15 Alternative Uses for Nail Polish

Remember that time you glued your fingers together with Super Glue? Don’t be embarrassed — we’ve all done it at least once. What did your mom tell you she needed? Nail polish remover, right? And you were probably like, that’s not gonna work. Except it did.

Before there was nail polish remover, however, there was nail polish — a predecessor of multifunctional proportions. What, pray tell, can a tiny bottle of liquid paint do besides make millions of women (and some men) feel beautiful? You may be surprised. (See also: 51 Uses for Coca-Cola: The Ultimate List)

1. Seal an Envelope

You know when you seal an envelope but realize you forgot to sign the check or left something out all together? You can still open it without tearing the envelope immediately after licking it, but it’s hard to reseal it again with another lick; by now the glue has transferred to the other side. Instead of throwing it away and grabbing a new envelope, brush clear nail polish on the flap to seal it even better than before.

2. Prevent Rusty Screws

If you have hardware (screws, bolts, etc.) in damp places — like the bathroom, for instance — coat them with clear polish to prevent them from rusting.

3. Repair Frayed Laces

Don’t you hate when shoelaces become frayed at the end? They’re still perfecting useful but look like a mess. Dip the ends in clear nail polish, roll them between your fingers, and let the laces dry overnight.

4. Stiffen Thread

I don’t sew because it’s really annoying (seriously, it makes me feel like a pilgrim), but if this is one of your hobbies, you can thread a needle more easily if you dip the end in nail polish. The polish will stiffen the end, making it a breeze to pull through the eye.

5. Stop a Pantyhose Run

I’ll admit that I’ve worn tights before — for Halloween — but I can’t say I’ve ever put on a pair of pantyhose. I know for a fact, however (I’ve got a mom, ya know), that a dab of clear nail polish on a stocking run will prevent it from going any further.

6. Prepare Smudge-Proof Labels

If you’re making labels for your garden out of Popsicle sticks or even old silverware, you can prevent the marker ink from being ruined by the elements by coating the area with clear nail polish.

7. Ward Off Tarnish on Cheap Jewelry

Note that this says cheap jewelry! If you have costume jewelry, make it last longer by brushing it with clear nail polish to prevent tarnishing. Do not use nail polish on valuable jewelry; you will ruin it.

8. Color-Code Keys

All your keys look the same? Differentiate them by painting the tops of each key a separate color. This is great to help kids remember which key is which.

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9. Use as a Band-Aid

When you’ve got a small cut — paper cut, hangnail, or other minute scratch — and you can’t find a Band-Aid, use clear nail polish as an alternative adhesive. Nail polish is nontoxic, and it works nearly the same as more expensive liquid adhesives.

10. Heal a Wart

This might sound hard to believe, but it’s true. You can heal a plantar wart by covering it with nail polish. It works because the wart needs oxygen to live, but the nail polish prevents it from getting any. Just be sure to throw out that bottle when you’re done. You don’t want to spread the germs. 

11. Protect Pearl Buttons

Pearl buttons are beautiful — and they can be pricey. Make them last as long as possible by brushing them with clear nail polish. A thin coat will keep them from cracking or chipping.

12. Plug a Small Hole

Whether it’s a small leak or a tiny hole in your door or window screen, nail polish has the heavy-duty power to keep in the stuff you want in and keep out the stuff you want out. If your cooler has sprung a small leak, seal it with nail polish. Likewise, if there’s a small hole in your screen and you want to keep the bugs at bay, brush the area with nail polish.

13. Mark Poisonous Products

When I was a kid, my school gave us Mr. Yuck stickers to take home to our parents so they could label all the products that would essentially kill us. I’m not sure if that program is still intact, or even if it was nationwide, but a big X in red nail polish on toxic chemicals will do the same job.

14. Make Objects Glow in the Dark

Can’t see the buttons on the remote when the lights are out? Have a hard time finding the light switch when you come in at night? To make these objects — and lots more — glow in the dark, paint them with luminescent nail polish. 

15. Touch Up Chipped Glass

If you have a mirror (or any glass, for that matter) that has a chipped corner, prevent a future cut by brushing the corner with nail polish to create a smoother surface.

Have even more ways to use nail polish around the house? Let me know in the comments below.


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Bringing Water and Wheels to Africa: My Amazing Frugal Vacation

While I travel a lot, it’s rarely with my parents, which is why I was surprised when I received a call from my father inviting me to join him on a trip — to Uganda. For some, Uganda might bring up images of infamous guerrilla leader Joseph Kony, or scenes from heart-wrenching film The Last King of Scotland. But my father has a much more personal relationship with the country.

He founded The Clean Water Foundation, a non-government organization dedicated to bringing water and transportation to people in East Africa. That is why my father called — he wanted me to join him as he trekked into the tropical rainforests of the Virunga Mountains to see the gorillas, delivered bicycles to women in Buhoma, and helped bring water to a remote village that was the home of a man my parents had met on their last trip, three years ago. I said yes. (See also: 6 Ways My Family Scores Free Travel)

10 Miles From the Nile — With No Clean Water

Two days after landing in Uganda, we woke up in a modest tent hotel along the banks of the Nile, the longest river in the world, and waited for our guide and driver Owingi Milton to pick us up. My father had met Milton — as he prefers to be called — on his last trip to Uganda, when he stayed in a hotel that Milton was working in. Our primary goal for this trip was to bring water to the residents of Milton’s home, Pandinga Village.

As we hurtled down the heavily potholed dirt road, Milton told us that we are the first outsiders to visit Pandinga, and when my father and I arrived, we discovered several hundred people waiting for us. The leader of the village led a prayer to celebrate our arrival, referring to my father as “Tata,” or father of the village, and I was given the title of brother. Next, a procession of women arrived on their knees, bowed their heads, and crawled towards us with offerings of eggs, grains, peanuts, and three live chickens (Milton claimed he found good homes for the chickens). In return we gave them shoes, racquetballs, reading glasses, and assorted school supplies.

We learned from the villagers that among their many needs, clean water is paramount. To emphasize this point, we were shown a skit dramatizing the social and medical consequences of 1,000 people attempting to subsist on water sources that are just muddy holes in the ground two miles away. These effects include infighting among the women who collect the water and families being broken up over stress and illness caused a lack of clean water. Unmentioned is the task of transporting over fifty pounds of water on one’s head for several miles, a burden which seems to be borne exclusively by the women of the village.

But this isn’t a story about a primitive tribe being dazzled by strange outsiders. While the rest of the world may not be aware of Pandinga, their residents are aware of us. Although electricity is even scarcer than water, several residents had cell phones that they charged using portable solar panels, and it seemed like they had better coverage than I have in parts of Denver. Pandinga is not a place cut off from civilization; it is a subsistence farming village with few resources that is struggling to reach out to the world. It was our honor and privilege to reach back.

The ceremony concluded with the playing of a xylophone unlike any I had ever seen. In Pandinga, the instrument was constructed with eighteen logs of varying lengths laid over a pit in the earth several feet deep. A dozen men were needed to play it, using sticks covered in rubber from old tires.

After the ceremony, we were escorted to a marshy areas to witness how the village currently gathers its water. Women kneeled in the mud to retrieve brown water from a small trench, one liter at a time. They emptied it into yellow, 25 liter plastic jugs. Once filled, these 55 pound containers were hoisted onto their heads and transported back to the village. We saw thousands of women doing this on the side of the road all across Uganda. And all this for water that puts residents at an ever-present risk of sickness and death.

One surprising thing we discovered in Pandinga, though, is that there were existing wells near the village — they simply were not functioning, and no one had come to repair them. One was built by a company we visited, and my father and I decided to focus our efforts in getting that company to go out and fix the well they drilled. As of writing this article, we have helped get a crew repair the first well, and we are moving forward quickly on plans to drill again to replace their second well, which is beyond repair.

At the end of the day in Pandiga, we found ourselves back at our tent hotel, watching the Nile flow by after having spent the day ruminating on the problem of clean water for a village of 1,000 people not ten miles away. In the United States, we would just build a water treatment plant, pump the water from the Nile to the town, and finance the project by changing each household $ 30 a month for this virtually unlimited clean water. But the people of Pandinga couldn’t even afford the maintenance or fuel required for a diesel-powered well — only a hand-pumped one. I will never again look at the faucet in my house the same way.

Bicycles in Buhoma

We left early the next day to start our journey to Buhoma, which lies at the foothills of the volcanic Virunga Mountains, near the borders of Rwanda and the Democratic Republic of Congo. Uganda is not a large country, about the size of Oregon, yet it took us nearly three full days of driving on their horrific roads in order to reach our next destination.

In Buhoma, we met with Denis Rubalema, a native Ugandan with an unmistakably British accent. Denis is the director of Ride for a Woman, a bicycle shop in Buhoma with a mission to empower women in the villages surrounding the Bwindi Impenetrable Park. Working with his organization, we presented new bicycles to three women who previously had no access to transportation. With these bicycles, these women would be able to reach the nearby towns to sell their farm goods, purchase supplies, and receive medical care. For example, one of our recipients was Ms. Margaret Naranri, a divorced mother of nine children, four of whom currently remain at home. With a new bicycle, she and her children will now be able to bring their sugarcane to the market in the town of Butogota, nine miles away.

Our plan was to present bicycles to the women when we arrived in the morning, but as we were about to hand them over, I realized that they had arrived from the factory without any of the necessary tuning or adjustment. While I watched a local bicycle repairman struggle to prepare them for delivery, a realization struck me. In Pandinga, I felt helpless because I knew nothing about technical aspects of drilling for water. Yet as a former bicycle mechanic, I could finally put my skills to use. I put down my camera, picked up a wrench, and cancelled our sightseeing plans for the afternoon. After spending a week of making plans and holding meetings, I was relieved to actually be doing some tangible good with my own hands.

Bicycles were not the only reason we went to Buhoma, however — we also went to see some of the rare mountain gorillas in the area, and we were rewarded with a truly memorable experience. We were, in fact, surrounded by gorillas — the adults dropped fruit from above, while babies wrested with each other. At one point, we encountered an enormous silverback in the process of mating. He didn’t seem to be bothered by our presence anymore than he did by the fourteen other gorillas on the ground and in the trees. When the silverback wasn’t preoccupied with his amorous pursuits, he kept a watchful eye over his band.

Just a day later, we were on board the first of several international flights that would take us home…but we were forever changed.

Planning the Trip — Frugally

One of the main things that made this trip possible was frugal planning. A trip to Uganda is not like making reservations for your typical vacation. My father used his local knowledge from his last visit to plan the trip, along with the help of Milton (who is a both a highly skilled driver and an excellent tour guide); this allowed us to book our lodging directly with the providers. Otherwise, we would have had to use a tour group or travel agent that would take a cut. No matter where you’re traveling, it can help to see if you have friends or family who might know someone in the area who could help you plan your trip. Also, we stayed flexible and in many instances pulled into towns where we had no reservations. In these kind of places, the nicest lodge in town might have only been $ 60 a night.

As regular Wise Bread readers know, I travel a lot using frequent flier miles, which were especially useful in planning this trip. By using 240,000 Delta SkyMiles, we were able to save the $ 4,000 we would have spent on two coach tickets while enjoying approximately 50 hours of flying in International Business class on Delta and Kenyan Airways. The trick is to always find seats in Delta’s “Low” mileage class by searching their systems one leg at a time. I used Air France’s website for flights on partners such as Air France, KLM, and Kenyan Airlines. In my experience, you can never rely on what Delta reps tell you over the phone, or you will never get the lowest mileage rate — your best bet is to search through partner sites, and then call Delta to have them book the flights you found.

By saving money with these methods, we were able to achieve one of the most important goals of frugal living — saving money in one area so we could spend it on something else that was important to us. Material things come and go, but life-chagning experiences last forever. 

Final Thoughts

My parents had vacationed all over the world but until this trip, I never understood why they returned from Uganda to start a foundation. When you befriend a man like Milton and visit a place like Pandinga, you return home with a sense of obligation to work hard and share some of your own good fortune. News of celebrity gossip and even our economic downturn seem less significant to me now that I realize that we barely have to lift a finger to find clean water.

The Clean Water Foundation is a grassroots non-governmental organization (NGO) created by the author’s father, Clifford Steele (who also took all the pictures for this article). The foundation drills deep water wells in East Africa, and provide bicycles to residents of rural western Uganda not otherwise served by public transportation.

Author Jason Steele is Wise Bread’s travel rewards and credit card expert. For interview requests please contact media@wisebread.com.


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Join Our Tweetchat on Thu 3/22, 12pm Pacific for a Chance to Win Prizes

Join our Tweetchat this Thursday at 12:00 pm Pacific for lively conversation and a chance to win prizes! Use #WBChat to participate.

This week’s topic: Taxes! Discuss whether or not you have filed your taxes, if you did your taxes on your own or used a professional, what write-offs you were able to take advantage of, and what you could have done differently in order to reduce how much you owed in taxes!

For an easy way to keep track of the conversation, try using our special Tweetchat Chatroom.

Anyone can participate, but you must be following @WiseBread and RSVP below to win our prize!

To make it easier for us to keep track of attendees and pick our winners, please RSVP below with your twitter ID (put that in the “Link Title” field), email address, and your twitter URL (put that in the “URL” field, do not put your blog’s url in there). Winners will be selected at random from RSVPs. If a winner is chosen who RSVPed but did not attend a 2nd winner will be chosen.

New Parenting Chat Immediately Before #WBChat

Our sister blog Parenting Squad (@ParentingSquad) will be hosting a parenting chat every Thursday at 11:00 am Pacific. Drop by for fun parenting conversations and a chance to win prizes! Use #PSChat to participate.


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25 Tasty Ways to Enjoy Beans and Rice

Hailed by nearly everyone on the planet as one of the most frugal food pairings you can choose, beans and rice form the basis of staple recipes from many different countries. So why do some of us avoid sitting down to eat them so often? Well, part of it probably has to do with the way we may have been raised to view this particular type of meal. When you grow up eating a predominately meat and potatoes diet, transitioning to beans can feel like you’re giving something up. Here are 25 truly tasty ways to enjoy beans and rice on a regular basis. (See also: 5 Cheap and Easy Cuban Food Recipes)

1. Alternative Risottos

Trying some risotto options will definitely take things to the next level. For example, this kale and red bean risotto from the New York Times is certainly stylish enough to pair with a nice bottle of wine and mescaline salad, as is this fun fava bean risotto with mozzarella and prosciutto.

2. Gluten-Free Korean Pancakes

These Korean pancakes made with a batter of blended beans and rice are a tasty way to keep things interesting at the dinner table. They’re affordable, veg heavy, and suitable for snacking and dipping as well as a mealtime menu item.

3. Caribbean Pigeon Peas

If you’re already a fan of Caribbean food, then this idea will be familiar to you. You can use it as a side dish or enjoy it on its own for a light lunch or snack. This recipe for rice with pigeon peas from Trinigourmet.com has an affordable list of ingredients you can easily find in your grocery store. The use of coconut milk makes it a rich treat suitable for serving to company.

4. Mediterranean Dilled Crepes With Rice and Beans

This recipe for dilled crepes with rice and fava beans from Taste of Beirut appears both elegant and filling. Fresh ingredients are central to Lebanese cooking, so having your own dill growing in the garden will go a long way towards your success with this meal plan.

5. Spicy Black Beans With Shrimp Fried Rice

One of my favorite black bean recipes is the simplest one. It comes from my favorite Mexican restaurant, Café Noche, which is located in Conway, New Hampshire. Basically, they mix freshly cooked black beans with homemade hot pepper jelly for an easy side dish that the restaurant pairs with a variety of selections. For a fun easy dinner at home, try combining this same dish with a batch of shrimp fried rice. It’s easy, and if you make it with salad shrimp, quite cheap.

6. Smoky Pinto and Brown Rice Soup

I first tried this type of soup at our local Sweet Tomatoes restaurant recently. It was rustic, flavorful, and clearly an affordable recipe to try at home. So I started digging around online, which is where I found this vegan pinto bean and rice soup recipe that’s also suitable for the gluten-free crowd. You could pair this with cornbread and top with chopped scallions or other fun soup garnishes to make an extra-hearty meal.

7. Burrito Bowls 

One of my favorite ways to enjoy beans (and rice and frugal food in general) is to explore international cuisines on a regular basis. If you need some easy inspiration, try having dinner at your nearest Chipotle Grill and ordering one of their vegetarian burrito bowls with a scrumptious side of guacamole. You can order them with either brown or white rice, and your choice of pinto or black beans along with sautéed mixed peppers, spicy salsas, and other toppings. They’re definitely an easy creation to try on your own at home. If you feel like you need more carbs, use some tortillas to create your own burritos, which are also standard fare at this organic restaurant chain.

8. Dal: Beans and Rice With Indian Flair

Lentils and beans are exceptionally cheap weight loss foods and allow you to explore a world of decadent flavors without feeling particularly guilty about it. And Indian food is widely acknowledged to have one of the most pleasing arrays of flavors. This recipe for curried chickpea dal is just one example, but there are many others you can try.

9. Cajun Red Beans and Rice

Inexpensive to make and suitable for both lunch and dinner, red beans and rice is stick-to-your-ribs good food. This recipe from the Bitten Word will get you started. If you are able, consider pairing with some shrimp skewers and a batch of hurricane cocktails for an affordable backyard dinner party.

10. Chilled Beans and Rice Salad

There are several ways you can go with this particular seasoning idea, but let’s begin with this bean salad recipe created with salsa, corn, green onions, black beans, and rice. Pair it with grilled chicken drumsticks or barbecue riblets and a fun, easy dessert.

11. Low-Fat Mung Bean and Rice Pilaf With Turmeric

To tell you the truth, I just tried this for fun the other evening when I was out of cashews and wanted to make my favorite veggie stir fry. I happened to have an abundance of both mung beans and rice kicking around in the pantry, so I decided to whip up a combo batch of both in the rice cooker. I used two parts rice to one part mung beans and seasoned with a couple of spoonfuls of turmeric for color. This gave me my necessary protein, and I was able to skip all of the fat grams I would have had from adding several handfuls of the pre-planned cashews. From there it was just a matter of stir-frying a few veggies and adding a dash or two of tamari. It’s definitely a vegan on the cheap type of recipe and fairly easy to make.

12. Hoppin’ John

Considered good luck to eat at the start of any new year, hoppin’ John is a beans and rice dish made with black eyed peas that can be served with collard greens for an affordable, filling dinner menu. If you don’t like the idea of including ham or bacon for the flavor, try adding a bit of liquid smoke.

13. Chili and Rice With a Toppings Bar

You can use regular or vegetarian chili heated in a crock pot alongside a pot of cooked rice and your topping selections of choice. Shredded cheese, scallions, chopped onions, and individual guacamole servings are a few fun places to start, but you can use other items if you like. Serve with margaritas, iced tea, or your favorite brew.

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14. Sticky Rice Balls With Beans

One of my favorite food experiences in East Asia is dipping hand-held balls of sticky rice into flavorful sauces. If you use the mung bean and rice combo idea above when you make sticky rice, then your options for dipping sauces are wide open. Additionally, these Chinese dessert rice balls stuffed with sweet red bean paste can be a nice thing to serve for a special event.

15. Vegetarian Paella

While you might think strictly of seafood when the subject of paella arises, the truth is there are several versions of vegetarian paella that include beans and rice as their main ingredients. The other ingredients are quite traditional, which means you’ll still feel like you’re enjoying the essence of Spain when you sit down to eat. Looking for a budget beverage? Try using boxed wine to create a stylish sangria.

16. Saffron Rice With Peas and Garbanzo Beans

The rich yellow of saffron rice combined with peas and beans brings a bold statement to the dinner table. Use it as a side dish and paired with grilled meat and veggie kabobs to round out the meal. This recipe is meant to be a simple solution to dinner woes, so try to not to make it too complicated.

17. West African Beans and Rice

This West African beans and rice recipe calls for very few ingredient, but certainly delivers on spice. Trying serving fresh fruit for dessert to lighten things up.

18. Beans and Rice Biryani

Biryani is hands down one of my favorite dishes of all time. I don’t get a chance to enjoy it that often, but when I do, I always appreciate it. This beans and rice biryani from Mistress of Spices is flavorful, vegetarian, stylish, and inexpensive.

19. Bean and Rice Casseroles

Having some casseroles in the freezer is a sure way to remain prepared for the temptation to give in to take out options. Two basic options are this pinto bean and rice casserole from Taste of Home (love them) and this cheesy rice and bean casserole from the people at Weight Watchers.

20. White Rice With Mango and Black Bean Salsa

You can serve these low-fat partners with grilled fish or on their own. Either way, you’ll have an affordable meal that’s strong on nutrition and flavor. You could even mix the mango and black bean salsa with the rice to create a type of summer salad. I like to keep my mango salsa simple and use only mango, black beans, red onions, jalapenos, cilantro, red pepper, and a squeeze of lime.

21. Middle Eastern Fava Beans

This type of bean is prevalent in Middle East food, so if you have access to an Arab food market, you should be in business. Rather than the typical basic bean dish with bread, serve this recipe for fava beans with potatoes and saffron rice for a selection that’s hearty and sophisticated.

22. Tuscan Bean and Rice Soup

This Tuscan bean and rice soup might be basic with its ingredients, but it definitely celebrates the flavors of one of the most popular regions of Italy. Serve with a rustic, crusty bread and bottle of white table wine. Since it’s fairly low in calories, you might just be able to squeeze in a little tiramisu for dessert.

23. Protein-Rich Crepes

Combining moist rice and mung beans into a crepe batter allows you to enjoy the nutritional benefits of beans and rice without actually having them be obvious on the plate. You’ll have countless options for filling your crepes, and a dinner idea suitable for the gluten-free diners in your life.

24. Veggie Burgers

There are more veggie burger recipes online than one could ever hope to include in a single resource, so I’ll simply feature this recipe that also includes beets. Inspired by a popular restaurant, these veggie burgers can be mixed and match with a variety of menu plans.

25. Vietnamese Black-Eyed Pea and Sweet Rice Pudding

As with the Chinese rice balls with red bean paste, this black eyed pea and sweet rice pudding showcases the types of alternative recipes for this pair of pantry staples.

I think it’s clearly safe to say that beans and rice for dinner doesn’t have to mean you’re in for a boring meal.


Wise Bread

In With the Old: 4 Vintage Frugal Resources

A lot of the frugal lifestyle has to do with self-sufficiency — cooking for yourself, repairing what’s broken, and so on — skills that fell out of practice over the last several years. So it makes sense that some of the best frugal living references are from a time when more people practiced these skills regularly. This is by no means an exhaustive list; I only included resources I have personally used. (See also: Self-Sufficiency, Self-Reliance, and Freedom)

The USDA’s Home and Garden Bulletin

Published between the 1950s and 1990s (yes, the 1990s is hardly “vintage” — no matter what teenagers already nostalgic for the decade say), the USDA’s Home and Garden Bulletin covered everything from canning (not just fruits and vegetables (PDF), but also meat (PDF)) to tailoring a woman’s suit (PDF) to budgeting for young couples (PDF). The first time I made my own cottage cheese (PDF), I followed the recipe from one of these bulletins.

Old Children’s Books

While I watched my share of TV as a kid, I usually preferred to be doing something. These days, one of my hobbies is collecting old books, and some of my favorites are children’s books, like The Boys’ Own Book of Indoor Sports and Choice Parlor Games from the late 1800s. It teaches kids how to do everything from build a pig out of a lemon to perform plays with fantastical costumes to how to throw boxing punches (okay, maybe you don’t want to teach your kids that one). Unfortunately, there isn’t a copy of that book online, but there are several other old children’s books digitized by Google Books, like Boys’ Own Book; A Complete Encyclopedia of Athletic, Scientific, Outdoor and Indoor Sports. Your best bet for books like these, though, might be poking through your local library and used book shops.

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Archive Films 

The Prelinger Archives at Archive.org is one of my favorite sources for “found” footage when making comedy videos. It’s full of classic informational films, newsreels, commercials, and even personal films of vacations and Worlds Fairs. A search for “thrift” in the archives yields plenty of movies, like this one showing how a young couple refinishes secondhand items:

Watch video

The Joy of Cooking

If you’re saying, “Huh? That new book on my shelf?” it’s probably because this classic cookbook is updated regularly. We had one of the older copies of The Joy of Cooking in my house when I was growing up, and its exhaustive desserts section was instrumental in my learning how to bake. While The Joy of Cooking is one of my favorite examples, lots of older cookbooks provide simple, tasty recipes with frugal, easy-to-find ingredients. Scout out yard sales, or try searching “cook book” (it used to be two words) on the Free Google eBooks section of the Google Books search.

What are your favorite vintage frugality resources?


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10 Tips for Balancing Love and Money

It’s a sad but common tune: debt threatens to divide or break up an otherwise strong couple that hadn’t set up any financial ground rules. Love and money don’t always go hand in hand, which means it’s crucial to consider the long term repercussions of sharing your life and bank account with another person. There’s no magical credit card or anti-debt potion, but here are some tips for keeping the communication lines open, the piggy bank full, and both of you crazy in love.

RELATED: 4 Ways to Divide and Conquer Expenses as a Couple

Discuss and Share Your Financial Goals

Before you get married or move in together you should tackle the tough questions, so both of you know what to expect and aren’t shocked years down the road. If things are really serious, make sure to discuss your savings tactics and goals, debt, plans for providing for children and retirement plans. If you’re not picking out dresses yet, discuss monthly and yearly expenses like housing, bills, and lifestyle and entertainment expenses.

Most SavvySugar readers say they wouldn’t get a joint checking account with their boyfriend, but they might get one to pay for bills. Discuss the idea with your significant other.

Make a Joint Spending Plan

Make a spending plan together. Combining money means you need to communicate about how it is put to use. I recommend using a money management site like Mint.com, which will categorize your expenses and give you both a realistic picture of which areas could be targeted to trim costs.

Check out my guide to managing money as a couple for additional suggestions.

Find a Comfortable Balance

If one of you earns significantly more, talk about it instead of skirting around the difference. Figure out a fair way to cover expenses like meals and rent that works for both of you. Many of the couples I know opt for a sort of sliding scale payment plan, where you pay what you can afford instead of splitting evenly or placing the financial burden on one partner.

Save Room for Your Love

When you’ve gotten a handle on affording your everyday, expected expenses, begin to build up your savings in a high-interest savings account. Start putting some money toward an emergency fund and fit your monthly savings goals into your overall budget plan to avoid the excuse of not being able to afford to save.

Check out my guide to managing money as a couple for additional suggestions.

Be Honest About Spending

Be upfront about your shopping and spending habits. You shouldn’t have to hide your purchases, but establish some ground rules and be honest. If you go shopping every payday and hate that your significant other makes fun of you for it, tell him. You shouldn’t criticize little purchases your partner makes either, as long as they aren’t adversely affecting your money. Savings is a marathon, not a sprint. There should be some wiggle room.

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Manage Money as a Couple

If you are married or deeply committed, open another account just for your fixed, non-negotiable expenses, and immediately transfer the money when you’re paid. Set it up so the transfer happens automatically, and neither of you will be tempted to spend that money on other things.

Check out my guide to managing money as a couple for additional suggestions.

Being Broke Ain’t a Joke

If you run into a financial crisis and regularly share expenses with your partner, tell them immediately. If you are co-dependent, it’s important your partner knows what to expect and how to support you. Together you can create a plan of action, whether it means one of you taking on additional expenses, cutting back on luxuries, or making a larger life change like downsizing to a smaller place or getting an additional job.

Discuss Credit Fears and History

Many women worry about their boyfriend’s credit and how it might affect their credit if and when they tie the knot. In a nutshell, nothing happens to your credit when you get married. Your credit history is yours to keep, but it’s important that you continue using the cards you already have in your name so that your credit history stays active. Your names will never appear on a credit report together — reports are generated for individuals only. However, if you and your husband open any joint accounts together, those will appear on both of your credit reports.

While there is no such thing as “our credit score,” your husband’s credit could affect you (but not your credit score) because both of your scores are considered when you apply for joint accounts or a mortgage loan. You might be faced with higher interest rates on these joint finances than if you applied for them on your own.

Trim Expenses Together

While being in a couple may mean you have a larger spending budget, challenge one another to trim unnecessary expenses together. Make major home or luxury purchases or travel decisions together and set an achievable goal, like a romantic weekend getaway, dream vacation or buying a home, as an incentive savings goal.

Maintain Your Independence

You may love your partner more than anyone on this earth, but you should always put yourself first. I suggest you maintain your savings as if you were single and insure you have a rainy day stash. You don’t have to be secretive about your savings: Let your partner know you would like to maintain your own savings and explain why.


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Best Money Tips: Cheap Ways to Keep Fit and Stay Healthy

Welcome to Wise Bread’s Best Money Tips Roundup! Today we found some great articles on cheap ways to keep fit and stay healthy, tips for taxpayer newbies, and discounts hidden in plain sight.

Top 5 Articles

Cheap Ways To Keep Fit And Stay Healthy — Keep yourself healthy by washing your hands often and sleeping earlier. [The Digerati Life]

5 Tips For Taxpayer Newbies — If you are a newbie when it comes to taxes, don’t forget to report all your income. [SavvySugar]

Discounts Hidden in Plain Sight — Make sure you don’t ignore coupons that come with your receipts or mailing list discounts. [Deliver Away Debt]

7 ways to mess up your retirement — Don’t mess up your retirement by underfunding your accounts. [Step Away from the Mall]

5 Ways to Save Money on Gas This Summer — To save money on gas, use gas comparison sites and plan your trips beforehand. [The Frugal Toad]

Other Essential Reading

11 Ways to Be a Better Husband to Your Pregnant Wife — To be a better husband to your pregnant wife, skip the alcohol and try to anticipate her needs. [Parenting Squad]

5 First Time Homebuyer Mistakes to Avoid — If you are buying a home for the first time, don’t make the mistake of emptying your savings for the down payment. [Quizzlewire]

26 Surprising Facts about Speeding Tickets — Did you know around 35 million speeding tickets are issued each year? [JoeTaxpayer]

How to Choose the Best Credit Card — Choose the best credit card by looking for low charges and fees. [Financial Management Blog]

Five Simple and Effective Tips for Managing Your Email — To better manage your email, don’t respond to emails instantly. [Stepcase Lifehack]

News & Events

The Wealth Builder Carnival — Don’t miss The Wealth Builder Carnival, featuring articles about building, preserving and keeping enough wealth for a comfortable retirement.

Be sure to check out our News & Events Calendar to see all the awesome upcoming events in the personal finance world!


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The 5 Best Premium Credit Cards

Your credit card doesn’t just have to be a card; it can also be the key to unlocking a hidden world of priority access and premium service. At one time, these services were reserved for the truly wealthy people that some now refer to as “the 1%”. Today, banks are eager to offer their most exclusive products to customers with good credit, if not extraordinary spending power.

While these cards do provide some pretty excellent perks, you should never get them just for the sake of prestige. But if you use credit cards responsibly and are already paying out of pocket for the free services they provide, they can be financially worthwhile. (See also: Best Credit Cards for People With Excellent Credit)

1. American Express Platinum Card

credit cardAmerican Express has made a name for itself by offering premium products in conjunction with unsurpassed customer service. While their secretive, top-of-the line Centurion Card is only offered by invitation to select high-net-worth individuals, the rest of us can apply for their Platinum Card, which costs a fraction of the price and may be almost as good. Platinum Card holders will enjoy an impressive array of benefits too long to list here, but the highlights are: 

  • $ 200 per year in airline fee credits that reimburse cardholders for any incidentals charged by the carrier of their choice
     
  • A Global Entry membership that allows you to speed through U.S. Customs and Immigration
     
  • A free companion ticket on a full fare international flight in Business or First Class
     
  • Access to airport lounges operated by US Airways, Delta, American Airlines, and over 600 other lounges worldwide
     
  • Numerous travel insurance and purchase protection programs

Finally, American Express continually tries to surpass itself with its personal concierge service that will do almost anything you ask, including the arrangement of travel, dining, and other purchases. Like other American Express products, cardholders will earn Membership Rewards points that can be used for cash back, gift cards, or exchanged for airline miles. There is a $ 450 annual fee for this card, which can largely be justified by the $ 300 worth Global Entry and airline fee credits. If you get to add a free companion to a Business Class international flight, the annual fee will pay for itself many times over. On the downside, American Express is less commonly accepted than Visa or Master card. Also, American Express recently went through a sort of a breakup with United Airlines, which is now going steady with Chase. As a result, Membership Rewards points cannot be exchanged for United miles, and their card no longer grants access to any United lounge.

Click here to apply now

2. United MilegePlus Presidential Plus Visa From Chase

credit cardCustomers of United (and the former Continental) are being forced to pick sides after their airline fell out of favor with American Express. If you want to earn United miles and enjoy their lounges, you could do a lot worse than to receive the United Airlines MileagePlus Presidential Plus Card. When traveling on United, cardholders enjoy priority check-in, express security screening, priority boarding privileges, priority baggage handling, and two free checked bags. In addition, card members receive access to all United Clubs and over 200 other affiliated lounges such as the ones operated by US Airways. As with other premium credit cards, members receive several different purchase protection and travel insurance policies, as well as a dedicated concierge service. There is a $ 395 annual fee and no foreign transaction fees for this card. Finally, you know this is a great card because its name contains the word “Plus” twice.

Click here to apply now

3. J.P. Morgan Select

credit cardLike American Express, Chase offers a super-exclusive card called the Palladium that is only available to select clients of their personal banking service. Fortunately, they offer a slightly less glorified version called the J.P. Morgan Select, which leads these luxury cards in value. Like its competitors, it offers personalized service 24 hours a day, and cardholders will receive Chase Ultimate Rewards points that can be transferred to frequent flier miles or used for booking travel directly through Chase. Members also receive complimentary primary auto rental coverage, trip delay or cancelation insurance, and baggage delay or lost luggage coverage when they travel. Finally, international travelers will love the fact that this card has an EMV Smart Chip and no foreign transaction fees. Even better, Chase offers this product for a mere $ 95 a year, and even that is waived the first year.

Click here to apply now

4. Citi Executive AAdvantage

credit cardCiti offers its ThankYou Prestige card with a $ 500 annual fee that is meant to compete with the other products on this list, but I don’t think that it is the best card they offer. Instead, cardholders would be wise to select their premium card co-branded with American Airlines. Like their ThankYou Prestige card, the Executive AAdvantage card offers an expert concierge service and all of the same purchase protection and travel insurance policies. In addition, travelers will receive full Admiral’s Club membership for them and their immediate family along priority check-in, airport screening, and boarding privileges plus with waived checked bag fees. The annual fee is $ 450, $ 50 less than the Prestige card and about the same as the Admiral’s Club pass, and there are no foreign transaction fees.

Click here to apply now

5. Visa Black Card

credit cardDon’t tell anyone, but Barclay’s Bank offers the Visa Black card in order to compete with other premium products on the market. Barclay’s apparently wants to keep this a secret because it is extremely difficult to find their name attached to the card. They do prominently boast that this product offers holders a limited membership, a 24-hour concierge service, and even a card made out of carbon (patent pending). Cardholders earn points that can be worth 1% cash back or up to 2% towards airfare. Other perks include unlimited airport lounge visits in over 200 cities and the occasional luxury gift delivered to your door. This card does have $ 495 annual fee and, sadly, a 3% foreign transaction fee on all charges processed outside of the United States.

Click here to apply now

So despite their upscale marketing, it might be worthwhile to take a look at some of the premium credit cards and their long lists of perks. While these cards come with a heavy price tag, their benefits can actually be worth more than their costs.

Note: Some links contain affiliate codes.


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Affordable Entertaining: How to Make Sushi

Sushi is sexy. It’s chic. It’s sophisticated, and it can be created to satisfy a wide range of eating preferences if you happen to be hosting a happy hour at home. It’s also one of those foods that is well-suited to those who are cooking for kids on a regular basis. Did I mention it’s also an incredibly cheap food to make? (See also: How to Shop for Fresh Fish)

Getting Started

You really only need a few items to get started, most of which you’ll be able to find at your local grocery store. In addition to the nori (seaweed sheets), sushi rice, and condiments such as soy sauce, wasabi, and ginger, popular ingredients include cucumber, imitation crab meat, cream cheese, sesame seeds, avocado, carrots, and various forms of seafood. It’s also helpful to have a bamboo rolling mat to help you get the shape right. A few simple sushi roll recipes are provided below.

The Classic California Roll

While definitely an Americanized version of the food, a California roll is one of the more popular choices at sushi restaurants across the country. Its ingredient list is pretty basic, making it the perfect choice to begin your sushi making adventures.

Inside-Out Rolls

This is a fun twist on sushi that most people can pull off with a bit of practice. Basically, an inside-out sushi roll is assembled with the sticky rice on the outside and the nori on the inside along with the fillings. These are often decorated with black and white sesame seeds for extra texture.

Vegan Sushi

Usually, there are only one or two options at sushi restaurants whenever my husband and I go out for this special treat. So I was excited to find this comprehensive list of vegan sushi ideas suitable for home entertainment and casual enjoyment alike. Bring on the chopsticks!

Boston Rolls

Similar to a California roll, a Boston roll uses shrimp instead of imitation crab meat. Assembly instructions are basically the same, and these can be very affordable to prepare for friends and family.

ARTICLE CONTINUES BELOW

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Professional Sushi-Making Tips

To help break the sushi-making process down, I contacted the sushi pros from HARU in Boston, a restaurant well-known for its sushi creations. They had advice on everything from handling the rice to positioning the seaweed sheets.

Water Is Wonderful

According the folks at HARU, water is what keeps the rice from sticking to your gloves when manipulating the sushi rice around on the nori sheets. They dip their gloves in a bit of water, but if you are making your own sushi at home, I’m sure dipping your hands in water would achieve the same result.

Rough It Up

Another tip I learned from my time with the guys from HARU is that the shiny, rougher side of the nori sheets provides the best grip for the rice, making it easier to create your custom rolls. So when you begin assembling your supplies to make sushi, be sure the rough side is facing up.

Timing Is Everything

Apparently, letting the seaweed sit for too long with the rice and toppings applied will make the nori sheets difficult to form into a roll. So it’s important to have your ingredients prepared in advance.

Size the Rice

When figuring out how much rice to put in a roll, the HARU folks recommend forming the cooked rice into a sphere that’s slightly smaller than a baseball. From there, start in the top left corner and then move toward the right of the nori sheet taking care to move — not press — and not exerting too much force on the rice ball.

Less Is More

If you put too much rice or too many ingredients into the roll when you make your own sushi, you run the risk of over-stuffing your creation. This will make it difficult to roll and shape. So keeping an eye on your ingredients is a good idea. To give you a better idea, I’ve included this demonstration video from Sustainable Sushi in Seattle.

If You Can’t Resist Stuffing, Go Vertical

For those that absolutely must have a larger roll with extra ingredients, turn your nori in a vertical direction before you begin assembling your sushi. This is called Futomaki. This alternative orientation of the seaweed sheet is more stable for the increased ingredients, helping you to be successful as you create your custom roll.

Cut With Care

Grabbing a dull cleaver and pressing down hard in the middle is sure bet for sabotaging your sushi-making efforts. Your knife must be exceptionally sharp, and your cuts need to be made in a careful sawing motion with a light touch. This will ensure your custom-created sushi roll looks its best when serving it up for your guests.

As you can see, all it takes is a bit of practice and a little help from the pros to learn how to make sushi at home. It’s great at any time of year (although I particularly love it for warmer weather) for dinner parties or a fun family lunch. Pair it with some homemade shrimp toast and a bit of miso soup, and you’ve got a great light meal. And if you make it with vegetables only, you’ve got another great way to go vegan on the cheap.


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10 Body Language Mistakes That Sabotage Most Interviews

This series is brought to you by TurboTax Federal Free Edition.

Question — how much of what you “say” is actually interpreted through body language and tone of voice? Well, if we are to believe Albert Mehrabian, almost all of it.

Professor Albert Mehrabian has stated that only 7% of a message is conveyed verbally, through words. The other 93% is split between tone of voice (38%) and body language (55%). In fact, it’s widely known as the 7-38-55 rule.

Now, you may take or leave that kind of statistic, as it clearly cannot be true in all cases. And furthermore, it cannot include the written word. If it did, authors would not sell books, and we would never sign contracts!

But even so, it’s true that tone of voice and body language can betray our real feelings. And in a job interview, it’s important to take control of your body language as much as possible. After all, even though you may say all the right things, your body can be telling the interviewer a completely different story.

Here then are 10 body language mistakes to avoid. Keep them in mind before your next interview, and keep them under control when you’re in the hot seat. (See also: 16 Ways to Improve Your Body Language)

1. Don’t Make a Feeble First Impression

It’s been said that employers can spot the right candidate within 30 seconds, and that’s all about body language. Be confident, but not arrogant. Walk in with a smile, without fiddling with anything you’re wearing, and give a firm handshake. Firm, by the way, means just that; enough pressure to say you mean business, but not the Vulcan death grip that so many men (and some women) try and impose. Also, a floppy “dead fish” handshake is just as bad, if not worse. And if you’re sweating from nerves (or something else), wipe your hands before entering the room. That sweaty palm will not do you any favors.

2. Stop Touching Your Face!

Did you see the movie Contagion by Steven Soderbergh? A doctor played by Kate Winslet states that the average person touches their face between 2,000 and 3,000 times every day! You’ve probably touched it a few times while reading this article. Now, while you can’t stop yourself from doing this all the time, you must stop during the interview. We’re all guilty of touching our nose, our lips, and our forehead, but these all imply that we’re either nervous or dishonest. Perhaps we associate nose touching and dishonesty with Pinocchio. Also, you’re then going to shake hands again at the end of the interview. Any germophobics (think Donald Trump or Howie Mandell) will not be pleased that you’ve had your hands on your mouth and nose for the last half hour. 

3. Don’t Do the Leg Wobble

Look around you today and see how often you spot the leg wobble. It comes in many forms. Some people will be seated at a table and will jiggle one leg up and down beneath it. Some will cross their legs and jiggle one foot. And some will have both legs going at once. It can be due to nervous energy, restless leg syndrome, or just bad habit. But whether you do it a little or a lot, do not do it in an interview. The message you’re sending is loud and clear — I’m anxious, and I can’t wait to get out of here. And a potential employer does not want to know that you can’t wait to be out of his or her presence. 

4. It’s a Cliché Because It’s True: Don’t Cross Your Arms

You’ve heard it before, and you’ll hear it again — and there’s a good reason. When you cross your arms, you are saying that you are closed off, closed minded, defensive, or just plain bored. It doesn’t matter if you find it the most comfortable way to hold your arms; this is an interview, and it’s not a good idea to practice the most widely known negative piece of body language in front of a potential employer.

5. Don’t Sit Up Too Straight, but Don’t Slouch Either

Have you ever been sat opposite someone who sat up so straight that you just couldn’t relax around them? It’s a strange feeling. They’re not really doing anything wrong; in fact, they’re displaying good posture, but at the same time it just seems like they’re being stiff and prudish. You don’t want to seem this way in front of the interviewer, and you also don’t want to make them feel uncomfortable around you, either. After all, who wants to work with someone who makes them feel awkward? So relax. Sit up straight, but not so straight it looks like you’re craning your neck to the ceiling. And of course, don’t be so relaxed that you slouch. This looks messy, disrespectful, and lazy.

6. Props Are for Magicians and Comedians

You may very well have your hands full when you enter the room. This can be unavoidable, especially when going from one interview to another. If you can, go to the interview with everything you need in one suitcase or bag. When you’re called to the interview, rise gracefully and pick it up from the side of your chair, then sit it down beside you when you sit for the interview. If you’re playing a balancing act with pens, organizers, your cell phone, resumes, and other paraphernalia, you look ill-at-ease, clumsy, and unprepared. And if you start dropping things, you make it even worse.

7. Eye Contact Is Good; Staring Is Not

It can be difficult to remember every point in a list, and some people will jot down memory aids and take them literally. One such point is “maintain eye contact.” Before you know it, you’re staring down the interviewer with a gaze that could put a statue to shame. As with all things in life, do this in moderation. You don’t want to have your eyes wandering the room looking for an exit, but you also don’t want to fix a laser-like stare into the interviewer’s soul. Janine Driver, a body language expert with the nickname “the lyin’ tamer,” suggests that 60% eye contact is ideal, looking at the upper triangle of the other person’s face (this goes from the left to right eyebrow, crossing the bridge of the nose). If there’s more than one person in the room, make eye contact with each person. And don’t stare at the mouth or forehead. In fact, don’t stare, period. Remember to blink, please! 

8. Watch Those Hands

If you’re following rule number four and rule number two, you may be wondering what on earth to do with your hands. This can be especially true if you’re someone who uses his or her hands a lot when talking, to express enthusiasm or to convey a point. Well, that’s fine. After all, if it helps you elaborate upon what you’re saying, and it’s also a part of who you actually are, then don’t mess with a good thing. But be careful. Mark Bowden, author of the book Winning Body Language, suggests keeping your hands and arms in the “truth plane.” Ideally, this is an area that fans out 180 degrees from your navel, stopping below the collarbone. Keeping gestures within this place keeps your hands away from your face, as noted earlier, and shows that you are calm, centered, and controlled. So, by all means use your hands, but don’t go mad.

9. Don’t Be a Nodding Dog

People often believe that nodding in agreement at everything the interviewer says will stand them in good stead. That’s not actually the case. While it’s all well and good to nod in agreement when you do genuinely agree with something, you need to avoid the “nodding dog syndrome.” Nodding in agreement with everything, regardless of the message, makes you look somewhat sycophantic, perhaps even spineless. Even worse, if you’re not paying attention and then get asked a question related to the issue you were nodding about, you could look like a real idiot. “Why on earth were you agreeing with something that you had no idea about?” Keep the nodding under control. Of course, on the other end of the spectrum, shaking your head should be kept to a bare minimum. No one wants to be sat opposite someone so disagreeable, and it’s also a sign of trying to dominate others.  

10. Don’t Keep Your Distance or Get in Their Faces

In most interviews, you’ll be sat on one side of a desk with the interviewer sat on the other. This is standard practice, but with body language you can change this dynamic with both good and bad outcomes. For a start, if you purposefully shift your chair away from the desk, perhaps crossing your legs, then you’re putting more distance between you and your potential employer. This is a suggestion of distrust or nervousness. Similarly, if you bring the chair up too close to the desk and start leaning over, you are being intimidating and also showing that you have something to hide. So stay at a comfortable distance from the desk, showing enough of your upper body to indicate that you have nothing to hide. If there’s no desk, follow the same rules. Don’t get so close that your breath is in their face, but don’t back off so far that you’re clearly trying to avoid them.

Of course, as with all lists, remember not to be so focused on this advice that you forget the main reason you’re in the room. Practice before the interview; don’t jot this down on the palm of your hand and become a body language robot. Be relaxed, be natural, and for the most part, be yourself.


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