12 Money-Saving Tricks You Can Learn From Hipsters

Flickr/Joel Bedford

Flickr/Joel Bedford

Particularly if you live in a larger city, you’ve probably come across a few hipsters. These arty counter-culturalists tend to sport thick glasses, skinny jeans, and thrift-store inspired fashions. And, at least in the 20-30 year age group, they appear to rule.

I am not one of them. I don’t use an iPhone, I own absolutely no chic, nostalgic memorabilia and, rather than wearing skinny jeans and an ironic T-shirt, I’m often found wearing running spandex and compression socks — in public. I do, however, think that my outsider status allows me to have a more objective view of hipster culture, and I’ve noticed that when it comes to money, hipsters have some great habits.

Check out the top 12 ways hipsters stay frugal and ignore the status quo for spending in my new post on WiseBread.

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This One Ratio Is the Key to a Good Credit Score

Source: Lendingmemo.com

Source: Lendingmemo.com

A credit score is a bit like the Da Vinci Code; it’s a serpentine web of myth and mystery that’s hard to crack. But there is a Holy Grail of sorts here too. Of all the different factors that feed into your credit score, many experts believe that there is one factor that stands above the rest in keeping your score high. The fact that this one ratio is so important is a little counterintuitive, so simply understanding its importance can unlock the higher credit score you’ve been looking for.

So what is it? It’s called the credit utilization ratio. Learn more about it in my new post on WiseBread.

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Top 8 Ways to Get a Mortgage with Bad Credit

Flickr/TheTruthAbout

Flickr/TheTruthAbout

Perhaps you’ve fallen on hard times or made some financial mistakes. If you’re lucky, you’ve learned from those mistakes, and are on better financial footing. Even so, it can take some time for your credit score to reflect that, making it hard to get any kind of loan or mortgage. If you’ve already been turned down by your bank for a mortgage, you may not realize that it’s actually quite easy to get a loan when you have bad credit. The catch is that you’ll pay through the nose for it.

Getting a mortgage when you have bad credit means making some concessions in terms of the price of the home you buy and the interest rate you accept. Plus, if you want to stay on firm financial footing in the future, you’ll also have to make a serious effort to improve your score.

Check out a few options to consider in my new post on Dividend.com.

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11 Food Additives You’re Probably Eating Every Day (and What They Do)

Flickr/Michelle Tribe

Flickr/Michelle Tribe

My grandparents grew up in a time and place when they knew exactly where their food came from: their own backyard. That kind of transparency seems almost unimaginable to me.

The carton of milk I buy might have been sourced from hundreds — or even thousands — of animals. The apples I carefully select tell me only the country or state in which they were grown. Even the fresh bread from my favorite local bakery is suspect; I know nothing about the flour, the seeds, or the hands that bring it to life. And I haven’t even gotten to processed food.

But let’s be honest: It’s pretty hard to avoid processed food entirely. Whether you’re talking about technicolored junk food or just canned veggies, it all contains additives that, at best, are unnecessary and, at worst, are downright harmful. Check out 11 common food additives many of us probably ingest quite often — and what they could mean for your health – in my new post on WiseBread.

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Does Your House Suck? Here’s How to Sell It Anyway

Flickr/thinkpanama

Flickr/thinkpanama

Read any list of recommendations about how to sell your home and you’ll get the same advice about how to bring out the best in your property to get top dollar. But let’s face it. A lot of homes have more than just cosmetic issues you can fix with a little spackle, paint, and cleaning. Some homes just, well, suck.

Maybe your home’s perched on a really busy road, or has major structural issues, or a wet basement. Sure, you could fix those things, but with real problem homes, making major repairs can, in itself, be a real financial risk. What to do? Get some tips on how to get your home sold – despite its flaws – in my new post on WiseBread.com.

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Hate Budgeting? How a Percentage-Based Budget Might Work for You

Flickr/Keith Ramsey

Flickr/Keith Ramsey

I’ve heard just about every excuse in the book for not making a budget. I’ve even excused my own way out of budgeting more times than I care to admit. What I’ve learned in the process is that just like diet and exercise plans or productivity goals, budgets aren’t one-size-fits-all. In other words, the style of budgeting that helps you get your personal finances on track might be a disaster for someone else.

One very simple and easy-to-follow budgeting style is percentage-based budgeting. Is it a fit for you? Find out in my new post on WiseBread.

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STOP! 10 Work Email Mistakes You May Be Making

Flikcr/Keith Ramsey

Flikcr/Keith Ramsey

As an online editor and writer who works with many other editors, writers, and all the people in between, I get a lot of email. Like, a lot. As a result, I’ve spent a lot of time thinking about how to make the most of email, how to be efficient at it, and how to ensure that it benefits my work. I’m not the only one.

According to market research company Radicati, the average American worker received or sent 115 emails per day in 2013, a staggering figure that’s expected to rise to 136 emails by 2017.

That’s a lot of opportunity to make a mistake. So before you rattle off today’s 100+ emails, check out this collection of the 10 worst email mistakes you may be making in my new post on WiseBread.

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