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13 easy ways to save money in 2016
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Its surprisingly easy to save a few dollars here and there, and those dollars quickly add up. Here are a few low-effort resolutions for building your bank balance back up in the new year. - photo by Sarah Brown
After the holiday season comes the annual spare-change scramble. Having spent so much on gifts and travel, you may be looking at your bank account with a bit of alarm and hysteria. Dont get too stressed, though you dont have to make drastic lifestyle changes to survive. Its surprisingly easy to save a few dollars here and there; and those dollars quickly add up.

Food and groceries:

1. Bring lunch to work

If you spend around $5 every day for lunch, that adds up to nearly $100 per month for a small convenience. Its healthier and costs a lot less to make your own food and bring it with you. Fight the food truck urge and use that extra cash for something better.

2. Buy groceries in bulk

Its no wonder extreme couponers have huge food storage; its often much cheaper to buy in bulk than it is to buy pre-packaged foods, especially if you keep an eye on sales and promotions. As an added bonus, bulk foods have less packaging, making this an eco-friendly effort as well.

3. Stick to a shopping list

Grocery stores are built to promote impulse buying. And you probably dont need those extra snacks after the holidays anyway. If you keep a shopping list and stick to it, you can avoid overspending on unnecessary items.

4. Drink water

If youve made a New Years resolution to eat healthier, then swapping expensive drinks for water is a good move. Youll lose weight and save money, too sodas and energy drinks take from your wallet and add to your thighs.

Technology

5. Change phone plans

Youll never get rid of your phone, but why should you pay more than someone else? While the big telecommunications companies offer name-brand recognition, there are plenty of smaller service providers that offer cheaper plan options. Find an alternative plan and save big without sacrificing service.

6. Switch to satellite

From work to fueling your Netflix addiction, Internet is a necessity. Satellite Internet has all the benefits of cable with a lower cost . You can save money every month by switching to a cheaper satellite plan or bundling your satellite Internet plan with your TV service.

7. Buy used or refurbished devices

While it can be fun to have the newest device, its not always the most cost effective. But you dont have to give up technology to save money. Electronics are significantly cheaper when purchased used or refurbished, and they usually work just as well as their newer counterparts.

Finance and investing:

8. Budget, budget, budget!

Staying organized will help you cut back on unnecessary expenses. A budget can provide you with a birds-eye view of where your money is going, making it easier for you to pinpoint any excessive spending habits. If youre not confident in your budgeting abilities, try a nifty budget app to keep your finances in order.

9. Switch to a high-yield savings account

Change may not be your favorite word when it comes to banking; but not all banks offer great savings rates sometimes they dont even match the rate of inflation. Pay attention to savings account interest rates, and switch to a higher yield savings account if possible even if it means switching to a smaller bank.

10. Automate savings and investments

It can be hard to commit to saving regularly. You can make it a little easier by setting your paycheck to automatically deposit a small portion of your earnings into savings. Automating the process helps ensure you wont forget or fritter away your investment.

Lifestyle:

11. Commute with public transit

If you switch to public transportation for your daily commute, you can save a lot of money on gas and parking. When the weather warms up, biking is a great alternative to driving as well. This change will do a lot of environmental good, too. Plus its more enjoyable to sit and read or listen to podcasts on a train than it is to languish in traffic.

12. Moderate your thermostat usage

Heating and air conditioning is one of those expenses we accidentally ignore when it gets too hot or cold, especially if you live in a more extreme climate. Setting your homes temperature a few degrees above where youd normally put it in the summer or below where youd put it in the winter wont drastically affect your comfort level, and youll definitely notice the savings in your power bills.

13. Shop sales

Why would you pay full price for anything when sales are inevitable? You can stay money savvy while still staying stocked with everything you want and need. Most retailers offer major sales throughout the year, so plan your purchases accordingly.

Saving money doesnt have to be hard. These changes are small and can happen a little at a time. Remember unconscious spending leads to overspending. So make a plan and stick to it, and youll have less stress and more money in no time.
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How to avoid 'sharenting' and other paparazzi parenting habits
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A recent study revealed parents often spend up to two hours staging a single photo of his or her child to post online. - photo by Amy Iverson
Before having kids, some people just dont appreciate their friends baby posts. But after having a child of their own, three fourths of new parents jump right on the parental social media bandwagon. If you have become a member of this group, there are some rules to follow for posting responsibly.

Much of a parents worry is how to teach their children to use social media responsibly. We talk with our kids about privacy, oversharing, and setting restrictions on their devices to keep them safe. But parents themselves need to look in the digital mirror once in a while. Before having children, it doesnt take as much effort to think about what to post online. Its up to us to decide what we share about our own lives. But once you become a parent, there are many questions to think about regarding what is appropriate to post about your kids on social media.

In a recent survey, kids clothing subscription company Mac and Mia surveyed 2000 new parents to find out how they are documenting their kids lives on social media, and what concerns they may have.

First of all, people without children seem to feel a bit differently about the onslaught of baby pictures online than those who are parents. 18 percent of people say before they had kids, they were annoyed by their friends baby posts. But after having children of their own, 73 percent admit they post progress pictures of their little ones every single month.

Not only are new parents letting the world know each time their baby is a month older, but they are posting about their kids every few days or so. Men and women report they post 6-7 times per month about their baby.

And while 70 percent of new parents say the benefit of using social media is how easy it is to help family and friends feel involved, there are some downsides. Here are a few tips to avoid the pitfall of becoming paparazzi parents.

Dont miss the moment

In the Mac and Mia survey, some parents admitted to spending up to two hours to get the perfect shot of their baby. That seems a little extreme. New and old parents alike should be careful about spending so much time taking pictures and videos that they dont enjoy the moment. Years ago, I decided to never live an experience through my phone. A study by Linda Henkel, a psychology professor at Fairfield University in Connecticut, found that when people took pictures of objects in an art museum, they didnt remember the objects as well as if they simply observed them.

This photo-taking impairment effect can happen to parents as well. If we are so consumed by getting the perfect photo, we can miss out on the moment all together, and our memory of it will suffer.

Dont forget about privacy

60 percent of couples say they have discussed rules and boundaries for posting their babys photos, according to the Mac and Mia survey. Even so, men are 34 percent more likely to publish baby posts on public accounts. If parents are concerned about their childrens privacy, keeping photos off of public accounts is a given.

In the Washington Post, Stacey Steinberg, a legal skills professor at the University of Florida, and Bahareh Keith, a Portland pediatrician, wrote that sharing too much information about kids online puts them at risk. They write that all that sharenting can make it easier for data thieves to target out kids for identity theft. Check that your privacy settings are where they should be and never share identifying information like full names and birth dates.

Dont be paparazzi parents

36 percent of parents say they take issue when their childs photo is posted online by someone else. Responsible social media users will always ask permission before posting a photo of another child. But parents should also think about whether their own children will take issue with their own posted photos a few years down the road.

When parents are constantly snapping pictures and throwing them on social media, it can be easy to forget to pause and make sure the post is appropriate. I always use the billboard example with my kids. I ask them to picture whatever they are posting going up on a billboard in our neighborhood. If they are okay with that, then their post is probably fine. Parents should ask themselves this same question when posting about their children. But they should also ask themselves if their child would be OK with this post on a billboard in 15 years. If it would cause embarrassment or humiliation, it might be best to keep it private.

Once children reach an appropriate age, parents should include them in the process of deciding what pictures are OK to post. Researchers at the University of Michigan surveyed 10- to 17-year-olds and found children believe their parents should ask permission more than parents think they should. The kids in the survey said sharing happy family moments, or accomplishments in sports, school and hobbies is fine. But when the post is negative (like when a child is disciplined) or embarrassing (think naked baby pictures or messy hair), kids say to keep it off social media.
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