords like “content marketing.”

Sound SEO practices helped me outrank even Wikipedia for this term:

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You don’t need instant results

As I mentioned earlier, SEO is all about the long-term vision.

It’ll take time to get legitimate results, especially if you’re a new brand.

But if you don’t need mega results right away and are more interested in the long game, SEO totally makes sense.

Here’s what you can expect by engaging in an SEO campaign:

seo generates revenue for months

The first month’s results are probably going to be pretty puny.

But things typically start to heat up at around the six-month mark.

That could be considered the tipping point.

If you’re in a position to wait a bit until big leads pour in, SEO is usually your best bet.

When you should focus on PPC first

The way I see it, a PPC-first campaign needs to have two components in place.

You should A) have a sizable budget and B) be looking for lightning quick results.

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Once you launch your campaign, choose your keywords, choose your budget and set up your ads, you’re likely to get a significant influx of traffic.

Sometimes, this can happen in as fast as 24 hours.

Just like that, your brand is exposed to your target audience with minimal heavy lifting on your part.

As long as you follow best practices, you should see a favorable ROI with PPC.

Although it’s probably going to cost you more than it would with SEO, the payoff is much quicker, and you can save yourself a lot of time and energy.

If you choose to go the PPC route, I should point out you’re by no means stuck with Google AdWords.

Don’t get me wrong, AdWords is still viable and can definitely produce results.

But I’m seeing more and more marketers opt for Bing Ads these days because it’s less expensive than AdWords and can help marketers reach a different demographic.

Google vs Bing

And as you can see with this quick search for “camping tents,” there’s plenty of prime real estate for your ads on Bing.

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Facebook now has a robust advertising platform as well, and with two billion monthly users, you’re practically guaranteed to reach your audience.

Check out this post I wrote to learn more about Facebook advertising.

For more ideas on alternatives to AdWords, refer to this guide from PPC Hero.

Conclusion

When a brand is initially launching its marketing campaign, two strategies that usually receive first consideration are SEO and PPC.

Both can get results, but they accomplish it in two very different ways.

SEO is all about planting a seed and waiting for the fruit to grow.

It takes awhile, but your brand can be positioned well once you gain favorable rankings in the SERPs.

The best part is the exponential growth many brands experience once they get over the SEO hump.

PPC, on the other hand, is all about an instant payoff.

It requires a larger upfront investment, but the results are almost immediate.

You can essentially go from being a no name brand with zero sales to crushing it with PPC overnight.

The only issue is it will cost you, and it lacks the sustainability of SEO.

I wish I could tell you which tactic is best for every single brand 100% of the time.

But things are seldom this black and white.

Choosing which tactic to focus on first depends on several variables and specific goals you have for your marketing.

However, examining the pros and cons, while looking at all the angles, should give you a good idea of what’s best for your brand.

If you were launching a new campaign, would you be more likely to go with SEO or PPC?



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Frugal? Cheap? Financially Independent? Minimalist? What’s the Difference?

During a recent interview I did for an article at CBS MoneyWatch, the reporter took the conversation in an interesting and unexpected direction. She wanted to hear how I defined some terms that are often used in my writing and in the personal finance writing of others.

The terms she fired off included frugal, cheap, minimalist, and financial freedom, and she particularly wanted to know what I felt the differences between the terms were.

It was a good question, one that left me pausing several times and giving slow answers as I tried to quickly piece together my thoughts. I’ve talked about “frugal” versus “cheap” in the past, but putting them in context with the other terms presented a new challenge, one that I felt offered some insight into how different people look at the challenge of spending less than they earn.

So, let’s break it down.

Frugal A person who is frugal is a person who is committed to making choices that result in spending less money, but the other consequences of those choices don’t have a significant negative effect on other aspects of their life. A frugal person tends to recognize that there are other resources in life – time, energy, friendship, love, health, contentedness – and that many money-saving tactics tend to draw so heavily on those other resources that they end up being a net negative overall.

A frugal person strives for solutions that have the best possible impact on all of life’s resources, with a strong but not complete focus on money. A frugal person, for example, might haggle for a lower insurance bill, but wouldn’t serve dried out bread to a friend. A frugal person might reuse a takeout container, but won’t invest the time to wash a flimsy sandwich bag. A frugal person is usually willing to make small sacrifices of their own resources – time, energy, and so on – to save money, but they generally won’t impinge on others to do so, nor will they sacrifice large quantities of their own resources to save money.

Cheap A cheap person is a person who is committed to the value of saving money to the extent that they accept some pretty strong negative ramifications in other aspects of their life. They’re quite willing to invest undue time or expend a ton of energy to save a dollar; they’re willing to give themselves a negative social stigma or to impinge on friendships in order to keep a few dollars in their checking account.

A cheap person strives for solutions that have the best possible impact on one’s dollars and cents, disregarding the impact on life’s other resources. A cheap person will serve stale bread to a friend because the stale bread is free. A cheap person will demand to do the least expensive thing when in a social situation, regardless of what anyone else in the group thinks. A cheap person will spend an afternoon repairing a $2 piece of equipment. To me, cheap has a negative connotation, as it refers to a person who often doesn’t consider the value of their time, their energy, or the friendship and goodwill of others.

Minimalist A minimalist person, on the other hand, strives to minimize one’s physical possessions and, typically, personal commitments, in order to live a more flexible life. Such a practice enables a person to live in smaller quarters if he or she chooses, to easily travel and move at a moment’s notice, to spend less time on housework and possession upkeep, and to thus have more free time and less stress brought on by managing possessions and commitments.

Often, minimalism overlaps with frugality, because minimalism often results in spending substantially less money on possessions. In general, minimalists tend to have a smaller number of possessions, but the ones they do have are well made and long lasting.

A minimalist strives for solutions that result in less time and energy spent on upkeep. A minimalist tends toward having fewer possessions and spends little money on acquiring new ones, though when a minimalist does acquire a new possession, it’s usually well researched and well made and can often be expensive. A minimalist applies the same approach to things such as financial accounts, friendships, business relationships, and so on – they tend to prefer a smaller number of higher quality elements in their life and strive to spend very little time on the rest. A minimalist tends to spend very little on housing compared to the average person and relies on public spaces for most interactions with other people. A minimalist philosophy tends to be drawn from other places besides personal finance, but the results of such a philosophy tend to have a great positive impact on one’s finances.

Financially Independent A person striving for financial independence (or financial freedom) has a primary goal of reaching a point where the income from their investments pays for their living expenses, and arriving at that “crossover point” as quickly as possible. That person is likely to draw a lot of tactics from frugal people and perhaps some from minimalists, but also tends to have a strong career focus as their drive to financial independence is pushed along by having a healthy income.

A person striving for financial independence is focused on achieving the widest gap possible between their spending and their income and prefers solutions that maximize that gap. People focused on financial independence are something of a subgroup of frugal people and of cheap people, depending on how much they value financial independence compared to social status and relationships. However, rather than simply having an aim of conserving resources, financial independence people are also focused on strongly propping up their salaries, because they’re truly interested in the gap between income and spending, not just lowering spending.

Here’s how I look at the four groups.

The other three groups borrow tactics from the frugal person. The frugal person here is kind of the baseline person that everyone else borrows ideas from. I basically view the frugal person as being the “overlap” of the other three perspectives, as the frugal person can swap ideas with all of them. A person committed to just frugality won’t use some ideas that the other three people might share, but most of the ideas that a frugal person has can be used by the other three.

However, the four groups are close enough in philosophy that they can likely share a lot of ideas with one another. All of them are, in the end, interested in conserving resources, of which money is a particularly notable one. The frugalista has things to learn from the minimalist, and vice versa. The financial independence person can learn a lot from the cheapskate, and vice versa. The trick is that each person has a “filter” in place to toss out the incompatible tactics from the other person.

Only the “cheap” person really has a negative social impact. The other three tend to put significant value on maintaining friendships and avoiding social negatives, for various reasons. The frugal person tends to account for the impact on things such as relationships when deciding if a tactic is worthwhile. The minimalist rarely makes decisions with negative social impact. The financial independence person usually sees relationships as a source of positive value that can be used to increase the gap between income and spending, so they’ll cultivate relationships rather than alienating them. It is only the cheapskate, valuing money above all else, who makes spending choices that can alienate others socially.

I identify myself as frugal leaning toward financial independence. I think that, at a different stage in my life, I would have committed hard to minimalism, and I still borrow some tactics from there, but I would not call myself a minimalist. I am not interested in being “cheap,” at least not as I define it above.

Because of that, I match well with frugal readers and financial independence readers, while other readers who may be cheapskates or minimalists will find some significant value but may have to filter ideas. That’s because we’re all built differently! We don’t have exactly the same values or goals, and some tactics work well for some but don’t work as well for others. A career-oriented person might find a lot of value in career tactics, for example, while a retired frugal person might not find much value at all.

The key is to find people you trust and know how to filter what they’re saying into what works for you. A person who subscribes strongly to minimalism is going to be able to find some real value talking to a person into financial independence, but not everything the financial independence person offers will be of value. The key is to know how to filter and also to know that the other person is trustworthy and offering genuine thoughts and ideas. You don’t have to do everything that the other person does; just borrow what works for you!

Whether you’re a frugal person or a cheapskate or a minimalist or a person seeking financial independence, you likely have plenty of overlap with the other folks and, with a bit of intuition, you can figure out what strategies work best for you and which ones can be skipped over. It’s through talking to people looking at the same problems from a different viewpoint that we can sometimes find the best solutions for ourselves that we didn’t see before.

Good luck!

The post Frugal? Cheap? Financially Independent? Minimalist? What’s the Difference? appeared first on The Simple Dollar.



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29 Very Real Thoughts We’ve All Definitely Had While Grocery Shopping

Grocery shopping is one of those things you either love or hate.

And I tend to hate it.

I always have to squeeze the necessary chore into my evenings, which I’d rather spend on my couch with my cat. And I always, always forget what I went for, which requires me to return that same night or the following day.

The worst part is when I run into someone I know — or knew. It’s always when I’m the least presentable, and I just imagine them telling their family later on: “Wow. She’s really gone downhill. You wouldn’t believe it.”

I was just trying to get some bread and milk. Jeeze.

29 Thoughts You’ve Probably Had While at the Grocery Store

To capture the never-ending frustration that is the grocery store, I put together a list of very real thoughts that run through my (or my co-workers’) heads while slogging through the cold aisles.

  1. Cart or basket, cart or basket? Basket. It’ll encourage me to buy less.
  1. Mmmm… that fried chicken smells so good. Nope. Focus. Vegetables.
  1. Shoot. I forgot my shopping list again. Let’s see what I can regurgitate…
  1. Why does every grocery store put the bakery next to the produce? Yes, I’ll take freshly baked carrot cake over carrots any day.
  1. I’m not a kid, nor do I have one, but can I get one of those free cookies? Please? I’ve had a rough day.
  1. Gosh, why do I always fail to eat before grocery shopping? Even that cantaloupe looks appetizing…
  1. Why didn’t I just get a cart? I always need a cart.
  1. Did I go to high school with that kid?
  1. Yup. I didn’t need anything in the aisle anyways…
  1. Oh, I love this song! *starts dancing*
  1. What ever happened to those coupon machines we played with as kids?
  1. Are rice cakes actually this expensive? They’re basically cardboard…
  1. Why in the heck am I paying $22 a gallon for goat’s milk?

(OK, let me explain that one. I polled my co-workers about thoughts they have while at the grocery store. One of our web developers confessed this one, and we’ll forever be wondering why he pays $22 a gallon for goat’s milk, too.)

  1. Ugh, seriously? Why do I see everyone I know when I don’t put on real clothes?
  1. Crap. The only two coupons I managed to cut are sitting on the kitchen counter.
  1. *Hides in vacant aisle and takes out phone* Time to search Ibotta for some cash-back offers.
  1. Hmm… I wonder how long I’m going to have to wait for someone tall to come help me reach this jar of peanut butter?
  1. Related: Why do they stock back pain medicine on the bottom shelf?
  1. WHY CAN I NEVER FIND THE HONEY?!
  1. How am I going to fit all these BOGO frozen pizzas in my freezer?
  1. Note to self: Remember to wear a bra the next time I venture down the frozen food aisles…
  1. Hmm… which checkout line is going to be the fastest? I’ll race this woman.
  1. Is this man in front of me really buying $800 worth of groceries? (This actually happened to me once. I had two items in my hand.)
  1. Now he’s going to argue about this expired coupon?
  1. HE’S WRITING A CHECK?!
  1. CRAP. I forgot my reusable bags again. I’m an awful human. Please don’t judge me.
  1. Why, yes, I’d love help out to the car. In fact, can you just come home with me and put these groceries away for me, too?
  1. *Walking out the door* Crap. I forgot to get my prescription. That’s why I came here in the first place.
  1. I guess I’ll come back tomorrow.

7 Ways to Avoid These Uncomfortable Feelings

OK, I probably sound like a crazy person at this point, but honestly, the grocery store is a pretty lousy place to spend your evening.

But do you have any other choice?

You do, actually.

There are tons of ways to order your groceries and get them delivered right to your door. Plus, you can save tons of money by doing this if you use the right platform.

Let me break down a few online grocery options for you.

1. Go Organic with Thrive Market

If you opt for organic, Thrive Market might be your new best friend.

The online grocery store offers only organic, healthy products — from Justin’s almond butter to essential oils. They’re all discounted, too, so you can save a good bit of money.

If you haven’t experienced Thrive yet, you can get a 30-day free trial through this link and 20% off your first three orders. After that, you’ll pay $59.95 for a full year, which helps Thrive keep prices down and pass on the organic savings to you.

Thrive members report saving an average $200 a year — a pretty good deal for a healthier diet! If you don’t make your membership fee back in savings by the end of the year, Thrive automatically gives you the difference in Thrive Market credit after you renew.

2. Add More Items to Your Car With Jet

This online shopping platform is fun because the more you add to your cart, the more discounts you get. You just need to know when to stop…

We put together a hypothetical cart for you here. You’ll see all the discounts you can get on essentials, including nearly $6 off Folgers coffee.

Shipping is free if your order is over $35.

3. Go Bulky With Sam’s Club

If you like to buy in bulk, look into ordering groceries from Sam’s Club.

Peruse a number of categories from fresh or organic food to barbecue must-haves. You can opt to pick the groceries up in store or have them delivered to your door via UPS or FedEx.

Remember, you’ll need to have a membership, which is $35 a year.

4. Amazon Sells Everything, Duh

It’s no surprise that Amazon is already dominating the grocery business (even before this takeover of Whole Foods).

Navigate over to Amazon Fresh, where you can search for anything and everything — even fresh produce and deli meat.

Sure, it’s convenient, but it’ll also cost you a pretty penny. You’ll have to pay for a Prime membership if you don’t have one already (psst here’s a discount) as well as Amazon Fresh, an additional $14.99 per month. In total, that’ll be $25.98 a month.

The service is only available in select cities now, so stay tuned if you’re willing to splurge.

5. Pick Up Your Groceries from Walmart

Do your grocery shopping online through Walmart Grocery. Then, schedule your pick-up time.

Yeah, yeah… you’ll have to leave the house and go to Walmart for this option, but you don’t have to leave your car if you don’t want; someone will load the groceries for you.

Find out if Walmart Grocery is available in your area. If not, other grocery stores are adopting this practice, so just look into your regional favorite.

6. Try a Food-Delivery Kit

If groceries aren’t your thing, period, and you can’t afford to hire a personal cook, try a food-delivery kit like Hello Fresh.

You can opt in for three, four or five meals a week. You’ll get a box of the farm-fresh ingredients right to your door. Then, all you’ve got to do is whip it up. (It comes with specific directions, so don’t panic.)

You can get $35 off your first order.

Not into HelloFresh? We tried (and compared) a few other food delivery kits, too.

7. Get Your Prescriptions Delivered to Your Door

Honestly, thought No. 28 is me all the time. And there’s no way you can run to the market down the road or just get it tomorrow if your prescription ran out.

You’ve got to go back, and you’ll probably have to wait in line.

However, prescription delivery services are becoming more and more popular. Using a site like Phil allows you to not only compare prices but it also alleviates the pain of going back and forth between your pharmacy, doctor and insurance company.

Then, you’ll get your prescriptions when you need them right to your door — with free delivery.

If you want to give the service a try, you can get $20 off your first order now.

Now, you can stop worrying about running into that long lost love you’d hoped you’d never see again or getting stuck behind that guy who won’t give up on checks already…

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. Her favorite part of going to the grocery store is leaving it.

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



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