10 Ways to Save Money Eating Out at Restaurants

In many books and articles about saving money, a common piece of advice about dining out is simply, “Don’t do it.” After all, when you eat out, you’re not just paying for the food – you’re also paying a hefty markup to have it cooked for you and served to you.

According to The Wall Street Journal, to make a profit, a restaurant generally has to charge about four times as much for a dish as it paid for the ingredients. So even if you can’t buy the ingredients as cheaply as the restaurant can, you’re still bound to pay less by doing your own cooking.

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10 Best U.S. Cities to Live In Without a Car – Benefits of a Car-Free Lifestyle

According to the 2015 edition of AAA’s Your Driving Costs, the average annual cost to own and operate a vehicle in the U.S. is $8,698. This includes fuel, maintenance, tires, auto insurance, license and registration fees, taxes, depreciation and finance charges – but not the cost of vehicle storage or parking your car at a meter.

Even a small sedan like a Honda Civic or Ford Focus can set you back $7,606 annually, while a large vehicle like a Ford Explorer or a Jeep Grand Cherokee has a yearly expense of $11,931. The cost of owning and operating a single car can exceed the monthly food costs for a family of four, while operating two cars in a family can generate costs greater than the average mortgage payment in the United States.

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Chase Freedom® Credit Card Review

There are a number of reasons why the Chase Freedom® card is commonly referred to as “the king of cash back cards.” It’s the first card to give consumers control over the rewards they earn and the spending that brings those rewards. For this reason alone, the Chase Freedom card has become not only the leader of the pack, but the trendsetter in cash back rewards credit cards.

To maintain its reputation and remain competitive, Chase strives to introduce new and better benefits for its Freedom cash back card – but is it still king?

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Blue Cash Everyday® Card from American Express – Review

Unlike other rewards cards, the Blue Cash Everyday® Card from American Express (a Money Crashers partner) is specifically designed to reward you for ordinary, everyday purchases. Instead of requiring that you monitor rotating categories or make infrequent travel purchases to rack up points, it attempts to provide a simple framework to reward you for using the card – but does it deliver?

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Key Features

  • Sign-up Bonus. As a new cardholder, you earn 100 reward dollars – which translates to a $100 statement credit – if you spend $1,000 within your first three months.

8 Best Cash Back Credit Cards – Reviews & Comparison

credit card cash pocketAmong rewards credit cards, cash back cards are the most popular. Instead of offering bonuses that can only be redeemed for airline miles or hotel stays, cash back cards reward you for your purchases with actual cash that, for the most part, can be used however you like.

An important factor in determining which cards are the best cash back credit cards is how much cash is received per dollar spent, and whether it is possible to earn enough cash back to compensate for the cost of carrying the credit card. Keep in mind that in order to maximize your earning potential on any reward card, it is recommended that you pay your balance in full each month in order to avoid paying interest on purchases.

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Business Platinum Card® from American Express OPEN – Review

Like many of the American Express cards, The Business Platinum Card® from American Express OPEN (a Money Crashers partner) provides prestigious amenities and benefits designed to focus on comfort, in addition to providing monetary value. The Business Platinum card carries one of the highest annual fees of any credit card or charge card, but if you value the perks of carrying an American Express card, you may find it to be worth the annual fee.

It is important to understand that the Business Platinum card is a charge card, rather than a credit card. Charge cards typically require payment in full each month with no option to carry a balance and no preset spending limit.

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

Discover 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

Despite 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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The Business Gold Rewards Card from American Express OPEN – Review

Plenty of credit cards and charge cards are designed to help small business owners earn rewards for their purchases. However, the value of the card you choose depends on the specific needs of your operation.

The Business Gold Rewards Card from American Express OPEN (a Money Crashers partner) rewards both travel and business-related purchases. And, because it’s a charge card, no preset spending limits or interest charges are imposed as long as you pay your balance in full each month.

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Key Features

  • Sign-up Bonus. If you spend $5,000 within your first three months, you are awarded a bonus of 25,000 Membership Rewards points – redeemable for $250 in gift cards.

Discover it® Card for Students – Review

Student 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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