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Shopping can be a fun activity, no doubt. There’s so much to look at, so many items that promise to make life a little better…it can be hard to stay focused on what we need vs. what we want and on what we can afford.

But those impulse buys, even a new conditioner here and a spiffy new phone case there, have a way of adding up. That can leave you wondering why your credit card bill is so high and can derail your bigger-picture financial goals.

It’s OK to give in now and then and splurge on small treats, but it’s also wise to develop better buying habits so you don’t get in the groove of overspending.

Here, you’ll learn just how to do that. Read on for advice on fine-tuning your routine; you’ll see how to make smarter buying choices without feeling deprived.

9 Tips for Building Better Buying Habits

Here are nine tips for building better buying habits that can help those interested in becoming more mindful consumers.

1. Having a Financial Goal in Mind

Motivation is a wonderful tool. To kick off new buying habits people may want to think about what their financial aim is and what they want to save money for in the first place.

This could be as small as wanting to save money for a handbag they really want or to save up to go to a fancy restaurant instead of their usual haunt.

Or, it could be something much larger like saving for a vacation, a wedding, a home, or even for retirement somewhere down the line.

Having a financial goal might make it easier for consumers to prevent an impulse purchase or spend money on something they don’t actually need.

To double-down on this habit try writing down any and all financial goals in a notes app, diary, or even on a piece of paper. Then, stick it in a wallet so it’s with you wherever you go.

2. Giving Every Purchase — Big or Small — a Little Time

Sometimes all it takes to reverse a buying decision is to just sit and think about it for a second. Is this magazine really worth the read, or can the articles be found online? Is this new dress really all that great, and will it be worn more than once?

For larger purchases try to employ the “take a walk” method, which is to literally leave a store, go for a walk, and think about the item a bit more. This way, the initial adrenaline rush and excitement wear off just a bit so a consumer can clearly consider the purchase with fewer emotions attached.

Then, come back, look at the item again. If it still elicits butterflies then it could be worth the purchase. If not, that’s great. Confidently walk away.

If anyone is looking to take this habit to the next level, try employing the 30-day rule. Just as the name implies, those looking to purchase anything nonessential must put the product back on the shelf and step away for a full 30 days.

If at the end of that time he or she still wants the product badly enough they can then return and purchase knowing full well it will bring them a little more joy.

Here’s one more trick to try when using the 30-day rule. Over the 30 days, try saving little by little to purchase the item. At the end of the month, if you decide that product is no longer needed, that cash could be put right into savings.

Recommended: Different Types of Budgeting Methods

3. Coming Up With a Personal Spending Mantra

If taking a walk just isn’t an option, it may be time to come up with a personal spending mantra. Think things like “Keep the memory, get rid of the object,” or Marie Kondo’s, “Does this spark joy?”

Use Kondo’s phrases, or come up with a unique one to use before making any purchase. By repeating the phrase over and over again it will help determine if that object really deserves to take up space in your life and in your monthly budget.

4. Learning to be a Comparative Shopper

There’s so much information just a click away, you never have to settle for the first price tag you see. Finding a better deal could require just a quick online search.

To become a great comparative shopper, you can start small by investigating prices on everyday purchases like groceries. Try looking up a price comparison for milk between high-end grocery stores versus the neighborhood grocer. Then, think about monthly expenses like the internet, cable, telephone bills, and even things like gym memberships or subscriptions.

Can you find a better price for any of these items or negotiate the price down? Go for it and save along the way.

5. Falling in Love With Coupons and Discount Codes Again

Another better buying habit to adopt: Take a minute when shopping to find a few coupons to use in physical stores and discount codes to use online.

There are a number of coupon websites such as RetailMeNot and The Krazy Coupon Lady that can help shoppers hunt down a few discounts when they need them.

There are also services like Honey, which is a plugin you can add to your dashboard that will automatically scour the web for discount codes and plug them right in at checkout.

Long story short, don’t settle for the first price.

Recommended: Ways to Save Money on Clothes

6. Maintaining the Things You Already Have

A hole in a sweater, a scratched coffee table, and a tiny crack in a dish can be enough for some people to run out and purchase an entirely new item to replace the old.

However, rather than tossing something just because it’s a little faded it’s time to learn how to give things a new life. Or, find an expert who can.

For example, rather than buying all new shoes just because the tread is a little worn down, try bringing them to the local cobbler (aka shoe repair). They may be able to replace the thread for a fraction of the price of new shoes. This same idea goes for big-ticket items too.

Consider keeping a maintenance calendar for things like a car’s oil changes, a home’s roof inspections, and more. That way, things will always stay in tip-top shape for longer, and you may, say, save money on your car or home repair costs.

7. Understanding Shopping Triggers

To create better spending habits, it can be worthwhile to take a bit of time to self-reflect and discover why you like to spend money in the first place.

Do you suffer from FOMO (fear of missing out), spending and buying things because friends, family, or a favorite influencer is sporting it on social media?

Do you shop when bored, or are you triggered by something else? It can be important to delve into why you shop so you can avoid triggers that could lead to overspending.

Doing so could also help you reconcile any tendencies to be a compulsive or impulsive shopper.

8. Getting in on the Financial Buddy System

Everything’s better with friends — including creating better spending habits. Just look to working out for inspiration.

According to one landmark study by researchers at the University of Aberdeen, people who work out with a friend are more likely to hit the gym more often than those who choose to work out alone. That lesson can easily be applied to finances too.

Find a trusted friend or family member who can offer real advice when it comes to creating better buying habits.

Make a pact to call one another every time either of you needs a second opinion when it comes to making big purchases, or when you need someone to talk you out of making a silly purchase.

Don’t worry, odds are you’ll return the favor for your financial buddy in no time.

9. Knowing Where Money Is and Where It’s Going

A major part of creating better buying habits is understanding where your money is right now and where it’s going at all times. Don’t shy away from making a personal budget to see how much money is coming in and where it all goes. Budget tracking apps (perhaps provided by your financial institution) can help in this effort too.

Monitoring your checking account will also help you get in touch with your spending habits. Some people find checking in every couple of days a good move.

These moves can reveal patterns that you might be unaware of and also help you see where you might cut back on expenses. That, in turn, can free up some funds so you feel better about splurging when the opportunity arises.

The Takeaway

SoFi Checking and Savings, a high interest bank account, can help you manage your cash better.

With our app, you can transfer money to pay bills directly online and track weekly spending right on the integrated dashboard. You can work towards savings goals with Vaults and Roundups. Plus, you’ll pay no account fees and earn a competitive annual percentage yield, which can help grow your money faster.

Want to create better buying habits? SoFi Checking and Savings could be a first step to help you get there.


SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi members with direct deposit can earn up to 4.20% annual percentage yield (APY) interest on Savings account balances (including Vaults) and up to 1.20% APY on Checking account balances. There is no minimum direct deposit amount required to qualify for these rates. Members without direct deposit will earn 1.20% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 4/25/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
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Source: sofi.com

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The holidays are time for family. Here are some ideas from our friends at Quotacy on how to make the most of this holiday season with your loved ones.

Save more, spend smarter, and make your money go further

The holiday season is a very hectic time, and if you’re not careful, it can easily sneak up on you. If you’re like me, you’ve entered November without much money set aside for gifts or celebrations and you’re starting to sweat about your budget.

Scrambling for cash during the holidays can feel like treading water, but there are lots of opportunities to save money and cut costs if you know where to look.

Make a budget and stick to it

Setting limits on how much you’re willing to spend for each person on your list will help keep you focused on getting the most out of your holiday budget.

Speaking from experience, my family typically sets limits on how much you’re allowed to spend on one another – $50 max for your immediate family, $20 max for any extended family.

In practice, those limits tend to become more like guidelines, but they can help you set a baseline budget to plan for during the holiday months.

Start shopping ASAP

The longer you’re on the hunt for deals, the more likely you are to stumble across them. If you can get started before December actually begins, you can scoop up a few amazing deals during Black Friday and Cyber Monday.

Keeping your eyes peeled early on in the holiday season can give you more time to consider exactly what you want to get for each person. Being alert and keeping an eye on those items will help you pounce on flash deals as they come up.

Automate your savings

If you’ve got a savings account that offers automatic deposits, cranking up the rate at which money goes in can help you grow a holiday budget without even thinking about it.

When I need to save money in the short term, I tend to pump up my weekly contributions to my savings account. This helps me lock my money away until I’m sure I want to spend it.

Cancel a few subscriptions

Even though cold, snowy days are perfect for curling up on the couch and bingeing a show on Netflix or Hulu, taking a month-long break from a few of your subscription services can help give you a bit more breathing room for gifts and events.

Pick one service you absolutely can’t live without to keep you entertained, and use the subscription fees for the rest of them to spruce up your holiday party with a few extra treats. Then, when you come back to them in January, you’ll have a whole new set of shows to power through.

Cut down on trips out

This is an evergreen savings suggestion, but during the holidays, opting to stay in could help you save more than just the price of dinner.

If you’re in an area that gets snow, the increased traffic will make each trip out burn through more fuel. Additionally, bad weather increases your odds of being involved in an accident, so staying in can often mean staying safe.

Check your pockets

If you’re like me, you’ve probably forgotten about some of the things in your wallet. However, taking the time to dig past your go-to cards can reveal some hidden treasures.

First off: Gift cards. Got 5 bucks left at Starbucks? Surprise a family member with a bag of nice coffee. $3 left over at Target? That’s a couple of candy bars to fill a stocking.

If you’ve got rewards points or cash back built up on your cards, the holidays can be a good time to spend them. Performing a self-audit on your wallet can help you discover money that you didn’t know you had.

Combine your orders

Do you ever notice how stores start promoting big purchase sales around the holidays? “Spend over $300 and get 15% off!” This helps them incentivize shoppers to spend more. You can take advantage of this by teaming up with a friend to get both of your holiday shopping done at once.

In addition to saving more on a bulk order, you’ll be able to take full advantage of BOGO deals without having to find somewhere to put the second item.

Who knows, you might catch them eyeing something they want, and be able to take another trip back and cross them off your list.

Look everywhere for coupons and deals

Everyone knows about online coupons these days, but there are many more ways to save if you know where to look.

Digging through your junk mail can be a good way to scoop up deals from local stores. Local businesses will also offer discounts via local newspapers and magazines as well, so popping by a magazine rack can help you track down deals in your area.

Many crafters, artists, and other small creators who own Etsy stores or eBay accounts are also looking to make a bit of last-minute money to spend on their families.

Established creators often put their excess stock on sale in the weeks before the end of the year, and many artists take extra commissions to help them pay for their own celebrations.

Buy (or make) a few cheap “quickie” gifts

Going out and tracking down trinkets for everyone in your office can be time consuming, and it’ll drain your holiday savings, too.

Instead, taking one trip and buying several of the same inexpensive gift at once can help you be sure you aren’t empty handed when a surprise gift-giver catches you off-guard.

For example, you can wrap up cocoa packets, candy canes, and mini marshmallows, then give them out as instant cocoa sets. For bonus points, head to a thrift store and buy a few mugs to include as well.

Turn your holiday parties into pot lucks

Another perennial favorite – pot lucks! If you’re hosting a dinner party, asking your guests to help out with dishes can add variety to the meal, as well as saving you money.

Have your guests bring hot food in crock pots, or let them show up early with food that’s ready to cook. Appetizers and finger food work great for this, and a menu made out of those options often ends up being more fun than a sit-down dinner.

Change up your gift-giving traditions

Instead of spreading yourself thin to get your entire family or office gifts, organizing a secret Santa pool can help you focus on finding something meaningful for one person in particular.

If organizing a secret Santa exchange is too complicated, a white elephant party is a fun way to recycle old gifts you’ve never gotten around to using. Who knows, your secondhand waffle iron might be exactly what someone wants!

Eric Lindholm moved from sales to communications at Quotacy. His writing is informed by his experience guiding hundreds of people through their own life insurance buying journey. Eric lives in Minneapolis, where his coworkers are trying to convince him to start his own podcast, do stand-up, or take his humor into the spotlight. Connect with him on LinkedIn.

Save more, spend smarter, and make your money go further

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There are five sleeps left until Christmas. Are you as unprepared as I? There’s no shame in that game. Life is just too busy sometimes. If you can’t squeeze in an IRL shopping trip (though the slow-shopping experience is actually rather uplifting), thankfully things like Prime have been invented. There are always those last second gifts that leave you a little stumped. Stocking stuffers, the gift for that last Christmas cocktail party, your best friend who already has everything. But you don’t have to resort to cheesy mugs, bad t-shirts or other tchotchkes. With just a little extra online sleuthing you can, in fact, find some pretty dang looking gifts that will get to your front door with just enough time to wrap up and get them under that tree. Btw, if you think this shopping list might be self-serving because it represents everyone I still need to shop for, you might be right.

1. Showing up at a Christmas party empty handed is a major faux pax, but showing up with a bad bottle of wine is even worse. Why not gift something your host can enjoy long after all of the holiday trimmings are put away. An oversized marble candle is a nice step up from any old candle that you see everywhere. ($29)

2. I’m always hunting for the perfect little stocking stuffer that isn’t just total cheap crap. This lip tint by the organic skincare line Herbivore has purdy packaging and a universally flattering color. ($28)

3. There’s nothing I enjoy more than girl talk over good wine with a best friend. These rose gold tripped wine glasses would be a welcome addition to anyone’s bar. ($65)

4. If you know a cooking enthusiast, it can be tough to find them something interesting, but this cookbook featuring traditional Venetian dishes from famed restaurant Polpo would offer any home-cook a fun challenge. And I’m not just saying that because I honeymooned in Venice and am obsessed with food there and might want this book to show up under my own tree! ($34)

5. There are a lot of flasks out there. This is not a new nor groundbreaking idea for gifts for the guys, but if you’re serious about you guy having a little nip, give him a serious flask. This flask, sold at retailers like REI, is designed for the outdoorsman. It’s made of stainless steel, is leakproof and has a lifetime warranty. Leave those wanna be flasks at Urban Outiftters alone. ($16).

6. Moms seem to always love Christmas decor, but instead of another set of cheesy hand towels, why not give her a piece of cool modern holiday decor like this christmas tree will add cool touch to next year’s holiday trimmings. ($32)

7. Everyone loves cute animals, but they’re particularly fabulous in a nursery. This art print of a highland cow is so dang cute, I’d be happy seeing it anywhere in my house but I think a new mom would be so excited for something that lasts longer than a onsie or an overpriced pair of baby moccasins. ($25)

8. A salt and pepper shaker can be a pretty ho-hum gift, but this set designed by modern home furnishing brand Menu, shows you didn’t just grab something off the discount isle at Target – aka, you care . ($70)

For rest of our Gift Guides, including for Kiddos, Neat Freaks, Coffee Aficionados, Art Lovers, Dinner-Party Throwers, the Hostess with the Mostest, Decorators, Workaholics & Fashionistas, CLICK HERE

I’m also pinning more of my favorite gift picks HERE

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Whether you like to pedal around on city bike paths or log several miles a week in training, there are cities where you can pursue the passion of cycling within easy reach of your rental.

Cycling for recreation and fitness has really taken off in the United States in the past ten years. American cities are not only reacting to but also planning for residents’ desire for safer and more plentiful bike paths, bike lanes and cycling opportunities.

Here are some cities to check out if you love cycling, and why you’ll love living there . . .

Austin

Texas’ own Music City has long attracted folks who love the outdoor lifestyle, its temperate winter climate and natural water features all part of the draw. Add to that a rolling terrain and multiple bike trails and you’ve got a recipe for happy cyclists. The Lance Armstrong Bikeway shares its moniker with the city’s most famous resident, while the Shoal Creek Bike Trail and Southern Walnut Creek Bike Trail offer additional pedaling opportunity. Austin’s south side is home to the 3-mile Veloway. Loop 360 is also easy and affords beautiful views, as does the Willow City Loop, which bursts with spring bluebonnets. Serious cyclists head for workouts on FM 2222, a 10-mile challenge that will have you bragging if you successfully make the climb. A host of cycling events keep calendars full, for riders of all skill levels.

Check out Austin apartments.

Boulder, Colorado’s Chautauqua Park has trails

Boulder

With the Flatiron Mountains as a backdrop, scenic Boulder has a vibrant bike culture you simply can’t miss. Mountain biking, road cycling, infamous community events, bike share programs, gorgeous trails, and even 24-hour bicycle-related vending machines are all part of the package. If you live here, you can be part of the massive community which commutes by cycle, thanks to the city’s temperate climate. The leisurely Boulder Creek Path winds its way along the city’s namesake creek, toward Boulder Canyon, while mountain bike options are really exciting. Check out Marshall Mesa with its Flatirons views; the Canyon Loop Trail, with views of Boulder Canyon; and the steep challenges of Walker Ranch Loop, west of the city. Cyclists of all skills levels – even toddlers – can have fun on two wheels at Valmont Bike Park.

See all Boulder apartments.

Boston

Lovely Boston now brims with recently-created opportunity for cyclists. The Charles River Esplanade (aka the Dr. Paul Dudley White Bike Path) is a stunning urban greenway with views galore – of the Boston skyline, local boats, and the famous colleges of Cambridge. The city has its own bikeshare program if you can’t yet purchase your own bike. Boston’s enticing cycling destinations include the rolling 3.5 mile Franklin Park loop; the gorgeous Emerald Necklace and The Fens (designed by Fredrick Law Olmstead of Central Park fame); the 7-mile run from Audubon Circle to Chestnut Hill Reservoir; the 5-mile Southwest Corridor to Jamaica Plain; and the 7.7 mile stretch from the JFK Museum to scenic Castle Island.

See all Boston apartments.

Chicago

Chicago’s 200 miles of bike lanes and its 18.5 mile Lakefront Trail help contribute to the city’s reputation as a great city for cycling. Chi-town has seriously invested in cycling as part of its infrastructure, offering residents a wildly popular bikeshare program, more than 13,000 bike racks and sheltered bike parking at its metro rail stations. Off-road dedicated routes include the North Shore Trail, the Dawes Park Trail, the Northerly Island Park Trail and the city’s signature Lakefront and Riverfront Trail, which stretches for scenic mile after mile.

Check out Chicago apartments.

Denver, Colorado attracts cycling enthusiasts

Denver

More than 85 miles of paved trails connect Denver cyclists with local attractions, beautiful parks and even hundreds of miles of dirt trails. Move here with your bike and The Greenway Trail will probably become a big part of your life: it runs for an astounding 30 miles, linking some outrageous riverside parks that line the South Platte River. Denver’s Cherry Creek Bike Trail is popular and pretty, its 40 miles containing the Front Range Trail, an off-road trail which will (sit down for this one) eventually stretch from Colorado’s northern border with Wyoming to the New Mexico state line.

Find Denver apartments.

Greenville

The smallest metro on our list, beautiful Greenville, SC has been making all sorts of national lists. Cycling is huge here, thanks in part to  renowned champion cyclist resident George Hincapie (former training partner of Lance Armstrong) whose own Gran Fondo event attracts thousands of cyclists each fall. Local terrain is rolling, due to being in the foothills of the Blue Ridge Mountains. The countryside is hard to beat for pleasure rides, but the city’s paved Swamp Rabbit Trail stretches for 15 miles from Greenville Technical College through Cleveland Park and downtown, to Furman University, the quaint town of Travelers Rest and on toward the North Carolina state line. Cycling events happen throughout the year, and support for the sport is obvious by the number of relevant local shops (find Pedal Chic) and social clubs.

Tons of new apartments are opening downtown in 2017; check Greenville apartments.

Indianapolis

It might be more famous for its four-wheeled vehicles but Indianapolis is very popular with the cycling crowd. Indycog, the city’s bicycle advocacy, has created a cool map that not only shows the bike lanes and greenway trails, but also ranks each of the city streets in terms of accessibility, traffic and other factors affecting cyclists. A panoply of community and competitive bike events stud the summer calendar; the most memorable might be July’s 19-mile N.I.T.E. Ride, its after-party lasting until the wee hours. And if you like pedaling from brewery to brewery, you will love living in Indianapolis.

Check out Indianapolis apartments.

Minneapolis

Prince’s hometown has actually been ranked as high as #2 for Bicycling Commuting Cities in the USA.  Summers and fall are fantastic for cycling, and with the right clothes, you can enjoy your sport in spring, too.  (Fatbike events even happen in January!) The Minneapolis Bike Map – available in bike shops and libraries across the city – is heavily laced with options for pedaling: off-street bicycle trails, on-street bike lanes, shared lanes. Bike shops are plentiful and cycling events from May through October are too numerous to count.

Find Minneapolis apartments.

Portland is a bike-friendly city

Portland

The City of Portland has published a killer bicycle map, clearly showing dedicated and shared bike lanes, neighborhood greenways, no-car paths and even tricky intersections. The most popular bike path is undoubtedly the one lining both sides of downtown’s Willamette River, and traversing both the Hawthorne and Morrison Bridges. Several bike clubs organize rides and special social events, while bikeshare programs and bike shops are plentiful. Currently, 350 miles of bikeways exist and 50 more miles are planned. Over 7% of Portland commuters do so by pedaling: the highest rate of any U.S. city.  Bicycling magazine and the League of American Biyclists have both ranked this city #1 for cycling.

Check out Portland apartments.

San Francisco

The hills of San Francisco are easier to navigate on bike with the handy-dandy map offered by the San Francisco Bicycle Coalition. Shared and protected bike lanes are clearly marked, thanks to a true dedication to the cycling community. “The city by the bay” has also installed bike corrals on several of its streets. Best of all, San Francisco has even timed its street lights to about 12 mph, slowing cars so cyclists can pedal the full length of busy routes without a hassle. What more could you want? Fast and friendly” cyclists will be welcomed to the San Francisco Cycle Club, which races other clubs when it’s not planning or hosting its own social events.

Check out San Francisco apartments.

Seattle

Seattle’s Cascade ­Bicycle Club has a whopping 14,000 members: the largest cycling club in the USA. While road and path cyclists cross all demographic lines, the mountain bike scene is also alive and well, thanks to a couple of killer urban parks. Seattle’s not flat, but dedicated two-wheel commuters comprise 4% of the population. Seattle is bursting with bike shops, bike rental companies and bikeshare programs. Summer brings a wealth of cycling events, and residents love the Burke-Gilman Trail, a 20-mile-long former rail bed along Lake Washington’s shoreline. Several gorgeous regional cycling routes are reachable via public transportation.

Check out Seattle apartments.

Washington, D.C.

A champagne introduction might start with a DC Cycling Concierge tour. But you’ll also enjoy simply exploring Rock Creek Park Trail, the Anacostia River Trail, the Capital Crescent Trail, the Custis Trail and the W&OD Trail. The bike-friendliest neighborhoods, each winning a Washington Area Bicyclists Choice Award for 2017, are Capitol Riverfront / Yards Park; NoMa; and Golden Triangle (in D.C.); and Crystal City (in adjacent Virginia). Social and competitive rides happen throughout much of the year, and several local businesses – including District Taco, The Java Shack and Vigilante Coffee Company – cater to two-wheeling patrons.

Check out D.C. apartments.

SEE ALSO:  Which Cities Give You the Most Bang for your Buck

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Big-city amenities, small-town comfort, and a quick commute to Salt Lake and Ogden can all be found in Davis County. If you’re looking to move into this cozy-chic area, we’ve got your guide!

Cities to Fall in Love With

Davis County is the state’s third-largest—home to Layton, Farmington, Bountiful, Kaysville, and Clearfield. There are also a few smaller communities including Fruit Heights, Sunset, Woods Cross, West Point, Syracuse, South Weber, Clinton, and Centerville. This diverse city has plenty to offer for everyone! From thrill seekers to history buffs, you’ll want to check out this northern attraction.

A History Worth Documenting

Davis County was founded back in 1850 and still pays homage to its roots in several places, whether you want to step back in time at Pioneer Village in Farmington or catch a history lesson at the Layton Heritage Museum, Bountiful Historical Museum, or The Whitaker in Centerville. The area is rich with learning opportunities and chances to learn more about your new neighborhood.

The Main Attraction

There are so many things to love about Davis County, but we have to say the thing we love the most is the family-centric feel.

Growing Together

Davis county has plenty to do for young families, and one of the biggest draws is the educational system. The Davis School District is a proud Best in State award holder. With over 50+ elementary schools and eight high schools, you’re sure to find the right fit for your children

After the K-12 years pass, there’s no need to go far for a post-secondary education. Weber State is nearby but so are Salt Lake Community College and the University of Utah. If you’re looking for something a little different, Davis Technical College is a great option!

Eat Your Heart Out

No, really. There are tons of places to visit for foodies of all kinds. Got a sweet tooth? Check out Mrs. Cavanaugh’s Chocolates and Ice Cream. If you’re into local dinner fare, check out Arella Pizzeria, Pace’s Dairy Ann, or Holy Smokes BBQ. Feeling adventurous? Visit Argentine Corner or Fuji Sushi.

Lunch anyone? Two stops that cater solely to midday meals include the county’s top rated restaurant on Yelp, Vitos, and Beehive Bakery and Cafe in Bountiful. If you have artisan breads (or donuts and pastries) on your mind, Bunbasketand Parson’s Bakeryare sure to please.

It’s a Davis County Thing

Some things happen only once a year. In Davis County, these include the annual bison roundup on Antelope Island(fall), baby animals day at the USU Botanical Center in spring, and summer’s Davis county rodeo and fair. Opportunity doesn’t stop in mid-winter either. While some people choose to huddle close to a fireplace in their own home, it’s equally as cozy watching migrating bald eagles at Farmington Bay. Just be sure to bundle up.

Drive Easy

Davis County may be one of the LEAST out of the way places in the world. With most communities positioned on the I-15 corridor, it’s a quick trip to work from anywhere in Davis County, whether you work in Salt Lake, Ogden, or somewhere in between.

Hate to drive? You’ll be covered with FrontRunner, and its stations in Wood Cross, Layton, Clearfield, and Farmington. Stop for a morning beverage on your way at the very local World’s End Coffee.

On top of convenience, the Farmington UTA stop is right next to one of the most innovative shopping/transit communities in the area, Station Park. There you’ll find shops, restaurants, and office space, all walking distance of Frontrunner’s Farmington Park and Ride.

The Great Outdoors

Someone tell you to take a hike? There are literally more than 500 miles of trails in Davis County. Favorites include Antelope Island (the first-day hike on January 1is a chilly blast of fun for the new year!) and Adams Canyon Trail and waterfall—or even the trail system bordering the Legacy Highway.

Like all of the Wasatch Front, skiing is a short drive away for Davis County’s 300,000+ residents. Best bets on a crowded day: Snowbasinand Powder Mountain. Reach the pair by heading east on I-84.

Utah’s top amusement park, Lagoon, calls Farmington its home. While you won’t find rides running mid-winter, Lagoon has spring, fall and summer hours. Best bet for residents: Get a season pass that gets you in all season long. You’ll want to go more than once.

You can also play a round of golf at a number of challenging courses in the area, including Valley View Golf Course, Oakridge Country Club (current home of the Utah Championship), Glen Eagle Golf Club, or eight others. Find a complete list of Davis County courses here.

Fun Doesn’t Have a Bedtime

Time of day doesn’t matter—in Davis County, you’ll find opportunities to relax day or night. For example, schedule a time to visit a Sego Lilyspa or ramp up the action with the kids at Classic Fun Center in Layton. As the sun goes down, take in a live performance at Kaysville’s Hopebox Theater or a big-name, outdoor concert at the (Foreigner, Styx and Chicago can’t be wrong). You can also wrap up a busy day with a movie at one of the seven theaters in the area, followed by a bite to eat and a drink at Rooster’s in Layton—with some of the most unique micro-brewed beers in the state.

Join the Davis County Family

Does one of the many thriving cities in Davis County speak to your soul? Start browsing homes for sale in the area now or learn more about how to buy with Homie!

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Source: homie.com

Apache is functioning normally

This guide was written in an attempt to help my wife & I save money when dining out. Over the last 6 months we have adhered to its principles allowing us to save ourselves a lot of money while still enjoying time away from home every once in awhile. I wanted to share our guide with you in order to help you cut back on your restaurant spending without having to completely cut it out.

When used, the techniques listed below often yield unexpected benefits in addition to simply saving a dollar here & there. Several of these benefits include:

  • An excitement for frugality – Anyone employing similar methods can vouch for the fact that once you begin practicing frugality in any way, it becomes exciting to see how much money you were blowing but now are able to save. Try incorporating frugality into your life when eating out. It may sound silly at first, but when you get that first restaurant bill after using the following methods you’ll understand just how exciting it can become.
  • A renewed sense of excitement about dining out – Before attempting to cut back on the frequency of dining out, my wife & I found that we just were not enjoying it like we used to. Once we stopped going out to eat three to five times per week, we rekindled our love with the restaurant experience.
  • Less of a “nit pick” – When you go out to eat a lot, and you spend a lot, you expect a lot. Thinking back to our experiences prior to our newly adopted frugal lifestyle, my wife & I spent most of our time complaining about what was wrong with this & that instead of focusing on the benefits of the experience itself. Now that we dine out less often, and are very conscious of the entire process, we are more appreciative and patient patrons.

These benefits did not take a long time to be realized. We noticed the first time we began using these techniques we had a much greater joy & improved attitude regarding our restaurant experience. I am absolutely sure you will have the same opinion, so let’s move on and get into the meat of this article. Some of these tips are written to help you eat out less; while most of them will help you cut down on your costs when you do dine out.

Reconsider – Shouldn’t You Just Eat At Home?

This should be your first line of defense when tempted to eat out. My wife & I used this advice just last Friday and saved ourselves between $20 – 40. We decided to stay home and ended up cooking up a nice sized portion of chicken pasta that lasted us for 3 days! We try to limit our dining out to special occasions, and maybe one “just because” night out per month.

Use Coupons To Decide Destination

Having trouble deciding where to go? Visit Restaurant.com and see if they offer any discounts in your area. A lot of times you can buy gift certificates worth $25 for only $10. Keep in mind that most times you cannot use the coupons for alcohol, tip, or in combination with other offers. Also check out if there is an Entertainment Book put together for your area. These books cost a minimal amount, and if used properly can yield savings many times their cost. Let your coupons determine where you will eat. This can actually make it more exciting as you may get to try a place you have never been before, and may have never visited if it were not for your coupon!

Set Spending Limits

Use a ceiling amount you allow yourself to spend and do not surpass it. This can also make the experience more fun as you try all kinds of new menu combinations to try & stay within your budget. It can become a competition to see who can get the best meal yet spend the least.

Order “To Go” If Possible

When ordering “to go” you will not have to buy drinks or desserts, you will not have to face the dreaded “upsell” (see below), and you will not be expected to pay gratuity. All of this will work together to keep your money where it belongs…in your pocket. Although this scenario does not give you the whole “dining out” experience it will offer you a break from cooking & cleaning up at home.

No Upsells!

In restaurant lingo, an “upsell” is anything the server or restaurant staff will offer you in addition to your meal. Normally as soon as you sit down they will not only ask what you would like to drink, they will suggest some expensive mixed drinks, or something of the like. Instead of ordering a soda, coffee, tea, juice, milk, bottled water, or any other type of drink…simply order a glass of tap water. Betsy & I notice that most restaurants are charging between $1.75 and $2.25 for these beverages.

After drinks, they will most likely try to upsell you with an appetizer. While ordering they will want you to get extra “add-on” items like mushrooms and onions on your steak. After your meal you will be asked if you would like any dessert…and maybe even some coffee to go with it! Although these things sound good, you can imagine how much it will end up costing over the course of one meal. Aside from staying home to eat, this may be the single best way to avoid high dining bills. Just stick to the entrees and whatever comes with them that is included in the price. Not only will this save your wallet, it will also save your waistline!

Order Frugally

Instead of the Alaskan king crab & 1lb Maine lobster tail meal, order a nice healthy stir fry or a chicken pasta dish. Remember that you have a spending limit that you set for yourself in step 3 that you must adhere to. If you do order an expensive meal, try to wait for a special occasion, use a coupon, or wait until the restaurant is running a special on the dish.

Split Extras – If You MUST Have Extras…

If you just have to have an appetizer or a dessert, try to split with the other diners in your party. Better yet, why don’t you just wait until you have a coupon for a free appetizer or dessert? Also, keep in mind that a lot of restaurants have free appetizers at different times during the day, so if you must have that Bloomin’ Onion, go during happy hour!

Order Off Kids Menu

My wife has been known to order off the kids menu at different times. Although she does not do this often, some may find that a child’s portion is more than enough for them. The child meals are always much cheaper than the adult size meals.

Order Off Senior Menu

Similar to the children’s menu, many restaurants have a seniors menu. Although all may not let you order off it unless you are indeed a senior, it never hurts to ask. A lot of times in life we miss opportunities because we simply fail to ask! Also like the children’s menu, the seniors menu has prices that are reduced with smaller portions. If both of these options fail attempt to ask the waitperson if you can order a half portion or a lunch sized portion. Again, it never hurts to ask.

Split Meals

This is one of my all time favorites! I always feel like I’m pulling one over on the restaurant when my wife & I order one meal to share. We ALWAYS end up well fed, satisfied, and happy with the fact that we just cut our dining bill in half! For Valentine’s Day this past year we visited one of our favorite restaurants, ordered & split their monthly international five course meal, and got out of there for just over $20…on Valentine’s Day!

Eat Half – Save Half

This is a phrase I coined that simply means to purposely eat only half your meal with the full intention of taking the other half home. My wife & I use this trick when we cannot decide on a meal to split. We simply order separate meals, eat half, and then take the other half home to have as leftovers for the next day. This way we get 4 meals for the price of two. It also helps us to not overeat when we have a huge portion of restaurant food in front of our faces…once again helping the waistline & the pocketbook!

Using these tips, tricks, & money saving methods my wife & I have been able to reduce our monthly budget for dining out from $450/month down to less than $100/month. That is a savings of over $4,000 annually, and is now being direct deposited into our savings account.

If we submit ourselves to God, and are faithful in the little things, according to His Word God will in turn bless us with much.  Let me bring to your attention the parable of the noblemen and his servants in Luke chapter 19:

“He said therefore, A certain nobleman went into a far country to receive for himself a kingdom, and to return.  And he called his ten servants, and delivered them ten pounds, and said unto them, Occupy till I come.  But his citizens hated him, and sent a message after him, saying, We will not have this [man] to reign over us.  And it came to pass, that when he was returned, having received the kingdom, then he commanded these servants to be called unto him, to whom he had given the money, that he might know how much every man had gained by trading.  Then came the first, saying, Lord, thy pound hath gained ten pounds.  And he said unto him, Well, thou good servant: because thou hast been faithful in a very little, have thou authority over ten cities. And the second came, saying, Lord, thy pound hath gained five pounds.  And he said likewise to him, Be thou also over five cities.  And another came, saying, Lord, behold, [here is] thy pound, which I have kept laid up in a napkin:  For I feared thee, because thou art an austere man: thou takest up that thou layedst not down, and reapest that thou didst not sow.  And he saith unto him, Out of thine own mouth will I judge thee, [thou] wicked servant. Thou knewest that I was an austere man, taking up that I laid not down, and reaping that I did not sow:  Wherefore then gavest not thou my money into the bank, that at my coming I might have required mine own with usury?  And he said unto them that stood by, Take from him the pound, and give [it] to him that hath ten pounds.  (And they said unto him, Lord, he hath ten pounds.)  For I say unto you, That unto every one which hath shall be given; and from him that hath not, even that he hath shall be taken away from him.  But those mine enemies, which would not that I should reign over them, bring hither, and slay [them] before me.”  Luke 19:12-27

Though it may seem silly, we need to be faithful in all areas of our lives, even going out to eat.  The Lord will see your efforts and will bless them according to His Will.  Praise the Lord!

I am including both a .pdf & .png version of my Frugal Dining Reference Card with this post. Please download this card, shrink it to whatever size you would like, and store it in your purse or wallet for quick reference use when dining out.

Download “Frugal Dining Reference Card”

FrugalDiningReferenceCard.pdf – Downloaded 1200 times – 75.00 KB

This post was written by Matt Jabs.  Check out his sites Debt Free Adventure or DIY Natural for more frugality and healthy eating tips.

Source: biblemoneymatters.com