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Tag: save money

  • How to Stop Impulse Buying: 12 Ways to Quit Mindless Shopping

    How to Stop Impulse Buying: 12 Ways to Quit Mindless Shopping

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    Are you prone to impulse buying?

    Have you given in and made random, unnecessary purchases that eat into your potential savings without forethought?

    That could be why you can’t seem to recall what happened to that $20 bill in your wallet or how your budget got so off balance.

    Impulse buys add up — your morning $6 Starbucks pick-me-up, the stylish $30 bag you saw and just had to have during your Target grocery run, the $5 cookies you bought from the Girl Scouts — it’s a good cause, right? — and the $9 you spent at Chipotle when you decided to grab a burrito on the way home because you’re too tired to cook.

    Before you know it, you’ve spent $50 over the course of the day on impulse buys. It happens to the best of us.

    Retail marketers are trained in sneaky tactics that influence our urge to buy. Our personalities and moods can also lead to impulse shopping — retail therapy is real. In an article in Psychology Today, public health specialist Elana Sandler wrote that retail therapy can be a beneficial way to feel renewed, especially in difficult times.

    No matter your trigger, it’s important to become more conscious of your spending habits. Imagine how much better off your finances would be if you saved every penny you mindlessly spent on stuff you don’t really need.

    How to Stop Impulse Buying

    Find yourself getting sucked into frivolous spending? Here is some practical advice you can put into action to keep more money in your wallet.

    1. Get Serious About Your Budget

    Have a clear picture of your finances and review them monthly, if not weekly. Everyone can use a little help or motivation with budgeting, and there’s an app for that. Or, use the cash envelope method to help stick to the budget you’ve set. When you have defined financial goals and a budget to match, impulse buys will be harder to justify.

    Unless you have the self-discipline of a monk, there are going to be times when you want to indulge just a little bit. A budget that only covers basic life essentials? Not fun. Add room in your budget for discretionary spending. That way you can make those random purchases without feeling guilty.

    2. Set a Goal That Inspires You to Avoid Spending

    All those little impulse buys can drain your savings or leave you paying off debt instead of enjoying what you love. Maybe that’s a much-needed vacation. Then plant reminders around your home and in your wallet to remind you why you don’t really need that impulse buy. It could be photos of your dream destination or silly things like a straw hat and sunscreen — anything that reminds you that you have bigger plans for your cash.

    3. Ask Yourself if Every Purchase Is Worth It

    Before you reach for your debit card (or hit the purchase button if you’re shopping online), ask yourself a little question: Is this worth it? You can even attach a sticky note with that question to your credit card. If it’s a $3 magazine that’ll keep you from being bored to death on a flight, then maybe that answer is yes. If it’s a pair of shoes that cost the equivalent of an entire day’s pay and you’re already stressed about debt, then take a hard pass.

    Staying aware of your goals can steer you away from unnecessary purchases. If you’ve got it on your mind that you want to get out of debt in 12 months, you may not be as inclined to buy that $15 graphic T-shirt.

    Shifting your way of thinking can snap you out of the habit of mindlessly buying stuff you don’t need. Take a moment to consider what you’re spending money on and why.

    4. Delete Your Ordering Info From Retail Websites

    Online retailers want buying to be as simple as the click of a button. They offer to save your debit or credit card information so you don’t have to pull out your card and type in a bunch of numbers each time.

    If you’re trying to fight impulse shopping, however, taking that additional step gives you more time to reconsider your purchases. Remove your financial information from online sites to prevent effortless impulse buying.

    5. Put Parental Blocks on Your Own Devices

    You don’t have to have kids to find the benefit in parental control settings. Block your favorite retail sites or set up purchase restrictions for the App Store or Google Play. Sure, you’ll know the code to circumvent the parental controls, but having that extra layer to get around might deter you from buying on impulse.

    Removing retail apps from devices altogether can also help.

    Getty Images

    6. Unsubscribe From Emails and Text Alerts

    Oh, the temptation of all the deals. That email for 30% off all footwear that just popped up in your inbox has you dreaming about getting new sandals, even though you already own several pairs. Did someone tell them shoes are your weakness? Avoid the trap by unsubscribing from email lists or text alerts from shops, restaurants or businesses you know will be hard to resist. There will always be another sale.

    Pro Tip

    Take advantage of deals when the purchase makes sense for your budget, not just due to fear of missing out.

    7. Understand the Tricks Retailers Play

    The shops you frequent have entire marketing teams working to entice you to buy through product placement and other clever strategies. If you’re trying to save money, fight against the temptation.

    That can mean ignoring the pretty displays for stuff you didn’t think you needed until you saw it. Or perhaps taking a closer look at that “great sale” turns out to be for a product whose packaging has shrunk, making it easier to walk away. And those outlet mall deals might not be such a steal.

    Teaching yourself to be a shrewd shopper can help you avoid being lured by clever marketing.

    8. Shop With Your Financial Accountability Buddy

    A friend or family member who’s aware of your financial challenges and goals is the perfect person to bring along on shopping trips. Your accountability buddy can reign in your tendency to overspend on the unnecessary. Just make sure it’s someone who’s not afraid to speak up on your budget’s behalf.

    9. Carry a Limited Amount of Cash

    If you tend to rely on your credit card to cover impulse purchases when you’re shopping, switch to cash and only carry the amount you need for that day.

    Using your credit card for impulse purchases only adds extra cost — in the form of interest — to something you didn’t need to buy in the first place. You could literally freeze your cards in a block of ice, shred them to pieces or simply keep them hidden away at home.

    Stick with cash only, plan your purchases in advance and take only the amount of money you’ll need for that one shopping trip.

    10. Give Yourself Time Before Deciding to Buy

    That gotta-have-it-now feeling is what leads so many of us to buy things on impulse. But pressing pause on buying is often all it takes to realize what we’re craving isn’t something we really must have. Some people implement a 30-day rule — delaying a purchase for about a month — but you can really give yourself any length of time.

    Pro Tip

    When shopping online, use the Google Chrome extension Icebox, which prevents you from making immediate online purchases, giving you time to reconsider how you’re spending your money.

    While you’re waiting, take inventory of what you already have.

    You know that coffee mug with the witty saying you just had to buy? It’ll end up in the kitchen cabinet along with a dozen similar ones you already own. Coffee is life, but when you can fill up an entire dishwasher with mugs alone, you gotta start saying “no” to more.

    Taking stock of what you already own at home — whether it’s clothes, shoes, books or dishware — can help you put things in the right perspective when something attractive catches your eye while shopping.

    11. Track Your Daily Spending

    Don’t wait until the end of the month to analyze your spending and see if everything matches up to how much you said you’d spend in your budget. When you take note of what you spend each day, those unnecessary impulse purchases stick out like a sore thumb.

    12. Find Something You Enjoy Besides Shopping

    Many people treat shopping like a hobby or something to do to pass time on the weekends. Others use shopping as a cure for a bad mood, but turning to retail therapy as entertainment or to bring you joy could make you more vulnerable to impulse spending.

    Instead of shopping for fun, find activities to fill that void. Have a picnic in the park. Take a walk or meditate. Call a friend. You could even make some money by working out .

    When Impulsive Buying Becomes a Bigger Issue

    As Penny Hoarders, we hate losing potential savings to frivolous impulse spending, but a few spur-of-the-moment purchases every now and then aren’t the end of the world.

    If shopping habits, however, seem beyond your control or are becoming detrimental to your financial life, relationships or general feeling of well being, then you should seek professional help.

    A licensed therapist could help you manage impulsive behavior. Debtors Anonymous also offers support to those whose shopping habits lead them to unmanageable debt.

    Contributor Veronica Leone Matthews is a North Carolina-based freelance writer with 11 years of experience writing for non-profits and higher education. She covers lifestyle topics for The Penny Hoarder.  

    Nicole Dow is a former staff writer at The Penny Hoarder. 


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    veronicalmatthews@gmail.com (Veronica Matthews)

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  • Trying Dry January? Here Are 9 Ways to Use Alcohol Without Drinking It

    Trying Dry January? Here Are 9 Ways to Use Alcohol Without Drinking It

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    Have you heard of Dry January, or are you giving it a try? It’s an annual campaign to get people to pledge to abstain from alcohol for the month. This is actually Dry January’s 10th anniversary.

    Problem is, lots of us currently have a bunch of alcohol basically lying around the house — adult beverages left over from the holidays.

    You don’t have to drink that stuff, though! If you’re trying to start 2023 sober — or at least cut down on drinking — here’s what else you can do with that leftover wine, those unopened beers and the rest of the whiskey.

    9 Ways to Use Alcohol Without Drinking It

    We found plenty of ways to enjoy that alcohol that don’t involve imbibing.

    1. Make Martha Stewart’s Vodka Sauce

    A vodka company, of all things, has a new Dry January ad out featuring Martha Stewart demonstrating a bunch of tongue-in-cheek ideas for how you could use Tito’s Handmade Vodka around the house. You know, water your flowers with it, use the bottle as a hammer to tenderize steaks, etc.

    One of her suggestions is legit, though: “Add it to your pasta sauce for a little extra kick,” Martha says, stirring some red sauce and pouring some Tito’s into it.

    In all seriousness, plenty of cookbooks will tell you that a splash of vodka can really enhance the flavor of tomato sauce. The alcohol burns away, so you (and the kids) won’t get tipsy from this.

    2. Cook With Wine

    You’re not required to finish off that last wine bottle that no one got around to drinking over Christmas and New Year’s. There’s no sacred rule that says you have to drink it.

    There are so many ways to cook with wine! Red or white, it doesn’t matter — you can use it. Pair sauvignon blanc with seafood, pinot grigio with vegetables, chardonnay with chicken and mushrooms. Use a merlot or pinot noir for pork chops, a zinfandel or shiraz for roast beef or lamb.

    “A small quantity of wine will enhance the flavor of the dish. The alcohol in the wine evaporates while the food is cooking, and only the flavor remains,” advises What’s Cooking America. “For best results, wine should not be added to a dish just before serving. The wine should simmer with the food, or sauce.”

    3. Cook With Beer

    “As a baking liquid, beer is unsurpassed. It adds a lightness and buoyancy to biscuits, pancakes, cakes and a variety of homemade breads,” says an organization called the Beer Institute.

    And hey, if you can’t believe what the Beer Institute says about beer, what can you believe? We’re inclined to take their word for it.

    So don’t drain that last six-pack that’s hanging around. A little Googling will find you countless yummy recipes for cooking with beer — Guinness cheese dip, beer batter fish and chips, lobster rolls with IPA, a lager crust apple tart, etc.

    “Cooking with beer adds a deep, earthy flavor to savory dishes such as chili, soup, and stew; and a nutty, caramelized flavor to baked goods,” says the website AllRecipes.

    4. Cook With Liquor

    Last one of these, we promise. We’ll keep it short and sweet.

    Next time you’re in the mood to bake or cook, Google “vodka pie crust” or “whiskey mushroom gravy.” You won’t be sorry. This is an excellent use of any leftover liquor you have hanging around.

    5. Do What Bob Vila Would Do — Clean

    Ever heard of Bob Vila? He was the longtime host of “This Old House” and other home improvement TV shows. Way before today’s countless home improvement shows on cable and streaming, Bob Vila was The Guy when it came to home improvement.

    Anyway, his website suggests 10 alternative uses for alcohol at home — things like cleaning jewelry with gin, polishing faucets and sinks with beer, and cleaning tobacco pipes with whiskey.

    “You can find alcohol in cleaning products, polishes, and even fuels, so it’s not surprising that it has a bunch of practical uses around the home,” Bob Vila’s website says. “Its solvent properties give this versatile potable dozens of uses besides consumption.”

    The party doesn’t have to stop because you gave up booze — break out one of these fancy mocktails at your next happy hour or brunch.

    6. Use Beer on Your Hair

    No, really. Some people swear by this. It’s similar to the apple cider vinegar rinse that some people use on their hair.

    You can already buy shampoo or conditioner that has beer as an ingredient. The idea is that the beer’s malt and hops nourish your hair follicles. Some people skip the middleman and just pour the beer directly on their hair.

    “Even though claims that beer is good for hair are largely unproven in clinical research, there are some ingredients in beer that do provide certain health benefits,” says an article on Healthine that spells out this technique in detail.

    It suggests that you wash and condition your hair, then pour flat beer on your hair and massage it into your scalp. Then rinse your hair after 15 minutes or so.

    7. Loosen Rusty Bolts With Beer

    The website Thrillist offers up a list of 15 unexpected ways to use alcohol around the house.

    Our personal favorite: Use beer to loosen rusty bolts.

    “The carbonation in beer helps break down rust,” Thrillist says, “so if you have a stubborn bolt or anything else covered in rust, corrode it by pouring a few glugs of beer over it and waiting a few minutes for the rust to break down.”

    8. Use White Wine on Red Wine Stains

    The foodie website Spoon University has an interesting tip. In its article offering eight ways to use up alcohol without drinking it, Spoon University has advice for us red wine drinkers who sometimes spill just a little bit — oops.

    “Pour white wine onto the stain and then apply baking soda for a couple hours and you’ll be as good as new (aka ready for another glass of wine),” it advises.

    We have an aunt who swears by this, too.

    9. Use Beer to Get Slugs Out of the Garden

    Tired of slugs and snails in your garden? They eat your precious plants’ leaves and roots!

    Try this: Put out beer in little cups all around the area where these pests are feasting on your plants. Then let the slugs and snails climb into the little cups and drown in the beer. Apparently they’re attracted to the yeasty odors found in beer.

    Some gardeners will fill three or four plastic cups and then partially bury them around the garden, leaving the rims of the cups up out of the dirt.

    Use the cheap stuff, obviously. The slugs don’t care if the beer is a fine local IPA or if it’s Pabst Blue Ribbon.

    So there you go. If you’re trying to do Dry January for real, there’s no reason to let all that unused alcohol mock you.

    Show it who’s boss.

    Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.


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    mike@thepennyhoarder.com (Mike Brassfield)

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  • We Broke Down the Top 8 Grocery Delivery Services So You Don’t Have to

    We Broke Down the Top 8 Grocery Delivery Services So You Don’t Have to

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    By now most people are aware of the shopping process of buying groceries online and contactless delivery. But there’s more to it than filling an online cart and scheduling delivery times.

    Which grocery delivery services offer unlimited free deliveries? Which one allows you to order alcohol? Who offers fast delivery and great deals on in-store prices?

    Before you sign up, read each service’s COVID-19 updates to understand any changes in protocol as the world recovers from the pandemic. Several grocery delivery services have changed their minimum order or delivery fee. Two — Peapod and Amazon’s Prime Pantry —are no longer in operation nationwide. Kroger delivery has expanded into places where it has no physical stores, including Florida, where Publix dominates the grocery game.

    8 of the Best Grocery Delivery Services Compared

    There are many grocery delivery options out there, so you need to know which one is the best fit for your life and your budget.

    But it’s inconvenient and time-consuming when you have to dig around for pricing, restrictions, delivery times and other information about multiple stores to find the best grocery delivery service in your area. You can also get sucked into the novelty of ordering leeks and Lay’s through an app without thinking about the effect on your grocery budget.

    To cut through the marketing speak, we’ve broken down the details on what the best grocery delivery services offer around the country.

    Photo courtesy of Instacart

    1. Instacart

    What: Instacart grocery delivery is available from a variety of grocery stores in your ZIP code, including drug stores, pet supply stores and, in some areas, liquor stores.

    Where: Instacart delivers in all 50 states, plus Washington, D.C. Check out the full list of locations.

    Product pricing: Instacart’s rundown of available stores includes notes on each retailer’s pricing policy. While most locations offer “everyday store prices,” others make it clear that the convenience of Instacart means you’ll pay higher prices for groceries than you would in stores.

    Membership: Membership isn’t required to use the service, but if you’d rather skip the delivery fee every time you place an order, you can sign up for Instacart+. For $99 per year or $9.99 per month, you’ll get free delivery for every order over $35. The Instacart+  service also exempts you from peak pricing when Instacart is busy.

    Delivery fee: The delivery fee is between $3.99 and $7.99 per order for nonmembers. Orders under $35 cost more. If you want your order in an hour, there is an additional charge.Tipping your personal shopper is permitted.

    Coupon policy: Instacart doesn’t honor sale prices in stores or manufacturer’s coupons. Instead, it offers special promotions you’ll see when you log in to your account. Once you order the required amount or type of items, the discount automatically applies to your order.

    Want to deliver groceries? Many grocery delivery businesses such as Shipt and Instacart are still hiring.

    2. Shipt

    What: Shipt delivers products from a variety of grocery stores. Alcohol delivery is also available in some locations.

    Where: Shipt is available throughout the U.S.

    Product pricing: Shipt prices are slightly higher than if you had taken the trip yourself. “Our members can expect to pay about $5 more using Shipt than they would on a $35 order purchased in the store themselves,” the company’s website explains.

    Membership: Shipt charges you $99 annually or $10.99 per month for unlimited free delivery. You can also do a one time delivery for $10 per order.

    Delivery fee: Members must make a minimum order of $35 to get free delivery. If your order is less than that, you have to pay a $7 delivery fee. You could also be charged $7 for alcohol purchases. Tips are permitted. If you can wait a couple days for your items, Walmart+ members get free shipping with no order minimum on next-day, two-day and standard shipping on items shipped from Walmart.

    Coupon policy: Shipt offers in-app specials on items, but it doesn’t allow you to use manufacturer’s or store coupons.

    The Walmart sign is shown in this photo.
    Tina Russell/The Penny Hoarder

    3. Walmart Grocery

    What: Walmart has several  grocery ordering options. In some locations, you can have your Walmart grocery order delivered to your doorstep. In many more locations, you can place your order for a pickup window to get your groceries delivered to your car at the store. Some stores even allow you to pay for your groceries with an electronic benefit transfer card.

    Where: Same-day delivery is available in most states. Walmart lets customers reserve a time and store location for pickup in all states.

    Product pricing: Pickup at the store is free and products are priced the same as if you had shopped in the Walmart grocery store yourself, but there is a $35 minimum order. If you order groceries to be delivered to your home  there is a delivery fee of $7.95 or $9.95. If you use delivery and have an order under $35, you’ll pay a $5.99 fee.

    Delivery fee: Express Delivery is another option that costs $10 per delivery plus the $7.95 to $9.95 delivery fee. Your order usually arrives within two hours. The store recently stopped requiring an order be a minimum of $35 for Express Delivery.

    With Walmart+ the groceries will likely be same day delivery if you get a good time slot when you place your order. The service costs $98 a year or $12.95 a month. There is no fee for delivery, but the order must cost at least $35.

    If you are a Walmart+ member you only pay the $10 Express Delivery fee and not the additional $7.95 to $9.95 delivery fee.

    Coupon policy: Walmart does not accept coupons for pickup or delivery orders. If you use the Savings Catcher app, it’ll verify that you received the lowest possible price and give you reward dollars.

    4. Hungryroot

    What: Hungryroot is a subscription-based grocery delivery service that curates and delivers a box of healthy food to your door each week. It covers most of your groceries for the week, minus basics like milk and bread.

    Where: Delivery is available in most ZIP codes around the U.S., excluding Alaska and Hawaii.

    Product pricing: You’ll build a plan based on how much food you want to receive, and prices are personalized to your plan. The minimum order amount is $65.

    Membership: Membership plans start at $70 per week, which covers 3 two serving meals.

    Delivery fee: Hungryroot plans ship for free.

    Coupon policy: The company delivers Hungryroot brand foods, so you’ll have to find brand-specific coupons. Keep an eye out for its promos for free Ancient Grain Pancake Mix, Superfood Almond Butter and cookie dough.

    5. Thrive Market

    What: Thrive Market is a subscription-based grocery delivery service that delivers organic and non-GMO foods. It can cater to special diets and food allergies, including vegan, vegetarian, gluten-free, nut-free, dairy-free, Kosher, keto and more. It offers prepared meals and foods, nuts, pantry staples, and frozen meat and seafood. It doesn’t offer fresh fruits and vegetables.

    Where: Thrive ships to the 48 contiguous U.S. states via ground shipping.

    Product pricing: Thrive promises it’ll offer products at low member-only prices through its Savings Guarantee, which offers store credit if you don’t save at least the price of your membership each year.

    Membership: Membership is required and costs $59.95 per year or $5 a month. Students, teachers, military members or veterans, first responders and low-income families can apply for free membership through  Thrive Gives.

    Delivery fee: Shipping is free on orders of groceries over $49. There is a $5.95 delivery charge if your order is below $49. Frozen orders under $120 ship for $19.95 and wine orders under $79 ship for $13.95.

    Coupon policy: Thrive users report periodically receiving coupons for discounts on their full order. You can also receive store credit for referring friends, leaving product reviews and purchasing promotional items.

    A woman opens up a meal kit delivery box.
    Getty Images

    6. Boxed

    What: Boxed lets you save money on groceries by buying everyday brands in bulk for delivery without an annual membership. You can also get perishable items from your local grocery store delivered to your door through Boxed Express.

    Where: Boxed is available for home or business grocery delivery in the contiguous U.S. If you’re in an area eligible for Express, there will be an Express product selection shown on the website.

    Product pricing: Pricing is similar to what you’d pay at a warehouse store like Costco or Sam’s Club.

    Membership: Anyone can order from Boxed for free. With a Boxed Up membership for $49 per year, you’ll earn 2% cash back, free shipping on orders $19.98 and more, and exclusive discounts.

    Delivery fee: Shipping is free on orders of $49 or more for non-members. Boxed Up members pay no delivery fees on orders of $19.98 or more. There is no fee for Boxed Express.

    Coupon policy: Boxed does not accept manufacturer coupons, but you can find Boxed specific coupons in the “Coupons for You” section.

    7. Google Shopping

    What: Formerly Google Express, Google’s grocery delivery service is now part of Google Shopping. Shop and compare bulk and retail-sized non-perishables, including prepared foods, beverages and pantry staples from dozens of retailers. Check out through Google or at the store’s site. Each retailer handles its own delivery.

    Where: Delivery options depend on which store you shop with.

    Product pricing: Pricing is in keeping with online shopping prices for each retailer.

    Membership: No membership is required to shop through Google, though you may have to be a member to buy from clubs like Costco.

    Delivery fee: Delivery fees vary by retailer. Most retailers offer free shipping with a minimum order requirement.

    Coupon policy: Policies vary by retailer.

    8. Kroger

    What: Kroger has Ship, Delivery, and Pickup programs that give customers the choice of how they’d like to receive their groceries. With Delivery, you can have groceries, including milk and fresh produce, delivered to your door the same day you order, or schedule delivery for a later date. Ship allows you to order nonperishable items and have them mailed to your home in 1-3 days. If you choose Pickup, you can select a time slot and an associate will bring your items to your car.

    Where: Kroger Ship is available throughout the continental United States and includes P.O. and APO/FPO boxes. The availability of Delivery and Pickup varies by location.

    Product pricing: Prices on Kroger’s website will reflect the prices of your currently selected store and prices could change depending on your delivery/pickup day, current in-store promotions and other factors. The Kroger Ship service offers separate promotions on goods, but no wholesale discounts.

    Membership: There is no membership, but you’ll want to create an account so you get fuel points, discounts and digital coupons.

    Delivery fee: The Ship service is free with orders over $35. Under $35, the cost varies by location. Delivery charges $9.95 to $11.95 depending upon your location and Pickup has a $4.95 service fee on orders under $35.

    Coupon policy: Kroger Delivery accepts digital coupons. Clip them online and they will be automatically applied to your order. Kroger does not accept coupons on Ship orders. Currently, new customers can receive $15 off their first pickup or delivery order over $75.

    Other Delivery Services

    A sign of Safeway is shown in this photo.
    Tina Russell/The Penny Hoarder

    Some of the best grocery delivery services are only available in select cities or regions, so be sure to check the websites of your local stores.

    Here are a few we like:

    • FreshDirect: Get delivery of grocery staples, including fresh produce and meat, and wines and spirits, in New York, New Jersey, Connecticut, Pennsylvania, Washington, D.C., Delaware, and seasonally in the Hamptons and New Jersey.
    • Safeway: This favorite West Coast grocery store lets you order online for store pick up or delivery.
    • Amazon Fresh: Available to Amazon Prime members and Amazon Prime Student members in select cities, Amazon’s grocery delivery service delivers food, including fresh fruits and vegetables.
    • Publix: Select locations of the Southeastern grocery store offer grocery delivery and curbside pickup through Instacart. Publix also offers in-store pickup.

    What Is the Best Grocery Delivery Service for You?

    Each of the best grocery delivery services offers unique benefits depending on your grocery needs. To select a grocery delivery service for your household, consider:

    • Is it available in your area?
    • Do you want fresh produce and meat delivered, or only nonperishables?
    • Do you prefer to buy from local stores or national chains?
    • Do you like to shop around at different stores, or do you have a go-to grocery store?
    • Do you follow a special diet?
    • Does a service cover all your grocery needs, or only select items?
    • Do you prefer meal kits, curated orders or hand-picked groceries?

    If one of the best grocery delivery services  doesn’t cover all your needs, you can always use more than one. Just keep an eye on costs — multiple memberships could add up quickly and negate any savings you find.

    Lisa Rowan is a former senior writer and producer at The Penny Hoarder. Contributors Kent McDill, Katherine Snow Smith, Dana Miranda and Jenna Limbach contributed reporting to this story. 


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    lisa@thepennyhoarder.com (Lisa Rowan)

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  • Save in Your Slippers When You Shop the 10 Best Online Dollar Stores

    Save in Your Slippers When You Shop the 10 Best Online Dollar Stores

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    As inflation takes a bigger chunk out of everyone’s cash flow, dollar stores are increasingly attractive alternatives to traditional department or grocery stores. Who doesn’t want deeper discounts on everyday items? Not as enticing, however, is the idea of throwing on clothes and schlepping through bins to find bargains.

    Enter online dollar stores, where most products still cost just a dollar and can be purchased from the cozy comfort of your couch. If you’ve never considered virtually stopping by a dollar store online, here’s why you’re missing out on the good stuff.

    Are There Online Stores Where Everything Is a Dollar?

    Yes. But there are caveats.

    Most of the retail dollar storefronts you’re familiar with, such as Dollar Tree, Dollar General and Family Dollar, have a site for shopping online. And while these stores try to make sure items are as close to a dollar as possible, you’ll still find more expensive products that tip the scales at $2, $3, $5 or even $10.

    Many online dollar stores also require bulk purchases when you shop online for things like food and toiletries. Dollar stores online also usually require a minimum order to score free shipping.

    In the battle of the dollar stores, which one comes out cheaper? We crunched the numbers and compared how much you’ll save versus shopping at a traditional retailer.

    10 Best Online Dollar Stores

    You’re probably acquainted with dollar stores like Dollar General that are popping up in every strip mall in the country. But you may not be familiar with the online counterparts of these discount retailers. Here are 10 of the best online dollar stores where a little old dollar still goes a long way.

    1. Dollar Tree
    2. Dollar General
    3. Family Dollar
    4. DollarStore.com
    5. Dollar Fanatic
    6. Dollar Item Direct
    7. Dollar Days
    8. Miss A Cosmetics
    9. Five Below
    10. Oriental Trading

    1. Dollar Tree

    Best online dollar store for free pickup 

    Trip around long enough at Dollar Tree’s website and you’re sure to fill a cart with cute stuff you can’t stand to be parted from. Most of the food, beauty products and household supplies require buying in bulk, but you’ll save money on plenty of name brands worth stocking up on.

    Dollar Tree also offers a section called Dollar Tree Plus, where you can choose from $3 and $5 deals on kitchen products, cleaning supplies, home decor, craft supplies and toys. And since free expedited shipping isn’t really a thing, Dollar Tree will send your stuff to a local store for pickup free of charge.

    2. Dollar General

    Best online dollar store for auto-delivery savings

    Everyone has a Dollar General around the corner, so you might not have stumbled upon the retailer’s website. But you’d be missing out on savings for daily essentials like pet food and specialty items such as auto and hardware supplies, run as part of the Dollar Deals sales.

    Dollar General also has a hidden option to earn even deeper discounts for frequent online shopping. At checkout, choosing DG AutoDeliver means you’ll get free standard shipping on recurring orders over $25 as well as 5% off the regular retail price.

    3. Family Dollar

    Best online dollar store for coupon clippers

    Like most other dollar stores, Family Dollar offers a wide range of merchandise at bargain basement prices. Home decor, school and office supplies, and household supplies are a focus, but you can find just about anything on Family Dollar’s virtual shelves.

    In addition to a weekly circular that highlights savings, Family Dollar has smart coupons integrated right into the website. You can download digital coupons from a wide variety of sources to your Family Dollar account, then upload them at checkout and get the satisfaction of seeing those coupons slash your total.

    4. DollarStore.com

    Best online dollar store for cryptocurrency

    At first glance, DollarStore.com doesn’t appear to have an online storefront. But once you click into the store locator, it’ll pull up a network of online dollar stores near you. Most of these stores have a 30-day return policy and free shipping on orders over $35.

    Another attractive feature noted on DollarStore.com is that some of its stores accept cryptocurrency. So if you’ve got a hole burning into your crypto wallet, you can spend your virtual cash on a haul of dollar store stuff.

    5. Dollar Fanatic

    Best online dollar store for novelty items and toys

    Where else can you find T-shirts, toys and Trapper Keepers at some serious savings? Dollar Fanatic is a great place to pick up random finds, as well as out-of-date beauty and personal care products that are hitting the clearance bin.

    While not every item at Dollar Fanatic is strictly a dollar, you can go to the 11 for 10 section to get deals where you buy 10 items and get one free. In the 11 for 10 section, you’ll find everything from face masks to Funko Pops being offered up with free shipping for orders over $50.

    6. Dollar Item Direct

    Best online dollar store for wholesale 

    If you’re looking to stock a storefront, Dollar Item Direct is a good place to start. The site has a wide variety of inventory available, from camping equipment to scrapbooking supplies.

    Dollar Item Direct is also a good source for crafters looking to make and sell large quantities of products for craft and seasonal fairs or markets. You’ll get the benefit of wholesale prices, but be prepared to purchase in bulk.

    Looking to start a resale business? We’ve got the scoop on seven ways to ensure this popular side hustle is a profitable one.

    7. Dollar Days

    Best online dollar store for buying in bulk

    Dollar Days specifically supplies businesses, schools and nonprofits with bulk goods. But that doesn’t mean you can’t get in on the bargains. If you’re looking to grab lots of something cheap, like a box of party favors or T-shirts, Dollar Days has you covered.

    Browsing through the Dollar Days virtual aisles will give you genius ideas for racking up more savings. For instance, in baby supplies, you can buy a case of name-brand pacifiers or sippy cups, so you never have to worry about finding the one your toddler dropped.

    8. Miss A

    Best online dollar store for cosmetics

    Rather than offering everything under the sun, Miss A does one thing well — provide lots of makeup and beauty products for mostly a dollar. And you can shop without guilt because all the cosmetics from Miss A are approved by the Food and Drug Administration and are certified cruelty-free by PETA.

    If you’re more of a natural glow kind of gal, no worries. Miss A sells lots of other products, from hand sanitizer to bath bombs and home decor.

    Pro Tip

    Trying to create that spa experience at home? Lean into DIY beauty products like sugar scrubs and face masks made from ingredients in your pantry.

    9. Five Below

    Best online dollar store for clothing

    We know. It’s $5 and below — it says it right there in the site name. But there are still some really fun clothing finds at Five Below that you can score for $1. Formerly known as Hollar, Five Below also sells toys, decor and much more.

    It’s also worth wandering over to the Five Beyond section and taking a peek. These are deeply discounted higher-end products that you’ll pay more than $5 for but are available only in small quantities for a limited time.

    10. Oriental Trading

    Best online dollar store for party supplies

    Teachers keep Oriental Trading catalogs in their desks for a reason. As a one-stop shop for party and school supplies, Oriental Trading offers bargains that are hard to beat. For dollar store shoppers with kids, you’re sure to find deals too darn tempting to pass up.

    One popular place to shop is the bulk assortments bin on Oriental Trading’s website. You’ll find toys, candy, art supplies, party tableware and more all for pennies per item.

    Online Dollar Store Frequently Asked Questions (FAQ)

    Are Online Dollar Stores a Scam?

    Online dollar stores are generally legit, but take care to check out that the site is secure before shopping. And watch how much shipping costs add to the cart total. You can also use tools like these Chrome shopping extensions to ensure you’re getting the best bargain.

    Do I Have to Buy in Bulk From Online Dollar Stores?

    Sometimes you will have to buy certain types of products in bulk from online dollar stores, especially things like food or personal care products. Bulk purchases enable dollar stores to offer deeper discounts on everyday essentials.

    Is Everything in an Online Dollar Store a Buck?

    Despite the name, not everything at a dollar store is going to be $1. Pay attention to higher prices for certain items, then compare before you check out at traditional retailers. You’ll discover that while the item might be more than $1, it’s usually cheaper than you would find it elsewhere.

    Kaz Weida is a senior writer for The Penny Hoarder.


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  • Should You Save More Money or Invest Extra During a Bear Market?

    Should You Save More Money or Invest Extra During a Bear Market?

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    You know you’re supposed to buy low and sell high when you invest, so a bear market should be a bargain sale. A bear market is generally defined as a drop of 20% or more from recent stock market highs. The S&P 500, often used as a benchmark for the overall U.S. stock market, has been hovering around bear market territory for the latter half of 2022.

    While everyone wants to buy low and sell high, you may be tempted to do the opposite when the reality of a bear market sets in. It’s tough to throw your money into your 401(k) or individual retirement account (IRA) each month and watch the balance sink. And if you’re worried about a recession or a layoff on top of a bear market, clinging to cash can seem extra appealing.

    So which should you do during a bear market: Save your cash or invest more? Keep reading to determine which option is right for you.

    Saving vs. Investing in a Bear Market: Which Should You Choose?

    Before we go any further, let’s be clear: We’re not suggesting you stop investing due to a bear market.

    Practicing dollar-cost averaging, in which you invest a certain amount at regular intervals — like each pay period or month — regardless of the stock market’s performance has historically been a winning strategy. Also, taking advantage of your employer’s 401(k) match is always a smart approach unless you’re struggling to pay for basic expenses.

    So the question isn’t “Should I invest in a bear market?” It’s “Should I invest extra during a bear market?” Or “Should I save my extra cash?”

    The answer may be “neither” if you’ve got debt.

    If you have high-interest debt — think anything over the 6% to 8% range — like credit cards or a private student loan, paying that off first may be the best move. Paying down a mortgage or a car loan is a lower priority, assuming you’ve locked in low interest rates.

    When to Save More in a Bear Market

    Buying stocks on sale during a downturn can be a smart move, but you may want to cling to cash in the following scenarios.

    Your Emergency Fund Is Lacking

    The goal of investing is to build wealth over the long haul. But you can’t fund your goals decades in the future if you couldn’t afford an emergency that arises tomorrow.

    Before you start investing extra, make sure you have at least a three-month emergency fund. The ultimate goal you want to save for is a six-month emergency fund, but once you get to the three-month minimum, you have a bit of wiggle room. From there, you might consider splitting extra money between savings and investments.

    An emergency fund serves as a safeguard for your investments. If you have to sell during a bear market because you have an unexpected need for cash, you could lose money. Plus, if the money was invested in a retirement account, you could face a 10% early withdrawal penalty and a hefty tax bill.

    You’re Planning a Major Purchase or Expecting Your Expenses to Rise

    Money that you expect to need within the next couple of years doesn’t belong in the stock market because of the short-term ups and downs. So if you’re planning a major purchase, like a home or a car, consider putting extra money toward savings. With more interest rate hikes expected in 2023, you may want to put more money down to save on your monthly payments.

    Likewise, if you’re expecting your living costs to increase dramatically in 2023, hang on to your cash. For example, if you live in an area where rents are skyrocketing or you’re expecting a child, building a bigger cash buffer makes sense.

    Another factor to consider: Though the federal student loan moratorium remains in effect going into 2023, those payments will resume at one point. If you’re not sure you can afford your current expenses on top of student loan payments, think twice before investing your extra money.

    You’re Worried About a Layoff

    If you work in a sector that’s performed poorly in recent months (think tech or real estate), your job could be easily automated or you’ve heard rumblings that your company is on shaky footing, now is the time to up your savings. Prioritize a six-month emergency fund before you start investing more.

    When to Invest More in a Bear Market

    If none of the three scenarios above apply, now could be the time to put more money into investments. But wait! Invest your extra money during a bear market only if these three things are true.

    You’re Prepared for an Emergency

    You don’t want to be forced to cash out on investments because it’s the only way to pay the bills. So make sure you’re prepared for an emergency before you ramp up your investing.

    How do you know if you’re prepared for an emergency? There’s no blanket rule here. If you’re young, healthy, have a stable job and don’t have children, you may be able to skate by with a three-month emergency fund. But if you have health problems, you’re worried about your job and you’re supporting multiple dependents on a single paycheck, you may want to save any extra cent you get, even if you have a six-month emergency fund.

    You Aren’t Worried About Short-Term Performance

    Trying to pinpoint the low point of the market is a losing game. The stock market may be down about 20% year to date as of mid-December 2022. But would you be OK if you invested extra money and the market tanked by another 20%?

    If the answer is “no,” keep investing as usual. Don’t double down on investing just because you think you’ve identified the bottom.

    You Have a Long Time Horizon

    When you don’t expect to need your money for a decade or longer, you can afford to put more money in the stock market. But if you’re hoping to retire soon or you’ll need the money for your kid’s college tuition next year, extra caution is warranted. A poorly timed stock market crash can devastate even the most steadfast retirement planning.

    If you expect to make withdrawals in the next couple of years, you want extra cash reserves. That way you can pay for your needs without selling investments while they’re down and give them sufficient time to recover.

    Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder. She writes the Dear Penny personal finance advice column. Send your tricky money questions to [email protected]


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  • 15 Things You Should Buy Now, So You Can Save Money Later

    15 Things You Should Buy Now, So You Can Save Money Later

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    It’s a cliche to say hindsight is 20/20, but as shortages and supply chain issues continue, it definitely feels valid for shoppers. If only we could go back and tell our pre-pandemic selves to buy extra hand sanitizer and toilet paper.

    Certainly, some supply chain shortages and issues caused by the pandemic — and, in some cases, panic buying — have eased. For instance, the waiting-list-only demand for bicycles is mostly resolved.

    However, other shortages remain challenging and are unlikely to be solved soon.

    Why Supply Chain Problems Will Persist in 2023

    Periodic shortages of popular goods are not unprecedented, but supply disruptions may be a long-term problem for global trade.

    Multiple supply chain issues — such as problems at production facilities, already fragile global supply chains, production capacity, climate change, and labor and truck driver shortages — have converged to create the perfect consumer storm. And while we’re unlikely to see the empty shelves of 2020 and 2021, the supply chain crisis is far from over.

    Unfortunately, it may take years rather than months to resolve shortages completely, particularly in the semiconductor industry, where the production of cars, smartphones, computers and cameras has been affected.

    We can’t always predict when some products will be back in stock (parents are still struggling to find baby formula), but you can shop (or order) now for some items and avoid higher prices and empty shelves later.

    Here are 12 products expected to be affected by supply chain shortages and heavy consumer demand in early 2023.

    1. Cereal, bread and flour
    2. Lettuce
    3. Champagne
    4. Eggs
    5. Prescription medications
    6. Tomato products
    7. Cement and concrete
    8. Olive oil
    9. Sand
    10. Bottled water
    11. Poultry
    12. Liquor and beer

    12 Things You Should Stock Up Now to Avoid Shortages

    But first, don’t give in to the temptation of panic buying. Artificial demand can create supply chain disruption — think the great toilet paper shortage of 2020.

    Picking up a few extra items or buying early is a smart way to stock up, though, without emptying store shelves for other shoppers.

    1. Cereal, Bread and Flour

    If it’s made out of grain, specifically wheat, it will only get more expensive. The price of grains is soaring due to the war in Ukraine, stressing the world’s wheat supply. Complicated by the destruction of Ukraine’s power grid, this problem is likely to be a long-term one. So squirrel away a few extra cereal boxes or a big bag of flour for the winter.

    2. Lettuce

    During the fall and winter, much of the U.S. enjoys lettuce from California, specifically the Salinas Valley. But this year’s crop was struck with a virus, decimating up to 75% of the local supply of both iceberg and romaine varieties and sending the price skyrocketing 400%. When you spot a sale, try to stock up on freezer-friendly heads of romaine, spinach or butter lettuce.

    Avoid getting a slimy handful of greens next time you reach into the fridge with our tips on how to store spinach so it lasts.

    3. Champagne

    Champagne shortages started with a drought affecting the crop in early 2022, and a glass shortage has compounded the issues. Experts anticipate champagne won’t dry up, but some brands will be pricy and scarce. If bubbly is your thing, supply lines should improve again once seasonal demand eases.

    4. Eggs

    While concerns about most things in the dairy case have eased, eggs are still in short supply and experiencing significant price hikes. Much of this is due to a raging avian flu epidemic that is ravaging the global supply of poultry and creating consumer distrust of overseas sources.

    5. Prescription Medications

    Perhaps most concerning of all are current shortages of popular prescription medications such as antibiotics, antivirals and even ADHD medications, which are largely driven by increased demand. And while you can’t always stock up on meds, you can keep a closer eye on your pill supply and allow extra time for refills at the pharmacy.

    Are you a retiree who needs help paying for your meds? Explore the assistance programs that help ensure lifesaving prescriptions stay affordable.

    6. Tomato Products

    Due to extreme drought, California is struggling to keep the tomato crop from going under this year. That means higher prices for everything tomato, including staples like salsa, marinara sauce and even ketchup (gasp!).

    Toss a few extra bottles of anything tomato into your cart in the coming weeks to see some savings later.

    7. Cement and Concrete

    We’re not trying to crack you up with this one, but the construction industry is having a major issue with keeping steady supplies of concrete and cement on hand. If you’re planning to have some work done around the house in 2023 that involves pouring cement, it might be best to start planning now.

    8. Olive Oil

    Heat waves in Spain are threatening the olive harvest this year. This means — you guessed it — olive oil supplies are threatened. Get ahead by buying one more bottle of olive oil next time you shop.

    Extra-virgin olive oil should be kept in a cool, dark place and stored for up to 20 months.

    9. Sand

    It may sound like sand is a niche product, but chances are you have some in the garage or shed. Maybe you have a kid with a sandbox or you use it to reduce friction on icy walks, but you should grab an extra bag the next time you’re at the hardware store because environmental experts say the sand supply chain disruption is here to stay.

    10. Bottled Water

    As groundwater dries up out West and boil notices become more frequent, many towns and even large cities are having to turn to bottled water for short-term survival. And while you shouldn’t make the bottled water supply more stressed for those in need, it’s worth having an extra case on hand in case of a crisis.

    11. Poultry

    Avian flu and labor shortages on production lines mean poultry supplies of chicken and turkey have also been hard hit. Several countries, like the U.K., where poultry is a popular holiday menu item, are braced for scarcity and rising costs as trucking capacity compounds problems.

    Because of the global supply chain and consumer demand, what starts across the pond doesn’t always stay across the pond, so freeze an extra bird or two before stores raise prices.

    12. Liquor and Beer

    Don’t panic, but pretty much everything in a glass bottle or aluminum can is vulnerable to price increases and shortages right now. That includes liquor and beer — and even products you haven’t thought of, like maple syrup. Shortages of beer and fizzy drinks in particular are also tied to disruptions in key materials like the supply of carbon dioxide.

    Replenishing the bar when increased seasonal demand eases might help your household avoid the bottleneck.

    Buy Now, Save Later

    Shortages aren’t always predictable, but anticipating supply chain disruptions can help shoppers get ahead of empty shelves. And if you have the space and funds to stock up now, those savings can really add up later.

    Kaz Weida is a senior writer for The Penny Hoarder.


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  • Free Trials Aren’t Free if You Forget to Cancel. Here’s How to Avoid Paying

    Free Trials Aren’t Free if You Forget to Cancel. Here’s How to Avoid Paying

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    Free trials are an excellent way to test out products and services before shelling out your hard-earned money. After all, who can resist testing a new streaming service, such as Paramount+ or YouTube TV? But you may not want to keep your subscription once the free trial is over.

    Trials last for only a limited period before you need to decide whether to commit or cancel them. If you’ve finished testing a service and don’t wish to continue, here’s how to cancel your subscription so you can avoid being charged.

    Consider the Cost Before Signing Up for a Free Trial

    Signing up for a free trial is a great way to test out a product or service without spending any money. But they can end up costing you if you’re not careful.

    Even if you think you’ll definitely cancel the service before your free trial is over, be cautious about signing up for something that doesn’t fit into your budget. You don’t want to fall in love with a service only to have no choice but to cancel it because you can’t afford it. And you don’t want to overdraft your account in the event that you don’t end up canceling in time.

    In addition to hoping you don’t cancel, companies also want to make sure they actually get paid. Though a free trial shouldn’t cost you anything, you may see a pending charge or pre-authorization on your account, which is basically the company’s way of verifying that your account is legit.

    Avoid Paying for Subscriptions When Your Free Trials End

    One way to avoid going past a subscription’s free trial period is to cancel right after signing up. You won’t have to worry about remembering to do it at the end of the week or month or whenever the trial ends.

    However, it’s important to note: Do this only if the company will continue providing the service through the end of the trial period. Some don’t and will cut you off as soon as you submit your cancellation. Then you’ve wasted the opportunity to test out the service.

    Using a virtual credit card is another tactic to avoid paying for subscriptions past the trial period. Virtual credit cards are credit card numbers issued by some banks, credit card companies and independent financial companies. (You don’t actually get a physical card.) These virtual cards often are restricted to a one-time use or have a short expiration period, which makes them favorable to people signing up for free trials.

    Then there’s always the strategy of simply canceling your free trial right before it ends. Set a reminder (or two) to cut your ties with the service before payment becomes due.

    Most companies aren’t going to send you a reminder that your free period is about to be over (though Mastercard requires some merchants to do so). Mark your calendar, set an alert on your phone or do whatever you need to remember to cancel.

    Pro Tip

    Regularly review your monthly bank statements or credit card statements so you can catch any unexpected charges — like a subscription you forgot to cancel.

    Make sure you read over the cancellation policy when you sign up for a free trial. Some companies require you to submit cancellation requests a day or two before the start of the first billing period. Generally, when you log into your account, there’s an option to cancel under the section for billing or subscription management. There will probably be multiple prompts to convince you not to cancel, but don’t let them sway you.

    How to Cancel 15 Popular Free Trial Offers

    We browsed the cancellation policies of several popular services to get instructions on how to cancel their free trials. In every case, make sure you complete all the steps to confirm your cancellation. Lots of companies send email confirmations.

    These guidelines are based on canceling directly through each service. Canceling a trial you acquired through a third party — for example, a free HBO trial you signed up for through your cable provider — may require different steps.

    1. How to Cancel an Adobe Free Trial

    Here are the steps to cancel a free trial of Adobe.

    1. Go to https://account.adobe.com/plans and log into your account.
    2. Under your plan, click the “Manage Plan” button.
    3. Select the reason you want to cancel and hit “Continue.”
    4. Follow the instructions on your screen.

    2. How to Cancel an Amazon Prime Free Trial

    According to the terms and conditions for Amazon Prime, you have three business days from when your free trial converts to a paid membership to get a full refund, provided you haven’t used any of the Prime benefits during that three-day period.

    However, to cancel your trial before it switches to the paid version, visit this page and click the “End Membership” button.

    3. How to Cancel an Ancestry Free Trial

    According to Ancestry Support, your free trial ends automatically once you cancel it, even if additional days were remaining in the trial period. Cancel Ancestry’s free trial by following these steps.

    1. Log into www.ancestry.com.
    2. Select your name or username in the top right corner and click on “Account Settings.”
    3. Go to the “Membership” section and click “Cancel Subscriptions.”

    4. How to Cancel an Apple Music Free Trial

    Cancel your Apple Music free trial by following the steps below.

    1. Visit the Apple Support webpage.
    2. Click “Cancel a Subscription.”
    3. Choose “Apple Music,” then select “Cancel Subscription.”

    5. How to Cancel an Apple TV+ Free Trial

    Cancel your Apple TV+ free trial by following the steps below.

    1. Go to tv.apple.com and log in to your Apple account.
    2. Click on the account icon, then select “Settings.”
    3. Scroll down to “Subscriptions” and choose “Manage.”
    4. Select “Cancel Subscription.”

    6. How to Cancel an Audible Free Trial

    Here’s how to cancel your free trial of Audible.

    1. Log in to your account at www.audible.com.
    2. Go to “Account Details” and then “Account Settings.”
    3. Click on “Cancel My Membership.”

    7. How to Cancel an Avast Internet Security Free Trial

    See the steps below to cancel your free Avast trial before you get charged.

    1. Log into your Avast account.
    2. Click on the “Subscriptions” tile and click “Unsubscribe” for the subscription you want to cancel.
    3. Click “Continue” when asked if you’re ready to unsubscribe.
    4. Select a reason for unsubscribing and then click “Unsubscribe.”

    See here for additional instructions on how to cancel if you signed up using a different order distributor.

    8. How to Cancel a FuboTV Free Trial

    Cancel your FuboTV free trial by following the steps below.

    1. Go to fubo.tv and log in to your account.
    2. Click on the profile icon, then select “My Account.”
    3. On the “My Account” screen select “Subscription and Billing.”

    9. How to Cancel a Hulu Free Trial

    According to Hulu’s terms and conditions, your service may end immediately upon cancellation. Follow these steps to cancel.

    1. Visit www.hulu.com and log in or open the app on your computer or mobile browser.
    2. Choose the “Cancel” option under the “Account” page.
    3. Follow the instructions on the screen.

    10. How to Cancel a Paramount+ Free Trial

    Cancel your Paramount+ free trial by following the steps below.

    1. Go to paramountplus.com and click on your username.
    2. Click on the “Account” option.
    3. Scroll down and click “Cancel Subscription.”

    11. How to Cancel a PlayStation Now Free Trial

    Cancel your PlayStation Now free trial by following the steps below.

    1. Go to the “Account Management” page for PlayStation.
    2. Choose the “Subscription” option from the left-hand menu.
    3. Select “Cancel Subscription” next to “PlayStation Now.”

    12. How to Cancel a Showtime Free Trial

    Follow these steps to cancel your free trial of Showtime via your web browser.

    1. Go to www.showtime.com and log in.
    2. Go to “Account Settings” from your profile icon.
    3. Click on “Your Account” and then “Cancel Your Subscription.”

    See here for information about how to cancel your subscription through third parties.

    13. How to Cancel a Starz Free Trial

    1. Log into www.starz.com from your web browser.
    2. Click on the user icon in the upper right and select “Settings.”
    3. Select “My Subscription” and then “Cancel My Subscription.”

    If you’ve started a Starz subscription via a third-party provider, check out the “How Do I Cancel?” guide on Starz’s website for additional information.

    14. How to Cancel a YouTube Premium Free Trial

    Cancel your YouTube Premium free trial by following the steps below.

    1. Go to the Google Support page.
    2. Hit the “Cancel Now” button.

    15. How to Cancel a YouTube TV Free Trial

    Cancel your YouTube TV free trial by following the steps below.

    1. Go to tv.youtube.com and sign in to your account.
    2. Go to “Settings” and then to “Membership.”
    3. Choose “Manage” and then click on “Cancel.”

    Check out Google’s support page for additional information about canceling on an Android or Apple mobile device.

    Nicole Dow is a former senior writer at The Penny Hoarder. Michael Archambault is a senior writer at The Penny Hoarder.


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  • Here’s Your Month-by-Month Guide to the Best Time to Buy Almost Everything

    Here’s Your Month-by-Month Guide to the Best Time to Buy Almost Everything

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    Some purchases are tough to plan: car repairs, patches for a leaky roof, a working air conditioner amid a heat wave.

    But more often than not, you can plan ahead for life’s necessities — and some non-necessities, too.

    “You might be able to score an extra discount on a floor model, and some stores are offering special freebies and bundles to incentivize consumers,” said Trae Bodge, a Smart Shopping Expert featured on CBS, CNBC and The Today Show.

    Before you let an impulse buy drain your bank account, consult our handy calendar of the best time to buy absolutely everything. You might be surprised at the deals each new season brings!

    Our Guide to the Best Time to Buy Everything

    Be a smart shopper and plan your purchases according to this calendar, which plots the best deals, month by month.

    What to Buy in January

    Kick off the new year with big savings.

    TVs

    Retailers know that the newest TVs and other electronics are revealed at the annual Consumer Electronics Show in January. This makes January the best time to buy a TV, thanks to major discounts — as long as you don’t covet the new, fancy models too much.

    We also think it’s no coincidence that the Super Bowl is played annually in early February. Some 100 million people watch the game and nearly all of them do so on a TV.

    Calendars

    No need to rush to the bookstore in December to get a new wall or desk calendar. Buy one in January to get a discount.

    Calendars and other physical organizers still hold sway with modern shoppers, Bodge says, in part because people are naturally tactile.

    It feels really good crossing stuff off your to-do list. We get it.

    “Planners also remain popular because many planners are designed to help people become more organized, more mindful,” Bodge said, “There is a self-help/self-care benefit.”

    Gym Memberships and Home Fitness Equipment

    Gyms are known to offer big incentives to sign up and get fit in the New Year. Home gym equipment also goes on sale in January, as do scales, according to Consumer Reports. Here’s some guidance on what equipment you need for a good, affordable home gym.

    You’ll also be able to find good deals on smartwatches and fitness trackers to help with that resolution.

    Linens

    The yearly tradition of hosting a white sale dates back to the 1870s, when linens were only available in white. But modern white sales include linens and home goods in every color of the rainbow.

    Don’t be swayed by sheets with super-high thread counts — you’ll want to focus more on the material the sheets are made from. You’ll also get more for your money by helping your new sheets last longer with the proper care.

    Christmas Gear

    You have an entire 11 months until you get invited to your next ugly sweater party, but you can browse the clothing racks for some heavily discounted Christmas sweaters. Other Christmas supplies are also on sale in January, including holiday cards and decorations.

    What to Buy in February

    Fall in love with these deals during February.

    Mattresses

    If you’ve recovered from your Christmas spending and could use a new mattress, check out Presidents’ Day sales. The three day weekend is considered the first major mattress sale of the year.

    If you need time to decide if you’d rather have foam or an innerspring, mattress companies also use holidays such as Memorial Day, July 4th and Labor Day to offer big discounts.

    Jewelry

    One of the best times to buy jewelry is in February — but only after Valentine’s Day.

    Look for deep discounts after retailers remove their rose-colored glasses. It’s not worth paying the “love tax” to celebrate with your sweetheart, anyway.

    Also look for discounts on other Valentine’s Day goods, such as cards and chocolate after the holiday itself.

    Winter Coats

    Winter coats take up a ton of room in your closet and just as much room in stores. Help retailers clear ’em out this month, and you’ll get a big discount.

    What to Buy in March

    Spring forward by making these smart purchases in March.

    Getty Images

    Luggage

    Don’t wait until a week before your big family vacation to get a new suitcase. March is the best time to buy luggage, as it’s on sale to entice shoppers who are desperate to be done with their snowy, dreary winters and who crave a little spring break.

    Just don’t forget where you put it when it’s time to pack.

    What to Buy in April

    The smart shopper always plans ahead.

    Tools

    You don’t have to wait until Father’s Day in June to find excellent prices on tools and home improvement gear.

    If you’re eager to start your home DIY projects in the spring, go ahead and shop now.

    Sneakers

    Everyone’s finally going outside again and stores are swapping out their winter shoe collection for the brighter summer colors. Let sporting goods stores make it easier for you to keep up with your New Year’s resolution (remember that?) by discounting those new kicks.

    What to Buy in May

    Is your refrigerator running? If not, May is a great time to get a new one.

    Small Appliances

    Blenders and juicers, coffeemakers, slow cookers, toasters and even toaster ovens are often on sale during Memorial Day extravaganzas. That’s at the end of the month but the deals are often offered at least a week before, sometimes all month. (See also November.)

    Besides replacing your old kitchen aids, think about these items for shower and wedding presents.

    Refrigerators

    New refrigerator models debut in the summer. Shop in May to get last year’s model at a better price.

    You can’t tell the difference between last year’s refrigerator models and this year’s, right? Didn’t think so.

    Also look for deals on other necessities like freezers, oven ranges and air conditioners, according to Consumer Reports.

    What to Buy in June

    Here come the … deals?

    A young girl watches a movie on her iPhone on a plane.
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    Vacation Tickets

    Planning a summer vacation? Travel early or late in the summer instead of during peak times. And you’ll pay less for airfare if you can travel midweek.

    “Because prices are particularly high, consider using any points you have accrued and when you make your purchase, use the credit card that offers the highest percentage of points so you can make the most of your purchase,” Bodge said.

    Outdoor Gear

    Now that summer is in full swing, outdoor gear — like tents, backpacks, lanterns and even fitness gear — is marked down. You can also find great deals throughout the year.

    Cookware and China

    June is typically peak wedding season, and stores hope you’ve planned ahead to buy wedding registry gifts.

    Now is when those items are discounted, and it’s the perfect time to replace or upgrade what’s in your own cabinets. While you’re looking through your old stuff (or your Nana’s), keep an eye out for china patterns that are worth something.

    What to Buy in July

    Don’t sweat these savings.

    Furniture

    New styles hit stores in February and August, so retailers spend much of July clearing out old stock, especially over Fourth of July weekend — making this the best time to buy furniture.

    Dehumidifiers

    July means humidity. Pick up an older version of a much-needed dehumidifier in July or August, according to Consumer Reports.

    What to Buy in August

    The dog days of summer offer some amazing bargains.

    Computers (Except Apple Products)

    Computer manufacturers typically release their new models in the summer, so back-to-school sales are a great time to buy last season’s model. The specs probably won’t be different enough for you to notice, unless you’re a hardcore gamer or designer.

    Apple products, however, typically get announced in the fall, so hold off to get that new MacBook.

    Printers

    If you’re working from home, you might be considering a printer upgrade. Printers, tablets and wireless earbuds are some of the electronics that you’ll see discounted during back to school sales.

    Grills

    Grilling season doesn’t stop at the stroke of Labor Day. Buy at the tail end of summer to enjoy your grill until almost Thanksgiving (OK, depending on where you live).

    What to Buy in September

    Back to school? More like back to the checkout lane.

    Thanksgiving Flights

    If you’re planning a trip for the holidays, consider buying those Thanksgiving flight tickets in September to get a better price.

    Hitting the prime booking window — plus our other top tips for saving on air travel.

    A mother holds her daughter as they swim in a pool.
    Getty Images

    Swimsuits

    Even though your local pool might be closed for the season, you should think about stocking up on swimsuits for next year.

    Washers/Dryers

    Have you been debating on making the switch to a front load washer and dryer set?

    Many manufacturers roll out new models in September and October, so Labor Day weekend can be a particularly good time to save, according to Bodge.

    What to Buy in October

    There’s a joke about spooky deals in here somewhere.

    A House

    This might not be a frequent purchase, but if you’re in the market for a new home, it can help to hold off past the busy spring and summer buying seasons.

    Your costs typically drop a few percentage points once fall rolls around (after the kids have gone back to school), making this the best time to buy a house.

    Denim

    Jeans typically get discounted in October, after back-to-school sales have ended and families are stocked up on fall attire.

    Patio Furniture

    Goodbye summer, hello savings.

    It’s worth checking out the patio furniture if you don’t mind storing it over the winter. When that first warm spring day hits, you’ll be ready to bask in the sunshine.

    Leaf Blowers

    October means fall leaves — and they are likely covering your yard. Pick up a leaf blower, and while you’re at it, get ready for the snowy days ahead with a snow blower, according to Consumer Reports. Incoming snow also means you’ll find good deals on lawn mowers.

    What to Buy in November

    The days get shorter, but the deals get bigger.

    Small Appliances, 2.0

    Like in spring, the fall is a gold mine of rock-bottom prices on giftable small appliances.

    If you’re looking for a blender, air fryer, coffee maker or anything else that’ll proudly take up space on your kitchen counter, it’s worth waiting until Black Friday sales begin in stores and online.

    Video Game Consoles

    If you want to snag a video game console, prices will be lowest around Black Friday, experts say.

    If you (or your kids) are OK with older models, the previous generations of consoles experience a drop in price when new models arrive.

    Pro Tip

    It’s a good idea to wait a few months after release to buy a new console, since it gives manufacturers the chance to work out any kinks.

    Video Games

    When you do get a new console, you’ll need video games to go with it.

    If you wait until Black Friday or Cyber Monday, many retailers bundle popular video games with their respective consoles — giving you good deals on both.

    If you can’t wait for the holidays and are buying throughout the year, wait until the game has been on the market for two or three months. That’s when games tend to experience their first drop in price.

    If you’re looking for computer games, you can also check out the distribution service Steam for summer and winter sales. They have sales throughout the year, but you can find games slashed by as much as 60% during those weeks.

    A woman gets her wedding gown fastened in the back.
    Getty Images

    Wedding Gowns

    Bridal shops are slow before the proposal rush during the holiday season, so the few weeks before Thanksgiving is a good time to start trying on gowns.

    Ask about sample sales and last year’s styles that may be priced to move.

    What to Buy in December

    Celebrate the season by shopping smart, obviously.

    Swimming Pools

    If your family’s been begging for a backyard pool, December is the best time to have one installed. It might be chilly, but pool pros would rather avoid working on 90-degree days!

    Plus, when their workload slows in the winter, many contractors are willing to lower their prices.

    Toys

    Toy deals stick around after those Black Friday and Cyber Monday sales in November.

    Even if you’re done with holiday shopping for your little ones, consider picking up their favorite character and activity toys while they’re still discounted to stash away for birthdays.

    Cars

    You won’t always be able to predict when your current car will see the end of the road, but if you can, wait until the end of the year to buy a new (or new to you) one. Car dealerships offer the lowest prices in December when they’re trying to make their yearly quotas. You’ll also find older car models discounted to make room for the new ones.

    If you can’t wait until December, also try going at the end of any month throughout the year. That’s the deadline for meeting monthly quotas

    Contributor Jenna Limbach writes on financial literacy and lifestyle topics for The Penny Hoarder. Lisa Rowan is a former staff writer. Freelancer Kent McDill contributed to this report. 


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  • Love Restoration Hardware, but Not Its Prices? 10 Ways to Get It for Less

    Love Restoration Hardware, but Not Its Prices? 10 Ways to Get It for Less

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    The outside of Restoration Hardware is shown.


    Chris Zuppa/The Penny Hoarder

    Don’t have $1,000 to spend on an 18-inch vintage nautical pendant light or $4,000 for a textured linen weave chaise lounge?

    Such mind-bending prices may make you think you have no business stepping foot inside a Restoration Hardware gallery. But if you know a few hacks and tips, you can experience the thrill of bringing home a perfect piece from a cult favorite store, and still pay less.

    10 Tips for Cutting Costs When Shopping at Restoration Hardware

    Here’s how to find rustic, designer Restoration Hardware pieces for a fraction of the cost. Or, RH, for those in the know.

    1. Shop Sales and Certain Collections

    Seasonal sales are a thing of the past at Restoration Hardware, so it pays to keep an eye on the website for sales.

    Select collections are comparatively inexpensive, such as the Belvedere Teak Collection currently starting at $1895 regularly priced and $1421 for members, or the Nico Handwoven Wool Rugs, selling for $969 regularly priced and on sale for $383 for members.

    Also, check for coupon codes on sites like RetailMeNot.com.

    You can even call your local store to ask about upcoming promotions.

    2. Place One Order for Flat Shipping

    Restoration Hardware has a flat $279 shipping fee for most furniture items within a 50-mile radius of the store (this chart outlines shipping fees beyond that distance). It doesn’t matter how heavy each piece is or how large your order is (though some oversized items might incur an additional fee). It’s wise to place one giant order and just pay for shipping once.

    Got a friend who’s also picking up a few items? Combine your orders, ship to one address and split the shipping.

    If necessary, you can return small items like bedding directly to the gallery, rather than shipping.

    3. Leverage the Restoration Hardware Credit Card

    If you use it wisely, the RH Credit Card can help you stretch your budget for large purchases.

    You can choose to pay no interest for 12 months or reduced interest for a span of 12 or 60 months, so you could splurge on decorating your bedroom, then chip away at the total throughout the year.

    Warning: Be careful here. If you don’t pay off the balance within the promotional interest period, the interest rate jumps to a whopping 24.99% on your remaining balance.

    4. Join the RH Members Program

    If you already spend a lot in the store (or plan to), you could save a lot by joining the members program. For an annual fee of $175, you’ll get a 25% discount on all full-priced merchandise and an additional 20% off sale items.

    Members also get VIP treatment, including early access to clearance events, preferred financing on your RH credit card and complimentary interior design help.

    5. Scroll Final Sales

    Final sales on the RH site feature limited deals up to 70% off and members get an additional 20% off. Hover over any of the nine categories — living, dining, bed, bath, lighting, etc. — and click the “Final Sale” option to see available sale items.

    Incidentally, if you’re on the fence about a membership, the final sale member prices might just make the decision for you.

    6. Shop a Restoration Hardware Outlet

    Restoration Hardware sends all its damaged or clearance items to one of its outlet stores across the United States and Canada. This state-by-state list will help you locate the outlet nearest you.

    Qualifications for “damaged” are liberal. It can mean a missing tag, a microscopic cushion tear or small nick. RH outlet stores do not ship or place items on hold, so you’ll have to show up in person to survey the goods, then buy on the spot.

    7. Buy Floor Models

    Most stores sell floor models for less and RH is no exception. Floor models can be found at the outlets and are not sold in the galleries.

    Purchasing a floor model in good condition can save you money. It might not have quite the same shine as a brand new piece, and it might be necessary to break out the wood repair markers and do a little furniture rehab, but the cost savings will be worth it.

    8. Sign Up for Emails

    Be sure to sign up for Restoration Hardware’s email list to be notified of the next sale. Also, there’s a different registration for outlet-specific emails. 

    Subscribe to both and be the first to know about special promotions.

    9. Connect with RH Enthusiasts

    RH strategically shuns social media, so find your people and build community around your local store, or through groups run by enthusiasts like this Facebook group for RH lovers. How can these communities help you save money? Other enthusiasts are likely to post about a great find and help out when you have questions.

    Similarly, but in person — make friends with the salesperson at your local store. They might be kind enough to place you on a waitlist to let you know when an item is in stock, or on sale.

    10. Buy Used or Knockoffs or DIY a Look-Alike

    Even on sale, most RH goods are not cheap.

    But you can still get Restoration Hardware style without spending RH prices. Here’s how:

    • Search Craigslist and Facebook groups to buy pieces off people who are moving or upgrading to new furniture. Score the best deals toward the end of the month, when people who are moving are eager to clean out their places. You can find gently used RH furniture from Chairish and AptDeco.
    • Find knockoffs at a range of big box stores, including Target, HomeGoods and World Market. There’s even a Decor Lookalikes Facebook group that includes RH fans.
    • Request an RH source book or view online for inspiration and then use Google Images to search less expensive knockoffs.
    • If you’re particularly crafty or handy, get that distressed RH look with a bit of elbow grease and creativity. Check out this Restoration Hardware DIY Pinterest board for ideas.

    Contributor Veronica Leone Matthews is a North Carolina-based freelance writer with 11 years of experience writing for non-profits and higher education. She covers lifestyle topics for The Penny Hoarder. Reporting from contributor Larissa Runkle and former contributor Betsy Mikel is included in this report. 


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  • Simplify Your Cleaning Routine with These Salt Hacks

    Simplify Your Cleaning Routine with These Salt Hacks

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    Salt is a staple in our kitchens, but you don’t have to limit its use to just flavoring food. It’s a true household workhorse and we’ve found more than two dozen uses for salt beyond the usual culinary ones. 

    Sure, salt makes food taste better. But did you know it’s also great for cleaning because of its absorbent qualities? You can use salt around your home for all sorts of cleanup jobs or even incorporate it in your self-care routine. Salt scrub, anyone? 

    Skip the expensive cleaners and grab some extra salt at the grocery store. We’ve gathered 26 different uses for salt that might surprise you.

    What Type of Salt Should You Use?

    When you think of salt, you probably think of fine-grain table salt, but you might occasionally need sea salt, kosher salt or Epsom salt for these hacks. 

    Iodized table salt is the cheapest option — 26 ounces of Walmart’s Great Value store brand is just $.54 — and the most likely one to be in your cabinet. The finer grains make it a great option for many jobs. 

    Sea salt and kosher salt have larger-grain sizes than table salt. You’ll pay more for kosher salt (about $3 for 3 pounds at Walmart) and sea salt (about the same price for 26 ounces at Walmart). But if you need more abrasion for the task, the price is still cheaper than specialized cleaning products. 

    Epsom salt isn’t actually salt at all, but magnesium sulfate. You can find it in the pharmacy or beauty section for less than $5 for a 4-pound bag.

    26 Uses for Salt Beyond Food

    We’ve rounded up ways to use salt as a cleaning agent, as a beauty and health aid, and a few other surprising uses.

    Using Salt as a Cleaning Agent

    1. Scrub your cutting board.

    Is your cutting board looking a little worse for wear? Use salt and a lemon to get rid of stains from last night’s dinner. Wipe your cutting board with a damp cloth, then sprinkle coarse salt liberally all over it. Slice the lemon in half and use it to scrub the salt into the board. Let it sit for a few minutes, then rinse it all off. Remove any excess moisture with a cloth and stand it up to dry.

    2. Clean your fridge.

    Salt can also be used to clean your fridge. Dissolve a cup of salt into a gallon of hot water to give it a quick clean. You can also use the other half of that lemon to give the water a pleasant scent.

    3. Freshen up your sponges.

    Has your kitchen sponge seen better days? Put ¼ cup of salt in two cups of water and let the sponge soak in the solution overnight to clean it.

    4. Clean a glass coffee pot.

    You can clean old coffee stains off your coffee pot with 4 tsp salt, 1 cup of crushed ice and 1 tablespoon of water. Make sure your coffee pot is at room temperature and mix everything together. Swirl it around until the pot is clean, then rinse.

    5. Clean coffee and tea stains from mugs.

    Once your coffee pot is clean, why not clean out your mugs? Get the inside of the mug wet, add 1 tablespoon of salt and scrub it around with a microfiber cloth. Rinse the mug out with water.

    6. Make a new broom last longer.

    Before you use a broom for the first time, soak it in a solution of one part salt to one part vinegar. Leave it in for 30 minutes and then stand it upside down to dry. This will prevent the broom bristles from fraying.

    7. Erase spots off wooden tables.

    Do you have water rings left on your table? Combine salt with a small amount of water to form a paste. Use a cloth or sponge to rub the paste into the stain until it’s gone.

    8. Remove wine stains from clothes and carpets.

    Blot the stain to remove what liquid you can, then sprinkle kosher salt on the stain. Allow the salt to sit for two or three minutes, then rinse with cold water. If using the salt method on a carpet, you can simply vacuum it up afterward.

    9. Keep your brass bright.

    Restore the shine to your brass and copper items with salt. Combine 1 tsp of salt and 1 tbsp of flour with enough vinegar to form a paste. Rub the brass or copper vigorously on to brass or copper and allow it to dry. Wash the item in warm soapy water and dry with a microfiber cloth.

    10. Clean up your old change.

    Do you have dingy old pennies in your change jar? Mix ¼ cup of vinegar and 1 tsp of salt in a shallow bowl. Soak the pennies for 15 minutes, making sure they aren’t touching. Use a toothbrush to remove any stubborn residue, then rinse the pennies in water and lay them on a cloth to dry.

    Only do this hack if you’re not concerned about coin collecting. The abrasive effect of salt can lower a coin’s value.

    11. Brighten the colors of rugs and curtains.

    Revitalize old rugs by rubbing them with a cloth that has been soaked in salt water. Smaller throw rugs, curtains and clothes can be soaked in salt water before being put in the washer to brighten their colors. Short on time? Throw some salt in with the wash cycle.

    12. Clean your clothing iron.

    Give your iron a quick clean by putting sea salt on a piece of paper, then running the warm iron over it a few times. The dirt will stick to the salt. Allow it to cool, then wipe the salt off the metal plate with a damp cloth.

    13. Deodorize your sneakers.

    Salt can take the smell out of your stinky shoes. Just sprinkle some table salt into the offending pair, let them sit overnight and it will absorb any moisture. Don’t want to put salt directly into your shoes? You can also put the salt into two coffee filters, tie them off with rubber bands and place them in your shoes instead.

    Getty Images

    Salt for Self-Care

    14. Make your own skin exfoliant.

    You can use sea salt, kosher salt, Epsom salt or any other salt in your cabinet to create an invigorating body scrub. Mix the salt with an oil, such as coconut or olive. You can also customize the body scrub by adding essential oils, honey or coffee grounds. Hop in the shower and use your homemade salt scrub to exfoliate your damp skin.

    Only use salt scrubs on your body. The coarser grains aren’t good for delicate skin, so use sugar if you want to make a face scrub.

    15. Treat dandruff.

    If you have a case of dandruff, don’t run to the store for an expensive remedy. Add a tablespoon of salt to your regular dollop of shampoo to exfoliate your scalp. Massage your scalp and shampoo as normal.

    Have some Epsom salt handy? Get your hair wet and massage the Epsom salt into your scalp. Follow up with your regular shampoo and conditioner.

    16. Take a sea salt bath.

    If you don’t have the time to make a body scrub, just throw some sea salt into your bath. It can help relieve skin conditions like psoriasis and eczema, and ease muscle aches.

    Make sure the water temperature is only about two degrees warmer than your skin to help your body absorb the nutrients. Pour in ¼ cup of salt and relax in the tub for 20 minutes. If ¼ cup doesn’t feel like enough, you can experiment with up to 2 cups of salt.

    17. Relieve bee and mosquito stings.

    If you get stung by a bee, reach for the Epsom salt. It reduces swelling and can help expel any stinger pieces that have been left behind. If you’re bitten by a mosquito, a paste made from water and table salt will help soothe the affected area.

    18. Relieve a sore throat.

    Gargling salt water can help with your sore throat and allergy symptoms. Mix ½ tsp of salt with 8 ounces of warm water and gargle for as long as you prefer. Repeat as often as needed. Salt water rinses can also help alleviate canker sores and improve dental health.

    Salt for Pets

    19. Get rid of fleas.

    If your home is experiencing a flea infestation, you can fight them with finely ground table salt. You can grind the salt into a powder using a blender. Sprinkle it on your carpet, furniture or pet bed and allow it to sit undisturbed for 12 to 48 hours. Brush the salt into the fabrics so it gets down into the fibers where flea eggs can hide. Once the waiting period is over, vacuum it up. The salt will dry the fleas out and kill them.

    Just be sure to not allow your pets around the salted area. Salt can be harmful if ingested and can irritate their skin.

    Salt for Outdoor Use

    20. Kill weeds in your sidewalk cracks.

    If you have weeds poking through your sidewalk or patio stones, you can use salt water to kill them. If other plants are around the weeds, use a weak mixture of 3 parts water to 1 part table salt. If the weeds are by themselves or the quality of the soil isn’t an issue, you can make a stronger solution. Use a spray bottle to apply the saltwater to the weed’s leaves.

    Need a stronger solution? Add dish soap and white vinegar to make it more effective. Repeat every few days.

    21. Kill Poison Ivy

    If you found some poison ivy while tackling your weeds, salt can take care of that too. Mix 3 cups of salt, ¼ cup of dish soap and 2 cups of hot water. Spray it on the plant every few days until it dies.

    22. Remove rust.

    Are your garden tools looking a little rusty? Rub salt over the rusted area, then squeeze lemon juice onto the salt. Let sit for two hours and then scrub the mixture off.

    Salt sits in a small brown wooden bowl.
    Getty Images

    Salt for Other Household Solutions

    23. Keep fruit from browning.

    You can sneak some apple or pear slices into lunch boxes and they won’t brown if you soak them in salt water after cutting them. Use ½ teaspoon per one cup of water and soak the fruit for five minutes, drain and store.

    24. Test eggs for freshness.

    We’ve all been there — sometimes eggs don’t get used by the “best by” date. You can test the freshness of your eggs by placing them in cold saltwater. If the egg is still usable, it will sink to the bottom. Eggs that have gone bad will float.

    25. Make cut flowers last longer.

    Make that bouquet last longer by putting 1 tbsp of Epsom salt in its water. Epsom salt contains magnesium, which helps plants absorb nutrients.

    26. Put out a grease fire.

    If you happen to accidentally start a grease fire, liberally douse it with salt. Aim directly above the fire so the flames don’t leap out. You can also use it on your outdoor bonfire to help snuff out the embers.

    Contributor Jenna Limbach writes on financial literacy and lifestyle topics for The Penny Hoarder from her home base in Utah. 


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  • Nail Your New Year’s Resolutions With These Free Workout Apps

    Nail Your New Year’s Resolutions With These Free Workout Apps

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    This could be the year of change, the year that you take control of your health and sprint toward a better you. Your fitness journey doesn’t need to leave you broke. Plenty of free workout apps can help you achieve your goals.

    We’ve picked out our favorite fitness apps that you can download onto your favorite smartphone or tablet — iOS or Android. From running and strength training to yoga and quick workouts, we’ve got options that fit everyone’s lifestyles.

    The majority of the best free workout apps that we have selected offer access to a free level of content but require a subscription to unlock everything. For this reason, we recommend downloading a few apps for variety — you’ll never need to break out your credit card.

    Here are our favorite free fitness apps you can download today.

    Key Features

    • Wide selection of workouts with Nike trainers
    • Includes quick fitness workouts
    • Trainer-led video-on-demand classes available

    Nike Training Club

    Available on

    iOS and Android

    Pricing

    Free

    Designed by Nike, the Nike Training Club app allows anyone to find the perfect workout from the comfort of their home. Multiple workout types are included in the free workout app, allowing you to find everything from essential yoga flows to core and strength training. Particular workouts are even included for small spaces or when you have only 20 minutes of free time to up your fitness game.

    Key Features

    • Get a complete workout done in only 7 minutes
    • Targeted workouts for different muscle groups
    • Workouts for beginners and those with experience

    7 Minute Workout

    Available on

    iOS and Android

    Pricing

    Free (Pro up to $9.99/month or up to $49.99/year)

    If you are extremely short on time, consider the 7 Minute Workout app. In less than 10 minutes, you can perform a complete workout to level up your health. The exercises within the app require no equipment, so you can do them anywhere — at home, in the office or at the park. Beginner-friendly workouts are included, or you can push yourself with personal trainers guiding you through your fitness routine.

    Key Features

    • Workouts from celebrity trainers
    • Use your smartphone, tablet, laptop or TV
    • Browse workouts by type, length or intensity

    FitOn

    Available on

    iOS and Android

    Pricing

    Free (Pro up to $49.99/year)

    The goal of the FitOn app is to provide you with unlimited workouts that you can jump into anytime and anywhere. Whether you want to lose weight or get fit, several personalized workout plans are available. Activities within FitOn include cardio, strength training, HIIT (high-intensity interval training), yoga workouts and Pilates. FitOn even includes meditations within the app to help you reduce stress and improve energy levels.

    Adidas Training by Runtastic

    Key Features

    • Create and customize workouts
    • Over 180 exercises available
    • Workouts as short as 7 minutes

    Adidas Training by Runtastic

    Available on

    iOS and Android

    Pricing

    Free (Premium up to $9.99/month or up to $59.99/year)

    Nike isn’t the only sportswear company making fitness apps. The folks at Adidas teamed up with Runtastic to create the Adidas Training app. Use the app’s inbuilt Workout Creator to craft a workout customized to your needs — whether you want to build muscles or lose weight. There are over 180 HD video workouts within the app, and you can choose from various free exercises.

    Key Features

    • Track your runs and store progress
    • Use guided runs to get motivated
    • Join challenges with other Nike Run Club members

    Nike Run Club

    Available on

    iOS and Android

    Pricing

    Free

    Not one to be outdone, Nike has a second exercise app designed specifically for those who like to kick up asphalt or dirt. The Nike Run Club provides a virtual running coach and a selection of training plans to help you achieve your best. The Nike Run Club app can coach you if you are starting or preparing to run a marathon. The app will also help track your stats, such as running speed and distance.

    Key Features

    • Includes preset workout routines
    • Over 800 exercises included
    • Track your progress with sets, reps and weights

    Map My Fitness

    Available on

    iOS and Android

    Pricing

    Free (MVP up to $5.99/month or up to $29.99/year)

    The team at Under Armour also has a fitness app. Map My Fitness enables you to build your workouts from over 800 activities. You can also connect fitness devices to help analyze your workout data. The Map My Fitness app even includes personalized form coaching tips for Garmin smartwatch users.

    Key Features

    • Track and plan your home or gym workouts
    • Receive info on body and muscle recovery times
    • Plans to help you diversify your workout routine

    JEFIT Workout Planner

    Available on

    iOS and Android

    Pricing

    Free (Elite up to $12.99/month or up to $62.99/year)

    If you need help keeping track of your workouts, the JEFIT Workout Planner is a great place to start. But JEFIT doesn’t only allow you to log your activities; it provides an extensive exercise library with video demonstrations. HD video exercise instructions can help you learn new techniques for working out. JEFIT emphasizes muscle building with plans perfect for bodybuilders, weightlifters and powerlifters.

    Key Features

    • Prepare yourself to run a 5K over 8 weeks
    • Training with a personal audio coach
    • Track your calories while mapping your route

    C25K

    Available on

    iOS and Android

    Pricing

    Free (Unlimited up to $4.99/month or up to $49.99/year)

    The C25K app has one goal: to convert you from a couch potato into someone ready to run a 5K marathon. Those who choose to dive into the C25K free workout app will be encouraged to train 30 minutes a day, three days a week, over eight weeks to finish a 5K. An audio coach will walk you through the process, and the app provides a community of millions of users you can communicate with during your training.

    Key Features

    • Includes complete position guidance
    • Offers a tailored daily program
    • Includes voice and video guidance

    Yoga for Beginners

    Available on

    iOS and Android

    Pricing

    Free (Pro up to $12.99/month or up to $59.99/year)

    If you’re new to yoga, jumping in with the Yoga for Beginners app is an excellent move toward a better mind and body. The app offers handcrafted workouts to get you started with your yoga practice, soothing voices and music guiding you along the way. Beginner-friendly workouts are available, and the app offers sessions that can be performed any way or anywhere.

    Key Features

    • Track all of your sport activities
    • Sync Strava with thousands of apps and devices
    • Share your journey with friends

    Strava

    Available on

    iOS and Android

    Pricing

    Free (Premium up to $11.99/month or up to $79.99/year)

    If workout apps have felt isolating, then the Strava app might be for you. Strava lets you record your activities and share them with friends and family. The app offers over 30 sports to track, including running and biking, and yoga practice. You can join or create challenges to participate in, earning digital badges as rewards. Strava can also recommend popular routes to try out during your workouts.

    Frequently Asked Questions (FAQ)

    What Are the Best Workout Apps for Free?

    Many workout apps are free or offer free content with premium purchase options available. We researched the iOS and Android app stores to find the best free workout apps available for your lifestyle. Our favorite free fitness apps include:

    • Nike Training Club
    • 7 Minute Workout
    • FitOn
    • Adidas Training by Runtastic
    • Nike Run Club
    • Map My Fitness
    • JEFIT Workout Planner
    • C25K
    • Yoga for Beginners
    • Strava

    Is the FitOn App Really Free?

    The FitOn app provides workouts, along with meditations, so that you can focus on improving your mental and physical health. You can download and begin using the FitOn app at no cost, but you’ll need a premium membership to access the entire content library.

    Is There a Free App for Weight Training?

    We recommend checking out the JEFIT Workout Planner to build iron. While the workout app provides various activities, we found it to have a particularly strong selection of options for bodybuilders, weightlifters and powerlifters.

    Michael Archambault is a senior writer for The Penny Hoarder specializing in technology.


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  • How to Stay Safe Online So That Your Money and Data Are Protected

    How to Stay Safe Online So That Your Money and Data Are Protected

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    The coming of a new year signifies a chance for all of us to take charge of our finances with renewed vigor. And in a world where we spend a good part of our time online, we also want to be smart when it comes to internet safety.

    To help you achieve a state of internet bliss, we’ve gathered our top articles to keep you safe online. From managing your passwords to securely surfing the web, we’ve got recommendations and internet safety tips for all. Here’s how to stay safe online in 2023.

    Securing Your Passwords

    When it comes to internet safety, your passwords are the keys to your digital kingdom. Start by storing your passwords in a secure password manager.

    Using a password manager, you can keep your passwords in one safe spot. Check out our favorite password managers to find an option that works for your digital life.

    Use a strong password, and avoid any bad password habits (such as using the same password for multiple accounts). Turning on additional security features such as two-factor authentication is highly recommended for sensitive accounts such as your bank account.

    And, if you need to share access to passwords with family and friends, be sure to share passwords securely and maintain internet safety.

    Secure Logins with Face ID

    Passwords are great, but if you have an iPhone or iPad, you may wonder if Face ID is secure enough to access sensitive accounts and maintain a high level of internet safety.

    Face ID is Apple’s biometric security solution that uses a 3D model of your face as a password — it is the evolution of Touch ID, which uses fingerprint identification.

    Be sure to read our guide on Face ID, in which we discuss how safe the solution is for everyday use, as well as for sensitive financial information such as bank logins.

    Surfing the Web Safely

    We spend plenty of time online, so ensure you surf with internet safety in mind.

    If you commonly use public Wi-Fi or have concerns about others eavesdropping on your internet connection, consider using a virtual private network, or VPN, for a more secure internet connection.

    While browsing, it also doesn’t hurt to have a solid understanding of different areas of the web, including those you may want to avoid, such as the dark web.

    Online Banking and Finances

    Some of the most sensitive activities that we carry out online include online banking and money transfer services. If someone were to gain access to your online bank account, they could cause devastation to your financial assets — a major internet safety issue.

    To help ease your concern, we’ve taken a closer look at banking apps to determine whether they are safe to use.

    Additionally, if you transfer money from your bank account to others, check out our tips on using Zelle and other payment apps safely and keep online safety in mind.

    Personal Information on Google

    Google is a powerful search engine, and many of us use it daily. Foraging the web for information, search engines are useful tools that allow us to complete research and find resources easily.

    But sometimes you’ll find your personal information showing up in search results (such as your bank account information), which could compromise your personal and internet safety. Listed personal information could also make your data susceptible to online scams.

    Don’t let Google be the reason you fall victim to identity theft. Search Google for your name occasionally to see what appears and, if needed, take action to remove personal information from Google searches.

    Securing Your Sensitive Documents

    We all need to store sensitive information on our computers occasionally. Sensitive documents could be more obvious items such as bank statements and tax return information or merely documents that you find to be personal.

    Be sure to safely store important documents on your computer so prying eyes can’t obtain access. Your internet safety extends to ensuring your own devices are secure.

    When a Data Breach Occurs

    As hard as you may try to keep your online life safe, security faults may occur. If an unauthorized individual gains access to a secure server that stores personal or financial information, it is known as a data breach.

    However, you don’t need to panic if a data breach occurs. If you find out that your information has been compromised, take the appropriate actions to secure your information after a data breach.

    How you respond to a data breach is crucial to maintaining a high level of internet safety.

    Michael Archambault is a senior writer with The Penny Hoarder specializing in technology.


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  • Resolve to Keep Your Money and Health on Track With These 9 Apps

    Resolve to Keep Your Money and Health on Track With These 9 Apps

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    A new year, a new, improved person — at least, that’s what we all would like to think.

    The new year is a time to strive for our goals with renewed focus and vigor. So, to ring in the new year, we’re thrilled to suggest nine apps you need to download.

    These are our favorite apps to take control of your finances, health and overall productivity.

    Money and Finance Apps

    Who would we be if we didn’t kick off the new year with a few excellent money and finance apps? Helping you track your spending, plan for the future and avoid excess spending, these apps will help you enter the new year with an air of fiscal responsibility.

    Key Features

    • Track your finances in a single easy-to-use app
    • Set up budgets and set financial goals
    • Backed by customer support from folks at Quicken

    Simplifi

    Available on

    iOS and Android

    Pricing

    $3.99-$5.99/month

    Simplifi is one of our favorite personal finance apps, and we couldn’t think of a better way to start the year than with it. Designed by the folks at Quicken, Simplifi enables users to keep an eye on their spending, design a personalized budget, track monthly bills and monitor investments. Simplifi also provides insights to help you reach your financial goals faster.

    Key Features

    • Track subscriptions
    • Get access to a cancellation concierge
    • Link all of your financial accounts

    Rocket Money

    Available on

    iOS and Android

    Pricing

    $0-$12/month

    Rocket Money, formally known as Truebill, is our favorite way to keep track of all your subscription expenses. Rocket Money can find and track all of your subscriptions by keeping an eye on your bank account and helping you cancel services you don’t need. Plus, it includes other budgeting features so you can stay on top of your spending.

    Key Features

    • Instantly get a loan for up to $500
    • Get paid up to 2 days early for direct deposits
    • Discover side hustles

    Dave

    Available on

    iOS and Android

    Pricing

    $1/month + voluntary tips

    The Dave app is a lifesaver for anyone who has ever felt bogged down by banking overdraft fees. Able to loan you up to $500 instantly without interest or a credit check, Dave is excellent for temporarily covering your low balances. Dave can even help you budget your money or find a side hustle to make more cash.

    Health and Fitness Apps

    Your bank account isn’t the only thing we hope is healthy for the new year. We hope you are too! Protect that temple of a body and ensure that you are on track for a long and healthy life with these excellent fitness apps.

    Key Features

    • Track your caloric intake and macronutrients
    • Keep track of how much water you drink daily
    • Receive pattern notifications and reports

    Lose It!

    Available on

    iOS and Android

    Pricing

    $0-$39.99/year

    Losing weight can feel challenging, but the Lose It! app is one of our favorite options for tracking your food and shedding pounds. You can set weight goals and track crucial nutritional information, such as calories and macronutrients. It’s easy to use and doesn’t cost a dime to create an account and get started.

    Key Features

    • Meditations to help you every day
    • Sleep stories to help you fall asleep
    • Master classes to help with mindfulness goals

    Calm

    Available on

    iOS and Android

    Pricing

    $69.99/year or $399.99 once

    Mental health is as important as physical health. If you are stressed, try the Calm app. The Calm app contains a multitude of meditations, sleep stories, relaxing music and master classes to help you obtain a bit of zen in your life. Sleep better and stress less. Calm offers a free trial but requires a monthly or yearly subscription.

    Key Features

    • Digital journal to keep track of your emotions
    • Smart prompts driven by artificial intelligence
    • Personalized motivational content

    Reflectly

    Available on

    iOS and Android

    Pricing

    Price varies, typically $59.99/year

    Branded as the world’s first intelligent journal, Reflectly is an excellent example of how artificial intelligence can help us daily. You can log daily entries and Reflectly will help you process your feelings through prompts and intelligent questions. Reflectly also offers quotes and daily challenges for extra inspiration.

    Productivity and Organization Apps

    A critical subset of apps that we may not think about are those that enable us to be more productive and organized. Whether you are planning your day or preparing to write the next great American novel, these apps can keep you on track and organize your life.

    Key Features

    • Write handwritten notes with iPad, Apple Pencil
    • Search through your library of digital notes
    • Sync your notes to iCloud

    GoodNotes 5

    Available on

    iOS, Mac and Windows

    Pricing

    $0-$12.99 once

    For the creatives in the room, there is likely no need to introduce GoodNotes as a top-tier digital paper app. Using GoodNotes 5, you can sketch and write down ideas. It’s perfect for students and wandering minds alike. It works best on an iPad with an Apple Pencil but also on iPhones, Macs and Windows PCs.

    Key Features

    • Visualize tasks on a color-coded timeline
    • Automatically import tasks from device calendars
    • Get notified of upcoming tasks or events

    Structured

    Available on

    iOS and Mac

    Pricing

    $1.49/month, $7.99/year or $29.99 once

    The Structured app has a simple goal: to split your day into small tasks and visualize it easily. Structured should be right up your alley if you need help organizing your day and are falling off track. You can create tasks, edit their colors and get notified when an event is coming up. Structured will also pull new events in automatically from your device’s calendar.

    Key Features

    • Keep track of your passwords in one secure app
    • Generate passwords that meet security standands
    • Receive alerts for compromised passwords

    1Password

    Available on

    iOS, Android, Mac, Windows and Linux

    Pricing

    $35.88/year (personal) or $59.88/year (family edition)

    We’ve discussed how crucial it is to use a password manager in your digital life, so it should come as no surprise that one has ended up on our list. Our favorite password manager continues to be 1Password. Download 1Password to all your favorite devices and you won’t ever forget passwords another day in your life.

    Michael Archambault is a senior writer with The Penny Hoarder specializing in technology.


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  • Everything You Need to Do to Save $10K in a Year

    Everything You Need to Do to Save $10K in a Year

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    Saving $10,000 in one year may seem like a daunting challenge. It might feel impossible to save that much money. But imagine how beneficial it could be!

    You wouldn’t have to worry about not having enough money in case of an emergency. You could take that luxurious vacation you’ve been dreaming about. You’d be so much closer to reaching your biggest financial goals, like finally paying off your student loan debt.

    With the right game plan and discipline, saving $10,000 in a year is possible. We’ll walk you through how to make it happen.

    A Realistic Approach to Saving $10K in One Year

    Ten thousand dollars is a big number to think about, so let’s break it down into more digestible chunks.

    If you want to save $10,000 in a year, you’ll need to save $833.33 each month.

    That’s still a pretty big number to work with, so let’s break it down even further. You’d need to save $192.31 each week or $27.40 every day to reach your $10,000 savings goal.

    Here’s another way to look at it: If you get paid every two weeks, you’d need to put aside $384.62 each time you get paid.

    If you’re going after this savings goal with a spouse or partner, you can divide those amounts by two. You’d each need to save $416.67 each month, $192.31 biweekly, $96.15 weekly or $13.70 each day to save $10,000 in a year.

    Keep Your ‘Why’ In Mind

    Before you go about attempting this saving goal, it’s important to know the reason why you want to save $10,000 in a year.

    Reflecting on why you want to save up $10,000 will help you keep pushing when you want to stop being disciplined and just blow all your money on a shopping spree.

    An extra $10,000 in your bank account can help blaze your path to financial freedom. Maybe your emergency fund is low, and you want a bigger financial cushion to be able to fall back on. Or maybe you want to use the money to pay off credit card debt or student loans so you can be debt free.

    Perhaps you need seed money to start a business, or you want to quit your job and travel around the world. This pot of savings could help you achieve financial independence.

    Ten thousand dollars can also go toward a down payment for a home, a fabulous wedding or a new car. You can use it to complete a big home improvement project.

    If you’re expanding your family, you could use that cash for baby expenses — or fertility or adoption costs. Or if you already have kids, $10,000 could go toward their college fund and future financial security.

    Maybe you want to add an extra $10,000 to your investment accounts or retirement savings. Really, the options are endless.

    What’s important is that you have a specific reason why you want to save $10,000 in a year, and that you reflect on that reason throughout your savings journey.

    16 Ways to Save $10,000 in a Year

    Now that you understand how to break up this financial goal and you have a firm reason for why you’re saving in the first place, it’s time to dig into all the steps that’ll help you save $10,000 in a year.

    1. Use a Budget

    To achieve an ambitious goal like saving $10,000 in a year, first you need full awareness of how much money you have coming in and how much you have going out.

    Now is the perfect time to start a budget, if you don’t already have one. After you total up your monthly income, subtract all your monthly bills and expenses. Hopefully, you’re left with a positive number and not a negative one. That means you already have room in your monthly budget for saving money without taking any extra action.

    However, if that number is low (or is negative) that doesn’t mean you won’t be able to meet your savings goal. The tips in this list will help you find ways to cut expenses, spend less and earn more, so you’ll have more money available to save.

    2. Pay Yourself First

    Too often, we save money by putting aside whatever cash we have left over at the end of the month or pay period. To truly win at saving, you have to prioritize it up front and pay yourself first.

    Treat your savings mission like an important monthly bill you need to pay. At the beginning of the month or whenever you get paid, transfer money into your savings account before you have a chance to accidentally spend money. Better yet, set up an automated transfer so you don’t have to even think about it.

    Remember, the goal is to be able to deposit $833.33 into your savings account each month, but if you don’t have room to do that with your current financial situation, don’t worry. Our tips on slashing your spending and boosting your income can help.

    3. Use a Separate High-Interest Savings Account

    To avoid tapping into your rainy day fund and derailing your goal, it’s best to put your savings in a separate account that you don’t regularly access.

    A high-yield savings account is an account where you’ll earn compound interest on the money you save — at a higher rate than regular savings accounts or checking accounts.

    Other options to earn interest on your savings are opening a money market account or a certificate of deposit (CD) for a 12-month period.

    4. Adjust Your Tax Withholdings

    If you typically get a large tax refund when you file your annual tax return, you’re withholding an excess of money from your paychecks. Some people refer to this as giving the government an interest-free loan.

    By adjusting your tax withholdings, you can increase the amount of money in your paychecks — though you’ll no longer see those big tax refunds. Instead, you’ll be able to save that extra money each pay period to go toward your $10,000 goal.

    Getty Images

    5. Track Your Spending

    As you’re on this financial journey, it’s important to track your spending on a daily or weekly basis. Don’t wait until the end of the month to look at your checking account and discover you’re overspending.

    By tracking your spending with a budgeting app, a budget binder or a budget calendar, you will always be on top of where your money is going.

    6. Reduce Your Biggest Expenses

    Cutting back on your biggest living expenses can have a significant impact on your savings goal. Housing, transportation and food typically make up the bulk of monthly expenses for the average household.

    Save Money on Housing

    Downsizing or moving to a cheaper place is a drastic move, but big moves produce big results. If you want to cut down on housing costs without changing your current address, think about taking in a roommate or renting out space in your home on Airbnb.

    Save Money on Transportation

    Going from a two-car family to a one-car family can save you a few hundred dollars each month. Refinancing your car payment or trading in your set of wheels for a less expensive ride can also save you a significant amount of money.

    You can also save money on transportation by doing your own car maintenance and using these tips to save on gas.

    And don’t forget about your car insurance. Instead of wasting your time hopping around to different insurance companies looking for a better deal, you can use a website called EverQuote to see all your options at once. It could save you up to $610 a year.

    Save Money on Food

    Yes, you’ve got to eat, but chances are you could adjust your spending habits around food.

    If you eat out a lot, start meal planning so you have food available when you don’t feel like cooking. Instead of going to restaurants with friends, host potlucks at your house. Look up copycat recipes to make similar dishes to the ones from your favorite restaurants.

    There are oodles of ways you can save money on groceries. Using coupons and cashback apps like Upside, taking advantage of sales, buying in bulk, buying generic brands instead of name brand food and sticking to a list are a few options to try.

    7. Lower Other Recurring Bills

    Reducing additional recurring bills will help you funnel money towards savings. Here’s how you can in everyday life on things like utilities, cell phone, cable, internet and gym membership.

    Save Money on Utility Bills

    Cut the costs of your energy bills by adjusting your thermostat, changing filters regularly and sealing drafty doors and windows. Taking shorter showers, using water-saving faucets and running the dishwasher instead of washing dishes by hand can help lower your water bill.

    See this story for more tips to save money on utilities.

    Save Money on Cell Phone

    No more paying over $100 for your cell phone bill. Switch to a discount cell phone carrier, like Tello or Mint Mobile, to save money.

    Save Money on Cable

    Cut the cord to eliminate costly cable bills. With certain streaming services, you don’t have to miss out on live TV or NFL games.

    These free TV apps let you watch shows and movies at no cost. Or visit your local library to check out DVDs of your favorite films or television series.

    Save Money on Internet Service

    Switching to a lower-tiered plan is one way to cut costs on internet service, but maybe you don’t want to sacrifice your internet speed. Check out the deals competitors are offering and consider switching to a different internet provider. Sometimes just calling your current company and letting them know you plan to switch may sway them into offering you a nice discount.

    Save Money on Gym Memberships

    Gym memberships can get pricey — especially if you find you’re not going to the gym that often. Consider setting up a workout space at home or using free equipment at local parks to save money.

    8. Find Free Ways to Entertain Yourself

    Reduce your entertainment costs and fill up your free time with free things to do. Spend time outdoors. Attend free events or festivals in your city. Explore a part of town you don’t often visit. Host a movie marathon or karaoke night with your friends at home. There are plenty of things you can do without spending money.

    9. Barter for Goods and Services

    Rather than paying for things you want or need, consider bartering. For example, you can stop paying to get your grass cut and ask a neighbor to do it in exchange for free babysitting.

    If you think creatively, you might be surprised at what you can barter. Go beyond your immediate social circle and arrange a bartering exchange with people on Nextdoor or a local Facebook neighborhood group.

    10. Join a Buy Nothing Group

    Buy Nothing Groups are another way to get free items you need or want — without having to engage in any kind of exchange. Everything is offered as a gift or charitable donation.

    Craigslist and Nextdoor are other platforms where local people offer up free items to their neighbors.

    Before buying something new, check if you can get it for free first. Sometimes you’ll find items in great condition.

    A man takes food out of his pantry to cook with.
    Getty Images

    11. Make Saving Money Fun with a Savings Challenge

    You can start saving money today by participating in one of these challenges:

    • No-Spend Challenge: Ban all extra spending and don’t buy anything for a month (or more) unless it is essential. Or you could choose to focus your spending freeze on a particular online purchases — like not buying any new makeup or video games for the next 90 days.
    • $5 Challenge: Anytime you receive cash back from a purchase, put any five dollar bills you receive into savings. If you tend to swipe your debit card rather than pay with cash, you could transfer $5 from your checking account to your savings account each time you use your debit card.
    • Pantry Challenge: Skip your regular grocery shopping trip and challenge yourself to making meals using only what is currently in your pantry, cupboards and freezer. You might have to get creative!

    12. Save Any Financial Windfalls

    On your journey to save $10,000, you ought to save any unexpected sum of cash that comes your way. If you get a bonus at work, a nice tax refund or $20 from a scratch-off lotto ticket, put that money right into your savings.

    13. Enlist an Accountability Partner to Keep You on Track

    Having an accountability partner — someone who knows your savings goal and your reason for saving $10K — can help you commit to spending less money. Choose a friend, family member or even an online buddy from The Penny Hoarder Community who will check in on your progress regularly and will send you words of encouragement so you’ll stay motivated.

    14. Celebrate Your Wins

    Saving $10,000 in a year is a big goal. You deserve to reward yourself as you make progress toward financial success.

    Perhaps you want to celebrate your personal finance goal every month or whenever you reach a milestone, like when you’ve saved $2,500, then $5,000 and then $7,500.

    Just make sure however you choose to celebrate doesn’t derail your goal of saving money. Having a glass of champagne or a spa day at home are nice treats that aren’t expensive.

    15. Bring in Extra Income

    Sometimes cutting costs isn’t enough to meet a savings goal. Making money is another way to get you to the $10,000 mountaintop.

    A combination of reducing expenses and making money will make this savings challenge much easier. Just think: Instead of needing to save $833.33 each month, you could plan to save only $400 and challenge yourself to earn an extra $433.33 each month.

    Pick up Extra Hours at Work

    If you work an hourly shift, ask your manager if you can be scheduled for more hours. Ask co-workers to call you to pick up their shifts on days when they’re unavailable to work.

    If you’re a salaried employee, ask your manager about taking on more responsibilities for a pay bump.

    Ask for a Raise

    If you have a great track record at work, now might be a good time to ask your employer for a raise. Not sure how to start that conversation? Read our guide on how to ask for a raise.

    Get a Better Paying Job

    Sometimes the best opportunity to boost your salary is by getting a new job. Check out this story about a woman whose salary jumped 39% in a little over a year due to job hopping.

    You can even use a job offer from another company to get your current employer to counteroffer with a higher salary.

    Take on a Side Hustle

    You can earn several hundred dollars a month picking up a side hustle in addition to your main source of employment. Scan this list of the best side gigs to find your next money-making endeavor.

    Earn Passive Income

    Passive income is money you make without having to put in much effort or time aside from what it initially takes to set up the income stream. You can literally earn money while you’re sleeping.

    Check out these passive income ideas so you can earn supplemental income to go toward that $10K goal.

    16. Sell Items Around the House

    Another way to earn extra money is to sell unused items that are lying around at home. It could be anything from clothing and kids’ toys to sports equipment and furniture. These websites and apps are great places to sell things online so you don’t have to organize a garage sale.

    Frequently Asked Questions (FAQs)

    Here are the answers to three popular questions that tend to come up when people consider saving $10,000 in a year.

    How Much Money Do I Need to Save $10,000 a Year?

    You don’t have to earn six figures to be able to save $10,000 in a year. You just need to spend $10,000 less than the income you take in.

    If you break it down to a monthly basis, you need to have a surplus of $833.33 each month. From a weekly perspective, you need to save $192.31 a week.

    A combination of cutting expenses plus earning more money can really help you meet this savings goal.

    How Can I Save $10,000 in 100 Days?

    In order to save $10,000 in 100 days, you’ll need to save an average of $100 a day. That’s more than three times the savings effort of saving $10,000 in a year.

    While it’s definitely more challenging, it’s not impossible to meet this goal. However, you’ll likely need to boost your income significantly while operating on a bare bones budget.

    For inspiration, learn how The Penny Hoarder’s senior writer Robin Hartill was able to save $12,000 in 12 weeks to pay off debt.

    What is the Fastest Way to Save $10,000?

    The fastest way to reach your savings goals is to couple reducing expenses with earning more money. You’ll be able to save quickly if you can greatly reduce or eliminate your biggest expenses — for example, moving in with relatives to save on housing costs.

    If you’re able to significantly increase your salary by getting a big raise or starting a better paying job, you’ll be able to save up money fast as long as you don’t give into lifestyle inflation.

    Nicole Dow is a former senior writer at The Penny Hoarder. Senior writer Rachel Christian contributed.


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  • Ease the Inflation Squeeze: How to Combat Inflation in 2023

    Ease the Inflation Squeeze: How to Combat Inflation in 2023

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    Inflation peaked at more than 9% in 2022, and we’re heading into 2023 with numbers almost as grim (7.7% over this time last year). This unprecedented increase in the cost of living is hitting our wallets at almost every transaction, but the prices of food and gas — two basic expenses we need to survive — are especially high.

    So how do we fight inflation? The easy answer is to cut expenses, earn more money and make smarter short- and long-term investments. But in a tough economy with mass layoffs and surging housing costs, how can we actually do this?

    32 Ways to Fight Inflation in 2023

    Experts at the Federal Reserve are predicting a 3.1% drop in inflation in 2023, and Morningstar has an even brighter outlook: an average 2.6% inflation rate between 2022 and 2026, just 0.6% over the 2% target set by the Federal Reserve.

    That would mean the rising prices in 2022 represent the peak of this spike, and we’re on our way down.

    But just how fast inflated prices will fall is up for debate. In the meantime, American families are looking for ways to cut expenses and earn more money.

    Here are 32 ways you can combat inflation until prices drop:

    1. Make a Budget

    The first step to cutting back expenses? Understand how much you’re spending now.

    Create a monthly budget that accounts for all your necessary expenses and discretionary expenses. Then you can pinpoint specific spending areas — like grocery shopping, dining out, subscription services or utilities — that are potential candidates for cutting back.

    Not sure where to start? Check out our step-by-step guide to building a budget, or download one of these top budgeting apps.

    2. Pay Down Your Debt

    The higher inflation gets, the harder it will be to pay off high-interest debts. As much as you can, put extra cash toward paying down debts, starting with the loan that has the highest interest rate.

    If you’re struggling with multiple payment dates and interest rates, think about a balance transfer credit card or debt consolidation loan.

    3. Share Resources with Neighbors

    Getting to know your neighbors can be helpful and pleasant. While it’s nice to have someone to chat with over the fence, neighbors can also be a great resource in a pinch — as long as you help them when they need it, too:

    • Need a cup of flour or a couple eggs? Don’t waste the gas to go to the supermarket; your neighbor may have food to spare.
    • Want a night out? Trade babysitting services with a trusted neighbor.
    • Tackling an unusual home renovation project? Don’t buy an expensive tool if your neighbor is willing to let you borrow theirs.

    4. Become a Vegan

    Food prices are up nearly 11%, outpacing most other areas of rising inflation. Meat’s actually not the highest increase (about 8%), but dairy products have surpassed 15%. The solution? Embrace the vegan lifestyle.

    Most of us probably can’t give up our meat and cheese completely, but by reducing the amount we consume (try out “Meatless Mondays”!), we can reduce our grocery bills.

    New to vegan cooking? Try these 10 cheap vegan meals at home.

    5. Save Money on Produce

    High food prices go beyond meat and dairy. The average price of fruits and vegetables is currently up more than 9%.

    But if the food pyramid taught us anything, it’s that fruits and vegetables are important. So how can you buy produce when inflation threatens your buying power?

    • Purchase frozen and canned produce to avoid food waste; fresh produce is great but goes bad quickly.
    • Only buy fresh produce in season when costs are lower.
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    6. Buy in Bulk

    Buying in bulk can save you money, as long as you’ll use the items before they go bad. Focus on items like meat that you can freeze, frozen foods and non-food items like diapers and paper towels.

    When you buy in bulk, you’ll make fewer runs to the grocery store — a great way to cut down on fuel costs.

    Pro Tip

    Pay attention to the cost per unit. While bulk items have a higher price tag, you’ll usually get more product for every cent spent.

    7. Cook What You Have in Your Pantry

    Another way to beat inflation at grocery stores? Don’t go every week.

    Your routine might include a weekly trip to the supermarket to stock up on food, but you might have enough in your fridge and pantry to last longer.

    For 2023, try the Pantry Challenge once a month to see if you can cut back on grocery shopping. Just make sure you have these 11 pantry essentials before starting.

    8. Meal Prep

    Having a busy schedule can make it tempting to rely on the drive thru at lunch and takeout for dinner, but eating out in any form is expensive. Set aside an hour every week to prep meals for yourself using inexpensive foods you have around the house.

    Don’t be intimidated if you’re not great in the kitchen. Here’s how to start meal prepping even if you’re a beginner — and don’t forget to check out our tips for meal planning on a budget.

    9. Buy Generic Brands

    Name brands have slick marketing campaigns and fun mascots that tempt us into buying their products. Often, store brands offer the same quality — but at a lower price. Shopping generic is one of the easiest ways to beat inflation.

    Pro Tip

    While store brands are usually cheaper, special campaigns may mean you’ll save money on a name brand during a promotion or sale.

    10. Take Pictures of Your Receipt

    Download apps like Ibotta or Fetch to earn extra cash when you shop. Though you won’t get rich off these programs, you can get a few bucks back when you shop at certain stores and submit a photo of your receipt.

    11. Use Coupons

    The days of coupon clipping are far from dead. Going through weekly coupons may seem tedious, but you can flip through weekly ads to find great deals while watching TV.

    Pro Tip

    Many grocery chains also offer digital coupons when you join their loyalty programs.

    12. Skip Food Delivery

    Grocery delivery is convenient — and food delivery services like Uber Eats and DoorDash are tempting when it’s cold outside — but these apps make the cost of groceries and takeout way more expensive.

    Instead, find grocery stores with free curbside pickup and drive to restaurants to get your takeout order.

    A woman stretches in her house while doing yoga.
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    13. Focus on Your Health

    While food and gas are the top two areas affected by inflation, healthcare costs are also on the rise. McKinsey estimates US healthcare expenses will be $370 billion higher by 2027, due to inflation.

    As it turns out, fighting inflation also means fighting off the common cold. Save money on doctor’s visits and cold medicine by eating healthy, working out, getting enough sleep and wearing a mask in crowded public places, especially if you have a weakened immune system.

    14. Shop Around for Car Insurance

    When’s the last time you shopped for car insurance? Chances are, there’s a better deal out there — or you might be paying for coverage you don’t need.

    Take an hour to review your current coverage, calculate how much car insurance you actually need and compare prices across major insurance providers.

    Pro Tip

    You can usually save on car insurance if you bundle it with homeowners or renters insurance.

    15. Don’t Buy a New Car Yet

    Because of ongoing supply chain issues, new car prices are expected to stay high going into 2023. J.P.Morgan estimates that car prices may decrease later in 2023; put off buying a new one a little longer, if you can.

    If you need a vehicle now, buy a used car. While used car prices spiked in early 2022, they’re already on a downward trend.

    The Inflation Reduction Act extended the $7,500 EV tax credit for new electric vehicles. If you can afford a new EV and the at-home charging infrastructure, it could pay off in tax credits and fuel costs.

    16. Sell Your Car

    If you’re a two-car household, try living with just one car for a month. After a month, if you’re confident you can live with just one car, sell the other car for some quick cash — and see those savings continue with fewer registration and car maintenance costs.

    Even if you discover you need two cars, cut out driving wherever you can. Carpool with coworkers, bike to work or use public transportation if you live in the city.

    17. Join a Gas Rewards Program

    Gas prices continue to drain the average budget as the government works to ease inflationary pressures. Joining a gas rewards program can help you save each time you pump — and may offer other perks, like price matching and in-store discounts.

    Pro Tip

    If you drive a lot, consider opening a gas credit card to maximize rewards.

    18. Travel on a Budget

    An easy way to fight inflation is to cut out “unnecessary” expenses like vacations. But hey, everybody deserves a break now and then.

    If you’re traveling in 2023, research when to book flights for the best deals, especially if you’re looking for cheap holiday flights, when prices skyrocket.

    International travel continues to be more expensive — and crowded, as people look to make up for lost time from COVID. Instead, plan a cheaper weekend trip just a short drive from home.

    Thinking of seeing America’s greatest sites? Here’s how to visit national parks on a budget.

    A mother and daughter watch television together.
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    19. Cut Out Streaming Services

    Netflix used to be a way for families to cut out high cable costs, but with the advent of Hulu, Disney+, Peacock, Amazon Prime, HBO Max and others, watching TV can be just as expensive as it was a decade ago.

    Limit yourself to just one or two streaming services a month. You can always switch out services every few months based on when new seasons of your favorite show release.

    Pro Tip

    Call customer service to tell them you’re canceling to see what deals they may tempt you with. This can also work with phone and internet providers.

    20. Cancel Your Gym Membership

    Cutting a gym membership is an easy way to infuse more cash into your budget. Instead, use your apartment’s gym, invest in a small weight set or go for a jog outside.

    21. Get a Roommate

    Living by yourself has its perks, but with housing prices at an all time high, sharing the monthly rent bill is an easy way to fight inflation.

    Don’t pick just any roommate, however. Here’s how to screen roommates to avoid major financial troubles.

    22. Lower Your Utility Bills

    Your electric, gas and water bills have probably spiked since this record-breaking inflation began. While you can’t just shut off your electricity and water, there are easy ways to lower your utility bills, like:

    • Installing LED light bulbs throughout your home.
    • Hanging curtains to trap in heat during the winter.
    • Opening windows and using fans in the summer.
    • Installing a low-flow toilet and shower head.
    • Fixing leaky sinks right away.

    23. Give the Gift of Time

    If you have a wide circle of friends and family, birthday gifts can add up. Talk to your loved ones about skipping gifts in 2023 and instead vowing to spend more time together.

    Bonus points if you find free things to do together, and extra credit if you make money together doing a side hustle!

    24. Have Fun at Home

    Everyone needs to get out of the house and have fun sometimes, but maybe those $2,000 Taylor Swift concert tickets aren’t the best use of your cash.

    While inflation remains high in 2023, find new ways to have fun at home for free, like:

    • Reading books from the library.
    • Doing puzzles and playing board games.
    • Starting a garden or playing lawn games, like cornhole or croquet.
    • Dusting off old video game consoles for a day of nostalgia.
    A couple do a kitchen renovation.
    Getty Images

    25. Put Off Home Renovations

    Lumber, steel and labor shortages following COVID-19 have sent construction costs skyrocketing — but CBRE’s Construction Cost Index indicates that they should drop in 2023 and 2024.

    If you’ve been dreaming up a renovation project since quarantine, hold out a little longer. Inflationary prices are likely to go down later in 2023.

    26. Start a Side Hustle

    Cutting out all the expenses we’ve talked about — from streaming services to dairy products to car insurance — is a great way to fight inflation.

    But when everything costs more, we need to earn more to keep up. If you’ve got time on your hands, try out a new side hustle for extra cash.

    You can make money on almost anything, from flipping furniture to taking photos to shopping for and delivering food.

    27. Ask for a Raise

    If you didn’t get a raise consistent with inflation in 2022, you essentially got a pay cut. Going into 2023, we’re seeing massive layoffs, especially in the tech industry, so it may be difficult to negotiate a raise, but it’s worth a shot.

    Pro Tip

    If an employer can’t give you a raise, negotiate for more paid time off. You can use that time to work on a side hustle — earning extra cash while still getting paid by your main gig.

    28. Open a High-Yield Savings Account

    Even the best high-yield savings accounts haven’t kept up with inflation. However, earning 2% to 3% APY on your emergency fund is a lot better than earning 0.01% at a traditional bank.

    Plus, it’s possible the interest rate on your high-yield savings account will outpace inflation once it eventually slows down.

    29. Maximize Your Tax Refund

    Tax season can be a major headache, but it’s also an opportunity to get a huge influx of cash via your tax refund — a surefire way to fight inflation.

    Make sure you understand how tax credits and tax deductions work to get the biggest write-offs, especially if you’re a low-income family who can take advantage of the Earned Income Tax Credit.

    Pro Tip

    If you made $73,000 or less in 2022, you qualify for free tax filing with guided tax preparation via the IRS.

    30. Use a Cash Back Credit Card

    A cash back credit card earns money every time you swipe. By using a cash back credit card for everyday purchases you’ll make regardless — like groceries and gas — you’re essentially earning a discount on everything.

    If you don’t have a high enough credit score to qualify for a cash back credit card, look for an online checking account with a cash back debit card.

    31. Invest in I Bonds

    Investing in 2022 was extra risky — and ultimately led to major losses across the board. But one investment that makes sense right now? Series I Savings Bonds. Now through April 30, 2023, these bonds have a 6.89% interest rate.

    Series I bond interest rates are a combination of a fixed rate and the inflation rate, changing every six months. These are the only inflation-protected security offered by the Treasury Department.

    32. Don’t Panic About Investments

    Even though the stock market looks bleak and your retirement account probably took a beating in 2022, don’t lose hope.

    Most of us are investing for the long term. Over time, a diversified investment portfolio tends to pay out — and much more than bonds and high-yield savings.

    FAQs

    What Inflation Is Expected in 2023?

    Right now, the Federal Reserve is predicting a 3.1% drop in inflation for 2023 over 2022’s historic rates. While inflation will fluctuate from month to month — and yet unknown world events can introduce unexpected inflationary pressures — it does signal that prices will begin to return to normal in 2023.

    When Will Inflation Go Down?

    No one can say for sure when inflation will go down, but economists at the Federal Reserve expect inflation to drop by 3.1% in 2023. Morningstar analysts predict that, from 2022 to 2026, inflation will average out to just 2.6%, meaning 2023 through 2026 should usher in the return of lower costs of goods and services.

    How Can I Prepare for Inflation?

    To prepare for and fight inflation, prioritize paying down debts with a high interest rate, which can get out of control as prices spike. Make a budget and find easy places to cut costs — like at the grocery store, on dining out and on streaming services. Ask for a raise at work or take on a side hustle to inject extra cash into your budget. Make smart investments, like Series I Savings Bonds, but still contribute to traditional retirement accounts if you can.

    Timothy Moore covers bank accounts, loans, insurance and credit cards for The Penny Hoarder from his home base in Cincinnati. He has worked in editing and graphic design for a marketing agency, a global research firm and a major print publication. He covers a variety of other topics, including travel, taxes, budgeting, pet care and automotive. He’s worked in the field since 2012 with publications such as The Penny Hoarder, Insider, Sound Dollar, Chime, SoFi, Debt.com, Ladders, WDW Magazine and Glassdoor.


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  • This Money-Saving Challenge Starts With Just a Single Penny

    This Money-Saving Challenge Starts With Just a Single Penny

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    What difference can saving your pennies make? A lot, it turns out, if you’re doing the penny challenge.

    This money-saving challenge helps you put aside $667.95 in a year — or $671.61 in a leap year. To participate in the challenge, follow these steps:

    1. Start by saving one penny on the first day.

    2. Each day that follows, add one cent to the amount you saved the day before. For example, on day two, you’d add $0.02 to your savings. On day three, you’d add $0.03 and so on.

    3. Continue this pattern every day for an entire year.

    Now, please note: You’re not simply saving one penny a day. If you did that, you’d wind up with only $3.65 in savings at the end of the year. Pretty pointless.

    The key to growing your savings with this challenge is adding an additional penny to what you’re depositing each day, not to your total savings. So on day two, your total will be $0.03 because you’re adding $0.02 to the penny from the first day. On day three, you’ll have a total of $0.06 after making your daily savings deposit.

    This chart shows how much you’d deposit each day — along with your savings balance — for the first week of the penny challenge.

    Penny Challenge at a Glance

    Day Daily Savings Balance
    1 $0.01 $0.01
    2 $0.02 $0.03
    3 $0.03 $0.06
    4 $0.04 $0.10
    5 $0.05 $0.15
    6 $0.06 $0.21
    7 $0.07 $0.28

    You’re starting out with super small amounts, but your money will grow over the course of the year. And because the daily saving amounts are nominal, you don’t have to stress about needing a bunch of money to build your savings.

    Saving Money With the Penny Challenge

    If you stick with this money-saving challenge for an entire year, you would deposit $3.65 on the last day of the challenge and you’d end up with a total of $667.95. (Trust us, we did the math.)

    That’s $667.95 you could add to your emergency fund or use to pay down debt. It’s money you could put toward a future vacation or a shopping spree.

    Plan out how you’d like to use your savings. Having an end goal that really matters to you will serve as great motivation to stick with this challenge all year long.

    Tackling the Penny Challenge by the Month

    While it’s easy to find enough spare change to get this challenge started, it gets progressively difficult as the days and weeks pass — especially if most of your financial transactions are cashless.

    You can hack the challenge by putting your savings aside once a month rather than once a day. By grouping together all of your daily savings for the month and making one deposit, you won’t face the struggle of coming up with exact change each day.

    Savings Growth Month by Month

    Month Amount
    January $4.96
    February $12.74
    March $23.25
    April $31.65
    May $42.16
    June $49.95
    July $61.07
    August $70.68
    September $77.55
    October $89.59
    November $95.85
    December $108.50

    Pay yourself first by making your monthly savings deposit before you spend money on bills or other expenses. Or schedule automatic transfers from your checking to your savings account so you don’t even have to think about saving.

    Let the money sit in your account without making any withdrawals and by the end of the year, you’ll have over $600 to spend as you please.

    Nicole Dow is a former senior writer at The Penny Hoarder. Deputy editor Tiffany Wendeln Connors updated this post.


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  • 8 Ways to Survive Being Stranded at the Airport — Without Going Broke

    8 Ways to Survive Being Stranded at the Airport — Without Going Broke

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    Thousands of tired and frustrated airline passengers are stranded at airports and sleeping in terminals across the U.S. in the wake of widespread flight cancellations due to a deadly winter storm.

    The crisis started over Christmas weekend. By Tuesday, thousands of flights all over the country were being canceled or delayed. The chaos and mayhem and piled-up baggage at American airports were expected to continue well into Wednesday, at least.

    Hey, we’ve been there and done that. Over the years, we’ve learned a few handy ways to survive being stuck at the airport — without going broke (or insane).

    Here are eight of our best survival tips:

    1. Always Carry These 6 Things

    Although we rarely check a bag, we know it’s not always an option for many people.

    Whether you’re carrying on or checking a bag, never board a plane without these essentials:

    • Snacks: Airport food = bleh. If you’re stranded for long enough, you’ll of course have to buy some — but healthy snacks can tide you over in a short delay.
    • Empty water bottle: You can’t bring liquids through security — but an empty bottle? You’re golden. Don’t fall victim to the $5 airport water.
    • Warm sweatshirt: It’s like the universal law of airports and airplanes that they’re either hotter than Florida in July or colder than Chicago in January. If you don’t end up wearing it — but let’s be real, you probably will — you can use it as a pillow.
    • Toothbrush and toothpaste: When you’re having a rough travel day, brushing your teeth can make a world of difference. Trust me on this one.
    • Phone charger: Do you really need an explanation?
    • Good book: Books don’t need power. So instead of fighting at the outlet with a bunch of randos, you can enrich your brain in your own space.

    2. Know Your Rights

    If your flight gets canceled or significantly delayed, the airline is supposed to offer you a refund. But they won’t always tell you that. Then they’re supposed to actually follow through and pay you that refund. But it turns out, that doesn’t always happen.

    Trouble is, the rules governing flights and airlines can get complicated, and even frequent flyers don’t necessarily know all of them by heart. So our guide here breaks down exactly what rules the airlines are required to follow if your flight is canceled or delayed, or if your flight is overbooked, or if your luggage gets lost.

    Let’s say you’re at the airport and your flight suddenly gets canceled or massively delayed. Fuming, you drag your bags to the ticket counter.

    Maybe the ticket agent tells you to sit tight and wait. Or maybe the airline offers you a travel voucher, which you can use to buy another plane ticket at a later date.

    You don’t have to accept that, though. You don’t have to wait for the next flight. You don’t have to take the voucher. You’re legally entitled to an actual refund — a full refund, no funny business, no random fees taken out or anything. Don’t let them tell you otherwise.

    3. Be Nice

    Look, be aware of your rights — just don’t be a jerkface about them.

    Being stranded in the airport sucks, and nobody knows better than the people who work at the airport.

    So don’t take it out on them. Be patient.

    Remember: They didn’t wish this snowstorm on you. They probably want to go home to their families as much as you do. The only difference is you aren’t getting screamed at by a merry-go-round of very unmerry passengers.

    4. Book Your Hotel

    As soon as you know you’re going to be stuck overnight, get a hotel on the horn. Book for that night, and if it looks like a massive delay, a few extra just in case (after checking on the hotel’s cancellation policy, of course).

    Thanks to the law of supply and demand, some hotels jack up prices as soon as they find out about travel troubles — so booking right away could mean better rates.

    If you don’t find availability near the airport, don’t be afraid to venture farther afield. With the proliferation of ride-sharing services, staying outside the airport’s general vicinity can sometimes save you quite a bit of money.

    5. Turn to Your Credit Card

    If you paid for your tickets with a credit card, it’s time to read the fine print.

    Because you might just get lucky: Some offer reimbursement for travel delays.

    Some credit cards reimburse the cost of meals and lodging when air travel is delayed by more than six hours or requires an overnight stay. The policy typically covers a certain amount per ticket for the cardholder, their spouse or domestic partner and dependent children.

    6. Jump on Twitter

    Not getting any traction with the airline in person or on the phone? Try social media.

    It sounds crazy, but we’ve gotten excellent service by sending out tweets and @mentioning the company. Even on occasions when we weren’t having any luck over email or on the phone, they’ve responded quickly via tweet.

    And don’t think it’s just because we’re with the media either; even airline reps make the same suggestion.

    7. Buy a Lounge Pass

    Airport lounges typically cost around $50 per day. That might seem like an exorbitant cost — until you’re stuck for a significant amount of time, that is.

    Airport lounges offer outlets, private Wi-Fi, showers, comfy seating, snacks and, most importantly, FREE DRINKS.

    If you were planning to spend the next 12 hours posting up at the airport bar, a day pass to a lounge could save you a lot of money.

    Lounges also have a dedicated service desk whose representatives can help re-book flights, helping you avoid the Sisyphean lines in the main area.

    8. Find a Quiet Place to Sleep

    If you don’t want to spend the night on the floor (gross), Sleeping in Airports might become your new best friend.

    This website reveals all the best nooks and crannies to rest your head, plus lots of other information that might help you survive your delay unscathed.

    Getting stuck in the airport is one of life’s great annoyances. But when your patience is running thin, remember that’s all it is: an annoyance.

    It’s still an extraordinary privilege to travel — especially in a giant metal box in the sky.

    Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. Susan Shain is a former senior writer at The Penny Hoarder.


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  • They Don’t Make it Easy: How to Cancel Amazon Prime Subscription

    They Don’t Make it Easy: How to Cancel Amazon Prime Subscription

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    When modern consumers look at their subscription account statements, occasionally they ask themselves “At what price would I stop using that service?”

    Some consumers may have reached that tipping point for Amazon Prime when it raised its annual Prime membership early in 2022. The yearly subscription price is $139 (up from $119) and the monthly is $14.99, a hike of $2.

    Low-income subscribers and students also saw subscription increases. Students pay $7.50 a month. That’s $69 a year and a $10 increase. People who receive qualified forms of government assistance, such as Electronic Benefit Transfer (EBT), pay $7 a month, a $1 jump.

    If you are one of those consumers who doesn’t see the value in Prime, here is how you go about canceling your subscription.

    Prepare to be persistent.

    Step-by-Step Guide to Canceling Amazon Prime

    • On the front page of your Amazon account, click on the “Accounts and Lists” menu. The drop-down offers a link to “Prime Membership.”
    • Click that, then click on “Manage Membership.”
    • Yet another drop-down will offer a click for “Update, cancel, and more” and then you click “End Membership.”
    • Another page will appear, and you should click on “Cancel My Benefits.”

    You are not done. Amazon apparently finds it hard to believe anyone would cancel its subscription, no matter the cost.

    • After you click on “Cancel My Benefits,” you are likely to be asked, and asked again, if you really want to cancel your subscription.
    • Keep clicking the “Continue to Cancel” choice to get to the end result.
    • Eventually, you will reach “Cancel Your Prime Membership.” Click on that and the deed is done.

    One Complication with Canceling Amazon Prime

    If your Amazon Prime membership is a result of another association, such as with a Sprint phone account, you must contact that provider to end your Amazon Prime membership.

    Alternatives to Amazon Prime

    If you’ve had Amazon Prime for any length of time, you may find it hard to quit the deals and free two-day delivery guarantee for many items.

    However, there are other services with shopping and shipping privileges similar to Amazon Prime offerings. They may not be as comprehensive in offerings but depending on what you use Amazon Prime for, they may be enough.

    Target RedCard

    Limited to products offered by Target, Target RedCard has same day delivery depending on your location. A Target RedCard is free; delivery is $5.99 for each eligible offer, but that cost is eliminated if the delivery is for an order of $35 or more. Delivered items do not qualify for the RedCard 5% discount. Target RedCard is a credit card; it comes with a high interest rate (25.90% as of this writing) so carrying a balance would be a bad idea.

    ShopRunner

    ShopRunner offers delivery from many of the popular stores and designers that you may already buy from. It’s worth it to take a look at the dozens of outlets that they partner with to determine if ShopRunner offers enough for you. The annual fee is $79. You can shop directly from ShopRunner, or you may see a ShopRunner logo when you shop on product websites.

    Hive

    Hive offers natural, environmentally friendly products, and it also offers free delivery for those items if you purchase $50 or more. Any delivery request below $50 comes at a cost of $5.95 per delivery. Delivery to Alaska, Hawaii or Puerto Rico has a $30 rate. A Hive subscription costs $12 per month, although there are special rates for non-profits.

    Walmart

    Walmart offers express delivery of two hours or less depending on location. There is a cost of $7.95 or $9.95 per delivery, but consumers can purchase an annual delivery membership at Walmart+ for $98, or a monthly subscription for $12.95. Next day delivery is always free.

    How to Cancel Amazon Prime Video Subscription

    Amazon Prime Video is the streaming service of Amazon Prime. It is included in the monthly Amazon Prime membership. However, it can also be subscribed to separately. In other words, you can subscribe to watch original content such as “The Marvelous Mrs. Maisel” or “Lizzo’s Watch Out for the Big Grrrls” competition-reality show mashup without having to subscribe to Amazon Prime delivery. The monthly cost of Prime Video is $8.99.

    To cancel your Amazon Prime Video log in to your account and go to “Manage Your Prime Video Channels” and select “Prime Video Channels.” Find the subscription you want to cancel, click “Cancel Channel” and that subscription will be canceled.

    You may be offered a self-service refund, and choosing that will end your subscription immediately.

    Otherwise, your subscription end date will display on the confirmation screen. You can reverse your subscription cancellation decision until that date. After the subscription date, you will no longer be charged, and will no longer have access to the content.

    Kent McDill is a veteran journalist who has specialized in personal finance topics since 2013. He is a contributor to The Penny Hoarder.


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  • Saving Money is a Challenge. Here Are 5 Ways to Make it Fun

    Saving Money is a Challenge. Here Are 5 Ways to Make it Fun

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    We all know saving money is something we should do, but we often view it as a chore we’ll get around to doing someday.

    It’s time to flip our perspective and think of saving money as a fun challenge instead.

    Let’s push ourselves to beef up our emergency funds and stack our cash reserves. Let’s fight for better financial futures — one dollar at a time.

    5 Money Challenges to Boost Your Savings

    Need a game plan on your journey? Here are five money-saving challenges that can help you boost your bank account in 2023.

    1. The Pantry Challenge

    This money-saving challenge gives your wallet a break from your normal grocery shopping routine. Skip going to the store for a week, and get creative with the ingredients you have in your pantry, fridge and freezer.

    When Penny Hoarder writer Tiffany Connors tried the pantry challenge, her family relied on wilted veggies, freezer-burned soy burgers and a random assortment of other forgotten pantry items. But they survived the week and saved about $150 in the process.

    2. The No-Spend Challenge

    The no-spend challenge is exactly what it sounds like. You freeze your spending (with the exception of bills and necessities) for a self-designated amount of time, saving all the money you would have blown.

    The classic method is to cut out all unnecessary spending for a month, but you can execute a no-spend challenge in different ways. You could implement a certain number of no-spend days during the month. You could target a particular shopping weakness — like no new clothes for the next 90 days. Or you could choose to freeze spending during a special occasion, spending time with loved ones rather than exchanging gifts.

    3. The Five Dollar Challenge

    The five dollar challenge involves squirreling away every $5 bill you get as change. If you’re paying for something with cash and the cashier hands you a bill with Lincoln’s face on it, that currency goes right to your savings stash.

    If you can put aside just two $5 bills a week, you’ll end up with $520 in savings by the end of the year. If more $5 bills come your way throughout the week, even better.

    You can also alter this challenge by making $5 transfers to your savings account if you tend to shop with your debit or credit card rather than use cash.

    4. The Penny Challenge

    This money-saving challenge starts with saving just one penny (yes, just one cent) and increasing your savings contribution by an additional penny every day. On day two, you’ll add $0.02 to your savings. On day 200, you’ll throw $2 (aka 200 pennies) into the pot.

    If you continue the penny challenge for a whole year, you’ll wind up with a total of $667.95. You can make this challenge more manageable by grouping your daily savings deposits by the month and transferring that amount from your checking account to your savings account rather than scrambling for spare change every day.

    5. The 52-Week Money Challenge

    The 52-week money challenge helps you put away $1,378 in one year by making weekly contributions. Traditionally, you’ll save $1 the first week, $2 the second week, $3 the third week and so on for 52 weeks.

    This challenge starts off simply but gets increasingly harder as the months go on. If you don’t want to be stuck with saving over $200 in December when you’ve got a ton of holiday expenses, you can get creative with how you carry out this money-saving challenge.

    Try one of our 52-week money challenge hacks, like selecting your weekly savings amount by random lottery rather than going in ascending numerical order.

    Watch Your Savings Grow

    Thanks to the power of compound interest, by putting your savings in an interest-bearing account it will grow much faster than if you stuck it in a cookie jar.

    Savings Calculator


    !
    A valid starting balance is required.

    !
    Starting balance must be less than $2,147,483,647


    !
    A valid monthly contribution is required.

    !
    Monthly contribution must be less than $2,147,483,647


    !
    A valid annual interest rate is required.

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    Interest rate must be less than or equal to 400%.

    Calculate

    Final balance:
    $0

    Nicole Dow is a former senior writer at The Penny Hoarder. Deputy editor Tiffany Wendeln Connors updated this post.


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    nicole@thepennyhoarder.com (Nicole Dow)

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  • 7 Ways to Avoid Pricey Home-Repair Surprises in 2023

    7 Ways to Avoid Pricey Home-Repair Surprises in 2023

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    For many of us, there’s nothing quite like spending lots of time at home to start noticing the literal (or metaphorical) cracks in the foundation. Maybe your kitchen could use some remodeling TLC, or perhaps you have appliances that desperately need to be replaced (or even some combination of both).

    Whatever it is, the home maintenance and remodel industry has been on a huge upward trajectory for years now, and while the experts predict it might start to slow down in 2023 (by about 7.4% according to the Remodeling Futures Program at the Joint Center for Housing Studies of Harvard University) — ‘slow’ isn’t quite the word we’d choose for this $400 billion industry.

    In fact, Angie’s List (now called Angi) found that the average household spending on home-related projects in 2022 was $12,904, with a whopping $8,484 of that going towards home improvement, and $2,467 towards home maintenance.

    So if you’re one of the many people trying to map out your home project plans for 2023, keep reading. We’ve got seven of our best penny-hoarding tips right here to help you make the most of your remodeling and home maintenance budget.

    7-Step Home Maintenance Plan for 2023

    1. Don’t Ignore Your House’s Cries for Help

    Your house can’t talk but it can send you messages. If it’s crying for help, ignoring the message could cost you money later.

    Don’t ignore home repairs, and you’ll save in the long run. Here are seven you can’t afford to put off.

    1. Anything involving water. A small wet spot can be the sign of a leak somewhere. Eventually that leak will grow and possibly destroy floors, walls, furniture, and more. A leaky faucet, running toilet, or dripping water heater can cost more in water bills than the repair would.
    2. Anything involving electricity. Flickering lights, bad outlets or switches, tripping breakers, and GFI outlets that won’t reset can be signs of electrical problems, which could lead to fires.
    3. Pests. Rodents and bugs can do lots of damage if left alone.
    4. Peeling caulk and paint. Once the protective caulk or paint is gone, water gets in and causes damage.
    5. Broken or malfunctioning HVAC. Problems with your heating, ventilation and air conditioning (HVAC) could mean you’re too sweaty or too chilly. But temperature swings inside the home can lead to problems. Additional humidity could cause mold and cold temperatures could cause pipes to freeze.
    6. Cracks. Small cracks are normal. Big or changing cracks aren’t.
    7. Smoke alarm and carbon monoxide detectors. Working detectors save lives. Change the batteries regularly.
    8. Darkening ceilings near fireplaces. Dark places or a sooty smell can mean the fireplace isn’t drafting properly, which can let deadly gasses inside.

    2. Keep Up With Home Maintenance

    Maintenance is usually cheaper than repairs, so keeping up with checkups around your home can help you avoid a bigger repair bill later. It’s smart to figure out how much to budget for home maintenance. Here are the things you should consider:

    • Prevent moisture problems. Water can be evil when it shows up in places it shouldn’t. Routinely check your gutters, sump pump, water heater, faucets, drains, septic tanks, and irrigation systems.
    • Maintain appliances and equipment. Do annual HVAC maintenance and change filters regularly. Check the connections in the laundry room and clean the dryer vent. Change filters and clean the range hood in the kitchen.
    • Keep up the exterior. Keep dirt away from the house so water can drain correctly. Inspect the paint and siding to make sure they’re looking good and doing their job of protecting your house. Maintain caulk around openings. Inspect chimneys. Service the electric garage door.

    Financial experts recommend putting away about $200 a month for home maintenance. That way, you’ll have $2,400 a year, which can hopefully cover the maintenance and possible repairs.

    3. Know When to DIY and When to Use a Pro

    Sometimes it’s necessary to call in the pros when tackling home maintenance or home improvement projects.

    Do you really want to DIY and regret it?

    When deciding to DIY or hire a pro, ask yourself how much experience you really have. Things often look easier to do on TV or in a YouTube video than they really are.

    Experts say to avoid DIY-ing anything involving electricity (especially 220 circuits) or water unless you have experience. Things can go bad very quickly.

    4. Get Bids for Home Projects

    If you need professional help for your home, getting bids on home projects can save you lots of money and time.

    A professional handyperson can handle a wide variety of jobs like caulking, painting, gutter cleaning, patching drywall, installing tile, hanging objects, and installing fixtures. Making a list of what you want done can be helpful so you can prioritize if you only have a handyperson hired for a few hours.

    When looking for the right expert for your home project:

    • Learn about the project by watching videos. This will help you know if someone’s time estimate seems way off.
    • Ask for recommendations. Neighbors, friends, and family often know good people who do good work. Also, real estate agents will be able to tell you who they recommend to get homes ready for sale.
    • Websites and apps make it easy to research who can do what you need. Some even allow you to post a request for someone to bid on your project.
    • Read reviews before you hire someone.

    Don’t be afraid to ask questions and discuss exactly what the estimate includes and what the payment terms are. It’s your home, and your budget

    Getty Images

    5. Do What You Can to Lower Electric Bills

    Some simple things can help you get a lower electric bill each month.

    • Seal cracks and leaks.
    • Upgrade to more energy-efficient equipment.
    • Use fans.
    • Air-dry laundry as much as possible.
    • Change to LED lighting.

    You can save on other utility bills, too, with attention to your consumption habits. For instance, some simple reductions in water use could mean saving money on water bills.

    6. Know What Your Home Insurance Covers

    Disasters or repairs can ruin your budget. Homeowners insurance can help protect your property and belongings from damage and losses. It also provides liability coverage.

    But it isn’t always easy to know what is covered and what isn’t. And when is it worthwhile to file a claim?

    All homeowners policies are not created equal, and they can also vary widely based on where you live and in what kind of dwelling. It’s important to understand when it can help you out — and when it can’t. Here’s an article that will help you learn what home insurance covers.

    7. Home Buyers: Don’t Skip Home Inspections

    If you’re ready to dive into the world of home ownership or move into a new home, don’t get so caught up in the excitement that you make a big mistake.

    Following this eight-point home inspection checklist could end up throwing cold water on your plans, but it will also prevent buyer’s remorse if you’ve fallen in love with a money pit.

    Inspectors look at more than 1,000 things throughout a house. In general, those things are:

    • Structural components
    • Roof
    • Attic and insulation
    • HVAC systems
    • Plumbing and water
    • Electrical and wiring
    • Outside the house
    • Appliances

    In today’s real estate market, forgoing the inspection could make your offer more attractive to the seller, but the average inspection cost of $350 could save you thousands of dollars down the line.

    Tiffani Sherman is a Florida-based freelance reporter with more than 25 years of experience writing about finance, health, travel and other topics. Freelancer Larissa Runkle contributed to this report.


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    tiffani.sherman@aol.com (Tiffani Sherman)

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