Wise Bread (Nora Dunn)

How to Travel Full-Time for $17,000 a Year (or Less!)

Nora Dunn — Tue, 14 Feb 2012 11:00:13 +0000

For the last five years, I've been traveling the world full-time, and for less money than I've ever spent (and I'd wager less money than most people would spend) to live in one place.

My worldly possessions fit into one bag (just larger than carry-on size) and a backpack containing my laptop and computer gear. This small entourage (weighing less than 45 pounds in total) comes with me as I wander around the world, sometimes quickly, but mostly slowly. (See also: Housesit on Your Next Vacation)

In 2011 alone, I traversed 13 countries and over 45,360 miles. Sounds pretty expensive, huh?

What if I told you it wasn't? What if I told you that both 2010 (a similarly busy year of travel) and 2011 cost me just over $17,000 (including some major non-travel related purchases)? Would you believe me?

Believe it. (Here's proof, with a full breakdown of where I went and how much it cost: My Cost of Full-Time Travel in 2011).

How to Keep Your Travel Costs Low

Of course, I could travel for way more than $17,000/year. The sky is the limit for what you can spend on the road, from food and accommodation to flights, destinations, and tours. I could also travel for less than this, if I made different spending choices.

Here are a few of my secrets.

Don't Pay for Accommodations

In the entire year of 2011, I paid $173 for accommodation. And that expenditure was a function of a discounted stay at the Hilton in Stockholm as a luxurious “splash out.” The rest of the time, I had free accommodation in various forms, including...

Work-Trade/Volunteer

There are lots of creative opportunities to work in trade for your accommodation (and sometimes food) and enjoy a more immersive travel experience. Many of the sites that introduce you to these opportunities involve a monthly or yearly subscription, but in my experience it's well worth it. Here are some resources:

Hospitality Exchange

Got a few nights to kill at a given destination? Try a hospitality exchange, where locals who would like to host a traveler can put you up in a spare room or even on their couch. Good manners predicate you move on after a few days, and although it's a free stay, expect to provide a gift for your host and help out wherever you can. But there's also no better way to see how the locals live than to actually live with a local.

House/Pet-Sitting

After five years on the road, I've come to crave my personal space, as well as time to work on my location-independent career as a travel writer. So when other people hit the road to do some traveling of their own, I come into their homes and take care of the property, pets, gardens, and any other chores that require attention in their absence. I tend to the home fires for periods of time ranging from weeks to months, and I'll soon be enjoying my second three-month stint of house-sitting and dog-minding on the Caribbean island of Grenada, where I have my own beautiful free beach-front villa and use of two cars.

House Carers
The Caretaker Gazette (I've listed this twice because The Caretaker Gazette specializes in both volunteer and house-sitting opportunities).
Trusted Housesitters
Mind My House
Housesit World
Aussie House Sitters
House Sitters America

Crew on Sailboats

My most recent foray into free accommodation has come in the form of volunteering on sailboats. Every boat is different in what it requires, from capable sailors or people with boat-specific technical skills to simply being an extra set of hands to share chores and provide good company. I started out with absolutely no sailing experience, and I have met all sorts of people in the cruising community and been aboard three boats in the last month alone. This is a whole lifestyle and way of travel unto itself.

Another way to get free accommodation includes home exchanges; check out more information on home exchange resources and etiquette.

Don't Pay for Flights

When I have to fly (which I try to do as rarely as possible), my long-haul flights are in business class, and cost less than the price of an economy ticket. I do this through the creative use of frequent flyer miles. I started out (years before I became a full-time traveler) simply as a passive collector with my credit card before delving into the world of creative frequent flyer mile accumulation through various promotions (here's the first big promotion I took advantage of in 2009).

Now I'm hooked, and always on the hunt for a frequent flyer deal, often accumulating thousands of miles each month without actually flying, which is easy thanks to my Travel Hacking Cartel membership.

Sometimes it actually works out better to pay cash for a flight, especially if it's a domestic flight. If this is the case, here are some resources and tips to ensure you get the lowest price, even after you pay for your ticket.

Travel Slowly

The slower you travel, the less money you'll spend on transportation, interim accommodation (for example, between when you land in a new place and begin a house-sitting or volunteer gig), and even set-up expenses like buying groceries/staples or wear-and-tear on personal effects like luggage.

And the slower you travel, the more immersive your experience will be, and the more likely you will be to develop relationships with locals (who may not want to invest the time and effort getting to know somebody who is simply passing through) who can in turn deepen your travel experience and help you learn what life is like around the world.

Your Travel, Your Style

There's more to full-time travel than these three techniques to keep your costs low. I made purchases that weren't totally necessary, and I could have further reduced my expenses if I'd gone without. I also could have spent more money on any number of occasions. But for the most part I've found a groove and a personal style for my own full-time travels; one that leaves me wanting for nothing and spending how I wish on what's important to me. And all for less than I spend to live in one place.

I also have a career as a writer and travel blogger that lends itself well to my travels, creating a lifestyle that is a career, and vice versa.

Budgeting for travel is very different for everybody, as can be evidenced by this informal spending study: Taco Tuesday: The Inner Mechanics of Budgeting on Vacation.

How much do you think you would spend on full-time travel? Would you give it a shot?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Reverse Bucket List: Look Back Before Looking Forward

Nora Dunn — Mon, 23 Jan 2012 11:36:11 +0000

Everybody has a bucket list — a random list of things we'd like to do, be, or have before we “kick the bucket.” Some people make due with rough mental compilations, while others prefer their bucket lists typed, formatted, and prominently displayed. (See also: Goal Setting, Defined and Deconstructed)

But what of the bucket list? Where is the context? How satisfied will we feel about our lives today if we're constantly studying a list of things we haven't done? Where do we even begin with a list like this, instigated no less by a big clock in the sky counting us down towards an unknown “bucket date?”

I get panicky just thinking about it.

Although a bucket list can be motivational, I believe that in and of itself it can be more crippling than empowering. In order for a bucket list to reach its true potential, I think we should first start with a Reverse Bucket List.

What's a Reverse Bucket List?

In order to gauge where we're going, it's always good to know where we've come from. Creating a context of our journey thus far is imperative to understanding why we want the things we want, and ultimately, how to get them.

A Reverse Bucket List is a list of things that we think are “bucket list worthy,” but that we've already done. It's a creative way of reflecting on your life thus far and taking note of the some of the experiences that really sang to you.

Not only is it fun, but you might be surprised by what you've already done in your life. (Conversely, you may realize you need to get out of the house more.)

Either way, it's all good.

Reverse Bucket List Exercise

You may want to structure the exercise of making your Reverse Bucket List using the method for devising 100 ways to change your life.

By doing it as a fast-paced brainstorming exercise, you may be surprised at what makes its way on to your Reverse Bucket List. There are no right or wrong answers — only your own answers. It's your life, and your reverse bucket list; write down as many things as you can, without worrying about what you're actually writing. We'll get to that later.

Here are a few general ideas to get your reflective juices flowing:

Achievements or awards you've received
Fears you've conquered
Careers you've had
Friends you've made and people you've met
Places you've traveled to
Anything that's worthy of a story you tell other people
Goals and milestones you reached
Childhood dreams (no matter how silly in retrospect) you achieved
Bizarre or fun things that have happened to you or that you've done

What to Do With Your List

This isn't a pesky to-do list or a vision board that requires prominent display as a reminder of what you need to do or where you're going.

Instead, it's more in the act of constructing and initially reviewing your Reverse Bucket List that you will see the benefits.

Once you've finished writing out your Reverse Bucket List, read through it. What do you think? Do you notice any themes? Are there any gaps? How does reading this list make you feel?

Regardless of whether you feel there's too little or too much on your Reverse Bucket List, you might discover some of the things on it are surprising, even illuminating. And they might lead you to your next step.

The Next Step

Using the observations you made above, now is a great time to project your Reverse Bucket List forward. To reverse the Reverse Bucket List, as it were.

Here are some exercises you can do from here:

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

The Secret to Time Management and Work-Life Balance

Nora Dunn — Mon, 02 Jan 2012 11:36:10 +0000

Somewhat ironically, I've been sitting in front of my computer displaying a blank page and the title above for the last half hour, while gazing out the window. The window in question happens to be revealing a constantly changing gorgeous autumn landscape aboard the epic Trans-Manchurian train from Moscow to Beijing; which is part of the Ultimate Train Challenge — a 30 day trip from Lisbon to Saigon, all by train.

As so often happens, I'm trying to multitask “life” and “work” in a precarious — and frequently unsuccessful — balancing act. (See also: The Fallacy of Multitasking)

Work-Life Balance

The idea of delineating between “work” and “life” unto itself creates an unhealthy divide in our lives. Some people would say that if you love what you do for a living, it shouldn't be considered “work”. I disagree with this philosophy; I need to earn money to live, and although I love my location-independent writing career, it also impedes on the other things I love to do in life (for example, hiking, cooking, volunteering, conversing, and of course, traveling).

What's important about this (almost cliché) concept of “work-life balance” is that we need to consciously understand the choices we make and how we manage our time.

Time Management

Here's another cliché that is so often used but so rarely understood or applied. We have software programs that analyze the time we spend on our computers, day planners to manage our busy schedules, and sometimes assistants to handle the work we just don't have time for.

Even with these tools, do you get everything done in a day that you need to? Do you go to sleep at night feeling satisfied with the work you got done, as well as all the “non-work” activities you wanted to do?

I know I rarely do.

And I believe it's this feeling of constant self-dissatisfaction that perpetuates the continued pattern of work-life balance and time management issues dominating our lives.

Another View: The Three Pillars of Life

There's a school of thought that says there are three pillars of life, and that we can only excel at two of them at a time. These pillars are career, relationships with family and friends, and health and fitness.

This makes sense. If you are focused on your career and your health, you'll spend 8-10 hours a day at the office (and commuting to and fro), and another 2-4 hours a day training for that marathon. Your family and friends will consequently fade into obscurity.

If family and friends and career are important, your exercise regime will likely take a back seat. And so on.

So already, with this philosophy, we are forced to make decisions in our lives about which two of the three pillars in life we want to excel at (or the one pillar we're prepared to slack on).

But I wonder if it really has to be that way.

Juggling It All

So back to my Trans-Siberian window-gazing (I mean, working) experience.

As a full-time traveler for five years, I have the simultaneously enviable and almost-impossible task of balancing my location-independent writing career with a life lived fully on the road. Contrary to popular opinion, I don't sit on the beach every day drinking girly drinks and lapping up the sunshine. In fact, I put in almost as many work hours as most other people do — I just happen to be doing it from varying far-flung locations around the world. In my “spare time,” I learn to live life (shop, cook, socialize, etc) in the way of the local culture I'm visiting.

I also juggle staying in touch with family and friends, researching and booking onward travel arrangements, and regular volunteering.

In fact, despite my having traded in the “rat race” for what was supposed to be an “early retirement” of sorts, I recently found myself in an entirely different rat race — volunteering 30 hours per week in trade for my accommodation and food, and working almost another 30 hours per week on my writing.

When I realized this predicament in a stress-induced frenzy one day, I reduced my volunteer obligation to 18 hours a week. This, I figured, would buy me the down-time I craved for socializing, relaxing, and hiking.

Instead, to my confounded surprise, after creating space in my day, my time filled up with things I can't even account for. And I was still going to bed every night feeling tired, scattered, and frustrated that I hadn't gotten everything done that I wanted to.

A Solution: Managing Expectations

But maybe it's in the expectations I had set that I blundered. As efficient as we can be at times, maybe we can't do everything we want to. Maybe it's in the concept of excelling at the pillars in life (a very North American tendency — to want to be the best of the best or nothing at all) that we err.

What if we were to shoot for the stars, but be happy when we hit the moon? What if we forgive ourselves just a bit for not being the superstars we know we are, instead allowing ourselves to gaze out the window of an amazing train ride and simply appreciate the beauty around us?

I had intended to write three articles today. Instead, I'm finding myself gazing out the window, and I'll be lucky to complete one article between day-dreaming sessions.

And you know what? That's okay.

My time management and work-life balance comes from within, is controlled from within, and whether I go to bed tonight feeling satisfied — or not — is entirely up to me.

How well will you sleep tonight?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Gratitude and Frugality

Nora Dunn — Thu, 15 Dec 2011 11:24:21 +0000

I've been working a lot lately with the concept of gratitude and how it can attract amazing things into your life. And in so doing, I'm amazed at how my own life, happiness, and attitude has transformed.

A few months ago, I was dealt some heavy blows that knocked me back a few steps. Ironically I was simultaneously slated to write a post about things to be happy about, which was a lucky stroke, as it started me on my path of exploring gratitude. (See also: 25 Ways to Say Thanks)

The Cost of Expressing Gratitude

Gratitude in its purest form is absolutely free. It's an emotion simply borne of being thankful for something or somebody.

How we choose to express our gratitude towards others is where cost can become a factor. This is when we start dealing with social customs, politics, and expectations — which create the varying price-tag for thankfulness.

But gratitude is about so much more than simply expressing thanks to somebody for something. We can be grateful for all sorts of things, and that gratitude — in turn — can bring so many more amazing things into our lives.

Simply holding a grateful state of mind can be transformative in itself.

The Power of a Passing Smile

I met a man who suffered a series of traumatic vehicle accidents, the last of which left him paralyzed and completely disfigured. After dozens of reconstructive surgeries, he had lost his confidence, happiness, and hope.

His savior came one day, when he was out and about (in his wheelchair). His self-esteem was so shot that he usually averted other people's eyes, which normally expressed horror at his disfigurements.

But one fleeting look upwards one day revealed a woman who was walking by, who simply gave him a passing smile.

Nothing more. Just a smile.

That smile changed this man's life. With a renewed surge of energy and commitment, he underwent the remaining surgeries, and eventually moved on to recover from his paralysis in ways that even the doctors hadn't predicted was possible.

The passing smile didn't cost that woman a thing. And to this day she probably has no idea, but it changed — even saved — a man's life.

So gratitude — and expressing it — can be very frugal indeed.

This is not to say we should all walk around with smiles plastered on our faces — especially if they're not sincere. But if we generally focus on gratitude and the things we are grateful for, our chances of being bright and positive are significantly higher.

Finding and Expressing Gratitude (Frugally)

Here are just a few ways to feel and express gratitude — almost none of which cost money.

The next time you cook a big meal, spontaneously invite your neighbor to join you, or share your leftovers with somebody. (Hint — bake a cake and share it, and you'll have lots of grateful friends!)
Start a gratitude journal. Don't worry about having to write something in it every day. Simply carry a small notebook around wherever you go, and jot down things you are grateful for. By reframing your day in this way, you may discover many things (big and small) that you're grateful for.
Join CouchSurfering or another hospitality exchange site and host a traveler visiting your home town. All you have to do is offer up a place to sleep (by being grateful for the roof over your own head), and the gratitude that you'll get in return from a weary traveler can be enormous.
Eat consciously. Next time you enjoy a good meal, focus entirely on that meal. Consider the journey of the food from its origins to your plate, and the number of people's lives it affected along the way.
Call your mother on your birthday — and thank her. (She had a lot to do with it.)
Make handmade cards. A lovely hand-written note (especially if the card itself is handmade) is a beautiful way to express gratitude. It doesn't even have to be a special occasion — in fact, the more mundane the day, the more special the card becomes.
Go out for a day with your camera and take pictures of everything. When you peer at the world with the eye of a photographer, you tend to see, discover, and appreciate things you never previously noticed.
Try being grateful when something bad happens. For example, maybe missing that bus and being late for work leads to meeting somebody new or some other positive experience you might not otherwise have had. Or conversely, maybe this minor mishap helped you to avoid a major one.
Start a game of “pay it forward” at the drive-thru. Pay for the coffee that the person behind you has ordered, so when they drive up to the window they have a lovely surprise from a complete stranger. Hopefully they'll “pay it forward” and do the same for the car behind them.

The Effects of Gratitude

As with the law of attraction, the effects of expressing gratitude can't be directly measured, but could certainly be attributed to holding a positive state of mind and being.

Just ask anybody who as developed a vision board, played the prosperity game, or looked at 100 ways to change their lives; some amazing things can happen by simply reframing your way of thinking.

Since I've started actively focusing on gratitude on a daily basis, not only does everything tend to flow, but people are saying things like I “have magic in me.” A friend (who is a very straight-laced scientific sort of guy) told me he saw my aura — something that he wouldn't have believed in if he hadn't seen the white glittery light emanating from me.

I don't have magic powers, and who knows — maybe the friend who saw my aura was just drunk. But I do believe that acting out of positivity, being grateful for the many things — little and big, simple and complex — we have in life, can lead to amazing things.

And just like the passing smile the saved a man's life, it can have a ripple effect that nobody can possibly predict or control.

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Cash for Trash: Making Money Recycling

Nora Dunn — Tue, 22 Nov 2011 11:24:38 +0000

Want to “go green” and make some money while you're at it? It's possible. You won't exactly get rich doing it, but I certainly wouldn't say no to making some extra cash — especially for recycling, which is kind to the environment. (See also: 10 Easy Ways to Be Nicer to the Environment — and Your Wallet)

A while back, Elizabeth put together a list of ways to make money recycling, which outlines some websites that will pay you to recycle various items from electronics to ink cartridges to cardboard boxes to golf balls. Here are more websites, businesses, and programs that pay you for recycling a variety of goods that you can't otherwise recycle yourself. It's a win-win situation; your stuff stays out of landfills, and you get paid to recycle it.

Most (if not all) of the online companies will pay for your shipping expenses by either emailing you a pre-paid shipping label to print, or by sending you an addressed box in which to ship your recyclables. Many also have charitable status and will issue you a tax-deductible receipt instead of a cash payment.

Cell Phones

Cell phone recycling led the way in the now burgeoning industry of getting paid to recycle. Most of these companies will refurbish your phone and redistribute it by selling or donating it to non-profit organizations or consumers (local or overseas). Some will require your charger or other accessories, while others don't.

Some companies will even pay you for a cell phone that doesn't work any more, but if they don't, they usually still pay for shipping and accept broken phones to recycle them responsibly.

There doesn't seem to be a standard rate for any make or model of phone, so do a little comparison shopping to get the most for your recyclables.

Sell iPhone for Cash

A Wise Bread reader recommended Sell iPhone for Cash. List the model of your iPhone and what condition it's in (including whether you have power cords or other accessories), and they'll give you a free shipping sticker and a box too, if you want one. They send a check within 30 days.

Pace Butler

Pace Butler has been around forever and will quickly send you a check for your phone (within four days of receipt and inspection).

Simply Sellular

Your phone must be in working condition. Simply Sellular will pay within 45 days of receipt and inspection of your phone.

iBuyPhones

iBuyPhones plants a tree if you donate your phone instead of requesting payment or if your phone is damaged and can't be refurbished. This doesn't exactly line your pockets, but you can rest assured that your phone is being responsibly recycled, and there's a tree out there with your name on it.

FlipSwap

FlipSwap will also plant a tree if your phone isn't in working condition. If the phone works, they'll send you a check (checks are issued twice per month). FlipSwap has also collaborated with Recycle Bank (see below).

Other Electronics

Cell phones are just the start. What about recycling the other electronics we have that we can't dispose of in an environmentally friendly way on our own? Similar to cell phones, your device usually needs to be working for you to get paid; if not they'll still pay for shipping and will recycle it responsibly.

Electronics for Cash

Electronics for Cash recycles Mp3 players, video game systems, digital cameras, computer monitors, HDTV screens, laptops, GPS devices, and phones.

My Laptop Broke

Wise Bread readers have had good fortune with My Laptop Broke. List your laptop (they're looking for any make and model, and don't care if it's broken), get a quote, then they'll send you a self-addressed stamped box. Send your laptop to them, and they'll pay you via PayPal or check. The overall process takes 2-3 weeks.

Furniture, Clothing, and Sporting Goods

In another article, I outline a few ways to recycle your clothes and shoes (and more!). But don't forget about your local consignment shop if you want to make some extra cash. Your wardrobe or garage full of unused sports equipment might be useless to you, but it could be treasure to somebody else. In a consignment shop, you set the asking price, and when the item sells, the shop takes a commission and gives you the rest.

Curbside Items: Recyclebank

Recyclebank is in a category all its own because it's quite a comprehensive rewards program for recycling and adopting other environmentally friendly habits (and it looks like fun too!). You get reward points for doing a variety of “green” things such as switching from bottled water or bringing a reusable coffee mug from home when you buy coffee.

I also really like their Home Recycling program; you receive a special recycling cart (no sorting required), and your recyclables are picked up by their special carriers. You are rewarded points by weight of how much you recycle. Recyclebank points are convertible into gift certificates for a number of retailers and restaurants. So while you don't get paid in cash, you can subsidize some of your normal expenses with the certificates (or even treat yourself to something nice as a reward for your hard work).

Bottles, Cans, and More

One crafty Wise Bread reader mentioned that they get paid for taking soda cans to a local recycling center, and they are paid based on weight and the current price of aluminum. You can also do this with bottles, scrap metal, and a variety of other things.

Earth911.com is a comprehensive resource for recycling all sorts of things from bottles and cans to electronics to paint, hazardous materials, and more. Some centers will pay for your recyclables, while others simply promise to take materials off your hands to dispose of them responsibly. You can easily search for recycling centers near you with this site.

Do you get paid to recycle? If so, how?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

The Two Biggest Mistakes People Make When Starting to Live Frugally

Nora Dunn — Thu, 10 Nov 2011 10:36:30 +0000

"I've turned over a new leaf in life!" You exclaim from the highest mountain about your newly adopted frugal lifestyle. You've seen the light — possibly through dire financial necessity — and you understand that with a few lifestyle changes, you can live frugally with relatively no pain and lots to gain.

Living frugally, after all, is en vogue. Brown-bagging is in, sushi is out. Home-brewed coffee in, Starbucks out. Curling up with a good book in, rounds of drinks at the bar out. Macrame Christmas presents are in, shopping at the mall is out. You're full of frugal lifestyle ideas and are excited about getting on this bandwagon. (See also: 25 Frugal Changes You Can Make Today)

Making the Investment to Be Frugal

So you head to the grocery store in preparation for your new frugal lifestyle. Your previously empty fridge will be stocked to the hilt with inspirational ingredients that will fuel your new frugal gourmet life, and you're determined to create works of culinary mastery that will serve up nutritious dinners yielding leftover lunches you'll be excited about the next day.

You look forward to bragging to your co-workers about the awesome lunch you'll be toting. They might even become so envious, you'll start cooking up big batches of your soon-to-be-famous dishes and selling them for an extra few bucks on the side. Now that's how you make frugal cool, baby!

You reel yourself in. For now you just need to learn to cook something good and stock your fridge. But since you had an empty fridge to begin with, this is a frugal investment.

Next in your shopping mission to live frugally, you stop at the bookstore. Books provide hours and hours of entertainment, so even though they may cost the same as going to a movie, they last so much longer, and you can enjoy them over and over again.

"Wow — it's been a while since I've read anything," you think as you browse the bookstore. You're inspired by so many books, you can't seem to choose. So you don't. You buy the lot.

The last stop on your frugal shopping spree is Starbucks. If you're going to start bringing coffee from home in the mornings, you need a nice travel mug to tote it in — and some nice beans to get you started. (Wait a minute — that's a pretty nice French press coffee maker there. The coffee will taste much better from that, and you're much more likely to be excited about your daily coffee if it's really high quality. This is most certainly a frugal investment worth making — something that will be paid off with a few weeks of no lattes, anyway).

So in the name of getting ready to start living frugally, you've made a hefty investment. But it's all worthwhile, right?

Off and Running...

Now you're ready for your new frugal life. You cook a terrific meal that's so good, you entertain the idea of hosting frugal dinner parties and showing other people how to do it. This is easy! You can't believe you didn't start this whole frugal lifestyle thing earlier.

After dinner you curl up to your new book and fall asleep in a state of frugal bliss.

The next day your frugal lunch is delicious, and you don't even mind eating it in the company of your coworkers who have ordered their standard sushi lunch. You love sushi too, but frugal tastes better.

You think of all the other ways you can live frugally. Inspired by your initial success, you're ready to take your life to frugal extremes.

...But Too Fast?

Maybe you last a week of living with your new frugal choices. Maybe longer. But at some point you wonder how long you need to live like this before you're allowed to splurge. You've been so good — cooking meals at home (it's a lot of work!), brewing your own coffee (which isn't nearly as good as Starbucks), brown-bagging your lunches (which are good, but not sushi), and staying inside reading your books (which are getting a little bit boring).

You haven't even reached a break-even point of your "frugal investment," and you're wondering when you can splurge. The sense of deprivation is starting to kick in. Frugal may be cool, but it's definitely not happening.

The Two Biggest Mistakes People Make When Starting to Live Frugally

The above examples of adopting a frugal lifestyle are, of course, exaggerated and slightly parodied. Although there are people out there who fit this profile to a "T," there are also many more who make choices about becoming frugal that don't cost as much money. Either way, these examples demonstrate two major mistakes people often make:

Mistake 1: Spending Too Much Money to Be Frugal

Although in some cases you need to spend a little money to save a lot of money, generally, this is not part of the frugal mentality you need to adopt. Beware of shopping sprees in the name of adopting new frugal habits; until you know the habit is maintainable, it's not worth spending the money. (Besides, there's usually a more moderate or creative approach to the task that costs less.)

Mistake 2: Doing Everything at Once

Turning your life upside down overnight in the name of starting to live frugally is a recipe for disaster. Living frugally isn't about sacrificing everything and depriving yourself; it's about making balanced choices that allow you to live large on a small budget. By swinging from one extreme to another, your ability to strike a frugal medium — one that is actually a maintainable lifestyle — is remote.

Deprivation is not frugal. Although adopting new frugal habits might require some initial compromises, miring yourself in deprivation in the name of living frugally only invites a financial rebellion before you've even made any headway.

How to Really Start Living Frugally

Instead of turning your life upside down in the name of becoming frugal, here are some suggestions for how to start living frugally:

Ease into new frugal habits in a way that's comfortable, not shocking. If you're going to start brown-bagging lunches, for example, and you're used to eating out every day, then start with leftover lunches three days a week. This still gives you a lunch out two days per week to look forward to — and you're still saving money overall.
Adopt frugal lifestyle ideas one at a time, and incorporate them into the framework of your life. It takes 21 days of doing something to make it a habit, so allow yourself this time to weave new frugal habits into your routines. After bringing lunches to work becomes comfortable to maintain, shake up your coffee ritual by only treating yourself to Starbucks on Mondays and Fridays. Let this habit sink in, then tackle another area of your life.
Instead of always adopting new frugal habits, try deepening a habit you've started. Leftover lunches going well? Then try cutting down lunches out to one day per week. Liking your home-brewed coffee? Maybe Starbucks can wait for Saturday mornings only. Or maybe Starbucks can become a thing of your past altogether.

Staying Motivated

If you want to start to live frugally, you'll best get there slowly and methodically — as unglamorous as it sounds. But in this slow-and-steady approach, it's easy to lose sight of the ball. Remember that you decided to start living frugally for a reason, and that reason is attached to a goal. If you stick to living frugally in a manageable way and track your progress, you'll reach those goals — and then some.

Your frugal lifestyle is just that — a lifestyle, not a passing fancy.

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Big List of Things to be Happy About

Nora Dunn — Fri, 28 Oct 2011 10:36:17 +0000

I'm writing this post from the Caribbean island of Grenada, where I'm house-sitting for three months. Sounds pretty good, huh? (See also: Housesit on Your Next Vacation)

Well, I've just been dealt a heavy blow. My “partner” — who was supposed to join me here shortly — announced that he's been sleeping with another woman, and....drum roll, please....she's pregnant.

So my plans of spending the next three months in romantic coupled bliss on a tropical island are out the window. And to make matters worse, I'm really sick — an illness so incapacitating that I can only sit up for bouts of 10 minutes before having to lie down again. Being sick like this is a very scary way to be when you're alone — and a stark reminder of that aloneness.

And, ironically, I've agreed to write a post on things to be happy about.

It's time to reframe my experience. It would be stating the obvious to point out that I'm nursing my wounds (physical and emotional) on a Caribbean island, where I have almost no overhead expenses. This is something to be happy about. There are some engaging and friendly locals who live and work on the property, lending me a sense of companionship and security. And heck — I've found a way to travel the world full-time in a financially sustainable way; something I've been doing for the last five years.

To say “things could be worse” is an understatement.

Don't Wallow — Reframe Your Thinking

When times are tough, it's difficult to see the forest for the trees. Everything becomes dire and full of despair.

To a point, I think it's healthy to explore these darker moments, because they lead to incredible growth experiences. But to linger in the depression — to wallow in self-loathing and doubt — is a dangerous road to go down. And you usually end up pushing away the people who are trying to help you in the process.

Instead, wallow — but only for a while. Then, reframe. After a period of self-care and nurturing kindness, it's time to pull yourself off of what can be a slippery slope towards bad habits and depression. Consider how you can change your life if you're feeling stuck. Cut out some pictures and dream big with a vision board. And surround yourself with people who love you and can support you. Don't push them away, as is often the knee-jerk response. It's in getting each other through dark moments in life that friendships deepen.

Here's a random list of things to be happy about. Don't allow a potential lack of some of these items in your life to get you down; instead do what I did in coming up with this list — look at the world around you through a baby's eyes. You'll be amazed at what you observe, and how simple the root of happiness can be.

Things to Be Happy About

The sound of an ice cream truck.
Sun showers.
Birds chirping.
Gentle ocean waves.
That whatever doesn't kill you makes you stronger.
The smell of freshly baked bread.
Colorful flowers.
Being inside when it's raining. Especially in bed, where you can snuggle up and enjoy the fact that you're dry.
Being outside in a hot and refreshing rain, when you don't care about getting wet.
The sound of children laughing.
Fresh, delicious food.
Electricity.
Clean water.
The sound of trees rustling in the wind.
The feeling you get when somebody smiles at you.
A mother's hug.
Cookies, still warm out of the oven.
A parent saying “I'm proud of you.”
Landing a new job.
Waking up to a fresh snow — and knowing it's Saturday so you don't have to shovel!
Laughing so hard you cry.
The feeling of comfort when a pet snuggles up to you after a long hard day.
Epic sunsets.
The excitement of going somewhere new.
A great cup of coffee or tea (especially on a cold morning).
Getting absorbed in a really good book.
Cooking a meal that is so good it surprises even you.
Hosting a party that goes off like a charm.
Warm clothing in cold weather.
Cool clothing in warm weather.
Freedom of rights.
A mug of frothy hot chocolate after coming in from the cold.
Music that makes you want to dance.
The thrill of new love.
Sleeping in.

To round out the list, here are a few things the Twitter and Facebook users I asked like to be happy about:

How about being alive! The sun, the wind, the moon. Coffee, gelato, pineapple. Kissing, hugging, crying.
Being healthy enough to travel.
Smoke-free bars, clubs, and restaurants.
Mismatched wool socks and sandals!
Good friends and fond memories.
Double rainbows and changing fall colors.
Bubble wrap and being able to be you.
The word "bellybutton." I dunno...it just always makes me laugh saying it.
Being in the present moment.
Spandex, kittens, rude people falling down, salmon with dill, celebrity nipple slips, Wolf Blitzer lawn gnomes, Darth Vader Pez dispensers, the Dali Llama, puppy kisses, and the fact that they are filming season two of Game of Thrones.
Puppies first opening their eyes and looking in wonder at their world.
Friends coming to visit.
That you are young and your knees and hips still work!
You're still alive, nothing is broken, and you aren't in jail...so anything is possible.

There. I don't know about you, but I actually feel a bit better. It's nice to reframe a tragedy (or tragic frame of mind) into something you just might eventually be able to be happy about.

This is a working list. Got anything to add?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

You Are What You Do: 16 Ways to Improve Your Body Language

Nora Dunn — Tue, 18 Oct 2011 10:00:12 +0000

What you say is only the tip of the iceberg of communication. The rest lies in your body language: how you hold yourself, your mannerisms, conduct, and even how you breathe. With a little conscious effort to improve your body language, you stand a better chance of scoring that job, that date, or simply being seen as the engaging and genuine person that you are. (See also: 7 Ways to be the Life of Every Party)

What Is Body Language?

Body language includes more than just the slouch-factor or where you put your hands. In fact, it includes facial expressions, proximity to others, body position, habits, eye gestures, how we touch ourselves and others, how we interact with what we touch (i.e., fiddling), and even breathing.

Conscious or Subconscious?

Many of our mannerisms are subconscious, and we also read other people's mannerisms subconsciously. In fact, in the first two minutes of meeting somebody, your chances of remembering their name is slim, because your subconscious mind is busy evaluating that person's body language and getting to know their personality that way. (So if you want somebody to remember your name, make sure you repeat it after the first two minutes of conversation; it drastically improves their chances.)

But body language — specifically our control over it — can also be quite conscious. By identifying the habits you have that don't serve you well and adopting new habits that increase the engagement factor with other people, you can consciously improve your body language — and hence your communication skills. At first some of the techniques in this article might seem awkward or forced, but most often it's only you who feels that way, since you're changing an ingrained habit. Keep it up, and you'll be naturally socializing like a star in no time.

Body Language Caveats

Before we get into the specific methods of improving your body language, remember that no one gesture is universal. Although crossed arms can signal a communication blockage, it could also be necessary for warmth or simply a comfortable way to hold your arms. Rubbing your eyes could signify frustration, or it could just mean you're tired or have an itch. Try not to read into body language (yours or others') too much or too literally.

Culture also plays a part in body language. Some cultures respect personal space more than others, so proximity guidelines would be different depending on who you are dealing with. Other cultures view eye contact as a threat and lack of respect, and not the sign of confidence that many Western cultures view it as.

16 Ways to Improve Body Language

Here are 16 ways to understand and improve your own body language.

1. Be Aware

The first step to body language improvement is awareness. Start to pay attention to everything you do, and when you do it. The other day, I noticed I play with my earring when talking to certain people or about certain topics; with that realization I can better understand why I do it and what it means. Awareness is half the battle.

2. Study Others

Look at other people — especially people you admire. How do they hold themselves? What can you learn from them?

3. Mirror the Other Person

If you are sitting or standing opposite somebody, mirror their body positions, match their tone, and carry the same pace of conversation. Don't do it in an obvious or unnatural fashion. Even subtle mirroring can create a synergy and connection, and after a while you'll both be doing it naturally — you won't even know who is following who!

4. Be Aware of How You Cross Your Arms and Legs

Many people find crossing arms or legs comfortable, so it's no use to say you can't do it. If you want to cross your legs, that's okay; just be aware of the direction your cross them in, and make sure you cross towards your conversation partner. Beware: crossing your legs in a "figure four" fashion with your ankle resting on your knee can be seen as being stubborn or arrogant.

Also, be aware of other ways of creating crosses with your body; women often grab their opposite shoulder or elbow, or people hold a drink on the table using the opposite hand: these are signs of a lack of confidence or closing your body (and mind) to the conversation.

5. Make Eye Contact

Eyes are windows to the soul, and what you do with them communicates a lot. Be sensitive to cultures that eschew eye contact with elders or strangers; otherwise don't be afraid to look somebody in the eye. Not only will you say a lot by doing so, but you might also learn a lot.

6. Relax Your Shoulders

Holding your shoulders by your ears is a sign of tension, and stands to put your conversation partner on edge as well.

7. Don't Slouch

Although sitting ram-rod straight might be a forced exaggeration, make sure you're not slouching. Your back — and social life — will benefit.

8. Face Your Conversation Partner

Similar to crossing arms and legs, not facing your conversation partner is a sign of distraction or disinterest. You'll increase engagement by facing your partner, and...

9. Lean In

Have you ever had a conversation that you're both really enthusiastic about? You'll probably notice you both are lively, and leaning in towards each other.

10. Mind Your Fidgeting

I'm a sucker for playing with my drink, or straw, an earring, or a bottle cap — with what I affectionately refer to as a "tactile fixation." But it can be a sign of nervousness and, at the very least, a distraction for others.

Also watch out for touching your face or running your hands through your hair.

11. Don't Tilt Your Head (Too Much)

Although a slight tilt of your head can indicate interest, too much of a head tilt (women are the main culprits for this) indicates submissiveness.

12. Don't End Sentences with Upswings

Although intonation isn't quite body language, it warrants mentioning since it's part of the subconscious messages we communicate. Ending your sentences like questions indicates a lack of confidence in what you're saying, which does nothing to instill others' confidence in you.

13. Go for a Firm or Matching Handshake

Don't squeeze the life out of your new acquaintance, but a nice firm handshake feels good. I tend to try to match my acquaintance's handshake (like mirroring) — except for wet fishes. I just can't do it.

14. Know Where Your Hands Are

Holding your arms behind your back with your hands clasped is a sign of confidence. (It also provides you with something for your hands to do if you're a fidgeter! This is great for public speaking.)

Conversely, holding your hands in your pockets might be comfortable, but can also indicate boredom or over-confidence.

15. Sit in an Engaging Position

Unless you're star-crossed lovers gazing into one another's eyes, sitting directly opposite somebody indicates confrontation. It's even worse with a table or desk in between you, which creates a barrier. Instead, try to sit at a 45 degree angle. This provides comfort, space, and still allows you to mirror and engage.

16. Relax!

Now that you're probably hyper-aware of everything you do and don't do, take a deep breath and relax. Adjusting your body language might feel unnatural at first, so don't force it too much. With a dose of awareness and applying these techniques gently over time, you'll communicate everything you want to with your words as well as your body.

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Another 36 Uses for Tin Foil

Nora Dunn — Tue, 04 Oct 2011 10:24:12 +0000

A while back, Jeff wrote a great post on surprising ways to reuse foil, such as sharpening scissors and knives, reducing static cling, and repairing stripped threads. Here are 36 more ways to use the shiny stuff!

Note — make sure you reuse, rewash, and recycle your foil whenever possible. This helps your money go further and reduces unnecessary waste. Also, instead of ripping off a sheet larger than you need, cut your foil to suit your exact size requirements (this has the added benefit of sharpening your scissors too).

Kitchen

Foil is usually kept in the kitchen, so let’s start there. It’s good for so much more than you might think!

1. Storing Food

The reason foil is good for food storage is because it creates a total barrier against light, oxygen, odors, flavors, moisture, and bacteria. Fats — for example — won’t oxidize and become rancid. (See also: Simple Strategies for Using Your Leftover Food)

2. Cooking

Along the premise of foil being a barrier against moisture, it also holds it in. Wrap food in foil (especially handy before chucking it on the barbecue), and get creative by making little foil packets with combinations of veggies and spices. You can also use foil to finish cooking something (like meat) that has been mostly cooked and is still hot, but needs a little bit longer to tenderize. (This works well for timing a meal if the other components aren't ready yet).

3. Funnel

Roll a double-thickness of foil (ideally the heavy duty kind) into a cone shape and snip off the end.

4. Pastry/Piping Bag

Start with the funnel (make sure the hole at the end is small). Fill the cone with icing and twist or fold the top closed so it doesn’t seep out. Use heavy-duty foil and get creative cutting designs or patterns into the end to shape how the icing comes out. (This might take a trial run or three).

5. Novelty Cake Shapes

As long as you’re icing a cake with foil as an aid, why not bake one with it? Don’t buy a heart-shaped cake pan — make one! Use several thicknesses of foil to create whatever shape of a cake pan you desire, and place it inside a regular cake pan or on a baking sheet. Every cake can be a work of creative genius, without having to spend money on specialty cake pans.

6. Oven Rack Spill Catcher

Although pizzas may cook best when placed directly on the rack, I have no interest in watching cheese drip over the edges and turn into a blackened mess on the oven bottom. Cover your oven rack with foil, and you have a spill-catcher and pretty much the same cooking conditions as if it were on the rack itself.

7. Oven Liner

As long as you’re worried about spillage, you can line the whole bottom of your oven with foil as well. However, as pointed out in this article on oven efficiency, don't make a habit of leaving foil on the rack or the bottom of the oven, as it reduces air flow.

8. Burner Catchers

Use foil to line the bowl-shaped catchers underneath each stove element, and you’ll save quite a bit of scrubbing. Replace as necessary.

9. Oven-Cleaning Aid

If you can’t remove the elements from your oven before spraying cleaner, just cover them in foil to protect them from the spray.

10. Soften Brown Sugar

Wrap your unwitting brick of brown sugar in foil and bake for five minutes at 300°F to soften it. Leave it in the foil and store in an air-tight plastic bag to keep it soft.

11. Bake Pies With Perfect Crusts

I’ve burned many a pie crust waiting for the filling to finish cooking. Save yourself the agony by covering the edge of the crust with foil once it’s golden brown to prevent it from burning.

12. Make a Solar Cooker

This takes a little more than foil alone, but if you’ve got sunshine, you may as well make full use of it with a solar cooker and save money on energy costs.

13. Keep Rolls Hot

Want to serve perfectly warmed dinner rolls even if guests are slow to the table? Line a bread basket with foil, put your warm rolls in, and cover them with a napkin.

Camping

Foil is a light and easily portable tool that has many handy uses when camping.

14. Keep Things Dry

As a barrier against moisture, foil is a great way to keep things dry. For example, if you have a cooler full of ice, you can wrap sandwiches in foil to keep them cool and prevent sogginess. Or if you’re headed off the trails, wrapping your lunch in foil could protect it from being destroyed during that wonky river crossing.

15. Cooking

As stated in the kitchen section, making creative packets of goodies and cooking them can be fun for the whole family. This is especially handy if you’re cooking over a campfire.

Craving a grilled cheese sandwich? Wrap your bread and cheese in foil and cook it over the fire. (And if you’re “camped out” at a hotel, you can even make these sandwiches by using an iron to grill your sandwich. Yup. An iron).

Beauty

I couldn't find too many beauty uses for tin foil — not like you can for other unlikely suspects like powdered milk, toothpaste, or even banana peels. But below is one I tested when I performed in a musical requiring curly locks — it really works.

16. Curl Your Hair

While your hair is still damp, wrap sections lengthwise in foil, and roll the foil around your fingers as tight or loose as you choose. Sleep well, and awake to super-curly locks!

Household

Oh, there are so many household uses for foil! Where to begin?

17. Rust Remover

Got rust? Use a crumpled piece of foil to rub it off. Rumor has it if you dip the foil in cola first, it works even better.

18. Polish Steel

Using the principle of oxidization, dip a piece of foil in water and use it to remove rust from and polish your steel.

19. Polish Silver

See this article on how to clean silver naturally for more on this nifty and easy technique.

20. Soap Saver

By putting a piece of foil on the bottom of a bar of soap, it won't sit in a puddle of water, and will last longer.

21. Plant Rescue

Cut the side out of a cardboard box and line the inside with foil. Put your sun-starved plant inside the box, and place it in a window with the open side facing the window/sun. The sun reflecting off the foil will give your plant a boost of light and will help it to grow straighter too.

22. Line Fireplaces and Grills

To protect your fireplace or grill from soot damage, you can line the bottom with foil.

23. Furniture Protector

Shampooing your carpets? Protect furniture legs by covering them in foil to keep the shampoo off and save you (and your back) from playing Tetris with heavy furniture.

24. Sculptures

When struck with a bout of creativity, foil can be loads of fun for making sculptures and other crafty items.

25. Improve TV Reception

No, I'm not talking about creating foil rabbit ears (though this helps too). If your DVD player lives atop your TV, the picture might be fuzzy. Put a sheet of foil between the two to reduce interference.

26. Iron Both Sides at Once

Putting foil underneath your ironing board cover doubles the effectiveness of your iron by reflecting the heat back up and helping you to iron both sides at once.

27. Steam Delicate Garments

Don't put that iron away yet! Put a piece of foil under your garment and hold the iron a few inches above the garment while holding down the steam button. Voila — you've de-wrinkled your delicates without using direct heat.

28. Wrapping Paper

In a pinch, foil does the trick as wrapping paper, especially for those awkwardly shaped gifts. You can also cut out custom pictures and shapes and incorporate a creative sculpture or two!

29. Heat Your Home

Placing foil on the wall behind your radiator will direct heat back into the room, making it more efficient. (Here are six other ways to reduce your heating expenses and stay warm.)

30. Keep It Cold

Conversely, on a really hot day you can keep your drinks cold for longer by wrapping your cup or glass in foil.

31. Makeshift Washer

Jeff mentions how foil can be used to repair stripped threads on screws; you can also twist a small strip of foil around a bolt as a makeshift washer. Tighten the nut down and the foil works its way into uneven spots between metal surfaces.

32. Paint Brush Preserver

Painting a room or three? Instead of laboriously washing your brushes each night, just wrap them in foil and refrigerate. They'll remain soft and ready for further use for up to four days.

33. Cat Toy

Roll some foil into a small ball and teach your cats to play fetch (good luck with that, by the way). Attach the ball to a string and hang it from a door handle, and your kitty has hours of self-directed entertainment.

34. Rim Cleaner

If your car rims are full of brake dust, use foil and a little dish soap to remove the gunk and shine those puppies up.

35. Keep Batteries in Place

If the battery compartment is a little loose and the battery isn't always in proper contact with the connectors, pad out the spring side with some foil. The batteries will stay in place and keep a solid connection.

36. Photography Reflector

Fancy a photo shoot? Covering a piece of cardboard with foil gives you an excellent reflector to give your subject the perfect lighting.

What uses do you have for this shiny stuff?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

25 Ways to Be a Better Person Today

Nora Dunn — Wed, 31 Aug 2011 10:36:16 +0000

I recently came across five principles for living well. They are:

Today — do not be angry.
Today — do not worry.
Today — be kind to yourself and others.
Today — be honest to yourself and others.
Today — work diligently.

– Usui Sensei, 1865-1926

On the whole, these principles would make you a better person. But they're a bit intangible, and adapting them into your life right away could be overwhelming. What I like about them is the focus on today — just today. There are so many things we can do just today that can inspire some amazing life changes. Changes that will not only make you a better person, but can enrich your life, save you money, help others and the environment, and instigate a true sense of happiness. (See also: 44 Ways to Improve Your Health and Happiness)

Here are 25 practical ways to apply the above principles and be a better person — today.

Say thanks — and mean it. (Here are 25 really nice ways to do just that).
Smile at a stranger.
Learn to lean into vulnerability and express your true self. (Watch this video as an inspirational primer).
Perform one senseless act of kindness per day.
Take a sabbatical and learn something new about yourself in the process.
Do something you've never done before.
Set goals wisely — and reward yourself for making progress.
Start a conversation with a random stranger (in line at the grocery store for example).
Create a vision board to visualize — and achieve — the life of your dreams.
Help somebody.
Reflect on the amazing moments in your life, and figure out how to replicate them.
Be 100% honest for an entire day.
Be generous — but not to your own detriment.
Express disagreement towards injustice.
Learn something new. For example, learn how to change your life and design the lifestyle you want.
Interact with nature. Go for a walk using all your senses, start a garden, or just admire a beautiful sunset.
Have fun with a brainstorm session of 100 ways to change your life in 20 minutes.
Cook a meal for somebody.
Save money. (Here are 37 ways start saving today).
Try letting somebody in line in front of you or driving consciously and kindly, and see if it actually makes you late. (You might surprise yourself).
Give your kids a leg up in life and make finance a family affair.
Learn about a worthwhile cause, and get involved.
Choose three ways to be nicer to the environment and implement them. (For example, reduce your standby power consumption, make your office green, start a coffee cup revolution, or conserve water).
Create your own definition of financial freedom, and inject a dose of passion into your budget.
Regain your youth, and play with some children.

This is just a start. How can you become a better person today?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

37 Savings Changes You Can Make Today

Nora Dunn — Mon, 25 Jul 2011 10:36:06 +0000

Making changes to your savings plan is about so much more than deciding where to save your money and how much to put away. You can save money by not spending it (yet not losing out or making undue sacrifices), by spending wisely, by becoming more aware of where your money goes, and even by making more money.

Here are 37 ways you can make positive changes and save money — today. (See also: 25 Frugal Changes You Can Make Today)

Changing the Mechanics of Saving

1. Apply your latest raise entirely to your savings. You (hopefully!) managed to get by before you got the raise, so take the after-tax increase in your pay and sock it away.

2. Join company savings plans. Some allow you to save money from your gross pay before tax is deducted (allowing you to effectively save more money without feeling the pinch), and other company plans offer matching benefits. Always save the maximum amount you can that is subject to matching grants; it’s like free money.

3. Review your asset allocation plan to ensure your savings are all going to the places you need — and want — them to go.

4. Set up an automatic savings plan.

5. Reevaluate your savings objectives (Why are you saving? When will you need the money?) to ensure you’re on track to reach your goals. Tweak as necessary.

6. If you have a variable or unpredictable income, employ a savings technique that works with it.

7. Move excess funds in your bank account to a high-interest savings account. This earns your money a more respectable amount of interest and also helps with discipline against impulsive withdrawals or debit card spending.

Save Money Around the House

8. Reduce your power bills.

9. Rekindle the art of reusing stuff.

10. Conserve water.

11. Use your oven efficiently.

12. Employ money-saving household cleaning hacks.

13. Use multi-purpose household items instead of specialty products. Stock up on vinegar, mouthwash, powdered milk, and toothpaste for starters.

14. Saving money by making more (with creative recycling techniques, for example).

15. Renegotiate your bills and services, including phone, cable, internet, and your credit card interest rates.

16. Make a disposable razor last six months.

Saving Money on Vacation

17. Buy souvenirs strategically.

18. Use frequent flyer miles to save money on flying for your next vacation.

19. Save money by getting the best deal on airfare — even after you buy your ticket.

20. Get free upgrades and travel in style.

21. Don’t waste money on passport pictures.

Credit and Debt Savings

22. Transfer high-interest debt (like credit cards) to lower interest debt (like a line of credit). Make sure you keep up the same payments to clear up the debt faster.

23. Freeze your credit cards — literally.

24. Pay down your consumer debts. If you’ve accumulated high-interest debt and can’t pay it all off but you are still saving money, consider temporarily reducing the money you’re saving in favor of paying off the debts (which are surely at a higher interest rate than your savings are). But don’t forget to…

25. Increase your savings amounts once you’ve paid down debts. (You’re used to living without the money anyway…save the difference).

26. Think of your credit card as a glorified debit card. This way you’ll spend within your means but also enjoy some of the advantages of credit card usage, including frequent flyer miles.

27. If you’re paying for credit card insurance, don’t.

Saving While Shopping

28. Reconsider that impulse purchase.

29. Use some savvy shopping strategies at the supermarket.

30. Ask for a discount. No really, just ask.

31. Before you replace that broken item with a new one, make sure it’s not covered under some sort of warranty, even if you don’t have the warranty slip. (See above about simply asking).

Savings for Family and Life

32. Start a gift calendar so happy occasions don’t turn into sad, unexpected spending sprees.

33. Start tracking your expenses to determine how (or if) you could save more money.

34. Consider selling your car and investing in an auto share program.

35. Involve the kids in your savings plans and budgeting. With them in the know, you can all work together to stay on track and save money.

36. Find a financial planner who can knowledgeably help you navigate your savings, debt management, insurance, tax planning, and estate planning. If you have a financial planner but aren’t sure they’re up to snuff…

37. Consider firing your financial planner.

What savings changes can you make today?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Massive List of Things to Do While Watching TV

Nora Dunn — Wed, 06 Jul 2011 10:36:32 +0000

Even the most riveting TV shows plague you with time-sucking commercials every few minutes, and very rarely does any TV-watching session require all your brain power or leave you feeling truly satisfied or productive. Here’s a massive list of things you can do while watching TV (and some more concentrated activities that you can fit in during the commercials) that will keep you productive, fit, balanced, and moving forward in your life. (See also: 8 Alternatives to Cable TV That Will Keep You Entertained)

Snuggle.
Organize and log your tax-deductible receipts.
Open your mail.
Organize dresser and kitchen drawers — one at a time.
Pay bills.
Water the plants.
Play with pets.
Write a letter to somebody you haven’t been in touch with for way too long.
Arrange flowers.
Mend holes in your clothing.
Make use of your mismatched socks.
Sharpen knives.
Make a cork board.
Make — and enjoy — your own hot pack.
Clip coupons.
Organize CD and DVD collections. (Do your DVDs and CDs end up in the wrong cases? Now is your chance to fix it).
Stretch.
Groom pets.
Give yourself a manicure and/or pedicure.
Create a vision board.
Plant a window-box herb garden.
Soak your feet.
Defrag your computer.
Forward this post to somebody who watches too much TV.
Ponder 100 ways to change your life.
Make this year’s Christmas presents.
Clean out your purse.
See if you can actually prepare a meal just as quickly as they’re cooking it on the cooking show you’re watching.
Rearrange your furniture.
Breathe.
Lift weights.
Twitter.
Clean your plant’s leaves (using powdered milk, banana peels, or mouthwash).
Brainstorm.
Give (or get) a massage.
Wax your legs/arms/etc.
Vacuum.
Scrub coffee stains off your mugs with baking soda.
Prepare lunch for the next work day.
Revamp your LinkedIn profile.
Make lists.
Flip through magazines.
Drink water.
Eat a meal.
Write out grocery lists.
Accumulate frequent flyer miles for your next vacation.
Exercise.
Play with social media.
Have a laptop handy to research quirky concepts that you see on TV.
Tweak your resume.
Research your next vacation.
Prepare a meal.
Sort through photographs.
Arts and crafts.
Write to-do lists.
Polish the silverware.
Journal.
Water the plants.
Make a scrapbook.
Ironing.

Here are some more bite-sized tasks you can take on during the commercial breaks. In some cases, using the commercials to time these activities (like sit-ups) can make them more palatable and reduce the discipline required.

Wash dishes.
Clean the house — two minutes at a time. (See if you can get a whole room done by the end of your show).
Meditate.
Alternate doing sit-ups and push-ups constantly through each commercial break.
Read.

Finally, I asked people on Facebook and Twitter what they do while they watch TV, and here are a few of their responses:

Eat popcorn.
Crossword or Sudoku puzzles.
Knit.
Facebook.
Play with iPhone.
Make out.
Answer emails.
Surf the web.
Throw a ball for the dog.
Think about how the TV show could have been written better.
Contemplate how to get back that time later.
According to my wife, mostly snore.

And my favorite:

Um…watch TV????

What do you do while watching TV?

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Fee Fighters: Fighting for Low Credit Card Processing Fees

Nora Dunn — Fri, 01 Jul 2011 09:48:15 +0000

Does your freelance business (or eBay or Etsy account, etc.) accept credit cards, or are you looking to incorporate credit card processing into your business practice soon? Have you turned selling stuff into a viable business that's ready to go to the next level? If so, Fee Fighters is a free service you might want to know about that can advocate for you and get you the best deal with credit card processors. (See also: 250+ Tips for Small Business Owners)

How Fee Fighters Works

After inputting some basic information about your business and credit card processing needs, Fee Fighters presents you with a list of competitive “bids” on their auction marketplace from their roster of vetted credit card processors vying for your business.

And the bid price is the final price, so you can safely compare apples to apples without worrying about statement fees or other extras after the fact. You can also scour the fine print by viewing contracts, and you can anonymously ask questions of the bidders to clarify your needs and terms. The idea is to keep high-pressuring salespeople out of the picture so you can make a decision on your own time.

Fee Fighters claims that their comparison search engine can save businesses an average of 40% on credit card processing fees, and they’ve helped over 15,000 businesses compare their credit card processing rates so far this year.

Although you can find reviews of credit card processors at sites like Top Ten Reviews and Third Party Processors, Fee Fighters is the only service of its kind.

"There aren't any that do quite what we do. There are some others that take your information and immediately sell it to credit card processing companies that pester the crap out of you. What we do is very different and was very hard to build... We don't expect any competition to arise in the near term," says Sheel Mohnot, VP of Marketing at Fee Fighters.

Processor Vetting

Fee Fighters requires credit card processors to become certified to their standards before they allow them on the marketplace to bid for your business. The terms include no hidden fees, rate hikes, or cancelation fees, and they’re audited monthly for compliance.

They’ll Advocate For You

A very powerful example of how the folks at Fee Fighters are willing to go above and beyond the call of duty for businesses is in how they helped a coffee shop owner navigate a very sticky situation with a few credit card processors and shady salespeople, and set her up with a new processor that saved her $7,000 in expenses and over 40% off her credit card processing fees. They even helped her recover an unexpected $1,000 termination fee from her old processor. The story is very compelling and can be read in full on the Fee Fighters site.

From a business standpoint, this speaks well to me. So many online services begin and end with the online experience, but Fee Fighters has live chat available, as well as a phone number you can call that a real person will answer. And in chatting with the folks at Fee Fighters, they assured me that the level of service they extended to the coffee shop owner above is available to anybody who needs it.

Why does Fee Fighters go above and beyond to advocate strongly for business owners? Partly because they only get paid once a deal is struck between the business owner and credit card processor. (It's like a finder's fee payable by the processor.) When pressed for reasons why they will help even beyond brokering a deal, Mohnot implied that we're all the same boat. "Frankly, we know what it's like to be a small business. We try to save any place we can and we know merchants...do the same."

Credit card processing is increasingly important for businesses to offer, especially if they’re location independent, since it increases options for receiving online payments. (Check out other tools for running your location-independent business, as well as these essential services for the road.) Heck — as a consumer I use my credit card for everything, so I’m much happier if I’m dealing with a happy vendor who isn’t being fleeced with credit card usage fees.

So if you’re new to the business of offering credit card processing, if you want to cross-check the fees and service you are receiving against what’s out there, or if you’re in a bind with your credit card processing and need help, Fee Fighters could be just the thing you need. Oh yeah — and it’s free.

Written by Nora Dunn and published on Wise Bread. Read more Entrepreneurship articles from Wise Bread.

How to Get the Lowest Price on Airfare, Even After You Buy

Nora Dunn — Tue, 14 Jun 2011 10:00:25 +0000

As much as being a full-time traveler might sound glamorous, I spend a lot (I mean it! A Lot) of time researching the best way to get from A to B, and the cheapest way to book it. And as somebody who’s always on the hunt for the best deal, I often get “click paralysis” when it comes to clicking on the big final ominous “Purchase” button, fearful that I’ll find a way better deal as soon as I commit. (Yes, it has happened before).

Booking airfare in particular seems to be an area mired in confusion, changing rates, and endless schemes. From cookies being buried in your browser that raise the rates every time you perform the same search, to having to search at Tuesday at midnight to get the “best rates,” it seems that we have to contort ourselves into these awkward positions to get a decent price.

Wives tales and rumors abound about getting the best rates; the next thing you know we’ll be told that we have to eat only spinach for two days and perform a search while standing on one foot and listening to classical music in order to get the lowest price on airfare. I mean, really.

Despite my little rant here, I recently found a few free sites that ease the pain of booking airfare and helped me get the lowest price. Not only were they instrumental in my finding the best rates for my recent booking of a trip from Toronto to Florida, but I got the peace of mind in knowing that if those rates go down, I’ll get a refund.

Yapta

Did you know that some airlines will give you a refund if the price goes down even after you buy your ticket? Yapta knows.

Yapta specializes in tracking flight prices, both before and after you buy. It’s a fairly user-friendly site with a standard search engine. You can track the price changes (and you register with only your email, first name, and a password), receiving emails with weekly summaries, as well as special alerts when prices go down. (My only beef with this widget is that it tracks only the specific flights you enter, so if your plans are flexible you have to enter many possible flights to track them individually.)

Yapta’s big claim to fame is that they help you get a refund on the difference if your flight goes down in price after you buy. With an easy tracking system and even pre-populated forms to submit to the airlines, it’s simple to track flights and to apply for a refund.

Be warned though, only a handful of airlines have formal refund policies if the price goes down after you buy a ticket, and oftentimes the price difference needs to be above a certain dollar amount (eg: $75 or $150). For long-haul flights though, I can see value in using Yapta to track prices. And although there’s value in choosing an airline with a refund policy, it never hurts to approach an airline without one and to ask for a refund on a price difference. This applies to airlines and retailers alike; you’ll never know if you don’t ask.

FareCompare

As another airfare comparison search engine, FareCompare works almost the same way. I enjoyed reading their take on the best times to buy flights, and it has lots of gee-gogs that Yapta doesn’t have. For example, you can use a map to see where you can go given your travel budget, or you can search flights for price-per-mile (for people wanting to get the most distance for their airline dollar — great if you’re on a frequent flyer mile run).

Other than these great little search features and a useful collection of articles and tips on when to buy/where to fly etc, I found using FareCompare to be considerably less user-friendly than Yapta when it comes to the brass tacks of tracking flights. I could enter an email address to track flights, but I didn’t seem to get tracking emails regularly, and navigating the flights I was tracking on the site itself was cryptic.

But as a well-rounded search engine and educational resource for booking flights, FareCompare stands its ground for me.

Kayak Explore

The one downfall of both Yapta and FareCompare is that in order to track flights, you need to know where you’re going! KayakExplore has little to do with tracking airline prices, but may be a fun way to choose a destination. You enter your starting point, and can filter results by selecting maximum price points, countries/continents you’d like to visit, flight times, stuff you’d like to do, and even the weather you want (from “Freezing” to “Hot”, and even “Ouch”)!

Tips for Getting the Lowest Price on Airfare

Getting the lowest price on airfare is no small task, and something that can suck you into countless (fruitless) hours online. I speak from experience, as the queen of spinning my wheels yet getting nowhere. “Click paralysis” is my nemesis. Here are a few tips to help you book your next flight with confidence.

Act fast. If you get an alert that the price has dropped, jump on it. Price drops can last as little as a few hours, depending on how many seats they release at the lower price and how popular the route is.

Buy at least 7 days in advance. I’ve been burned by this before; cheap last-minute flights are non-existent (or at least, not to be counted on). As soon as you get to less than a week from departure, the price skyrockets. My flight to Florida went up 25% overnight between eight days and seven days before departure. (Thank goodness I bought my ticket prior.)

Airline’s don’t refund with cash. If you can convince an airline to give you a refund on the price difference, don’t expect cash. Instead, you’ll receive a credit or voucher with that airline for future travel. Also, beware of processing fees, which not only detract from the refund amount, but are often paid out-of-pocket.

Stop searching after you book. Once you’ve bought your ticket, do yourself a favor and stop searching. If you’re like me, you researched and researched your options before you bought, and you’re not likely to find something wildly cheaper afterwards. (And if you do, you’ll only beat yourself up for finding it too late.) By tracking your flight prices with a tool like Yapta or FareCompare both before and after you buy, you can rest assured that you’re likely getting the best prices available.

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Book Review: The Ultimate Tech Guide for Travelers

Nora Dunn — Tue, 10 May 2011 09:48:15 +0000

It’s no small job to manage technology while traveling; you face challenges like choosing the best machine for your needs, backing up your data, staying connected, and finding the best (free) software to keep it all running smoothly.

I’ve been traveling for four years now, and in that time I’ve cycled through numerous different computers, gadgets, software programs, and backup methods. I’ve trialed through ways to stay connected and other hacks to save money and increase efficiency. (See also: Comparing Online Backup Services)

One of the challenges for travelers is not only protecting your computer and data against hijackers, but also against theft, wear and tear, and even loss. Then there is the added work of finding (inexpensive) ways to phone home, backing up your data (and protecting those backups), and choosing the right tech-gadgets to complement your travel style.

As a full-time traveler with an umbilical cord to my laptop, I am always looking for the best way to manage these facets of my business/social/logistical cyber-life.

That’s why I was keen to read fellow full-time traveler and former (white collar) computer hacker Anil Polat’s The Ultimate Tech Guide for Travelers. This e-book narrows a lot of learning curves that I’ve personally navigated (the hard way), as well as a few I still hadn’t attempted.

But you don’t have to be a full-time traveler to glean knowledge from this e-book; in fact, much of the content is fully applicable even if the only travel you do is out to the local café.

Book Overview

This 40-page e-book is packed with information to help you harness any electronic device to do just about anything you need it to. It is filled with links to complementary online articles and tutorials, which turn this 40-page handbook into something more like a 400-page behemoth.

And in the name of frugality, almost all of the software recommendations are free.

Sections and Key Takeaways

Here are the various chapters, with a few tips I found particularly useful.

Choosing the Right Laptop

Anil sets out the criteria under which you would want a netbook versus a laptop and suggests money-saving tips for buying the right laptop for your needs.

Backing Up Your Data

Since my laptop is my only computer, I back up my data both physically and in “the cloud,” again protecting against the multi-faceted risks that travel presents. Anil creates a case for why you should do both and makes suggestions for how to do it fairly easily.

Free Software to Do Just About Anything

You’ll find recommendations for office software, photo editing, anti-virus protection, phone services, and translation programs. I was particularly interested to learn that I can make free phone calls to Canada and the US with Google Voice.

Staying Connected From Anywhere

This is about where — and how — to find WiFi connections (and even hack your way into a few connections), how to harness paid connections to their full potential, and how to increase efficiency of your online time by using offline programs.

Security

With Anil’s background in computer security, this is a beefy section covering password security, protecting information and recovering a stolen laptop, encrypting data, using internet cafes safely, and even using websites in countries that censor access.

Tech Tools That Save You Money While Traveling

You can trick your browser into giving you a discount and use proxies to trick websites into giving you discounts. There’s a large subsection on e-book readers and how to access discounted and free e-books.

Hacking Secrets for Savvy Travelers

This section covers things like keeping up with your favorite TV shows, creative ways to access and share internet connections, and harnessing your cell phone in a few different ways.

The last chapter also has a few tips for energy-efficiency that come in handy when access to power points isn’t consistent (as does happen while traveling).

What’s Bad About the Book

As a standalone e-book, there’s not enough detail here to get much of anything accomplished; it’s more of an overview. An internet connection is essential to either access the programs/websites in question (which is reasonable), or to get further information and more detailed tutorial articles on each subject.

In reading this book offline, I had to make notes of the pages for revisiting so I could click on the links to get the full story. Although all this extra information adds value, I found the internet reliance to be a hassle.

What’s Good About It

What’s bad about it is also what’s good about it. If you have unmitigated access to the internet, this e-book is a very detailed and thorough map to research and accomplish a massive series of tasks geared towards harnessing technology to suit your travel needs and preferences.

The Ultimate Tech Guide for Travelers

Cost: $37
Bonus: Six months free tech support from the author, and one year of free updates.
Guarantee: There doesn’t seem to be a money-back guarantee, but there is an assurance that you’ll save a minimum of $100 in computer, software, and gadget purchases in the first year.

Anybody who spends time on the road and is remotely reliant on the internet will find this e-book quite useful for safely managing technology.

Note: I received a complimentary review copy of The Ultimate Tech Guide for Travelers for review, and there are affiliate links in this post. I will earn a commission for any purchase made through these links.

Written by Nora Dunn and published on Wise Bread. Read more Travel articles from Wise Bread.

19 Money-Saving Uses for Mouthwash

Nora Dunn — Thu, 21 Apr 2011 10:36:12 +0000

Mouthwash is useful for so much more than just rinsing plaque away! When it was first invented, it hailed as a surgical antiseptic, and as such it has unique properties that can save you lots of money. So before you head to the store for an athlete’s foot treatment, sanitizer, or astringent (or over a dozen other things), check out this list to see how you can replace them with mouthwash. (See also: 15 Wonderful Uses for Witch Hazel)

Note: For almost all the tips here, you want to use mouthwash that is alcohol-based (that’s one of the secret ingredients), and in most cases without sugar.

Health and Beauty

With its antiseptic properties, mouthwash is brilliant for cleaning and light medical uses. It's also great for travelers, since it's so multifunctional. Check out these creative uses for mouthwash that will keep you fresh — in more ways than one.

Nail Fungus Eradicator

Nail fungus problems can make your toenails or fingernails thick and discolored, and once you’re infected it’s incredibly difficult to eradicate. Make up a 50/50 solution of alcohol-based mouthwash and vinegar, and apply to the affected area with a cotton ball (use a new one each time) two-to-three times per day. Be warned — nail fungus is stubborn….you won’t likely see results for at least a few weeks.

Bruise Treatment

Did you go bump in the night? Waiting for a whopper of a bruise to appear? Rub some mouthwash on the affected area, and you can save yourself from a gaudy bruise (or at least reduce the appearance of it).

Poison Ivy Treatment

Stop scratching! Instead, apply some mouthwash, and not only will it relieve the itchiness and inflammation of a poison ivy attack, but it can also dry up the area and begin the healing process.

Hand Sanitizer

I once had a hand sanitizer that came in a small spray bottle, which I treasured for its convenience and sanitary properties. I’ve been searching (unsuccessfully) for a replacement ever since. Now I just use mouthwash, and I can freshen up any time. It’s also great for cleaning the kids’ hands in a pinch. (Again, make sure it’s alcohol-based and sugar-free, otherwise you’ll be a sticky mess).

Deodorant

Mouthwash makes an easy substitute deodorant in a pinch, with its bacteria-killing properties. Be warned though — if you just shaved your armpits, applying an alcohol-based mouthwash will sting!

After-Piercing Care

Part of the after-care process for tending to new piercings (or even caring for older ones that have become infected) is to apply a special disinfectant solution twice daily. Why not use mouthwash instead? Mouthwash is (obviously) especially handy in healing a tongue piercing.

Athlete’s Foot

In the same way that mouthwash treats nail fungus, it acts as an antiseptic for athlete’s foot. Soak a cotton ball in mouthwash and apply twice a day. You know it’s working if it stings a bit, and you should see positive results in a few days.

Foot Bath

Even if you don’t have athlete’s foot or some pesky fungus to tend to, soaking your tootsies in a mixture of mouthwash and water can refresh and soften them after a long day on your feet.

Garlic-Odor Killer

It would be stating the obvious to suggest that mouthwash — in your mouth — eliminates garlic odor. But it can also take care of the smell of garlic on your hands after you’ve handled it. Just pour some on your hands, rub them together, and let them air-dry.

Facial Astringent

Apply mouthwash (again, make sure it’s alcohol-based and sugar-free) to a cotton ball and wipe on your face after you’ve used your normal face wash. Rinse with water afterward, and you’ll have saved yourself the bulk — and cost — of a fancy facial astringent.

Clean Cuts and Scrapes

Remember, mouthwash was first used as a surgical antiseptic before people figured out its mouth-washing properties. Apply some mouthwash to your boo-boo, dry, and dress it with a bandage as necessary.

Dandruff Treatment

Not into expensive specialized dandruff shampoos? After shampooing, try rinsing your hair with a 50/50 mixture of mouthwash and water (1/2 a cup of each will do). You may have to repeat this process a few times to eradicate the dandruff completely. Bonus — your hair will smell minty fresh.

Around the House

Mouthwash cleans, sanitizes, and even revives. Here's how you can make good use of it around the house.

Keep Cut Flowers Fresh

By mixing two tablespoons of mouthwash per gallon of water and filling your flower vase with this mixture, your cut flowers will last longer (by killing the bacteria that accelerates decomposition).

Glass Cleaner

Apply mouthwash to a damp cloth and go to town on glass surfaces. Dry with a cotton cloth.

Computer Screen Cleaner

As long as your computer screen is glass (DO NOT use this technique on LCD screens!), you’ll save mad money on specialty computer screen cleaners by simply using the technique above to remove smudges and computer dust.

Laundry Sanitizer

In the same way that mouthwash removes bacteria from your mouth, you can remove it from your laundry as well. Add one cup to the regular cycle of a full load of laundry (make sure the mouthwash is sugar-free and alcohol-based).

This is especially handy for those stinky gym socks; mouthwash kills all the bacteria that is sometimes left behind in a regular wash.

Toothbrush Cleaner

Mouthwash cleans your teeth; why not your toothbrush as well? A rinse with or dunk in a cup of mouthwash before brushing will ensure your toothbrush is clean and free of the bacteria hanging around your bathroom. Eeeww.

Toilet Cleaner

Out of toilet bowl cleaner? No problem. Just pour a cup of mouthwash into the toilet, let it sit for half an hour, and give it a swish with the toilet brush.

Plant Rescue

A mixture of 25% mouthwash and 75% water sprayed onto your plant leaves rescues them from mildew and fungus. Don’t do this more than once per week, though.

Do you enjoy having items in the house that serve many purposes and save you money? Then check out these articles on how to make good use of vinegar, toothpaste, and even banana peels.

Written by Nora Dunn and published on Wise Bread. Read more articles from Wise Bread.

Alternatives to Flying: Other Ways to Get From Here to There

Nora Dunn — Mon, 28 Mar 2011 11:00:17 +0000

With the advent of budget airlines offering unbelievably low airfares and our maniacal desire to get from A to B as quickly as possible, flying is usually the only option we consider when traveling. But there are alternatives to flying — ways to get from here to there that might actually save you time and money.

Flying Myths

Perhaps flying is your go-to travel option because you assume that it's the best way to travel. Let's tackle some of these flying myths.

Myth #1: Flying Is Faster

Although your actual flight time might be a few measly hours, how long does it take you to get to and from the airports on either side? How far in advance of your flight do you have to arrive to navigate the long check-in and security lineups? And how long do you wait for your luggage to arrive on the conveyor belt (accompanied by profuse sweating and a series of please lord, let my bags have made it on the plane with me mantras)?

The last time I flew, my three-hour flight was actually a ten-hour exercise from door to door. And everything went smoothly; imagine how much longer it would have been if there were delays or complications (as there so often are).

Myth #2: Flying Is Cheaper

Boy, you can’t beat those budget airline prices. Or can you? Keep clicking through the check-out screens online, and soon enough you’ll have doubled or tripled (or more) the initially quoted price after you add in various airport taxes and fuel surcharges, additional costs to check your luggage, and the price of any food or drinks you purchase on-board (or before). Budget airlines make their money on these incidentals, and — worse yet — catching you with luggage that’s slightly over the weight restrictions then levying steep penalties.

Next, you must factor in the cost of getting to and from the airport which either involves the cost of gas and parking, or the airport bus or train. None of which is cheap.

Myth #3: Flying Is Healthier

Okay, I don’t think anybody could argue that flying is a healthy way to travel. You’re filed into a carpeted tube with dozens (nay, hundreds) of other people breathing recycled air. If one person is ill, chances are you will be subjected to their germs.

Even if you can stave off illness, you’re at risk for cramping and circulation problems from sitting in such a small space for long periods of time, and I don’t believe that transporting between time zones with no way for the body to adjust is particularly healthy. Jet lag is a perfect example of how hard flying can be on our bodies.

Alternatives to Flying

Having said all this, sometimes flying is unavoidable. It’s still the most logical and effective way to navigate really long-haul travel over oceans and between countries over long distances (and if you’re smart and do it with frequent flyer mile strategies, it doesn’t have to break the bank). But if it isn’t entirely necessary for you to fly, check out some of these alternatives.

Car

An obvious option is to hop in your car or get a rental car, travel at your own pace, and have wheels to get around at your destination. But be aware: in addition to the obvious costs of driving (gas, insurance, and rental charges if applicable), other expenses of taking the car (like wear and tear,repairs, and parking) can throw your travel budget off-line.

Let’s explore some alternatives to flying (and driving) that are a little easier on the wallet – and the environment.

Car Pool

People have been car pooling to work for ages now, so why not expand on the concept? With various car pooling (also known as ride sharing) networks and websites, you can find somebody going your way with whom you share the driving, cost of gas, wear and tear, etc. You even have built-in company for the ride, and possibly a new friend or two out of the deal. You have less freedom in making stops along the way than if you drive yourself, but more freedom than you would with public transportation.

It pays to do a little due diligence in finding a ride, such as planning to meet in a public place before you hop in the car destined for horizons unknown, and letting a friend or family member know where you are headed. As an additional security measure, in using some of the larger car pooling services like eRideShare, you can correspond with your potential ride without giving out your personal information.

Bus

Long distance bus travel is far from luxurious, but with more and more bus services providing free wifi on-board and more comfortable seats, it’s not a terrible way to go.

Most bus stations are centrally located in town (hence, no need to hoof it out to a remote airport), and you can arrive half an hour in advance of your departure and still get a good seat. You can pack as much into your luggage as you wish (within reason), and rest assured that it’s along for the ride.

Buses also make regular rest stops for you to stretch your legs and grab a snack if you wish. And if you’re on a budget, you can’t argue the price of taking the bus.

Boat

If there’s a big body of water between you and your destination, your only option other than flying is to take a boat. Short hauls (journeys up to about 24 hours) can be easily navigated by ferry, and are often both reasonably priced and comfortable.

Longer journeys such as overseas travel can be accomplished by taking an ocean-liner cruise (which is super expensive, but luxurious), or freighter. Although you might think that hitching a ride on a cargo ship would be inexpensive, it doesn’t measure up in comparison to flying. At $90-130 per day — and most overseas trips lasting between two weeks and two months — it’s not cheap, but the journey is an experience in and of itself, especially if you like being on the high seas.

Here’s a website with a few freighter travel resources to get you started.

Train

Train travel is my favorite way of getting from here to there, hands down. Having grown up taking the train 400 miles from Toronto to Albany NY every summer to visit my grandparents, the long journeys have embedded themselves fondly in my memory.

Similar to bus travel, you’ll find train stations centrally located, and rarely do you encounter luggage restrictions or complications. The price quoted is the price quoted, and depending on the route you can sometimes get wifi access on-board.

Trains have a few additional advantages over buses; more often than not there’s ample leg-room and comfortable seating, you can get up and walk around, and there are usually power-points available to charge and operate any electronics you have with you. These perks create a more luxurious and relaxed pace to the journey, which to me is well worth any extra cost over taking the bus.

Not only that, but because of the relaxed and generally comfortable style of travel that the train offers, you tend to meet and engage with interesting people enroute. Take my recent 11,000km journey across Australia and back as an example.

Your Overland Travel Resource

One of my favourite sites and an excellent resource for overland travel is The Man from Seat 61. In an effort to reduce his own reliance on air travel and illustrate the alternatives, this Londoner created a website demonstrating how to get from London to anywhere and everywhere — overland. His preference is for trains, but wherever there aren’t train routes, he shows how accomplish the travel task via bus and boat.

Since its humble beginnings over 10 years ago, Seat61 has turned into an award-winning worldwide resource with valuable information on trains, buses, and ferries. You can find out exactly what to expect from each “class” of travel, what the prices and schedules are, and how to get a good deal if there’s one to be had.

Whenever I travel (and for me, that’s a lot), Seat61 is my first point of attack in researching my options. Even if I can’t save time on the journey, I’m happy to take the train anyway; as opposed to flying, with the train I arrive relaxed, with a full immune system, and so many stories to tell.

Written by Nora Dunn and published on Wise Bread. Read more Travel articles from Wise Bread.

The Travel Hacking Cartel: Fly Around the World For Almost Free

Nora Dunn — Fri, 11 Mar 2011 12:36:09 +0000

As a full-time traveler, my total cost of living for 2010 was $17,000. This included well over $8,000 in flights (business class flights no less): return flights from New Zealand to Europe, various short flights around Europe, and four hops between Australia and New Zealand.

Of course, I didn’t pay anything close to $8,000 for those flights. In fact, my total cost of airfare (visiting nine countries) in 2010 was less than $2,000 — and that’s a generous estimate. (See also: Negotiate All Your Travel: The Ultimate Guide)

Travel Hacking

Please welcome in from stage left: Travel Hacking. This is the art of finding ways to accomplish your travel goals for less money than you might spend if you booked everything conventionally. Travel Hacks can include working in trade for accommodation, house-sitting, getting deep discounts or free upgrades on car rentals and hotel rooms, and — of course — finding ways to fly around the world for free.

Flying for Almost Free

Since flights tend to tax our travel budgets the most, then some of the most effective travel hacks are about finding ways to fly for less, and at best — for free. I've written about hitching a ride on an airplane with courier flights, but it seems to be a dying art, with increasingly fewer such opportunities available. But rest assured, there are other ways to take to the skies for less than the sticker price.

Frequent Flyer Miles: The majority of my $2,000 spent on flights in 2010 was a US Airways frequent flyer mile promotion that I took advantage of — a series of useful purchases I made which additionally earned me 150,000 frequent flyer miles. It was enough to book a chunk of the $8,000 in flights I took last year. (And let me tell you: after my long-haul business class experience, I’m not sure I can go back to economy again).

Using Miles for Business Class vs. Economy: You may wonder why a Professional Hobo like me would splash out on long-haul business class flights, when I could have stretched those same miles towards double the number of flights in economy class.

In fact, one of the travel hacks I learned while accumulating my frequent flyer miles is that you get the most bang for your frequent flyer mile buck by using miles for long-haul flights — in business class no less. On a dollar-to-mile basis (and when you’re accumulating hundreds of thousands of miles, valuation becomes important), business class flights win hands down.

Learning from a Travel Hacking Expert

Chris Guillebeau is a majority of the way through a major goal of his — to visit every country in the world within five years. Coupled with a book tour that recently took him to every U.S. state and Canadian province, this guy flies. A lot. But he never pays the sticker price for a flight. Ever.

If you're interested in replicating his successes, Chris has formulated an accessible strategy for anybody with 30 minutes per month to dedicate to the process.

The Travel Hacking Cartel is a monthly subscription service that Chris Guillebeau (a formidable entrepreneur who I’ve written about before) has recently launched to make the world of free travel accessible to everybody. Members of the cartel are guaranteed to benefit, literally; Travel Hacking Cartel members receive a guarantee that they’ll earn enough frequent flyer miles for at least one (domestic) flight per quarter — that’s 100,000 miles per year — simply by following the Deal Alerts and spending at least 30 minutes per month applying the tips provided.

The Travel Hacking Cartel

The main feature of the program is a series of Deal Alerts that are sent to you via email and/or SMS. These Deal Alerts advise you of new promotions, spelling out exactly what’s required to earn miles. In addition to frequent flyer mile-based alerts, I’ve seen alerts for free stays at the Best Western, free iTunes downloads, and even an alert about a “mistake airfare” of $294 for a return flight from Houston to London.

There’s also a Knowledge Base in which Chris answers cartel-member questions, and a Video Tutorial section in which Chris explains (and often illustrates with screen shots) various concepts and how to achieve certain travel hacks.

Many of the Travel Hacking Cartel concepts are about more than just flying. For example, Chris discusses alternative lodging options (for budget travelers), $9 car rentals, and how to effectively hack Priceline to get nice hotel rooms for a fraction of the going rate.

Things I’ve Learned From the Travel Hacking Cartel

I’ve had a chance to experience the Travel Hacking Cartel as a member for the last month. And as a full-time traveler, I’m already an expert of sorts on hacking my way to inexpensive travel. But even I gleaned a few pointers, such as:

How to earn miles with one airline and book higher-value rewards with another (better) airline
Saving miles when booking low-value domestic flights, instead paying with cash and accumulating miles for higher-value flights
Getting cheap accommodation in university dorm rooms when school is out of session
Arranging free stopovers on long-haul flights (unfortunately Chris doesn’t say exactly how to do this)
Using special tools to view Star Alliance availabilities and hack the system to find out what the operator can’t — or won’t — reveal
Booking RTW tickets with frequent flyer miles

It’s Great, But…

One of the advantages of the Travel Hacking Cartel (which is a monthly subscription service) over a fixed e-book with similar pointers like Frequent Flyer Master is the Deal Alerts in which members are promptly alerted of new travel hacks that are constantly becoming available.

But as somebody who isn’t a U.S. resident, I’ve not been able to take full advantage of the Deal Alerts, which cater largely to the U.S. market. This is because most frequent flyer mile programs originate from U.S. airlines. Canadians like me can get in on some of the action, but only to a point. And although there are deals for other international members (for example, I saw a great Deal Alert for Australians through Quantas), it’s frustrating to have to pass on so many juicy Deal Alerts.

Still, Chris figures that about 50% of the Deal Alerts are available to international members, and regardless of where you live, the guarantee applies: if you spend 30 minutes per month on the program and don’t manage to earn at least 25,000 frequent flyer miles per quarter, the onus is on the Travel Hacking Cartel to deliver.

Secondly, I wish that the tutorial videos were downloadable, since I’m not always near an internet connection, and when I am I don’t usually have the time or wherewithal to stream videos.

Lastly, I don’t stay in a lot of hotels, and some of the Deal Alerts are for hotel stays and hotel reward programs. Other members who don’t stay in hotels frequently might not see as much value in these alerts as a regular traveler or business traveler might. Even if staying at a hotel isn’t necessary for the accumulation of points, some of the smaller bonuses for membership programs I doubt I’ll ever use seem too much of a hassle to bother with.

Reasons to Join the Cartel

Having said what I’m not thrilled about with the Travel Hacking Cartel, I must also admit that membership has already been of value to me. I’ve successfully taken advantage of two of the deal alerts, which should net me about 35,000 frequent flyer miles — more than enough for a domestic flight, or a good portion of the way towards my next long-haul business class flight.

And when it comes to researching frequent flyer mile deals, I’m actually pretty lazy. I don’t have a constant internet connection or an ability to spend a lot of time online, especially to research something like frequent flyer miles ad nauseam.

So although I could hack my own way to finding the promotions listed in the Deal Alerts by lurking frequent flyer mile message boards and traveling up the learning curve myself, the Travel Hacking Cartel is perfect for people like me who don’t have the time or wherewithal to do this grunt work. In the name of outsourcing, I’d prefer to have my Deal Alerts sourced, vetted, and sent to me so I can focus my time on other ventures that net me a higher value for time spent.

Although Chris is far from the first person ever to hack his way to frequent flyer mile stardom, what he has done with the Travel Hacking Cartel is made it accessible to anybody who wants to easily replicate his success. And if you are serious about traveling and earning free flights, the cost of membership ends up being negligible.

Case in point: Chris recently used his miles to book $4,500 in business class flights to the Middle East for a whopping total of $84 in taxes. Enroute, he’ll layover in Heathrow and stay at the Sheraton airport hotel (airport hotels are convenient but notoriously high-priced). But he’s not sweating it: the $220 room is free with his Starwood points.

So if you want to travel in style and on the cheap like Chris does, all you have to do is join, spend at least 30 minutes per month reading and applying the knowledge and tips, and watch your frequent flyer mile account balances grow.

Travel Hacking Cartel Membership

As a monthly member, the Travel Hacking Cartel costs between $15-39 per month, depending on the membership option you choose.

No matter where in the world you live, or which membership option you choose, membership comes with a guarantee that you will earn at least 25,000 miles per quarter simply by spending at least 30 minutes per month on the program. It’s time (and money) well-invested, if your eyes are looking skyward for your next vacation.

Note: The author received a month of free membership to the Travel Hacking Cartel, and there are affiliate links in this post.

Written by Nora Dunn and published on Wise Bread. Read more Travel articles from Wise Bread.

Good Luck, Bad Luck: Who Can Tell?

Nora Dunn — Fri, 25 Feb 2011 12:36:12 +0000

Must the glass always be half-full or half-empty? What if there was a different way of looking at things entirely? A new perspective that eliminates the need to decide just how full the glass really should be? (See also: Be at Peace in Less Than 5 Minutes)

By way of illustration, here is a story based on an old proverb:

There was an old man who had a beautiful horse. This horse was not only his family’s pride and joy, but it was also a means to an income for the family.

One day, the horse ran away. Fellow villagers visited the old man to give their condolences for such a stroke of bad luck, as the loss of his horse represented a staggering financial blow that would be hard to recover from.

“Good luck, bad luck: Who can tell?” replied the old man. “It is as it is. My horse is gone.”

Perplexed at the man’s nonchalance towards the apparent tragedy, the villagers went about their business.

A few days later, the horse returned with a pack of 12 wild horses in tow. Again the villagers gathered, this time to offer their congratulations at such a stroke of good luck. Now he had 12 more horses with which to make 12 times the income! What a godsend, they said.

“Good luck, bad luck: Who can tell?” replied the old man again. “All I see is that 12 more horses have appeared.”

The next week, while breaking in one of the wild horses, the old man’s son fell and both his legs were broken. What bad luck! The villagers exclaimed. Your son has broken both of his legs. That’s terrible. How will you get your work done? You are too old to do it yourself.

“Good luck, bad luck: Who can tell?” was the (now predictable and equally frustrating) answer of the old man. “My son has broken his legs. That is all I know.”

Shortly thereafter, the government forcibly removed all the able-bodied men from the village, as the country had gone to war. The old man’s son, however, was spared since his legs were broken.

Good luck, bad luck: Who can tell?

…and on it goes. Don’t we tend to live our own lives careening from one “good luck” occurrence to another “bad luck” event? Maybe we could stand to take a dose of medicine from the old man in this story, simply observing the events in our lives for what they are instead of drawing grandiose conclusions about the ultimate karma or fate of what has happened to us.

Personally, I can recall many times when I wasn’t so level-headed about such matters. Here’s my own “good luck, bad luck” proverb:

Two years ago, I was volunteering in trade for my accommodation in Australia, in a little piece of paradise. My boyfriend at the time and I loved the area, and after about seven months we decided we’d love to stay a little longer than we had originally intended, but we also wanted to move on from our volunteer gig.

Shortly after we defined our intentions, a friend told us about a house for rent that was only $400/month. It was on a huge piece of land that was full of fruit trees, backing onto a beautiful mountain range. What luck! we exclaimed, and moved in.

Good luck, bad luck: Who can tell?

Two days after moving into the house, the Victorian bushfires hit the area, claiming thousands of houses and hundreds of lives in what was Australia’s worst-ever natural disaster.

We were evacuated from our new home for a month, surrounded by fires without even a way to get out of the country if we wanted one. Bad luck, huh?

Good luck, bad luck: Who can tell?

We sat on our hands while evacuated and wondered from minute to minute if our house was still standing (as the fires burned slowly across the beautiful mountains in our backyard). To keep ourselves busy and doing something constructive, we volunteered in the relief efforts.

The Canadian High Consulate and Australian Immigration got wind of the work we were doing, and as a thank you of sorts, extended our (rapidly expiring) Australian travel visas by another year and gave us working rights. Getting working rights was a huge coup, since my boyfriend didn’t have a location-independent career to travel with as I did, and he needed the money. What luck, huh?

Good luck, bad luck: Who can tell?

Once the fires were over and we had returned to our house (which was still standing), my boyfriend got a job. But as life takes its interesting twists and turns, it seemed that this new career of his, in addition to many other factors (too many to condense into this post) led to our eventual breakup. Bad luck, huh?

Good luck, bad luck: Who can tell?

So I embraced the world of solo travel. In doing so, I was contacted by a TV producer who was putting together a travel TV show that he asked me to host. This past September, we filmed the pilot episode in Paris and Nepal, and with any luck (Ha! There’s that word again), I’ll be spending a chunk of 2011 on the road with the show. This is an opportunity I wouldn’t have been able to take advantage of if I had still been with my boyfriend.

Will the show be good luck? Bad luck?

Who can tell?

I guess we’ll just have to wait and see.

So the next time you’re blown with a stroke of bad luck or blessed with a stroke of good luck, be careful about drawing too many stark conclusions about your situation. It could be good luck; it could be bad luck. Only time will tell.

Written by Nora Dunn and published on Wise Bread. Read more Personal Development articles from Wise Bread.

How to Sell Your Crap: A Book Review and Tips

Nora Dunn — Wed, 09 Feb 2011 10:48:12 +0000

Do you want to sell your crap? Although it may seem daunting at first, it’s cathartic and well worth the effort. Four years ago, I sold everything I owned to capture my dream of traveling the world with an open itinerary and no return date in sight. Today, I couldn’t be happier about that decision and how it all came to pass.

But one of the hardest steps in the process was actually getting rid of everything I owned. In reality, I didn’t purge absolutely everything: I have four boxes sitting in a friend’s garage (in addition to what I travel with, which all fits into a bag). These boxes now feel like time capsules, filled with items that I once deemed priceless or irreplaceable. After four years on the road I know I can easily live without these things, and to be honest I can’t even fully recall what’s in my precious boxes anymore. (See also: Small Space Survival Strategies)

Life without stuff is so much simpler.

Not everybody has such ambitious dreams of purging everything and taking off for greener pastures. Sometimes all that’s needed is a good spring cleaning, especially if you’re up to your eyeballs and drowning in "stuff." The popularity of reality TV shows helping people get rid of their crap is evidence that many of us get caught up in the impulse shopping and accumulation rampant in our society.

So are you drowning in crap? Do you need a little space in your life? And would you like to make some money from selling the crap you no longer need?

When I sold my crap, I didn’t have any help or guidance in so doing. Heck — I figured I was the only person in the world crazy enough to sell everything and travel the world full-time in the first place.

Interestingly though, my process of getting rid of everything I owned wasn’t far off from what Adam Baker recently did — and wrote about.

Adam’s recent e-book "Sell Your Crap" applies a science to getting rid of the excess baggage in your life and even helps you to profit from the venture. For the one purchase price, you get four separate modules, each serving its own purpose:

The Main Guide

This 67-page guide is your starting place, and it helps you differentiate between "stuff" and "crap." The guide makes a good case for why too much crap is bad, why we ultimately don’t need it, and the benefits of getting rid of it.

Figuring Out Perceived Needs vs. Real Needs

What do you need in life? I’ll bet if you look around you right now, you’ll see many items that you need — or at least think you need. Perceived needs and real needs can be quite different. But again, we’re conditioned to think we need more than we actually do. This is part of the reason selling everything can be so cathartic.

Through the main guide, you get tips on how to see your place with fresh eyes — and ultimately with an eye for decluttering it.

One of the tricks is to decide what you’re keeping, not what you’re getting rid of. Inadvertently, that’s exactly what I did; I knew I could only keep enough to fit into the corner of a garage, so I made all decisions accordingly.

Removing Obstacles to Decluttering

Although there’s some necessary tough love in "Sell Your Crap", Adam also understands how tough this process can be, emotionally and intellectually. Some of the obstacles he observes can include emotional attachment, the idea that we might need it later, or having an inflated sense of value (and inability to get what you want for the item because of it).

Getting Down to Business

The main guide is your starting point for selling your crap, and in getting down to business you learn how to separate everything into categories, then further break down each pile. By doing everything in organized batches, it’s much easier to accomplish what (at the outset) appears to be an overwhelming task.

Adam also provides practical tips for not slipping back into “binge” mode and retracing your steps by accumulating more “crap” later on.

I found the main guide to be quite motivational (heck, it even made me consider what’s in my bag and wonder if I could further downsize). And because Adam intersperses the practical lessons with personal stories, it’s an easy read.

Specific Modules

The other three modules in "Sell Your Crap" are very specific to selling your belongings using various methods. They are written from personal experience and outline (with screenshots) exactly how to use each marketplace to its full potential.

eBay Guide

This massive 171-page module is a truly comprehensive guide to navigating eBay from start to finish. I’d even go so far as to suggest that it’s also a great tool for anybody wanting to start a business that involves using eBay as a merchant tool.

In baby steps, you learn about:

How to properly set up your eBay and PayPal accounts
How to do effective searches
Research techniques
Calculating shipping costs
When and how to list items
Options for fees (and how to minimize them)
Creating effective and searchable titles
Photo and description strategies (with a 10-step formula for creating valuable descriptions)
Various types of auctions
Troubleshooting
Dealing with delinquent bidders
Canceling auctions
Tips for buying postage and tracking shipments

Like I said, it’s comprehensive.

I must admit, after somebody hacked into my eBay account and bought $8,000 in Halloween costumes, I lost my lust for eBay in an almost-impossible attempt to prove who I was and reinstate my account. But I also know that I’m in the minority in my dislike for eBay, and that many of my challenges arose from being out of the country and rurally situated at the time.

I must also note that most of the advice in the book around shipping options is very U.S.-centric, so international readers won’t get as much value from this portion of the module. Then again, most eBay users are located in the U.S., so I’m in the minority.

Craigslist Guide

When I sold everything, I heavily used Craigslist given its user-friendliness and local appeal. I liked not having to deal with shipping; instead Craigslist buyers usually pick up the items. This makes Craigslist a great forum for selling larger things like furniture.

The challenges of Craigslist (as outlined in this 49-page module) include lack of seller information, no PayPal links, limited geographic reach, and the need for more competitive pricing. Adam gives you the upper hand by showing you how to get noticed on Craigslist (hint: It’s all in your title).

Amazon Guide

Amazon is for the “big dogs," and unless you’re a “big dog,” you might get lost in the shuffle for the sheer number of sellers — and professionals at that, who can price you right out of the market.

But this 41-page module gives you a step up in the world of Amazon, suggesting that you’ll get the most success using it to sell media (books, CDs, DVDs, video games), and highlighting the benefits of not having to contend with online bidding processes and interact with buyers as much.

Priced at $37 for the “Barebones” edition and $47 for the “Clutter Crusher” edition (both coming with a guarantee that you’ll make at least $100 converting your clutter into cash, but the Barebones edition only includes the main guide and eBay module), "Sell Your Crap" is a great step-by-step guide to embracing the process of decluttering your life and even making a little money in the process. With the entertaining anecdotes and illustrative screenshots, it truly gives you everything you need to get the job done.

All you have to do is do it.

Disclaimer: The author received a complimentary copy of "Sell Your Crap", and there are affiliate links in this post.

Written by Nora Dunn and published on Wise Bread. Read more Organization articles from Wise Bread.