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9 Ideas for Hanging Out With Friends on a Tight Budget

By Michelle Smith

socializingIgnoring a friend’s phone call is a terrible thing to do, but I’ll admit I’ve done it for financial reasons. It wasn’t because I borrowed money I couldn’t repay, nor was I worried a friend was calling for a loan. The problem is that friendships are often like expensive subscriptions – it feels like you only get access when you pay your dues. And in the case of friends, dues come in the form of spending money.

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How to Choose the Best Gym Membership – Costs & Ways to Save

By Ellen Gans

gymIt’s no secret that the rates of obesity in the U.S. are staggering. According to the National Institutes of Health, more than two-thirds of American adults are overweight, and more half of those individuals are clinically obese. Carrying extra weight is associated with a host of health complications, including heart disease, stroke, diabetes, and even some types of cancer. According to the Centers for Disease Control (CDC), these complications are behind some of the most common – and most preventable – causes of death.

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5 Best Types of Natural Cat Litter – How to Choose, Reviews

By Amy Livingston

cat litterThere’s no way around it: owning a pet isn’t cheap. According to the American Society for the Prevention of Cruelty to Animals (ASPCA), new dog owners spend spend around $1,300 to $1,850 the first year, while cat owners typically spend more than $1,000.

Cat litter accounts for a surprisingly large chunk of that total cost – about $165 a year. In fact, the average cat owner actually spends more on litter than on food.

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14 Tips for Flea Market Shopping – What to Do & What to Avoid

By Mallory Hall

flea marketFlea market shopping can be both challenging and exciting, much like shopping at a garage sale, since you never know what you can find. Whether it’s held in a huge parking lot outside or in a smaller venues indoor, markets are often crowded.

But whatever the venue, there are certain tips, tricks, and things to avoid in order to make the flea market experience truly exciting and worth your time. Consider what to do and what not to do before you head out to ensure a successful, comfortable, and efficient experience.

What to Do

1. Plan Ahead

In order to have the most success at the flea market, plan ahead by taking the following steps:

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What Is Estate Planning – Basics & Checklist for Costs, Tools, Probates & Taxes

By Mark Theoharis

estate planning papersBen Franklin once famously quipped, “In this world nothing can be said to be certain, except death and taxes.” And while millions of Americans spend inordinate amounts of time worrying about their income tax returns every year, death is one of the areas that few people talk about, much less take time to prepare for.

Nevertheless, the immutable fact remains that yes, you will die, and yes, you need to start thinking about it sooner rather than later. In fact, now might be the perfect time to begin forming your estate plan.

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True Cost of the 10 Most-Prescribed Drugs – Why You May Not Need Them

By Katherine Grayson

prescription drugsIf you’re like many Americans, you take at least one prescription drug regularly – maybe even two or more. According to a 2013 study reported by the Mayo Clinic News Network, nearly 70% of adult Americans rely on at least one prescription medication. More than 50% regularly use two, while 20% can’t make it through the day without five or more. In fact, spending on prescription drugs rose an astounding 13% in 2014 to $374 billion, according to the IMS Institute for Healthcare Informatics.

Are we as a nation succumbing to ever more serious illnesses? Maybe. But there could be more to it than that.

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How to Invest in Art – Types, Pros & Cons, Buying & Selling

By Arto Baltayan

fine artThese days, many long-term investors look to diversify their portfolios by investing in different, even exotic, asset classes. Some prefer to put their money in rare coins and jewels, while others invest in fine wines. One investment class quickly gaining in popularity is artwork. Not only can fine art enhance your home décor and evoke powerful emotions, it can appreciate in value simply by hanging on your living room wall.

The myths about investing in art have always kept the average person from entering this potentially lucrative venture. “I don’t know anything about art. Investing in art is only for the rich. What if I get ripped off?” These are all legitimate concerns, but they can be quickly broken down with a bit of research and knowledge.

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Discover it® chrome Credit Card Review – 2% Cash Back on Gas & Groceries

By Christina Majaski

discover it chromeDiscover it® chrome is the newest addition to the Discover card family, providing an alternative to its current rewards card opportunities.

Chrome includes many of the benefits that Discover cards are known for, such as low fees and a slightly different reward structure than is standard for cash back on gasoline and grocery store purchases.

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Key Features

  • 2% Rewards on Gas & Groceries. The Discover it chrome credit card awards 2% cash back on up to $1,000 in gasoline and grocery store purchases every quarter. Quarters begin on the first day of January, April, July, and October. All other purchases (and purchases made after the $1,000 cap) earn an unlimited 1% cash back. Cash back rewards do not expire.

Discover it® Credit Card Review – 5% Cash Back Rewards

By Christina Majaski

discover itDespite being popular among college students and consumers interested in cash back benefits, the now discontinued Discover More card did have a couple of minor downfalls, including the fact that you could only earn 0.25% cash back on the first $3,000 spent outside of bonus categories. The Discover it® Card just may provide solutions to these issues while still hanging onto one of the greatest benefits of the Discover More card: 5% cash back rewards.

At first glance, the “it” card may seem to have addressed all the disadvantages of its predecessor – but is it in fact the ideal cash back card, or are we looking at yet another credit card that has its own unique set of flaws?

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Discover it® Card for Students – Review

By Christina Majaski

discover itStudent credit cards are designed to assist college students with little or no credit history in getting somewhat of a jump on building their own credit. However, in order to avoid establishing bad spending habits and lifetimes of debt, these cards need to be low-fee, low-interest rate credit cards – which is not always possible with cards that also provide rewards programs. The Discover it® for Students succeeds in addressing these needs.

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Best New Bank Account Promotions, Offers & Free Money

By Money Crashers

stack cashWith many financial institutions experiencing a decrease in profits, banks are vying for your business. This is good news for you, because instead of just offering standard perks like no fees, free checking, or a free pen when you sign up for an account, some banks are raising the stakes with cold hard cash, giveaways, and great interest-bearing products.

June is a good month for bank promotions from both big and small banks. Banks are giving away a lot of free cash to attract new customers and get them to open up accounts. The banks listed below have some pretty sweet deals that you should take advantage of if you are in the market for a new bank.

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Discover it® chrome Credit Card for Students – Review

By Christina Majaski

discover it chromeDiscover Card has included two new credit cards: the Discover it chrome and Discover it chrome for Students. The Discover it® chrome for Students includes features commonly found with Discover cards, such as the benefit of low fees and a rewards program for earning cash back on purchases.

However, the biggest difference between the Discover it for Students and the chrome version is that chrome offers a different and possibly better rewards program.

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Key Features

  • Fees. There is no annual fee for the Discover it chrome for Students card. The balance transfer fee is 3%. There is no foreign transaction fee.

How to Save Money by Living Green – Saving Electricity, Gas & Trees

By Amy Livingston

go greenThese days, green living is a hot topic. Scan the pages of a range of publications, and you’ll see stories about how people and businesses are working to save water, save energy, and generally save the Earth. But what you won’t always hear about is what else they’re saving: cold, hard cash.

Too often, it seems like making your life greener means spending more: loading up your cart with organic produce at Whole Foods, or shelling out big bucks for hemp-fiber blue jeans. But that needn’t be the case. One of the best ways to be more eco-friendly is to cut back on your use of energy and natural resources – which cost money. In taking steps to protect the environment, you can protect your wallet as well.

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How to Deal With Bad Tenants – 13 Problems Landlords Face

By Mallory Hall

rental propertyTenant problems plague landlords every day. However, reducing rent to maintain good tenants and evicting problem tenants may not be the best courses of action.

While lower rents obviously affect a landlord’s profitability, evictions are also expensive and can cost a landlord time, money, and resource to conduct. In addition to the basic turnover expenses such as marketing, lost rent, new paint, and appliance repairs, attorneys’ fees for evicting a tenant can be outrageous. Also, a tenant may vent his or her anger by purposefully damaging the property.

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8 Ways to Buy Natural Organic Food on a Budget

By Amy Livingston

organic1As Kermit the Frog so famously said, it’s not that easy being green. You want to do the right thing for yourself, your family, and the planet, but often it seems like every green choice you make just pulls more greenbacks out of your wallet.

Take organic foods, for example. A study by Consumer Reports shows that, on average, they cost about 47% more than conventional versions of the same foods, which are grown using synthetic pesticides and herbicides. However, the price differences vary widely from food to food. For instance, one store’s organic zucchini costs more than four times as much as its conventional zucchini – but other foods, such as honey and maple syrup, can actually be cheaper when you buy organic.

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The content on MoneyCrashers.com is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. We may have financial relationships with some of the companies mentioned on this website. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors.

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