Eligible Discover cardholders will save at the pump this summer and when they make purchases without swiping a card.
Gas stations (including public electric vehicle (EV) charging stations).
Digital wallets.
While gas stations return as a Discover bonus category for the 10th consecutive year, digital wallet payments like Apple Pay and Samsung Pay are making their second appearance. Be sure to add your eligible Discover card as the default payment method in your digital wallet so you don’t miss out on those extra rewards. Note that using digital wallets to make purchases at gas stations will earn only a total of 5% back (up to the combined spending cap).
Discover bonus rewards categories for 2023
Q1 (Jan. 1–March 31)
Grocery stores*.
Drugstores.
Select streaming services.
Q2 (April 1–June 30)
Restaurants.
Wholesale clubs.
Q3 (July 1–Sept. 30)
Gas stations.
Digital wallets.
Q4 (Oct. 1–Dec. 31)
TBD (In 2022: Amazon.com; digital wallets).
*The grocery stores category does not include grocery purchases at Walmart or Target or at other superstores or wholesale clubs.
🤓Nerdy Tip
For the first time in the past five years, Discover has elected not to release its entire 5% bonus calendar all at once in January, meaning cardholders must wait for categories to be revealed quarterly. The release of the full year’s bonus calendar had been a distinctive feature, making it easier for cardholders to time their purchases. But this move puts Discover in line with other 5% rotating-bonus-category cards, like the Chase Freedom Flex℠.
Bonus categories can be activated online at Discover.com, through the mobile app or by calling 800-347-2683. Bonus rewards will not be applied retroactively, and only qualifying purchases made after activation will earn 5% back.
The gas station category includes purchases inside or at the pump at standalone gas stations but may exclude stations affiliated with supermarkets and wholesale clubs. Public EV charging stations are included.
You’ll also earn 5% back when you use a digital wallet like Apple Pay or Google Pay to check out online or in store with your smartphone, tablet or wearable.
Cash back may be redeemed for a statement credit, direct deposit, gift card or charitable donation. Discover’s Pay With Cashback Bonus program also allows cardholders to use rewards to pay for merchandise with select merchants.
Offering a unique blend of academic excellence, cultural vibrancy and scenic beauty, New Hampshire’s true charm lies in its quaint college towns.
This article will take you on a journey through the best college towns in New Hampshire, highlighting their unique features and allure. From the prestigious Dartmouth College in Hanover to the buzzing urban campuses in Manchester, New Hampshire’s college towns boast a wealth of opportunities and experiences for students and lifetime locals alike.
Epitomizing New England charm, Hanover is home to Dartmouth College, an Ivy League institution known for its stellar academics. Established in 1769, Dartmouth College boasts a picturesque campus adorned with Georgian-style architecture and lush green spaces. The town’s vibrant culture, coupled with its stunning location on the Connecticut River, makes it a popular choice for students seeking a well-rounded college experience.
As you stroll through the quaint streets of Hanover, you’ll be greeted with a myriad of boutique shops, cafes and restaurants, reflecting the town’s diverse and international community. You can enjoy gourmet coffee at Dirt Cowboy Café, a beloved local hangout, or savor a hearty farm-to-table meal at the award-winning Pine.
Hanover’s proximity to the Appalachian Trail and the White Mountains provides ample opportunities for outdoor enthusiasts to explore the area’s natural beauty. Students and locals alike can be found hiking, skiing or taking leisurely walks along the Connecticut River on sunny afternoons.
Next on our journey through the best college towns in New Hampshire is Durham, home to the University of New Hampshire (UNH). UNH is a rural public research institution known for its strong programs in medical engineering, business and environmental sciences. The picturesque campus, surrounded by small-town charm, offers a perfect blend of academic rigor and opportunity for community engagement.
Durham has a vibrant yet laid-back vibe, where students can unwind after a day of classes at one of the many local eateries or take a leisurely walk along the Oyster River. For those looking to embrace the outdoors, College Woods, a 250-acre nature preserve, offers miles of hiking and biking trails just a stone’s throw away from campus.
Durham is also home to the Paul Creative Arts Center, which hosts a variety of concerts, art exhibits and theater performances throughout the year. The University’s renowned Memorial Union Building, affectionately known as ‘The MUB,’ serves as the epicenter of student life and provides ample opportunities for socializing and entertainment.
Located in southwestern New Hampshire, Keene is home to Keene State College, a liberal arts institution with a strong emphasis on interdisciplinary learning and community engagement. The college is known for its education, film production and sustainable development programs. Keene’s vibrant artistic community benefits from the stunning natural beauty of the Monadnock Region, which makes it a true haven for creative and environmentally conscious students.
The town’s historic Main Street is lined with an eclectic mix of shops, galleries and restaurants, reflecting Keene’s bohemian spirit. Students can browse through locally crafted pottery at the Hannah Grimes Marketplace, indulge in artisanal chocolates at Life is Sweet or catch a live music performance at the cozy and intimate Machina Arts.
Outdoor enthusiasts will find no shortage of activities in Keene, with easy access to the Monadnock Region’s picturesque hiking trails, state parks and lakes. The city’s annual Monadnock Pumpkin Festival, held in October, is a testament to the strong sense of community and celebration of the region’s natural bounty.
Manchester boasts a thriving artistic community, making it an attractive choice for students seeking a more urban college experience. The city is home to several higher education institutions, including Southern New Hampshire University (SNHU) and the University of New Hampshire at Manchester.
SNHU is a private institution that offers an extensive range of degree programs, from liberal arts to business and technology. Its innovative online education platform has garnered international recognition, attracting students from all corners of the globe.
UNH Manchester is the urban branch of the University of New Hampshire and provides undergraduate and graduate programs with a strong emphasis on experiential learning and community partnerships.
Downtown Manchester is a hub of activity anchored by the historic Palace Theatre, which hosts a variety of performances, from Broadway shows to concerts and comedy acts. The Currier Museum of Art, with its extensive collection of European and American artwork, offers a unique cultural experience for art enthusiasts. Foodies will find themselves in culinary heaven, as the city’s burgeoning culinary scene showcases a diverse array of global cuisines, farm-to-table restaurants and craft breweries.
For students seeking a respite from city life, Manchester’s numerous parks, like Derryfield Park and Livingston Park, provide ample green spaces for relaxation and recreation. The nearby Lake Massabesic and the Uncanoonuc Mountains offer opportunities for hiking, biking, fishing and more, allowing students to unwind and recharge in the warm embrace of Mother Nature.
Plymouth, a small town nestled between the White Mountains and the Lakes Region, is home to Plymouth State University. Known for its strong education and meteorology programs, Plymouth State University offers a close-knit academic environment that fosters a strong sense of community and encourages personal growth alongside academic enlightenment.
The historic Main Street in Plymouth is home to a variety of local shops, eateries and the iconic Flying Monkey Movie House and Performance Center, which hosts live music, film screenings and theatrical performances. Students can enjoy an artisan cup of coffee at Café Monte Alto or indulge in a delicious slice at the locally renowned Tenney Mountain Pizza.
Outdoor enthusiasts will find plenty to do in Plymouth, with easy access to the White Mountains and the Lakes Region, offering next level recreational activities like skiing, snowboarding, hiking and kayaking.
Find your new apartment in a New Hampshire college town
Whether you’re a prospective student, a curious traveler or a local looking to rediscover your home state, the college towns in New Hampshire offer a unique blend of academic excellence, vibrant culture and stunning natural beauty. From the Ivy League allure of Hanover to the urban appeal of Manchester, New Hampshire’s college towns are a treasure trove of experiences waiting to be explored. Pack your bags, lace up your boots and get ready to embark on a journey through these charming academic paradises in person to fully embrace the magic of New Hampshire’s college towns.
Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.
Advertiser Disclosure
We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.
Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates.
Of course, the offers on our platform don’t represent all financial products out there, but our goal is to show you as many great options as we can.
Have you ever gone over your budget only to find you’ve overspent on food? With food being the third-highest household expense behind housing and transportation, our food choices have a huge impact on our budget.
Learning how to budget groceries can help you save more to put toward your financial goals. Here are 28 ways to help you learn how to budget groceries.
1. Track current spending
Before you figure out what you should be spending on food, it’s important to figure out what you are spending on food. Keep grocery store receipts to get a realistic picture of your current spending habits. It might help to break down spending by category (via a spreadsheet or on paper), including beverages, produce, etc. Once you’ve done this, you can get an idea of where you need to trim down your grocery bill.
2. Allocate a percentage of your income
How much each household spends on food varies based on income and how many people need to be fed. Consider using our budget calculator if you’re not sure where to start. Try allocating 10% of your income to food as a starting point and then you can increase from there.
3. Avoid eating out
Recent data from the Bureau of Labor Statistics shows a 13% increase in food spending in the U.S. — a jump driven by rising purchases on dining out. Avoiding eating out where possible can help reduce your overall food spending. If you’re actively dating or enjoy restaurants with friends, be sure to factor eating away from home into your food budget — and stick to your limit.
4. Plan your meals
It’s much easier to stick to a budget when you have a plan. Plus, having a purpose for each grocery item you buy may help ensure nothing goes to waste or just sits in your pantry unused. Don’t be afraid of simple salads or meatless Mondays — not every meal has to be a gourmet experience.
5. Keep a fridge grocery list
Keep a magnetized grocery list on your fridge so that you can replace items as needed. This can help you buy food you know you’ll eat. Sticking to a list in the grocery store may help you stay accountable and not spend money on processed or pricey items.
6. Eat before you go to the store
If your mother gave you this advice growing up, she was onto something: according to studies, shoppers spend more when hungry. Eating before going to the grocery store may help you avoid tantalizing foods that can cause you to go overbudget.
7. Be careful with coupons
Getting 50% off ketchup is a great deal — unless you don’t need ketchup. Beware of coupons for items you don’t need. If the item isn’t on your list, you’re not saving at all, but rather spending on something you don’t truly need.
8. Embrace the bulk section
The bulk section of your grocery store may help you find inexpensive staples, discover new foods and bring variety into your diet. Take the time to compare the price of prepackaged goods versus bulk — bulk is likely cheaper.
9. Bring lunch to work
Picture this: you’re trying to stick to a food budget, and one day at work you realize it’s lunchtime but you forgot to pack a lunch. All the meal planning and smart shopping in the world won’t help if you don’t have food when you need it.
10. Love your leftovers
Instead of throwing your leftovers away, try to eat them to avoid wasting money. To keep things interesting, look for ways to repurpose foods — yesterday’s leftover taco meat can become today’s shepherd’s pie.
11. Keep an inventory
Keeping a list on your fridge of what you have on hand can help you avoid food waste and get creative when meal planning. And it’s a great way to get the most use out of grocery items that are sold larger quantities than you need for a single recipe. Not sure what to do with that giant bunch of celery or box of spinach you have left over from another recipe? Try out some online recipe blogs or sites that offer recipe ideas based off a few ingredients you input.
12. Freeze foods that are going bad
Another way to avoid wasting food is to freeze things that look like they’re about to go bad. Fruit that’s past its prime can be frozen and used in smoothies. Make double batches of soups, sauces and baked goods so you’ll have an alternative to ordering takeout when you don’t feel like cooking.
13. Use curbside pickup
About 29% of shoppers admitted that seeing an item that looked too good to pass up led to impulse purchases. Using curbside pickup can help prevent you from purchasing unplanned items.
14. Check the top and bottom shelves
Wise grocery stores know that eye level is where the most sales happen. In fact, consumers select about 80% more products at eye level than at the bottom shelf. So next time you’re out shopping, take a quick look up and down — you may find a better deal hidden out of sight.
Additional grocery saving tips
Need more ideas on how to save on your food bill? Here are some additional tips that can help.
Choose generic — One survey found that 50% of people said opting for generic products over name brand helped them save on groceries.
Drink more water — Recent data found that 17% of consumers cut back on purchasing beverages at the store due to rising inflation. Drinking more water may help you save what you would’ve otherwise spent on beverages.
Pay with cash — Try going to the grocery store with cash — and only what you’ve budgeted for. Leave your credit or debit card at home. After all, you can’t spend what you can’t pay for.
Buy what’s in season — Food prices can vary depending on whether they are in season or not. When foods are out of season, they may be scarce — and therefore more expensive. Try to stick to buying foods that are in season.
Grow your own herbs — Herbs at your local grocery store might sometimes be expensive. Growing your own is one way to cut back on your grocery bill.
Plan a meatless meal — Beef prices increased for three years straight from 2020 to 2022, and the USDA predicts other meat categories will rise in price in 2023. By planning a meatless meal every so often, you may be able to save some money on your grocery bill.
Buy cheaper cuts of meat — Not all cuts of meat cost the same. You may be able to save money by choosing chicken thighs over chicken breasts, ground chuck over sirloin and pork loin over pork chops.
Ask for a discount — This won’t always work, but if you notice your food is close to expiring, ask the cashier for a discount. You may be able to save yourself a few dollars.
Learn how to preserve food — If you have some fruit that’s going bad in your home, you may be able to preserve it by making and canning jam. Hopefully the more food you can save in your home, the less you’ll need to buy at the store.
Keep a running tally while you shop — Jotting down the prices of items you put in your cart or quickly crunching the numbers in your phone’s calculator can help you stay more aware of how much you’re spending.
Buy canned food — Canned food is often less expensive than fresh foods, so buying canned could stretch your food budget.
Shop sales — If you notice a food you often eat goes on sale, stock up if you have room in your budget. While you may spend more than you normally would up front, you’ll save yourself from having to purchase the item at full price in the future.
Use rebate apps — Some apps provide cash back on certain purchases. Check to see if the items you need to buy at your next shopping trip may qualify.
Sign up for your store’s loyalty program — Some grocery stores have points or loyalty programs that can provide you with extra discounts when you shop.
Bottom line
Sticking to a food budget can take planning and discipline. However, learning how to budget groceries by being resourceful and cooking healthily is a skill that can benefit you for years to come.
Earn cash back on select debit purchases with Credit Karma Money™ Spend.
These Virginia college towns are top of the class.
Virginia’s higher education landscape is peppered with prestigious colleges and universities that are nestled in picturesque towns and exude their own unique character and charm. In this article, we’ll delve into some of the most beloved college towns in Virginia, including Charlottesville, Williamsburg, Fairfax, Richmond and Blacksburg.
Home of the renowned University of Virginia, Charlottesville is largely regarded as one of the best college towns in the country. With its well-preserved architecture, bustling downtown mall and rotating cultural and recreational activities, Charlottesville has easily earned its spot atop this list. The city’s lively arts scene, including the Virginia Film Festival and the Charlottesville Opera, reflects the diverse interests of its student population and its full-time residents. Additionally, the picturesque surroundings of the Blue Ridge Mountains and the numerous vineyards, breweries and cideries make Charlottesville an enticing destination for those who think the great outdoors is best enjoyed with a beverage in hand.
The University of Virginia was founded by Thomas Jefferson in 1819 and adds historical charm to this lovely college town. The Rotunda, the architectural centerpiece of the university, is modeled after Rome’s Pantheon and stands as a symbol of the school’s commitment to fostering knowledge and intellectual curiosity. The Academical Village, designed by Jefferson himself, provides a unique living and learning environment that fosters a strong sense of community among students and faculty alike. The school’s prestigious academic programs and a strong commitment to student success are also key factors that contribute to Charlottesville’s appeal as one of the top college towns in Virginia and the country.
Another captivating college town in Virginia is Williamsburg, the home of the College of William & Mary. Steeped in history, this quaint town transports you back in time. The impeccably preserved Colonial Williamsburg, a living history museum, allows visitors to experience 18th-century America firsthand. Williamsburg also has a surprisingly innovative culinary scene, with various restaurants, cafes and breweries catering to diverse tastes. Busch Gardens, a European-themed amusement park, adds another layer of excitement to this charming town, making it an ideal destination for students and locals alike.
The College of William & Mary is an integral part of the allure of Williamsburg. Established in 1693, the college boasts notable alumni, including Thomas Jefferson, James Monroe and John Tyler. Its beautiful campus seamlessly blends with the surrounding town, creating an inspiring environment for higher education and personal growth. The college’s strong academics, combined with a close-knit community and abundant opportunities for research and internships, make Williamsburg one of the most attractive college towns in Virginia.
Located in Northern Virginia, Fairfax is another gem among Virginia college towns. Home to George Mason University, this bustling suburban town has a unique blend of urban convenience and suburban tranquility. Fairfax boasts a variety of shopping, dining and entertainment options, with the popular Mosaic District and Fairfax Corner providing a lively atmosphere. The city’s proximity to Washington, D.C., also provides students with unparalleled access to internships, research opportunities and unique cultural experiences. Outdoor enthusiasts will find plenty to do as well, with numerous parks and trails, like the picturesque Burke Lake Park, providing a natural retreat from the daily grind.
George Mason University offers a diverse array of academic programs and extracurricular activities. The university’s commitment to innovation and research has earned it a reputation for excellence in engineering, economics and public policy. The sprawling campus, dotted with modern buildings and lush green spaces, serves as a welcoming environment for students from around the world. The school’s emphasis on community engagement and service-based learning allows students to make a positive impact on their surroundings.
The capital city of Virginia, Richmond adds an urban flair to our list of the very best Virginia college towns. With Virginia Commonwealth University (VCU) and Richmond University at its core, Richmond is a diverse, energetic atmosphere that is perfect for young scholars seeking adventure and intellectual stimulation. The city is a cultural hotspot, with a thriving arts scene, fascinating museums and numerous galleries. For foodies, Richmond’s restaurant scene is a delightful blend of Southern comfort food and international cuisine. Be sure to check out locally-loved Cobra Burger for some of the best beef in the state, nay the country. Outdoor enthusiasts can also find their niche in Richmond, with the James River Park System offering opportunities for kayaking, hiking and biking.
VCU is a leading public research university that attracts students from around the globe. Its academic programs in fields such as fine arts, health sciences and business are highly regarded, providing students with a solid foundation for their future careers. VCU’s urban campus seamlessly integrates with the city, creating an environment where students can engage with their surroundings and immerse themselves in Richmond’s vibrant community. The university’s commitment to diversity and inclusion, along with its extensive resources and opportunities, make Richmond a standout choice among the college towns in Virginia.
Nestled in the scenic Appalachian Mountains, Blacksburg is home to Virginia Tech, one of the most respected research institutions in the country. Known for its strong engineering and technology programs, Virginia Tech attracts students who are passionate about innovation and discovery. Blacksburg’s picturesque setting provides an abundance of recreational opportunities, including hiking, mountain biking and exploring the natural beauty of the region. The city’s warm and welcoming atmosphere, combined with its vibrant downtown and lively arts scene, make it one of the most well-rounded college towns in Virginia.
Virginia Tech’s sprawling campus, with its iconic limestone buildings and immaculate landscaping, serves as a stunning backdrop for the university’s cutting-edge research. The school’s commitment to research, sustainability and service extend beyond the classroom, allowing students to engage with the local community and make a difference on a global scale. The university’s strong sense of community and tradition, coupled with its dedication to fostering intellectual curiosity and innovation, make Blacksburg an exceptional choice for students seeking a transformative college experience in a picturesque college town in Virginia.
Settle down in a Virginia college town
The top college towns in Virginia each have their own distinct charm and offer students an array of educational experiences and unique real-world opportunities. From the historic allure of Charlottesville and Williamsburg to the urban excitement of Fairfax and Richmond and the natural beauty of Blacksburg, the college towns featured above provide an enriching backdrop for higher education in the Old Dominion State. Students and visitors alike will find a wealth of culture, history and adventure waiting to be discovered in these captivating college towns in Virginia.
As unemployment numbers continue to rise, many employees are stressed about whether they’ll have a job next week or not. Some have already, some have already lost their jobs and are scrambling to find new employment. In this time financial planning is crucial. This is a time when people are feeling and are desperately in need of guidance. If you think that you are about to encounter a layoff, you need to be focusing your attention on what can be controlled: cutting expenditures, figuring out emergency funds, evaluating how to replace lost benefits, and making a game plan for the job search.
1. Save Emergency Cash
For those that are still employed but the future of their job is uncertain, I would encourage them to have at least 12 months of savings in cash. Unfortunately many will not have enough. But if they’re still employed and the emergency funds are not there, tapping into their 401(k) might be a viable option. I know what you’re thinking. Tapping into your 401k usually goes against all that I stand for. And with this dismal market, it might be a dangerous move, but; if they become unemployed that option might now be available to them.
Typically if you’re still employed you’re allowed borrow up to half of your 401(k) balance, up to a maximum of $50,000. Running these numbers you can guesstimate the period of how long you think it will take you to find a new job and then how much you would need to borrow to get you by until the new job is made. If you borrow from your 401k while you are still employed then you avoid the 10% withdrawal penalty. Sure there is some speculation in this move, but if you’re in a high demand field you may be able to use this move to your advantage.
Warning: If you do this, be sure to double check with your employer when you are due to pay it back. It tends to vary from employer, but it could be due back immediately, within 60 days or some period greater.
2. Don’t Pay Off Debt
Another common misconception of after being laid-off is that most people want to take their savings or take their retirement savings and pay off debt, such as credit cards or even the 401(k) debt. But in this type of market, paying off debt should not be the priority especially if you are unemployed. The priority is to keep get your savings intact and making sure that you have plenty of cash on hand. Sure credit card debt is bad, but just focus on making the minimum payment until you get your job situation in check.
3. Focus On Crisis Budgeting
If you’re used to going to shopping every weekend or eating out every other night at fancy restaurants, then most likely those changes are just around the corner. You need to sit down and seriously hammer out a budget of things that you need and things that you don’t need.
You may even consider working out two budgets, one for while you’re working and one for when you’re not working, so that way you can truly see how much you’re spending per month. And then, you can contemplate whether you can go on a cheaper cell phone plan, or cut your cable bill services. Sometimes adding that extra payment per month might not seem like a big deal, but $50 here and $50 there will surely add up, especially on a limited budget. Also, too, knowing which expenses you absolutely must be covered will help you realistically search for your future job.
4. Replace Lost Benefits
In the aftermath of a job loss, people should take stock of what benefits have been lost, which ones you are entitled to by law, and which ones may be portable. how to continue health care coverage, especially if there are dependents.
Typically, employees are eligible to keep the same coverage through COBRA for at least 18 months. But, they may have to pay 102% of the cost of their insurance premium. If there premium have been subsidized by their employer, then that cost will be a rude shock. COBRA can often be a good bridge choice, but it ends up being a health benefit. Families paying $200 a month for insurance under COBRA, it could be $1,000. Luckily, the government just passed new law concerning COBRA benefits that qualifying period will be only responsible to pay for 35% of the benefit. This comes at a time that should be very helpful to many that are facing layoffs ahead.
Many employers offer life insurance, long-term care insurance, disability policies and they may be portable as well. For another person or one who is not in good health, ability to take over the payments on existing $100,000 life insurance policy may save the worry of having to find another carrier. It’s better to keep it for a few months, although make sure they don’t need it, and drop it later.
5. Consider a Career Transition
Many people will be forced by an unforeseen job layoff to reassess what they want in their lives and what is meaningful to them. They may have to craft resumes, cover letters for the first time in years, and feel at a loss especially if they are switching to a new career path, which is an unfamiliar field.
If you haven’t jumped on the social media bandwagon, it’s time. Consider Facebook, LinkedIn, Twitter and other social media sites to reconnect with old networks and also create new ones. The more people that know your situation the better. Also, consider starting a blog to showcase your talents. Need a good blog for inspiration? Guess what, you’re already here.
Editor’s note: This is a recurring post, regularly updated with new information and offers.
The American Express® Gold Card and the American Express® Green Card are two of the most iconic credit cards offered — the Amex Green alone has been around for more than 50 years.
But classic doesn’t mean outdated, as these cards have both received dramatic makeovers in recent years, resulting in two competitive products aimed at different market segments. The Amex Green is more focused on travel, while the Amex Gold is better suited for everyday spending on groceries and eating out.
Today, we’ll take a deep dive into the features and benefits of these two products and see which one might be the better fit for you.
Comparison of benefits
Benefit detail
American Express Green Card
American Express Gold Card
Annual fee
$150 (see rates & fees).
$250 (see rates & fees).
Welcome bonus
Earn 60,000 Membership Rewards points and 20% back on eligible travel and transit purchases made during your first six months of cardmembership (up to $200 back) after you spend $3,000 on purchases on your new card in your first six months of card membership.
Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new card within the first six months of cardmembership.
Earning categories
3 points per dollar on travel (including flights, hotels, transit, taxis, tours and ridesharing services).
3 points per dollar at restaurants.
1 point on all other purchases.
Terms apply.
4 points per dollar at U.S. supermarkets on up to $25,000 spent per calendar year (then 1 point per dollar).
4 points per dollar at restaurants.
3 points per dollar on flights booked directly with airlines or through Amex Travel.
1 point per dollar on all other purchases.
Terms apply.
Travel benefits
Up to $189 annual credit for Clear Plus.
Up to $100 annual LoungeBuddy credit.
Car rental loss and damage.*
Baggage insurance.**
Trip delay insurance.***
Up to $120 in Uber Cash annually ($10 monthly credits) for U.S. services. Must add card to Uber app to receive benefit.
$100 experience credit for your stay of at least two nights at The Hotel Collection.
Car rental loss and damage.*
Baggage insurance.**
Trip delay insurance.***
Additional benefits
ShopRunner free 2-day shipping on eligible items. Enrollment is required.
Purchase protection.**
Extended warranty protection.**
Entertainment access.
No foreign transaction fees (see rates & fees).
Up to $120 annual dining credit at select restaurants (up to $10 per month) per calendar year. Enrollment is required.
ShopRunner free 2-day shipping on eligible items. Enrollment is required.
Purchase protection.**
Extended warranty protection.**
Entertainment access.
No foreign transaction fees (see rates & fees).
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
***Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
Welcome offer
Both cards have an attractive welcome offer.
The Amex Green currently offers 60,000 Membership Rewards points and 20% back on eligible travel and transit purchases made during your first six months of cardmembership (up to $200 back) after you spend $3,000 on purchases on your new card in your first six months of cardmembership. This is the best offer we’ve seen available to the public.
Sign up for our daily newsletter
The Amex Gold, on the other hand, offers 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new card within the first six months.
MASKOT/GETTY IMAGES
Because TPG currently values Membership Rewards points at 2 cents each, both points bonuses are worth $1,200. But you can get up to an additional $200 back with the Amex Green bonus.
Sometimes, the cards have offered higher targeted welcome offers through the CardMatch Tool (offer subject to change at any time), so be sure to check this tool before applying for a card.
Note that if you’ve held either of these cards before, you’re almost certainly ineligible for a welcome offer. Despite the revamps both cards have received in the past few years, they’re still considered the same products. In addition, American Express also considers other factors to determine welcome-bonus eligibility, though it should notify you of your status before you submit your application and face a hard inquiry.
Winner: Given the additional 20% back on travel and transit purchases as part of its welcome offer, the Amex Green comes out ahead in this category.
Related: Ultimate guide to credit card application restrictions
Earning categories and bonuses
The Amex Green offers 3 points per dollar on travel — including transit purchases such as taxis and ride-hailing services. You also earn 3 points per dollar at restaurants around the world and 1 point per dollar on all other eligible purchases.
The Amex Gold Card offers 4 points per dollar at restaurants and on purchases of up to $25,000 spent each calendar year at U.S. supermarkets (then 1 point per dollar). You’ll also earn 3 points per dollar on airfare purchased directly with the airline or through Amex Travel. For all other purchases, you’ll earn 1 point per dollar.
WYATT SMITH/THE POINTS GUY
When you compare these rates, the Amex Gold offers you 33% more points at restaurants than the Amex Green, and it also offers 4 points per dollar when you buy groceries (or anything else) from a supermarket in the U.S (up to $25k in purchases each calendar year; then 1 point per dollar.)
And although they both offer 3 points per dollar on select travel purchases, the Amex Green Card opens up the bonus points to all travel-related purchases. This means anything coded as “travel” on your monthly statement will receive the bonus points.
For the Amex Gold Card, you’ll only earn 3 points per dollar on a limited number of airline-specific purchases, which includes purchasing airfare from the airline directly (not an online travel agency) or through Amex Travel. This means you’ll only earn 1 point per dollar for hotels, cruises, transit and many other travel-related purchases.
Winner: If you’re a commuter or a frequent traveler (and don’t spend much at U.S. supermarkets) and don’t have another card that offers you bonuses for travel spending, then the Amex Green has a strong advantage. Otherwise, the Amex Gold Card will likely offer more points for most people’s spending.
Related: What counts as travel on the Amex Green card?
Travel benefits
A standout benefit of the Amex Green is its up to $189 annual credit toward a Clear Plus membership, which is enough to fully cover the cost of one adult membership.
Clear machines SUMMER HULL/THE POINTS GUY
The Amex Green Card also offers an annual up to $100 LoungeBuddy credit, which can be applied to the admission fee for hundreds of lounges worldwide. This could be somewhat valuable to those who don’t already have a Priority Pass Select benefit from a different credit card. Enrollment is required.
The Amex Gold Card offers up to $120 in Uber Cash. With this benefit, you’ll receive up to $10 monthly in Uber Cash credit, which can be used on Uber Eats orders or Uber rides in the U.S. The fact that you can use these credits on takeout means card members should have no problem using the cash — which puts a full $120 value on the perk.
Both cards offer car rental loss and damage coverage (secondary coverage)*, baggage insurance** and trip delay protection.*** However, the Amex Gold also provides access to benefits and discounts when booking accommodations through The Hotel Collection (minimum two-night stay required).
The trip delay protection is typically the most valuable to many cardholders since you’ll be reimbursed up to $300 per eligible trip if your trip is delayed more than 12 hours. This will cover unexpected out-of-pocket expenses, such as meals, lodging and personal use items.
Winner: Given that both cards offer the same travel protections, the Amex Green comes out ahead with its valuable Clear and LoungeBuddy credits.
Related: What your card’s trip protection covers
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
***Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
Shopping benefits
The Amex Gold Card has an up to $120 annual restaurant credit at select establishments, including The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. If none of those appeal to you, you can apply that credit to delivery or takeout orders from Grubhub. Because it’s so easy to use, most cardholders can get the full $120 value from this benefit. Enrollment is required.
You’ll also notice that both cards offers purchase protection* and extended warranty benefits* — an important card feature to have for many purchases (especially those that can break easily). The Amex Gold Card comes out slightly ahead in this department since the purchase protection perk covers your purchase up to 90 days from the day of purchase, up to $10,000 per claim and $50,000 per year.
While the Amex Green Card also includes the same 90-day benefit, you’re capped at $1,000 per claim and $50,000 per year. For an expensive purchase, the Amex Gold Card is preferable, but most cardmembers will find the maximum to be more than sufficient with the Amex Green Card.
THE POINTS GUY
Additionally, both cards come with free ShopRunner two-day delivery from select online merchants and the American Express Entertainment Access program that gives you preferred access to shows and sporting events.
Winner: With its dining credit and more valuable purchase protection coverage, the Amex Gold easily comes out ahead in this category.
*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
Related: Complete guide to the Amex Gold dining credit
Bottom line
Although the American Express Green Card has much to offer, its more upscale sibling — the American Express Gold Card — is still a better fit for most.
Using the Amex Gold Card to earn more at restaurants and U.S. supermarkets is likely more attractive to most people than the Amex Green’s bonus earning on a wider range of travel purchases. In addition, the higher annual fee of the Amex Gold is offset by up to $240 in annual credits.
Still, with a lower annual fee, useful travel credits and broad bonus categories, the Amex Green is a solid option.
No matter which you choose, you can rest assured you’re adding a great card to your wallet.
For more details, check out our full reviews of the Amex Green and Amex Gold.
Official application link: Amex Gold Card with a welcome bonus of 60,000 points after you spend $4,000 within your first six months of cardmembership.
Official application link: Amex Green Card with a welcome bonus of 60,000 Membership Rewards points and 20% back on eligible travel and transit purchases made during your first six months of cardmembership (up to $200 back) after you spend $3,000 on purchases on your new card in your first six months of cardmembership.
For rates and fees of the Amex Gold, please click here. For rates and fees of the Amex Green, please click here.
Additional reporting by Emily Thompson, Benét J. Wilson and Jason Steele
Here’s the story, of a house named Brady. HGTV has put the famous “Brady Bunch” house in Los Angeles, with its instantly recognizable street view, on the market.
The saga of this house has a new storyline, and it’s a real cliffhanger: Will HGTV be able to recoup its investment in the famous home, which was used only for exterior shots on the iconic ’70s TV show?
The home has since been rebuilt, inside and out, as a replica of the set piece from the show. The $5.5 million list price is on the high end of the suburb of Studio City. The area has a median list price of $1.9 million.
But this is a very special home—especially since HGTV got its hands on it in 2018.
The “Brady Bunch” house as it appeared on the show
(CBS/YouTube)
A very Brady abode
Locals have long known about the iconic home, and longtime fans visit frequently to take photos of the exterior. The exterior has essentially stayed much the same way it had appeared in “The Brady Bunch,” which aired from 1969 to 1974, then entered into perpetual syndication.
Some say it’s the most photographed private residence in America, right after the White House.
The owners thought that the notoriety would add some value, so they listed their famous split-level in 2018 for an ambitious $1,885,000. It was built in 1959.
The house as it appeared when it went on the market in 2018
(realtor.com)
What they didn’t expect was HGTV entering a bidding war with former ‘N Sync member Lance Bass and several others. The network prevailed, paying $3.5 million for the home. It had big plans to put the house back on TV.
‘A Very Brady Renovation’
The network taped a limited series, called “A Very Brady Renovation,” in which show hosts Drew and Jonathan Scott worked alongside other HGTV stars to re-create every detail of the iconic home. Joining them were the now-grown cast members who played the six Brady kids.
The renovation series drew in more than 28 million viewers.
The Brady “kids” in front of the old “Brady Bunch” house
(HGTV)
The interior scenes of the TV series were actually shot on nearby sound stages, so it was quite a challenge to find period furnishings and finishes and to redesign the home so it looked exactly like the one on TV.
HGTV poured $1.9 million into the massive renovation, which added 2,000 square feet to the property’s original footprint. That included a full second story.
Fully reimagined living room
(Realtor.com)
Including the renovation costs, HGTV’s investment in the five-bedroom, five-bath, 5,140-square-foot property totals $5.4 million, which is just about the current asking price.
What it looks like now
The house today
(Realtor.com)
So what will the next owners get? Among the standout features added are the floating staircase, the burnt-orange-and-avocado-green kitchen, the kids’ Jack-and-Jill bathroom, and the backyard with a swing set, teeter-totter, and Tiger’s doghouse.
Orange and avocado kitchen
(Realtor.com)
The backyard
(Realtor.com)
Customized pieces include the green floral couch and the credenza with a horse sculpture in the living room.
Fun fact: The show producers reached out to collectors to find the horse sculpture used on the set, and when one couldn’t be located, they ended up printing one in 3D.
The horse sculpture was printed in 3D to match the original.
(Realtor.com)
Would you live there?
So, would anyone actually want to live in a home filled with shag carpeting, wood paneling, and pastel-colored walls in all the bedrooms and bathrooms?
Girls’ bedroom
(Realtor.com)
Boys’ bedroom
(Realtor.com)
How comfortable would you be in a $5.5 million home outfitted with appliances that were brand-new in the 1970s but not exactly state-of-the-art now, and a backyard that features a swing set rather than a pool?
And then, there are the caveats for potential buyers: “Fireplaces and some appliances/fixtures are decorative only. The home is being sold as is.”
The home is located in a lovely, mostly quiet neighborhood within walking distance of great shops and restaurants, and backs up on the L.A. River.
So, is this a house that’s made more for TV than real life?
Mike Brady’s office with an artificial fireplace
(Realtor.com)
Is it ready for a real-life bunch?
Though true to its TV counterpart, this home’s retro kitchen and bathrooms are no longer in vogue.
Jack-and-Jill bathroom
(Realtor.com)
While the midcentury modern style is still popular, you don’t see a lot of people bringing back that 1970s style. After a while, those period rooms might become an eyesore.
The den
(Realtor.com)
There’s also the tourist problem.
Coldwell Banker luxury property specialist Gail Steinberg, who lives about a block from the famous home, has had intrepid fans stopping her on the sidewalk to ask, “Do you know where the ‘Brady Bunch’ house is?”
Interest in the house has gone up significantly since the HGTV show, and it draws a steady stream of people cruising by to snap pictures.
Still, Steinberg believes the $5.5 million asking price is not unrealistic.
“Look how far above the asking price it went for last time it sold,” she says.
Could the home become a short-term rental?
If the zoning permits short-term rentals, the new homeowners could fetch a pretty penny from folks who want to bask in the home’s nostalgic glory. But the remodeled interiors seem too valuable to risk exposing to careless renters.
It might have value as a location for photo, TV, and movie shoots. But Los Angeles puts limitations on that as well—for the wellbeing of the neighbors. So it’s also not a dependable source of income.
Also, consider security
“There’s security parked out in front 24/7,” Steinberg notes. Apparently, that’s been necessary ever since HGTV very publicly took over the property, as there are no walls or hedges protecting it from zealous fans.
That’s also an expense the new owners will have to shoulder.
So who is the most likely buyer?
Steinberg believes a high-rolling real estate collector—perhaps someone who would stay in the home occasionally for fun—would happily pay $5.5 million, or more.
Often, buyers at that level pay cash and aren’t affected by high-interest rates, she adds.
Also, a wealthy collector would be less likely to be intimidated by the caveats in the listing: “Intellectual property rights are not included in the sale. Buyer is advised to do their own due diligence to investigate the legal rights and usage of the home including zoning, permits, rental laws, etc.”
But, there’s always bragging rights.
“It’s an ego thing,” Steinberg says. “‘I own the ‘Brady Bunch’ house!’”
Win-win
Neighbors would be most likely OK with the “Brady Bunch” house going private. The street would no longer be a tourist magnet, and a home selling for upward of $5.5 million in the area would surely raise their property values.
Other very deserving people would also benefit from the house selling at a premium. HGTV plans to use a portion of the proceeds from the sale to help fight child hunger.
Renowned for its picturesque landscapes and thrilling outdoor activities, Utah is also home to some of the top college towns in the country.
The Utah college towns featured in this article are nestled amid stunning natural settings and offer a unique blend of culture, recreation and unparalleled academic prowess. In this article, we’ll explore the best college towns in Utah: Provo, Logan, Salt Lake City, Orem, Ogden, Cedar City and St. George. Lace up your hiking boots and get ready to head out on an adventure through seven of the best college towns in Utah.
Let’s begin with Provo, a lively city that is home to Brigham Young University. Known for its strong sense of community and emphasis on family values, Provo offers a nurturing environment for students seeking personal growth and academic rigor in a downright stunning setting.
The city is brimming with opportunities for outdoorsy types. From hiking in the nearby Wasatch Mountains to exploring the Provo River Parkway, students here seldom run out of ways to stay active and engaged with nature. Moreover, Provo’s charming downtown area features a variety of shopping, dining and entertainment options, making it an attractive destination for students and lifetime locals alike.
Next up is Logan, nestled in the heart of the Cache Valley and home to Utah State University. This picturesque college town is renowned for its small-town charm and tight-knit community, making it an ideal setting for students seeking a more intimate college experience.
Logan’s Main Street is lined with local businesses, boutiques and restaurants. This lively area fosters a vibrant atmosphere that promotes socialization and relaxation after a long day of classes. For those who love the great outdoors, Logan is a gateway to countless hiking, biking and skiing options, thanks to its close proximity to the nearby Bear River Mountains and Logan Canyon.
As the bustling capital of Utah, Salt Lake City serves as an exciting college town for students attending the University of Utah. With a rich culture, wealth of entertainment options and thriving local economy, Salt Lake City offers an enticing combination of urban sophistication and natural beauty.
The downtown area boasts a myriad of attractions, including Sugar House Park, Quarters Arcade Bar and Gilgal Sculpture Garden, just to name a few. Students can also indulge in the city’s thriving arts scene, which encompasses everything from ballet and symphony performances to contemporary art galleries and live music venues.
Located just north of Provo, Orem is home to Utah Valley University. Orem has earned a reputation as a family-friendly city that serves as a safe and nurturing environment for students, young families and retirees alike. With its suburban atmosphere and convenient access to numerous parks, Orem provides ample opportunities for leisure and relaxation after a busy day hitting the books.
The city also offers a wealth of cultural and recreational activities, like the annual Orem Summerfest and the SCERA Center for the Arts, where students can enjoy live performances, art exhibits and indie film screenings. Additionally, Orem’s close proximity to Provo means that students can easily take advantage of the attractions found in its neighboring college town as well.
Situated at the foot of the majestic Wasatch Mountains, Ogden is home to Weber State University. This historic city is steeped in a rich culture that can be seen in its beautifully preserved 25th Street Historic District. Ogden is home to a thriving downtown area, featuring a variety of restaurants, shops and galleries that cater to the diverse tastes of its student population.
The city is also a haven for outdoor adventurers, with easy access to pristine skiing, snowboarding and hiking opportunities in the nearby mountains. Additionally, Ogden is surprisingly artsy, with events such as the annual Ogden Arts Festival and the monthly First Friday Art Stroll attracting students and locals alike.
Affectionately known as ‘Festival City USA,’ Cedar City is home to Southern Utah University. This charming college town has a lively atmosphere, thanks to its numerous festivals and events that take place throughout the year. The renowned Utah Shakespeare Festival, held annually on the SUU campus, attracts thousands of visitors and provides students with a unique opportunity to immerse themselves in the world of theater.
Cedar City also serves as a gateway to some of Utah’s most stunning natural attractions, including Bryce Canyon National Park and Zion National Park, making it an ideal destination for students who love to explore the great outdoors without traveling too far from home.
Located in the southwestern corner of the state, St. George is home to Utah Tech University. This sunny city is known for its pleasant climate and stunning red rock landscapes, providing an idyllic backdrop for the university’s picturesque campus.
The vibrant downtown area offers a variety of dining, shopping and entertainment options, while the city’s close proximity to numerous state and national parks provides more than enough opportunities for outdoor adventure at the drop of a hat.
Your new apartment awaits in a Utah college town
Utah boasts an impressive array of college towns, each offering a unique blend of academic excellence, cultural richness and natural resources. From the bustling streets of Salt Lake City to the charming small-town atmosphere of Logan, there’s a college town in Utah that’s perfect for every type of student.
Whether you’re an aspiring artist, an outdoor enthusiast or simply someone in search of a tight-knit community, consider embarking on a tour of the best college towns in Utah to find the perfect place to call your academic home.
Last year the zipper on my winter coat broke. Not before time, mind you; I’d had it so long that I couldn’t remember exactly when I bought it. My best guess is 25 years.
Gut reaction: Oh no! I can’t afford a new coat. But of course I could. I have a regular writing gig. Yet I actually thought about getting a seamstress to put in a new zipper.
Folks, this coat wasn’t classy even when it was new way back in the mid-1980s. It was a navy blue, butt-length cloth coat with a hood, bought from the clearance rack for about $40. After a couple of dozen years of wear it was fraying badly, especially around the cuffs and pockets.
Paying for a new zipper would have been like putting a new door on a condemned property. Why not apply that money toward a new garment?
Because I was used to doing without.
Because I was afraid I couldn’t afford it.
Because I was afraid, period.
Call it a scarcity mentality, call it cheapskatery, call Dr. Phil and have him work me over. The fact is, I had trouble spending money because I remembered the time when I had nothing.
Still Stuck in the Pain
Like someone who’d gone through the Great Depression, I was afraid to loosen the purse strings. Sometimes I still am. And I’m not alone.
Plenty of the folks body-slammed by the current recession are also fearful, according to Dr. Ted Klontz, co-author of Mind Over Money: Overcoming the Money Disorders That Threaten Our Financial Health. Even after their finances improve, he says, it’s likely that some “are going to have a lot of difficulty (taking) care of themselves and their families in reasonable ways.”
Spending after a financial crisis is like dating after a divorce, Klontz says. “It’s a natural process to restrict it, because you don’t want to go through the pain again. What that would tell me is that you’re still stuck in the pain associated with that time.”
He’s right. To me, hitting the mall would have been as unnatural as signing up for one of those online dating sites. (Even though I do enjoy foreign films, taking long walks on the beach at sunset and reading to orphans.)
After a day or two I came to my senses and got a replacement coat. (More on that later.) It was a good sign that my personal improvement program — aka “Get a grip, Freedman!” — was taking hold.
Before you judge me too harshly, know this: If you’ve never done without, you have no idea how hard it can be to believe — to really BELIEVE — that the wolf is nowhere near your door.
Instead, you remain in frugal lockdown. You pay the bills, allow for a bare minimum of necessities, and hoard the rest in case something bad happens.
Knowing You Have Enough
These days I think in terms of living mindfully, which some people call living intentionally — i.e., thinking hard about wants and needs and then meeting them in a low-cost, preferably low-impact way.
In other words, I’m not hoarding every dime because something bad might happen. I’m saving so that something good will happen, such as buying a home of my own. In the short term, I’m using a portion of saved funds to do some of the things I want, such as traveling — or buying a coat. (We’ll get to that soon. Honest.)
What helped me, and what might help you, was creating a “spending intention statement.” Financial adviser Spencer Sherman suggests making a list of all the basics (including an emergency fund and a retirement fund), plus categories for long-term savings and charity. Pay those bills/honor those commitments each month. Congratulations — you’re solvent!
“If you’re saving money and you’re giving some money away, that’s telling you you’ve got enough — the rest of the money, you can spend,” says Sherman, author of The Cure for Money Madness: Break Your Bad Money Habits, Live Without Financial Stress — and Make More Money!.
So once I’ve paid my monthly bills, filled the larder with frugal vittles, mailed a check to an elderly relative, set aside money for quarterly taxes, and seen automated monthly savings siphoned off into an online bank, I know that whatever’s left over is mine to enjoy.
Sort of.
Where Your Money Goes — and Where it Stays
Should I really want to use up every dime? Should anyone, especially if you’re in debt, recently out of debt, or the kind of person who, before layoff, always spent like a sailor on shore leave?
Nope. And nope. That’s where the big, bad B-word comes in. Two B-words, actually: budget and balance.
A “spending intention statement” is just a highfalutin synonym for “budget.” As noted earlier, an SIS eases panic and anxiety because it gives you a clear picture of where your money goes — and where it stays. It’s control. It’s choice.
Suppose you make your bills, continue to fund for the future and enjoy the occasional package of Sweet Tarts. If there’s any left over you can choose to put some or most of it into additional categories: new car fund, college savings plan, replacement winter coat. (Nearly there. I promise.)
Don’t forget a “fun” category. Fun is a major component of the “balance” side of the ledger. Do without entertainment for too long and you’re likely to bust loose and blow the budget. You’ll hate yourself in the morning. (The company that holds your credit card will probably send you flowers, though.)
Whether your idea of a good time is a monster truck rally or the New York Philharmonic, that part of the budget is yours to use as you see fit. Don’t deny yourself fun — but don’t try to run through every possible permutation in the same weekend, either. When coming off a long, dry, fun-less spell, it’s best to start small.
Oh, and to pay cash. Choose something you find both wonderful and affordable and treat yourself, using fresh green tender from your wallet. Leave the plastic home. You’re less likely to overdo it that way.
Savor and Appreciate
This is especially true if overindulgence was the reason you wound up in trouble in the first place. Learn why that was a problem, lest you repeat this particular history. Did you:
Try to cover up pain or loneliness by accumulating Stuff?
Strive to keep up with free-spending peers?
Have an entitlement mentality?
Fall into the trap of eating every meal out? (My friend knows a couple who routinely spends $700 to $800 a week in restaurants.)
Googols of self-help and personal-finance books exist to help you get to the bottom of your overspending. (You will, of course, get them from the library. Right?) Or you might want to seek help from a therapist, a reputable credit counseling agency or a group such as Debtors Anonymous.
One personal finance expert told me that it’s best to initiate or reinstate treats slowly. Maybe add one indulgence every couple of months, whether that’s a new video game, a perennial for your garden, brunch with your sister or a therapeutic massage. Just make sure that it doesn’t raise your total monthly budget by more than 5%.
Take the time to savor and appreciate each new treat, and to think about when — or whether — to add a new one. Having money once more doesn’t mean you can throw it around. (You could put someone’s eye out that way.) Even though I’m working to overcome my spending phobia, I’m still striving to meet needs and wants alike as reasonably as possible:
Ha! Told you we’d get there! I needed a coat but I wanted to save money, so I compromised: I went to Value Village in Seattle, where I found a barely-worn Eddie Bauer down coat for $14.99.
Keeping Money in Perspective
Being super-aware of spending isn’t a bad thing. It’s a reminder to send my bucks toward things that matter. That can be a small thing, incidentally — say, an ice-cream cone with my great-nephews. On a warm summer day while I’m on vacation, ice cream matters.
But I don’t need to have ice cream every day. If I do, it no longer matters. (It also plays hob with my cholesterol.) Thus skeptical spending keeps me from piddling away a ton of money on things that ultimately make no difference in my life.
Besides, remembering the tough times helps me keep money in perspective. It reminds me that I don’t really need much to live on. It also reminds me how blessed I am: After meeting basic needs I now have the luxury of selecting from among my wants.
So join me. Look for the place between paranoia and profligacy. Look for balance. And look in thrift stores on half-off days. I’m still mildly irritated that I spent $14.99. That coat better last another 25 years.
A cruise can satisfy the greatest wanderlust, satisfy your favorite (and newfound) food cravings and open new horizons and interests you never thought possible. But you can also fall for tourist traps or miss the authentic culture of the places you visit.
🤓Nerdy Tip
If you’ve never cruised, talk to others who have more firsthand insights. Their perspective can shed even more light on the experience you can expect.
Going on a cruise has pros and cons, and it may be worth reviewing them before your next sailing. Let’s look at the pros and cons of cruises.
Pros
A good deal
Cruises can be costly, but you get more than just a great view of the ocean. Cruise bookings often include your:
Accommodations.
Some drinks.
Entertainment.
Recreational amenities like pools and waterslides.
Other onboard activities.
You can step aboard the ship and not spend a penny if you play your cards right.
There are plenty of ways for cruises to pull more money out of your pocket on board (think: spa, specialty restaurants, upgraded drink packages, shore excursions, shops and casino), but you can still have plenty of fun without spending an additional dime.
Cruise lines are reinventing their onboard options, and specialty restaurants tap in to the talents of well-known chefs and restaurateurs. This can take some of the boredom away from the same dining rooms, but it comes at a cost.
For the most part, however, if you find a good price on the cabin, the number of inclusions that come with it can quickly drive down the cost of an overall vacation. Of course, the more you spend on the cabin (some of those luxury suites, for example), the lower the bargain you’ll get.
Entertainment and education galore
You read that right — you can learn something educational on a cruise.
Many cruises have port talks, destination immersion lectures covering the history and culture of a place, art galleries and trivia games. You can learn something on board, and then when you’re ashore, you can explore the destinations you visit.
Cruises are a great way to learn more about the world, meet new people and learn from them, too.
And there is more entertainment than you can shake a stick at on board and ashore. From musical performances to game shows and cinemas, you can easily fill up your schedule.
Every ship is different, so it is important to review what is available on your sailing if staying busy is your goal. Otherwise, bring a book and watch the world float by from the deck.
On sea days (when the ship is traveling between ports), it’s like having your own resort with pools and activities included in the overall cost of your vacation.
Maximize your time
A cruise can introduce you to many places at once without your worrying about unpacking and repacking between destinations or paying for transportation between cities.
You unpack once and then are on your way, with all of the details handled for you — from immigration protocols to where to go and when.
The cost of a cruise includes a preplanned journey to some of the most popular points within a region and your transportation between them.
For example, your itinerary may have multiple Mediterranean cities or several European capitals.
There’s something quite relaxing about waking up each morning in a new city. And when you return after a day of exploring, housekeeping has cleaned your room.
A cruise may be a great option for less-frequent travelers because the cruise line is essentially “holding your hand” along the way.
Even better, some stops may be hard to reach by land — like many Alaskan ports — or expensive to reach independently, like some Greek islands or pricy ports in the Caribbean like St. Barts.
Family and group travel come easy
Cruises are an easy option for groups traveling together. Unlike on land, where it can be hard to find restaurant reservations for large groups or find one activity that suits every interest, cruises have something for everyone.
People can branch off to do what they like on the ship and then meet back up an hour later without worrying about traffic or safety issues for kids.
Cons
Lots of people
While this varies by ship — some enormous ships have so much space that there are plenty of areas where you’ll be one of only a few people — crowds may flood popular areas.
For example, people vying for their moment in the sun may swarm the pool deck and families may descend on the water park area simultaneously.
Lines can form at popular buffets or restaurants at meal times, and when it’s time to go ashore (or disembark after the cruise), you’ll be one of many waiting in line.
Repetition
If you’re not willing to pay for specialty venues or you’re on a smaller ship that doesn’t have many free dining options, you may find that the dining rooms become repetitive. Menus change daily, but the setting does not. The window views at dinner will vary by destination, though, adding a bit of pizzazz.
If you make an effort, it is possible to find different things to do each day on almost all larger ships. River cruises, on the other hand, are much smaller and tend to feel more repetitive.
The same premise appears with the destinations for repeat cruisers. Because the cruise line plans itineraries, you may visit places you have been to multiple times if you sail often enough. It becomes harder to exclusively visit “new-to-you” places.
If it’s the latter you’re after, planning your own trip may be a better option.
One price is not always just one price
If you loosen your purse strings easily, spending more than you realize aboard a ship is possible.
A few cocktails by the pool each day, an extra tour or specialty restaurant dinner another, and before you know it, you’ve paid twice as much as you thought. It’s wise to board a ship with a budget in mind and plan your sailing accordingly so you don’t overspend without realizing it.
Tourist traps
Cruise lines are often important economic engines for destinations. You may find yourself dealing with tourist traps, such as shops by the port, and beginner tours organized by the cruise line.
If you want the most authentic experience, it might be worth studying local guides and tour options online in advance to find something more authentic without falling for what’s waiting for you right at the port.
If you’re going on a shore excursion through the cruise line, you can count on being carted to places designed for large groups rather than hidden gems. Many tours often include a stop at a local shop or business that may be presented as authentic, but locals will tell you it is not.
This trend is amplified because travelers usually have only one day at each destination. As a result, time is of the essence to visit the most important sights without wasting it at tourist traps.
Frequent cruisers, however, will tell you that you should use a cruise to determine places you want to return to by using it as a sampler to explore many destinations. They also suggest planning what you want to do so you can hit the ground running.
Exploring independently or with a local guide (not booked through the ship) can often be your best bet. It also has the added benefit of directly supporting a local business or guide rather than funneling that cash through the cruise line.
The pros and cons of cruises, recapped
It’s unfair to decide how you feel about a cruise without trying one. Even those who insist they wouldn’t like one may end up having a good time.
Perception is not always reality, and you can be better prepared by considering all of the pros and cons of a cruise in advance. Talk with people on either side to get answers to your questions.
Not every type of travel is for everyone, but the ever-expanding cruise industry keeps adding amenities, perks and destinations. That alone speaks for itself.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Plenty of the folks body-slammed by the current recession are also fearful, according to Dr. Ted Klontz, co-author of Mind Over Money: Overcoming the Money Disorders That Threaten Our Financial Health. Even after their finances improve, he says, it’s likely that some “are going to have a lot of difficulty (taking) care of themselves and their families in reasonable ways.”
