17 Ways to Save Money When You Live in a Big City (It’s Actually Possible!)

I know I don’t have to tell you this, city dwellers: Living in a big city is expensive.

I was slapped with that cold reality when I moved to Denver. After living in two relatively rural college towns, I was used to paying a rent I could almost afford; groceries that were, well, normally priced; and a night out with friends that never remotely creeped close to $ 50.

Then there were those times I visited New York City and San Francisco for long weekends… Don’t get me started.

Anyway, kudos for making it work — but I know it’s got to get difficult sometimes. That’s why we put together a list of ways to save money when you live in a big city.

1. Save Money on Any Debt You’ve Already Accumulated  

Moving in general is expensive, but moving to a big city and adjusting to that new cost of living is difficult.

If you accumulate any credit card debt in the process that’s still lingering, consider refinancing or consolidating it to find better interest rates.

A good resource is Fiona, a search engine for financial services, which can help match you with the right personal loan to meet your needs.

Fiona searches the top online lenders to match you with a personalized loan offer in less than 60 seconds. Its platform can help you borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

2. Get $ 3 Pantry Essentials Delivered to Your Door

Groceries tend to be more expensive in big cities. Goods in New York City are 10% higher than average U.S. prices, according to data from the U.S. Bureau of Economic Analysis.

The task itself also tends to be more difficult, depending on how far away you live from the closest store.

A great way to save money is to order the essentials online — where prices are more likely to be the same nationwide.

With Brandless, you can stock up on all your grocery essentials for $ 3 each. Yup — everything’s $ 3. And you’ll get $ 5 off your order when you sign up with your email address.

Better yet, Brandless carries organic, gluten-free and vegan options. You could spend hours perusing the virtual aisles, but here are a few examples:

  • An 8-ounce jar of organic, 100% pure honey: $ 3
  • Organic aged white cheddar popcorn: Two for $ 3
  • Roasted and salted almonds: $ 3
  • Organic, fair-trade, light-roast ground coffee: $ 3

You can also stock up on Brandless cleaning supplies, household essentials and clean beauty supplies.

Shipping is free when you spend $ 39 or more.

3. Claim Cash Back on Drinks and Takeout Orders

Life tends to be a bit more stressful in the big city, and it’s important to take time to unwind. Whether you prefer to do that with alcohol or takeout, claim cash back.

Traditionally, Ibotta is known for its cash-back offers on groceries, but it’s also available for restaurants, bars and food-delivery services.

For example, we’ve seen deals for:

  • 10% cash back for new DoorDash users.
  • $ 5 back on two bottles of Stella Artois.
  • $ 2 back on a glass of Cupcake Wine.

Just download the app for free, then select “Find Offers.” When you claim your first cash-back offer, you’ll pocket a $ 10 bonus.

4. Ease the Pain of Those Higher Car Insurance Rates

The good news is big cities typically have public transit systems, so sometimes you can get away with selling your car and living that car-free life.

If you still need your car, though, you’ll probably face higher car insurance rates.

Here are three options to help alleviate the pain associated with those high costs:

  • First, find a pay-per-mile insurance policy. If you live in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia or Washington and drive less than 200 miles a week, consider getting insurance through MetroMile, a company that lets you pay for insurance by the mile. I you only drive 5,000 miles per year, you could save $ 500, according to MetroMile’s calculations. Find out if it could help you save by snagging a free quote.
  • If you still drive quite a bit, take a few minutes to compare rates from other providers. A service called Gabi will do it for you, and you don’t even have to fill out any forms. Simply link your insurance account and provide your driver’s license number, and Gabi will go to work. Gabi says it finds an average savings of $ 720 per year for its customers.
  • Help offset big-city costs by renting your car out when you’re not using it. With the Getaround app, you can safely rent out your car to people in your community and neighborhood. The company insures your car for each trip, offers 24/7 roadside assistance and screens drivers for a safe driving record.

5. Count Your Many Steps and Turn ’Em Into Cash

Whether you walk to work or take public transit, you tend to spend more time on your feet in big cities.

Go ahead and reward your barking feet with the Achievement app.

Achievement connects to your phone’s health apps and runs in the background, so it works passively. Many users report being happily surprised when logging on and checking their progress.

Once you earn 10,000 points, you’ll score $ 10, which you can deposit directly into your bank account.

Pro tip: Achievement connects to more than 30 Android and iOS health-related apps, including MyFitnessPal and Garmin. The more apps you connect, the more earning opportunities.

6. Negotiate Your Monthly Bills (or Have This Bot Do It)

A great money-saving tactic when living in a big city is to negotiate your bills. Some may be more difficult to negotiate than others (you can even try negotiating your rent), but we suggest starting simply with a free negotiation tool.

Download TrueBill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees.

After downloading the app, create an account and link your bank account and/or credit cards. Turn on the bill negotiation and outage protection features. Boom. TrueBill is already searching for potential refunds — it might get you a refund even when you didn’t know an outage occurred.

On average, Truebill says it helps customers save more than $ 700 a year by lowering their bills, canceling necessary subscriptions and getting refunds.

Signing up and using the service is free, though there are some paid premium services that are totally optional — but could totally be worth it.

7. Set up Your Big-City Budget

If money’s tighter than you’d like, it’s important to keep a budget.

Budgeting can be a little scary, but it doesn’t have to be. The first step is to find out how you’re doing now. Luckily, you can have a financial assistant right in your pocket to help you out.

The Empower app is a powerful budgeting tool that can help you figure out how you’re spending your money and develop a budgeting plan to keep you on track.

Link the app to your bank accounts, and it will track your spending. It will also categorize your spending so you can see exactly where you are overdoing it. That’s right: It will show you just how many times you went out for dinner because you didn’t want to do the dishes.

Set a monthly spending limit and the app will show you a graph that can tell you in one snapshot just how you’re doing for the month. Are you over the line or under it? It’s that simple to see how you’re doing so you can adjust your spending accordingly.

8. Declutter Your Space — and Earn Some Extra Cash

Affordable apartments tend to be small, so if you’re feeling a bit cluttered in your space, clean stuff out.

You can sell virtually anything on Letgo. This easy-to-use app lets you snap a photo and upload your item in less than 30 seconds. It removes a lot of the hassle of selling things online, and it’s 100% free to use.

If you’ve got old technology lingering (think: phones, CDs, DVDs or video games), download the Decluttr app, and start scanning the barcodes on your media to get immediate quotes. It’s completely free to use, you won’t pay listing or seller fees, payment is super fast and even shipping is free.

Plus, enter FREE5 at checkout to get an extra $ 5 for your trade-in order!

9. Entertain Yourself on Your Commute (and Win Cash)

While you’re swiping around on your phone and wasting time on your commute, go ahead and download the Lucky Day app

You could win up to $ 10,000 playing digital scratch-off tickets or even a whopping $ 100,000 in the daily lotto. You’ll also have a lot of chances to win gift cards to cool places like Amazon, Walmart, Dunkin and Target.

It’s all free to play, with no in-app purchases. The company has already awarded more than $ 3 million in prizes to winners since 2014.

Try to resist an embarrassing happy dance on the subway if you win money.

10. Create an In-Case-of-Emergency Fund Without Thinking

When you have to spend a lot of money just to get by day to day, the task of saving money will easily fall to the wayside.

Don’t let that happen. Digit allows you to save money without even noticing.

This innovative app automates saving for you. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Bonus: Penny Hoarders will get an extra $ 5 just for signing up! Additionally, savers will receive a 1% bonus every three months.

Using this set-it-and-forget-it strategy, one Penny Hoarder saved $ 4,300 without noticing — read his Digit review.

If you need that money sooner than expected, you’ll always have access to it within one business day.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward.

11. Dress up to Big-City Standards Without Credit Card Debt

There’s something about living in a big city where there’s more pressure to dress like, well, a real human. Fashion trends are actually timely, and you want to look professional when walking into your skyscraper of an office.

But just because you have pressure to look trendy doesn’t mean you have to rack up credit card debt.

Instead of shopping online at any ol’ retailer or signing up for a clothing subscription service, check out flash-sale site Rue La La first.

It offers top brands for up to 70% off. How? When retailers have excess product, Rue La La takes it and sells it at a hefty discount — but each sale is only available for a limited time.

Just sign up for free with your email address. (It’s an exclusive site — discounts are for members only.) Then search your favorite brands, or browse the boutiques to see what’s available.

12. Protect Your Abode and Belongings With Affordable Insurance

If you’re renting, you know some cities and states require renters insurance. It might seem like a pain at the time, but it can really save you in the long run.

For example, when my boyfriend lived in Denver, a hail storm hit and destroyed his complex’s roof, causing water to flood into his apartment. After his deductible, his renters insurance paid for him to move into a hotel near his workplace for about three months. If any of his items had been damaged, it would have covered those expenses, too.

If you don’t yet have renters insurance — or want to shop around for a better rate — start by getting a free quote. We recommend the online insurance company Lemonade, through which renters insurance starts at $ 5 a month.

Beyond affordable rates, Lemonade adds a layer of transparency you don’t often see in the insurance world. Instead of profiting extra when it doesn’t have to pay out claims, the company keeps a set 20% of your premium for itself, and 80% goes into a pool for paying claims. Money left over after paying claims each year goes to a cause of your choice.

That also means Lemonade isn’t going to be super stingy about granting customers the claims they deserve — ’cause the money isn’t going into its pockets.

13. Find a Side Gig (Opportunities Abound)

Big cities are basically playgrounds for side gigs. If you’re struggling to make rent or are racking up credit card debt, consider increasing your income, even if only temporarily.

Here are some of our favorite side-gig options for folks in the big city:

  • It’s no secret big cities attract more tourists, and that’s good news for you. If you have a spare room, try earning some extra money by listing it on Airbnb. If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.
  • If you’re looking for a flexible, independent way to earn money — and you love hanging out with dogs — Rover might be your perfect gig. The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town. Rover says sitters can earn as much as $ 1,000 a month.
  • Need a fun, flexible way to earn money while also meeting lots of new people? Try driving with Lyft. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

14. Call it Quits With Your Expensive Cell Phone Provider

If you’re sick of of paying your cell phone carrier hundreds of dollars each month, look beyond the so-called Big Four and into the discount carrier Twigby.

That’s what Zak Wilson did. He’d been paying Verizon Wireless about $ 180 a month for two lines. So he tried Twigby. For both phones, he’s now paying $ 60 a month.

Plus, new customers get 25% off the first six months of service.

Pro tip: Big cities mean big Wi-Fi opportunities. Whenever you can, tap into free Wi-Fi to save on data.

15. Snag Cash Back — Even From Your Favorite Local Deli

Cash-back apps are great, but many of them don’t cater to your favorite local haunts — like that unsuspecting deli on your block or your favorite coffee pitstop on your way to work.

But don’t worry. We found an app that’ll reward you for keeping any receipt.

As seen on Shark Tank, CoinOut is a shopping rewards app. You’ll earn cash when you snap a photo of a receipt — any receipt, from any retailer, featuring any item. (Similar apps are a lot pickier.)

We put it to the test: A couple of Penny Hoarder staffers dug out receipts — a $ 5 Wendy’s order and a salad from a local sandwich shop. One collected 5 cents, the other 4 cents. The better condition your receipt is in, the more you’ll earn back, so resist crumpling it into a ball.

You can also earn cash back when you shop online with one click through the CoinOut app. Featured retailers include Walmart, Overstock and Warby Parker.

You can cash — ahem, coin — out once a week for an Amazon gift card or funnel the money right into your bank account or PayPal.

16. Don’t Let Laundry and Dry Cleaning Shrink Your Budget

Laundry’s a big expensive chore in big cities. And dry cleaning? Don’t even get us started…

You’ve probably already invested in that magical Febreze Fabric Refresher spray (if you haven’t, just trust us), but now it’s time to tackle the costs of dry cleaning.

For some fabrics, it’s totally necessary. But for others (even if the tag says dry-cleaning only), it’s not.

Dive into your guide to saving money on dry cleaning. It just might change your life (or at least your budget).

17. Find Fun (and Free!) Weekend Activities

All right. We’ve addressed all your big recurring bills, but you’ve got to have some fun, too. After all, you live in a city where there’s tons to do and explore.

Look into your neighborhood’s farmers market, check out free museum passes from your local library, take a hike (genuinely), plan a picnic or window-shop.

Get some inspiration from our list of free things to do in Orlando.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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Michelle Obama is doing an extra tour in London and tickets are actually available

Tell us EVERYTHING.

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She might not live in the White House anymore, but that hasn’t stopped Former First Lady Michelle Obama inspiring us on the regular.

In fact, she’s the go-to girl when it comes to pep talks.

It’s hardly surprising therefore that when it was announced that the 54-year-old was touring to celebrate her new memoir, Becoming, with award-winning novelist Chimamanda Ngozi Adichie, tickets were hard to come by.

The 13-night tour starts next week in her hometown of Chicago, where she will sit on-stage with Oprah Winfrey, before going on to tour other cities – even London.

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Yes, Michelle Obama is coming to London and everyone is very excited, with the former First Lady reported to be discussing everything from her childhood and motherhood to ‘her time spent at the world’s most famous address‘.

Surprise surprise, the 2,900 tickets available at the Royal Festival Hall sold out in seconds with tens of thousands of fans taking to Twitter to voice their disappointment.

We crossed our fingers that Michelle might as a result choose new tour dates, and sure enough today our prayers were answered.

Michelle Obama is extending her Becoming tour, bringing ‘Becoming: An Intimate Conversation With Michelle Obama’ back to London for a bigger gig at The 02 in 2019.

Tickets will go on sale to the general public on Saturday 15 December.

We officially cannot wait for this!

The post Michelle Obama is doing an extra tour in London and tickets are actually available appeared first on Marie Claire.

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The little $60 box that actually helps me sleep better is on sale for $39, today only

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There are about a million different solutions out there for people who have trouble sleeping, but most of them aren’t really solutions at all. Even the ones that work for some people won’t work for everyone, which is why it’s so important to try different things. I recently gave the Adaptive Sound Technologies LectroFan Evo Sound Machine a shot, and I was surprised to find that it really does help me sleep better! It features 22 different sounds like the ocean, fans, and white noise, and they don’t loop so there’s no audio break to disrupt your sleep. It normally sells for $ 60, but it’s on sale on Amazon for one day only at its lowest price ever, just $ 39.

Adaptive Sound Technologies LectroFan Evo White Noise Sound Machine with 22 Unique Non-Looping…: $ 38.97

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  • Precise volume control, an optional timer, and a 3.5mm connector for headphones or a portable speaker to match your environment and sleep style
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BGR Top Deals:

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The little $ 60 box that actually helps me sleep better is on sale for $ 39, today only originally appeared on BGR.com on Sun, 9 Dec 2018 at 10:21:40 EDT. Please see our terms for use of feeds.


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The 12 Dumbest Money Questions We’ve Ever Asked (and Why They’re Not Actually Dumb)

Let’s channel our former middle school teachers: There are no dumb questions.

Especially when it comes to personal finance.

Do you remember your financial literacy class? Probably not, because not many states require such a subject.

So it’s not your fault you have to watch a YouTube tutorial to make sure you’re writing a check correctly or that you have to quietly Google, “How much money do I need to retire?”

But you can stop being embarrassed now. We’re here to answer your “dumbest” money questions.

‘Dumb’ Question No. 1: What Do I Do With My 401(k)?

This isn’t a dumb question, because your 401(k), or any investment account for that matter, is an integral part to a happy and financially healthy retirement.

A 401(k) is an employee-sponsored plan, so it’s largely hands off. If you can, we recommend maxing out your contributions.

Then, thanks to the power of compound interest, watch it grow.

Sure, it’s all automated — out of sight, out of mind. But chances are, your 401(k) could be doing a lot better.

Take control with help from Blooom, an SEC-registered investment advisory firm that can optimize and monitor your 401(k) for you and keep it speeding toward retirement.

It just takes a few minutes to get a free 401(k) analysis that will show you whether your investments are allocated properly and whether you’re losing money paying hidden investment fees. It’ll even tell you just how much more money your account could earn by the time you want to retire.

After that, if you sign up, it’s just $ 10 per month to have Blooom monitor and maximize your 401(k). Bonus: Penny Hoarders get the first month free with the code PNNYHRD.

Now that you have Blooom keeping tabs on your 401(k), you can sit back and max out your contributions (if possible).

‘Dumb’ Question No. 2: How Can I Invest If I’m Broke?

You. Don’t. Need. Thousands. Of. Dollars. To. Invest.

Yes, everyone’s talking about investing in shares of Amazon, Apple or Netflix, but you can start investing with pocket change.

Start small and download Acorns, an investing app that’ll round up your debit and credit card purchases and, once it accumulates $ 5, it’ll invest the spare change for you.

That means if you spend $ 10.23 at the grocery store, 77 cents gets dropped into your Acorns account. Then, the app does the whole investing thing for you.

The app is $ 1 a month for balances under $ 1 million, and you’ll get a $ 5 bonus when you sign up.

‘Dumb’ Question No. 3: Does My Credit Score Really Matter?

Um, also, how do I check my credit score?

Some folks argue that credit scores are just three-digit numbers that hold no significance. And that might be true… if you’re living off the grid or never plan to purchase a car, rent or buy a home, or apply for a loan.

Seriously. Credit scores matter. They represent your financial health and allow you to build your future.

If it’s been… a while… since you’ve last checked your credit score, here’s a simple — and free — tool that’ll help: Credit Sesame.

Not only will you be able to peep your credit score, you’ll also tap into your free “credit report card,” which breaks down exactly what’s in your credit report and how it affects your score. The tool even offers tailored tips and tricks that’ll help you get your score up.

Motivational speaker James Cooper, for example, raised his credit score 277 points using Credit Sesame. Now he talks to high school students about the importance of having good credit and uses what he’s learned through Credit Sesame as a blueprint for his lessons.

‘Dumb’ Question No. 4: Do I Need Life Insurance?

This isn’t a dumb question, because there are so many variables you’ll need to consider before purchasing life insurance.

Life insurance financially protects your loved ones in the event of your death, which, sorry to break it to you, is inevitable. However, certain people need life insurance more than others. (If you’re not sure, here are three types of people who need life insurance.)

If you think you (or, really, your family) could benefit from life insurance, buying it doesn’t have to be the uncomfortable experience you might expect. Some newcomers in the industry are updating the old model.

Ethos, for example, can get you term life insurance in less than 10 minutes — with no medical exam — for coverage up to $ 1 million. Ethos offers a digital application, and customer service is available if you have questions.

It partners with a major life insurance carrier to quickly offer policies as low as $ 6 a month. It’s helped thousands of folks access term life insurance, including independent contractors who use Uber, Postmates, TaskRabbit and other gig apps.

‘Dumb’ Question No. 5: Why Is My Money Disappearing?

If you’re wondering where your money goes after each paycheck, start tracking your expenses with the Empower app.

Empower helps you organize and track your financial goals. Simply link your accounts, and every time you log in, you’ll see a simple snapshot of where you stand on your monthly budget. Are you above or below the line? In one second you’ll know whether you’re on track or need to dial things back a bit.

Empower even has a cool “find free money” feature. It’ll do things like negotiate your cell phone bill, review your insurance coverage and cancel unwanted subscriptions.

Side note: If your money is truly disappearing, then you might have a little identity theft situation on your hands. You’ll want to dig into this with your bank or credit card company.

‘Dumb’ Question No. 6: Can I Invest Without Supporting Evil Companies?

If you’ve got a $ 50 bill burning a hole in your wallet, look into Swell Investing, an SEC-registered investment adviser committed to supporting sustainable companies.

Its Impact 400 portfolio features companies whose products and services align with the United Nations Sustainable Development Goals. It considers everything from gender equality to ending poverty to clean energy.

You’ll get a $ 50 bonus with the code PENNY after making your initial investment of at least $ 50.

Swell doesn’t have any trading fees, price tiers or expense ratios. It charges a 0.75% annual fee — that’s about the cost of one coffee ($ 3.75) per year if you invest $ 500.

Disclosure: We have a financial relationship with Swell Investing LLC and will be compensated if consumers apply for an account and/or fund an account with Swell through links in our content. However, the analysis and opinions expressed here are our own.

‘Dumb’ Question No. 7: Are Credit Cards Bad?

Short answer: If you use credit cards responsibly, they’re not bad.

Credit cards can be detrimental if you treat them like a never-ending stream of money. But if you spend within your means and pay them off each month, they can actually be beneficial. They help build your credit and some also grant you rewards — like cash back or travel points.

Here’s an option we like: It’s the Chase Freedom Unlimited card*. Its claim to fame? You’ll earn an unlimited 1.5% cash back on all your purchases. Plus, if you spend $ 500 in your first three months of opening the card (hi, groceries), you’ll pocket a $ 150 bonus.

Get signed up — and 0% intro APR for 15 months — here.

‘Dumb’ Question No. 8: How Does Interest Work?

There are a lot of acronyms in the banking world, so, to save you some time, here’s a rundown of one of the most beneficial: APY.

APY stands for annual percentage yield. It’s the interest you earn on a savings account.

For example, an iOS app called Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.

Here’s the best part: Pair your bank account with a Varo Savings Account where you’ll earn 1.75% annual percentage yield. That’s nearly 20 times — repeat, 20 times — the average savings account, based on a 0.06% average reported by CNN Money.

Because it’s compounded interest, it’ll get paid out daily, monthly or quarterly, depending on the account’s terms. Basically, the higher the APY and the more frequently it’s compounded, the better.

So yeah, you’re on the right track if you’re asking about APY.

‘Dumb’ Question No. 9: Where Can I Get Money If I Need it?

You’re in a pinch, and you need some money…

Maybe you’re looking to buy a new car, consolidate your debt, pay an unexpected medical bill or make some improvements around the house.

Um, so, where do you find that money?

This feels like a question that has one of those duh answers, but you’ve really got a lot of options.

You can take out a loan through your bank, credit union, peer-to-peer lending platform or a loan company. (We suggest avoiding 401(k) loans and payday loans.)

This money won’t be free; you’ll have to pay it back plus interest. You can easily shop around for the best terms and rates through an online marketplace, like Even Financial, which can help match you with the right personal loan to meet your needs.

Even searches the top online lenders to match you with a personalized loan offer in less than 60 seconds. Its platform can help you borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

‘Dumb’ Question No. 10: How Can I Make Money Online?

If you’re looking to make some money online, you’re not the only one. Google receives approximately 100,000 “how to make money online” searches a month.

Not to worry. There are plenty of ways to get paid while sitting on the couch — from full-time work-from-home jobs to side gigs.

Some ideas, based on your wants and needs, include:

  • If you just want to mindlessly make some money while watching TV, try signing up for a few top-rated survey sitesSwagbucks is definitely a reader favorite, probably because of the wide variety of ways to make money beyond taking surveys. Plus, you get a $ 5 bonus when you sign up and earn 2,500 SB within your first 60 days.
  • If you’re looking to flex your skills with a company, then search our work-from-home job board. You’ll find both part-time and full-time opportunities, though note these are usually a little less flexible
  • If you’re looking to set your own schedule, find an online opportunity that allows you to pick and choose when — and how much — you work. Consider signing up for a freelance platform like Fiverr, Mechanical Turk or Upwork.

So, yes, it’s possible to pad your bank account from the comfort of your home — just be watchful of the scammy stuff.

‘Dumb’ Question No. 11: Why Are Groceries So Expensive?

Admittedly, this is a question I recently asked while navigating the grocery store: “Why does it cost $ 3 for a gallon of milk?” Then, at the checkout counter, “How did I just spend $ 100 on groceries?”

I get that there are layers upon layers of factors that ultimately determine the price of groceries, but it seems like the weekly tab just keeps on increasing.

If you want to combat the price of groceries, use Ibotta. It sounds strange, but it’ll pay you cash for taking pictures of your grocery store receipts.

Here’s how it works: Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes and get you cash back.

Ibotta is free to download. Plus, you’ll get a $ 10 sign-up bonus after uploading your first receipt.

Some cash-back opportunities we’ve seen include:

  • 25 cents back on strawberries.
  • $ 1 back on a box of tea.
  • $ 5 back on a case of Shiner Bock beer.

Notice a lot of those aren’t tied to a brand — just shop for the staples on your list and earn cash back!

‘Dumb’ Question No. 12: How Do I Write a Check?

It’s pretty rare these days to have to write a check, so it’s easy to forget how to fill that sucker in.

Just go ahead and bookmark this six-step check-writing guide, so you look like you know what you’re doing the next time the opportunity arises.

Always Raise Your Hand and Ask the Dumb Question

Do you finally believe your middle school teacher? There are no dumb questions! Especially when it comes to personal finance.

If you want to go back to school and get more answers to your “dumb” questions, you can do so for free. We’ve just launched The Penny Hoarder Academy, which will guide you through the ins and outs of personal finance — from building a budget to saving money on groceries to buying your first home.

Never be afraid to just ask.

*Annual Rewards amounts will change based on the amounts you enter. The monthly spending category names and definitions may vary among issuers, and categories may not align one-to-one.

The information for the Chase Freedom Unlimited card has been collected independently by The Penny Hoarder. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She was always the one who raised her hand and started with, “Umm… this might be a dumb question, but…”

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Man cited for distracted driving says ‘phone’ cop saw was actually a McDonald’s hash brown

hash brown distracted driving

If you’re behind the wheel of a motor vehicle, you should always be doing your best to pay attention to what’s going on, and that means fiddling with your phone is a no-go. Plenty of states have strict laws against distracted driving, but one Connecticut man says that local police took things a bit too far.

Jason Stiber of Westport, Connecticut, was pulled over by police after an officer spotted him talking on his cell phone while driving. Stiber is fighting the charge and says he has a very good explanation for how events unfolded: The “phone” Stiber says the officer saw was actually a McDonald’s hash brown.

Continue reading…

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Man cited for distracted driving says ‘phone’ cop saw was actually a McDonald’s hash brown originally appeared on BGR.com on Tue, 27 Nov 2018 at 23:06:32 EDT. Please see our terms for use of feeds.


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The Skirt That Convinced Tyler She Could Actually Wear Corduroy

I could be mistaken, but the last time I attempted to wear corduroy was probably circa seventh grade, when I was working my way out of a “hippie” phase (don’t ask) and I still wasn’t aware what “style rules” were. (Shout-out to the girl who made fun of my black belt and brown shoes, thus rendering …

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This Company Offers Life Insurance That Actually Responds to Your Changing Needs

Pop quiz time. What do you think about when you think about buying life insurance?

Time’s up! Did you think of pushy salespeople? Or maybe your mind went to the dreaded thought of getting locked into a 20-year policy that isn’t right for you even five years down the road.

Your life is constantly changing, and that’s a good thing. What you really want is life insurance that can change along with you.

According to the Insurance Information Institute, an independent resource for information on all things insurance, 44% of consumers overestimate the cost of life insurance, and more than half of them say they’d get it if they could just get it priced without a physical exam.

If you think you’re ready for a term life insurance plan to help protect your family, check out Ladder. You’ll find that you can get life insurance that is easy to get and easy to change when your life takes a new path.

My Life Changes. What About My Policy?

One of the hardest parts about choosing a life insurance policy is trying to figure out just what kind of policy is the best fit for you and your life. What if you sign a 15-year policy and your life situation changes?

People get married, buy houses, have kids and then, eventually, those kids move out and do their own thing.

Ladder gets it. Your life is dynamic, and your life insurance coverage should be able to change with it. That’s why it offers flexible coverage.

Sign up for the coverage you need, but when your life takes a new path, Ladder lets you add more or even reduce your coverage without dealing with high-pressure agents or even tedious paperwork.

Back up — What Is Term Life Insurance?

Simply put, term life insurance is a life insurance policy that pays out a benefit upon the death of the policy holder. The policy is purchased for a certain term, for example 10 or 20 years, and the policy holder can choose to renew their policy once it expires.

The biggest determining factors in the cost of a term life insurance policy are the amount of coverage (the amount left to the family) and the age, gender and health of the person insured.

The primary benefit is the ability to leave money for loved ones for things like funeral and living expenses.

For example, imagine a man who is 35 years old, married and has two kids. He may choose to purchase term life insurance. If he should die unexpectedly, the insurance policy would leave a predetermined amount of money to his wife and kids to help pay funeral costs. It would also help them get by without his income, so they could continue to pay their bills, stay in their home and continue their education.

Keep Life Simple

You can use Ladder’s coverage calculator to figure out how much coverage you should have. Then your online application only takes a few steps:

  • Take about five minutes to answer a few questions about your life and health, such as your income.
  • You’ll get an instant decision on coverage, and there’s no risk. You won’t even have to go get a full physical. Some simple lab work might be required, but that’s easy, right?
  • You’ll need to enter your driver’s license and social security number, which is true for any life insurance application. The company needs this information to verify your identity and prevent fraud,. It uses a secure website and will not sell your private information.
  • You’ll pay no policy fees, and you can cancel anytime. You even get a 30-day money-back guarantee.

Your life is full of changes. Make sure your life insurance can change with you.

Life can be hard, and making decisions about it can seem even harder. Ladder makes life insurance easy to get and easy to change.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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How did we actually survive without this new iPhone hack?

Minds blown.

Instagram pods
REX

Words by Emily Lambe

Food blogger and now certified genius, Krissy Brierre-Davis, discovered an iPhone hack that sent Twitter into shock.

Last Saturday, the Atlanta-based blogger stumbled upon a hack that makes moving the cursor way easier. Just click and hold the space bar instead of trying to drag it manually.

‘How come you guys never told me this iPhone trick? I feel duped,’ she tweeted with a screenshot of her discovery.

‘I thought I was an idiot for never having discovered this gem myself,’ Brierre-Davis told BuzzFeed News. ‘My mind was blown. Literally.’

The hack isn’t just limited to the space bar. You can press anywhere on the keyboard for it to work, according to one user.

And it doesn’t stop there! Pressing down while holding the cursor makes highlighting easier as well.

Apparently, we’ve been sleeping on this for three years. The 3D Touch feature was introduced in 2015 with the iPhone 6s.

It’s safe to say most of us feel pretty shocked by this monumental discovery. ‘This is LIFE CHANGING INFORMATION,’ a user tweeted. Even Mike Issac, a Technology Reporter for the New York Times, is amazed. He tweeted, ‘this just changed my entire life.’

Well, it’s safe to say this new iPhone discovery has changed the way we type forever, but how on earth did we not notice this before?

Be right back – off to look up new hacks!

The post How did we actually survive without this new iPhone hack? appeared first on Marie Claire.

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Guys, here’s how to actually make your beard look good

Don’t ask me why I decided to grow a goatee. It was a long time ago. I was doing a lot of card counting and thought it looked cool. I do, however, know why I decided to ditch the Van Dyke: shame. At work recently, I listened in as a couple of nearby colleagues engaged…
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This portable breathalyzer can actually tell you when you’ll be sober again, and it’s $25 off

Portable Breathalyzer Amazon

Plenty of people know when they’ve had a few too many, and they do the responsible thing by letting someone else drive them home. In the age of Uber and Lyft, there’s no excuse whatsoever for getting behind the wheel of a car when you’re drunk. Of course some people have a few drinks and think that they’re sober enough to drive, and those borderline cases are the ones that get responsible people in trouble. Thankfully, there are now tools at our disposal that completely remove guesswork from the equation. The BACtrack C8 Personal Breathalyzer is small enough to fit in your pocket and it has the same type of accurate sensor used by law enforcement. This model also have a fantastic extra feature though: It gives you the approximate amount of time it’ll take before you’ll be sober again.

BACtrack C8 Personal Breathalyzer | Police-Grade Accuracy | Optional Smartphone Bluetooth Conne…: $ 99.99

Here’s what you need to know from the product page:

  • PROFESSIONAL-GRADE ACCURACY – Powered by BACtrack’s patented BluFire Fuel Cell Sensor, the BACtrack C8 utilizes the same pro-grade technology trusted by hospitals, clinics, and even law enforcement.
  • DUAL-MODE OPERATION – Choose “Standalone Mode” and your BAC results are delivered directly to a bright, easy-to-read OLED screen. Alternatively, choose “App Mode” and the BACtrack C8 wirelessly delivers your BAC results to your smartphone via Bluetooth.
  • ZEROLINE TECHNOLOGY – With BACtrack’s innovative ZeroLine technology, you’re in control of your night. After your BAC results are delivered, ZeroLine estimates the time until your BAC is 0.00%, allowing you to quickly and easily know where you stand.
  • ULTRA-PORTABLE – One of the smallest police-grade alcohol tester ever created, the tiny BACtrack C8 weighs only 2 oz. It’s small size makes it easy to put it in your pocket or purse and have it with you any time you drink!
  • 30 DAY MONEY-BACK GUARANTEE & ONE YEAR WARRANTY – We stand by all our products, but if you are unhappy with your BACtrack, you may return it any time during the first 30 days. All BACtracks also come with a one year warranty, no matter where you purchase.

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This portable breathalyzer can actually tell you when you’ll be sober again, and it’s $ 25 off originally appeared on BGR.com on Mon, 12 Nov 2018 at 10:54:45 EDT. Please see our terms for use of feeds.


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This news anchor is actually an AI-powered robot

There’s a reason this news anchor seemed a bit robotic. China’s state news agency this week unveiled the world’s first virtual newsman. The English-speaking “artificial intelligence” anchor for China’s Xinhua News Agency made its debut at the fifth World Internet Conference in east China’s Zhejiang Province — which began Wednesday and runs until Friday. At…
Media | New York Post

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Interview: Claire Foy on Finding Lisbeth Salander and How Long It Takes to Actually Put on That Dragon Tattoo

Interview: Claire Foy on Finding Lisbeth Salander and How Long It Takes to Actually Put on That Dragon Tattoo

 

It’s been eight years since Lisbeth Salander last surfaced on the big screen as part of a big English-language adaptation of The Girl with the Dragon Tattoo. Now she’s back in The Girl in the Spider’s Web (in theaters November 9; tickets now on sale) – this time portrayed by The Crown actress Claire Foy – in a more explosive story that centers on Salander and the complicated history she has with her own family.

Lisbeth is…

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Amal Clooney’s $18,000 Coat Collection Will Make You Actually Excited for Winter

ESC: Amal ClooneyAmal Clooney makes braving the cold look so good.
If you ask anyone that lives in an area with four real seasons (we’re looking at you, NYC dwellers), they will most likely tell you…

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14 Crazy Cleaning Tips That Actually Work

You may have your allegiances to certain brands of cleaning products, but are they really getting the job done? If you have an especially tough cleaning problem to solve and the supermarket supplies just aren’t cutting it, maybe it’s time for a slightly more unconventional approach, one that involves grabbing a few items from the pantry or trying a wacky, off-the-wall cleaning trick. Ready for a little adventure? Here are 14 crazy cleaning tips that actually work.
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This Tool Will Tell You if Your Grocery Spending Is Actually Normal

Setting a monthly or weekly food budget can feel like a brain teaser.

How much did you spend last week? Is that normal for you? What did you get for the money? Is that a reasonable amount to spend? Is there a cheaper grocery store you should be going to? Is there room to cut back?

The list of questions to ask yourself can feel endless. And then there’s the work of actually sticking to the budget once it’s set. It can feel easier to just give up on the budget altogether.

But there’s a free resource from the U.S. Department of Agriculture that takes some of the guesswork out of it.

Each month, the department releases an updated breakdown of how much individuals and families should expect to spend on groceries at different budgets.

According to a 2007 report, the numbers provided by the USDA are based on how much people spend at the grocery store and assumes they cook all their meals at home. So your numbers will vary based on how much you eat at restaurants.

Note that while income plays a role in how much people spend on food, the USDA’s budget groups are based on spending habits, not income.

Here’s How Much the Most Frugal Grocery Shoppers Spend

On the low end of the spending spectrum are the “thrifty” and “low-cost” plans.

According to the USDA, the thrifty plan is a benchmark for people on the Supplemental Nutrition Assistance Program, the government program that provides low-income people with money to spend on food. This group represents the 25% of the country that spends the least on food.

The next 25% of the country is represented in the low-cost plan. Here, a single person between age 19 and 50 would be expected to spend between $ 48.20 and $ 55.50 at the grocery store each week.

Alternatively, a family of four — a man, a woman and two children between ages 2 and 5 — would spend around $ 166 each week or $ 719.10 each month.

Here’s How Much Big Spenders Drop On Groceries

The 50% of us who spend the most on groceries fall into the “moderate” and “liberal” categories.

Under the moderate plan, a person between 19 and 50 years old can expect to spend between $ 59.10 and $ 69.50 each week, while the liberal plan allots between $ 75.70 and $ 85.30 for people in the same age group.

Families of four with young children are expected to spend $ 204.90 or $ 253.90 per week for the moderate and liberal plans, respectively.

Overspending on groceries? Here are some tips that will help you stretch your grocery budget further.

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

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.


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5 Books That Will Actually Make You Productive

Over the last decade, I’ve read my way through the entire Barnes & Noble productivity section. Has it made me the most productive person in the world? Debatable. The Rock, or, perhaps, Elon Musk might lay claim to that title, but this little word binge did make me remarkably more focused. Whether you want to get more work done, stop procrastinating, pick up a new skill, or need a swift kick in your Aeron chair, there’s a book out there for you.

If You’re a Productivity Newbie

Great news, friends! You don’t have to master complicated filing systems, or download habit-tracking apps, or start going to bed at 8 p.m. every night to get more meaningful work done. Nope. What you have to do is focus on one thing at a time. Go small, says Gary Keller, author of The One Thing, by ignoring all the things you could do, and focus on what you should do. Pick a task, complete it, move on to the next. It’s shockingly counterintuitive, practically transgressive. He’s definitely not advocating multitasking, and getting this mantra drilled into your head for a couple hundred pages actually makes it stick. This book is so simple—and effective—it actually makes me angry I hadn’t thought of it first.

Read more at The Daily Beast.

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Tesla outsold Mercedes-Benz in the US last quarter and might actually turn a profit before 2019

Model 3

Despite all of the drama surrounding Elon Musk’s tussle with the SEC, and despite Tesla’s early troubles ramping up Model 3 production, the company has slowly but steadily improved production across its entire vehicular lineup. During the recent September quarter, for example, Tesla said that it manufactured 80,142 vehicles and delivered 83,500 vehicles to customers. Speaking to how fast Tesla is growing, the company earlier this month explained: “We delivered more than 80% of the vehicles that we delivered in all of 2017, and we delivered about twice as many Model 3s as we did in all previous quarters combined.”

Demand has never been much of a problem for Tesla, and now it appears that the electric automaker is finally getting a firmer handle on supply. In fact, a new report from Atherton Research relays that Tesla during the recent third quarter outsold Mercedes-Benz in the U.S. for the first time in history. What’s more, the report adds that Tesla was just 2,000 vehicles away from outselling BMW.

Continue reading…

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Tesla outsold Mercedes-Benz in the US last quarter and might actually turn a profit before 2019 originally appeared on BGR.com on Tue, 9 Oct 2018 at 18:08:40 EDT. Please see our terms for use of feeds.


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