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Money Management

Keep Your Money and Health on Track With These 9 Apps

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 Take control of your life one app at a time. These top picks will help you stay on track with your fitness, financial and productivity goals. Lordn / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. A new year, a new, improved person — at least, that’s what we all would like to think. The new year is a time to strive for our goals with renewed focus and vigor. So, if it’s turned out you’re needing some help with that, we’re thrilled to suggest nine apps you need to download. These are our favorite apps to take control of your…

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5 New Career Milestones for Your 30s

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 Learn how to negotiate, set boundaries and know your worth. fizkes / Shutterstock.com

Editor’s Note: This story originally appeared on FlexJobs.com. If you’re in your 30s, you might discover that you’re hitting your stride professionally. With a few years of experience, you will likely feel more confident in your abilities. Your 30s are an excellent time to begin thinking about your long-term career goals. During their 20s, most professionals focus on landing their first job and…

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This New Premium Barnes & Noble Membership Promises Discounts and Perks for $40 a Year

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Could a B&N annual membership be worth it for you? 

Image source: Getty Images

Calling all bookworms! Barnes & Noble has a new membership program that could save you money. This program replaced the brand’s old membership program, which costs $25 a year. While the new membership will cost more, additional perks are now offered. If you buy books frequently, you may be able to keep more money in your pocket by becoming a member.

Introducing the B&N Premium Membership

The brand-new B&N Premium Membership is available for $39.99 per year. Those who join the program can score discounts and take advantage of other valuable perks that could add value to their lives. Here’s what you get by becoming a member:

10% off most in-store and online purchases10% discount on NOOK devices and accessoriesA virtual stamp for every $10 spent in-store and onlineFor every 10 stamps earned, you’ll get $5 in rewards, which can be redeemed in-store or onlineFree standard shipping with no minimum purchase requirementFree tote bag for each paid year of membershipFree size upgrade to the next size of a Cafe prepared beverageSpecial members-only offers and discountsBirthday offers for members and their children turning 12 and under

All existing memberships for the old program will remain active throughout the current term but won’t be renewed. If you’re a frequent Barnes & Noble shopper, the new B&N Premium Membership could help you save money and enjoy a better shopping experience.

Barnes & Noble regulars can join the free rewards program

Not interested in investing in a paid annual membership? That’s okay; there are other ways to earn discounts at your favorite bookstore. Barnes & Noble also has a free rewards program called B&N Rewards. This loyalty program is available to all customers and costs nothing.

Rewards program members will earn a virtual stamp for every $10 spent in-store and online. For every 10 stamps earned, you’ll get a free $5 reward added to your account. Rewards can be redeemed in-store and online and don’t expire as long as you remain a member.

This program offers an excellent way to earn discounts on future purchases and could be a good tool to add to your money-saving personal finance strategy. Who doesn’t love discounts?

Are paid memberships worth the cost?

For frequent shoppers, these kinds of programs can be well worth it. If you’re unsure if it’s a good fit for you, you’ll want to consider how frequently you shop at Barnes & Noble and whether you’ll get a lot of use from the benefits offered.

If you don’t spend a lot of money with one retailer or aren’t loyal to one brand, paying for a membership program may not make sense. Instead, taking advantage of free loyalty programs is an excellent way to save money. You can shop like usual and earn discounts on future orders without paying a yearly fee.

You’re not alone if you’re looking for ways to keep your spending in check amid high living costs. Don’t forget about paid memberships and free retailer loyalty programs that offer discounts and freebies. Using these programs can help you keep more money in your checking account.

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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3 Signs Your Forever Home Is No Longer the Right Home for You

By Money Management No Comments

It may be time for a move. 

Image source: Getty Images

Some first time home buyers specifically opt to purchase a starter home and then make plans to upgrade to a forever home down the line. Others, meanwhile, aim to buy their forever home from the start.

Of course, not everyone believes in the concept of forever home. In a 2017 survey by Taylor Morrison, 56% of homeowners said they thought the idea of a forever home was outdated.

If you’re living in a home you’re convinced is the place you’re meant to stick with indefinitely, then the idea of moving may not sit well with you. But if these signs apply to you, perhaps you need to ditch your forever home — and find one that better suits your needs.

1. You’re sorely lacking in space

It’s one thing to wish for an extra closet in your downstairs hallway, or to wish your garage offered a little extra shelving space. It’s another thing to be constantly tripping over piles of stuff throughout your house because there’s simply no place to put it all. If that’s the case, and your home has become one giant pile of clutter, then it may be time to move to a home that offers more storage.

But it’s not just storage space you might be lacking. If you’re a family of five crammed into a two-bedroom, one-bathroom home, you might constantly have issues with people needing to shower at the same time, or people (adults and kids alike) lacking privacy. These are problems that could impact your quality of life, so if you’re grappling with them constantly, then it may be time to put your home on the market and plan for a move.

2. You’re not close to the things you need to be close to

Maybe your children are involved in after-school activities that are easily a 30-minute drive — each way. Or maybe you’ve switched jobs since buying your home, and your commute is now atrocious. These are all good reasons to ditch your forever home — even if you have no issues with your living space itself.

3. You’ve become house poor — and are tired of it

As a general rule, your housing costs — including your mortgage payment, property taxes, and homeowners insurance premiums — should not exceed 30% of your take-home pay. But if your earnings have changed, or your property taxes or homeowners insurance costs have risen since buying your home, you may be in a place where you’re spending so much money on housing that there’s barely anything left over for your remaining bills.

Being house poor is not a great way to live. It can be stressful and financially damaging. So if you’re in that situation, it’s probably time to move to a different home.

Leaving your forever home behind isn’t always an easy thing. But if these signs apply to you, it means something about your housing situation isn’t working. And in that case, there’s no sense in sticking with a setup that just isn’t right.

Our picks for the best credit cards

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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How Often Should You Shop at Costco?

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The quick answer? It depends on your schedule and needs. 

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When I first started shopping at Costco, it was before kids came into the mix. As such, it was harder to justify buying perishables like milk, certain cheeses, fruits, and vegetables in bulk. And so back then, we used to run to Costco every few weeks to load up on things like snacks and household cleaners — items you can keep around for months without having to worry about them going bad.

These days, though, we go through a lot of food in my house. And so we’ve incorporated a weekly Costco run into our schedule, which helps us rack up a lower credit card tab in the course of shopping for groceries.

If you’re paying for a Costco membership, you may be wondering how often you should be visiting your local Costco. And the answer? It depends on your needs and schedule.

What can a weekly Costco run do for you?

If you have a Costco nearby and you tend to go through perishable items very quickly, then a weekly trip to the store could work to your benefit. You may find that you’re able to spend a lot less on the items you consume regularly than you would at the regular supermarket.

Of course, this assumes you have the time for a weekly Costco trip. If you’re very busy, and if you don’t have a Costco nearby, then a weekly run may not be feasible.

Remember, too, that if Costco isn’t particularly close to your house, then what you save on food, you might spend on gas to get there. So definitely take driving distance into account when deciding how often to shop at Costco.

Now, if you’re someone who lives alone, or with only one other person in your household, then a weekly Costco run may be excessive. But again, that’s going to depend on your specific food consumption habits. Maybe you eat a ton of produce, and so you’re able to finish a bulk load of Costco fruits and vegetables before they spoil. If so, a weekly run could pay off.

Are you getting your money’s worth if you don’t shop at Costco that often?

It may not make sense for you to head over to Costco more than once every month or so. And if that’s the case, you may be starting to question your membership.

So the big question to ask yourself in that case is how much your membership is actually saving you. A basic Costco membership costs $60 a year. If you typically buy things like toilet paper, chips, and cleaning products there, but that saves you $10 a month compared to the supermarket, then you’re saving money.

In fact, the frequency of your Costco trips shouldn’t dictate whether a membership is worth paying for so much as the savings that come out of those trips. You don’t need to shop at Costco every week to get your money’s worth. And if you decide that a single Costco trip every three months is the best cadence for you, then by all means, go for it — as long as you’re getting the savings you expect in the course of a year.

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.Maurie Backman has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.

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No Time to Cook? These Trader Joe’s Meals Can Bail You Out

By Money Management No Comments

Don’t overpay for takeout when Trader Joe’s can come to the rescue. 

Image source: Getty Images

When it comes to food prep in my house, I tend to be very conflicted. See, I happen to like cooking and am actually pretty decent with it.

But there’s one thing I seriously lack when it comes to cooking — time to do it. Not only do I work full-time, but I also have a gaggle of kids who constantly need to be driven somewhere. Between that, my laundry piles, volunteer work, and various other obligations, there are weeks when I barely have time to sleep, let alone spend hours in the kitchen making meals.

For this reason, I tend to rely on takeout during those busy periods. But that’s not exactly good for my savings account. And also, takeout meals aren’t always the most healthy, so I try to limit the extent to which I rely on them.

If you’re someone who’s trying to cut back on takeout but also doesn’t have a lot of time to spend in the kitchen, here’s some good news. Trader Joe’s carries a variety of prepared entrees you can serve up in no time. Here are a few worth checking out.

1. Roasted Garlic & Pesto Pizza with Deep Fried Crust

Although pizza isn’t the most expensive meal out there, ordering it frequently can really add to your credit card bills. Rather than go that route, pick up some of these Trader Joe’s pizzas. For just $5.99 apiece, you’ll get a ready-to-serve pie loaded with unique toppings.

2. Kung Pao Chicken

When it comes to feeling full, a little protein can go a long way. And it never hurts to consume some vegetables for good measure. This Trader Joe’s entree satisfies both criteria. For just $5.99 for a 23-ounce package, you can enjoy dark meat chicken with a host of veggies, from peppers to onions to water chestnuts. Throw this over some rice, and you’ll really have a complete meal.

3. Butter Chicken with Basmati Rice

For many people, chicken and rice is classic comfort food. And if you don’t have time to cook it yourself, you can buy this combo from Trader Joe’s. You’ll get a 12.5-ounce box for $4.49 that’s perfect for anyone who enjoys a good curry.

4. Bulgur Pilaf with Butternut Squash & Feta Cheese

If you follow a vegetarian diet, you might sometimes struggle with a lack of variety in your meals, especially when it comes to prepared foods. But this Trader Joe’s concoction is worth trying out. It combines a delicious grain with sweet butternut squash and some feta cheese for a kick. You can score a 14.1-ounce box for just $3.49.

5. Layered Beef Tostada

Sometimes, you just need a little spice in your life. Enter this layered beef concoction. It’s loaded with tasty enchilada sauce and seasoning, and if you have an air fryer, you can heat it up in roughly seven to nine minutes. Trader Joe’s sells this eight-ounce entree for $3.99.

If you run into a string of weeks when you don’t have time to cook, don’t beat yourself up — it happens to the best of us. But also, don’t be so quick to resort to takeout. You may find that these Trader Joe’s meals do the trick of feeding your family at a fraction of the price.

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.Maurie Backman has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

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