Netflix Prices Have Gone Up: 5 Netflix Alternatives For You To Try

Netflix recently announced they would be raising their prices on all of their streaming and DVD rental plans. What are some alternatives?

The post Netflix Prices Have Gone Up: 5 Netflix Alternatives For You To Try appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

The 5 Best Hyaluronic Acid Serums

Woman using best hyaluronic acid serum

Hyaluronic acid has gained a reputation of being a miracle product for the skin, and for good reason. It relieves dry skin, accelerates the healing of wounds, and reduces the appearance of fine lines and wrinkles. And that’s just to start. It can be a key ingredient in moisturizers and face masks, or it can be concentrated in a serum that you can apply as part of your everyday skincare routine. 

If you’re looking to give this versatile product a spin, any of the five below are excellent picks that won’t break your budget. (See also: The 5 Best Stay-At-Home Skincare Essentials)

Top 5 Hyaluronic Acid Serums

Cosmedica Skincare Hyaluronic Acid Serum

The Cosmedica Skincare Hyaluronic Acid Serum is a best-seller on Amazon and can be used on all skin types. This serum is natural and organic, and improves overall skin texture and brightness. You’ll see a noticeable difference in your skin in terms of plumpness, softness, and balance. And it’s cruelty-free, paraben-free, and without dyes or fragrances. 

It’s also backed by over 15,000 five-star reviews on Amazon.

Currently $15.00 at Amazon.com

The Ordinary Hyaluronic Acid + B5 Serum

The Ordinary Hyaluronic Acid + B5 Serum is famous for a reason. This brand creates simple, straightforward skincare products for all skin types. The hyaluronic acid + B5 serum has a concentration of 2% for multi-depth hydration in a water-based formula and the B5 also enhances surface hydration.

This serum is cruelty-free and backed by over 2,000 five-star reviews on Amazon.

Currently $16.95 at Amazon.com

TruSkin Vitamin C Serum With Hyaluronic Acid

TruSkin Vitamin C Serum With Hyaluronic Acid is the perfect blend of ingredients that your skin needs. Vitamin C blends with hyaluronic acid and vitamin E in this advanced formula to target common signs of aging, including dark spots, sun spots, brightness, firmness, wrinkles, and fine lines. And it’s free of synthetic color additives, fragrance, and stabilizers, while dynamic active botanicals like Aloe Vera, MSM, Botanical Hyaluronic Acid, Witch Hazel, and organic Jojoba oil make this serum feel silky smooth on the skin.

It also has over 15,000 five-star reviews on Amazon.

Currently $19.99 at Amazon.com

Yeouth Pure Hyaluronic Acid 

Yeouth’s Pure Hyaluronic Acid can diminish signs of dark circles, age spots, and puffiness when used regularly. This formula is made from naturally-derived ingredients that protect and nourish even the most sensitive skin, including delicate skin around the eyes and lips. It boosts collagen production and holds in moisture. 

It’s also cruelty-free and paraben-free, and backed by over 3,000 five-star reviews on Amazon.

Currently $21.95 at Amazon.com

Tree of Life Hyaluronic Acid Serum

The Tree of Life Hyaluronic Acid Serum also has vitamin C and vitamin E, and this formula is infused with special anti-aging ingredients designed to further enhance and activate hyaluronic acid’s moisturizing properties. Hyaluronic acid is known for helping the skin stay supple and soft and reducing wrinkles and age spots.

It’s backed by outstanding online reviews, including over 3,000 five-star reviews on Amazon. 

Currently $10.95 at Amazon.com

And those are our recommendations for the best stay-at-home kitchen essentials. As always, be sure to check Wise Bread’s Buying Calendar to learn when and how to buy just about anything!


15 Best Cheap College Textbook Rental Sites

Renting your textbooks is a great way to cut the cost of your college experience. Here are some of the best cheap college textbook rental websites to try.

The post 15 Best Cheap College Textbook Rental Sites appeared first on Bible Money Matters and was written by Lorraine Smithills. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Personal Financial Improvement With The Fruit Of The Spirit

How does love apply to money? Is it possible to be joyful even when broke? Do I have the self-control to get out and stay out of debt? Find out more!

The post Personal Financial Improvement With The Fruit Of The Spirit appeared first on Bible Money Matters and was written by Tim Kiser. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

How to Maximize Rewards on Everyday Spending

Woman using credit card on everyday spending

While many rewards enthusiasts focus on signing up for new credit cards to earn signup bonuses, not everyone has the time or desire to play the signup game. There is effort involved in tracking multiple cards, annual fees, and rewards programs, after all, and some people don’t want to spend their time or mental energy this way.

If you’re someone who falls into this category, you may be better off maximizing one or two cards instead of chasing rewards. Fortunately, you can earn plenty of rewards over time if you’re savvy about your card’s benefits and bonus categories.

The key to getting the most out of your rewards cards is understanding how they work and looking for opportunities to earn more points on your everyday spending. Here are some tips that can help.

Brainstorm every bill you could pay with a credit card

Because rewards cards offer points based on each dollar you spend, maximizing the amount you can spend on credit is the best way to boost your rewards haul. The smartest strategy to use here is figuring out how many of your monthly bills you can pay with a credit card.

While you may not be notified or aware, it’s possible that bills you’ve been paying with a check or debit card for years can be paid with a credit card without any fees. While your bills may vary, some expenses you should try to pay with a credit card include:

  • Rent
  • Utility bills like electric or gas
  • Health insurance
  • Cable television and internet
  • Cell phone
  • Taxes
  • Daycare
  • Auto and home insurance
  • Subscription services
  • College tuition or student loans
  • Medical bills
  • Lawn care

Keep in mind that these are just some of the bills you could be paying with credit. Depending on your situation, you could have additional, uncommon expenses to cover that could be paid with credit with ease.

Also, remember that these additional bills should be paid with credit on top of your everyday expenses like groceries, dining out, gas or bus fare, and miscellaneous spending. Every time you buy something in person or online, you should strive to pay with your rewards card if you can.

Leverage your rewards card bonus categories

It’s also important to leverage your favorite card bonus categories, whatever they may be. This is especially important if you have a few cards with different bonus categories since you’ll want to make sure you’re using the right card for bills that let you earn bonus points.

Let’s say you have a travel credit card that earns 3x points on dining and travel and another card that earns 6x points at the grocery store. In that case, you would be smart to use the travel card for dining and travel purchases and your other card when you stock up on food. While the amount of rewards you earn with individual purchases may seem nominal, using the right card for the right purchase can help you earn a lot more rewards over time.

Set up auto-pay bills to be paid with credit

Most of us have bills set up to be paid automatically, whether it’s our Netflix and Hulu subscriptions, gym membership, or utility bills. Make sure each bill you have set up to be paid automatically is set up to be paid with your rewards card and not a debit card. This way, you can earn rewards points on those expenses every month.

Use shopping portals and dining clubs

Many flexible rewards programs, frequent flyer programs, and hotel loyalty programs have shopping portals you can access to earn extra points. Major airlines like American, Delta, and United also have shopping portals that work similarly. (See also: How to Maximize Rewards Through Credit Card Shopping Portals)

Some programs like Southwest and Delta also offer dining clubs. These programs let you earn additional points or miles just for dining at participating restaurants in your area. It’s easy and it’s free to join, so you may as well earn extra miles on your spending if you’re going to dine out anyway. (See also: Everything You Need to Know About Airline Dining Rewards Programs)

How much the average family can earn

If you are skeptical the average family can rack up meaningful rewards without signing up for new cards over and over again, look at how this might work in real life. For example, imagine a family of four with two rewards card-toting adults. Across the two of them, they have:

  • A cash back card that earns 2% back
     
  • A travel credit card that earns 3% on dining and travel
     
  • A rewards card that earns 6% cash back at the grocery store on up to $6,000 in spending each year

To figure out how much this family might earn, we used Bureau of Labor Statistics spending averages from 2017. Here’s a rundown of that data for the year plus how much a family could earn in rewards over 12 months based on average expenses:

  • Food at home ($4,363): $261.78 in rewards at 6%
     
  • Food away from home ($3,365): $100.95 at 3%
     
  • Utilities, fuels, and public services ($3,836): $76.72 at 2%
     
  • Household operations ($1,412): $28.24 at 2%
     
  • Household supplies ($755): $45.30 at 6%
     
  • Household furnishings and equipment ($1,987): $39.74 at 2%
     
  • Apparel and services ($1,833): $36.66 at 2%
     
  • Gasoline and motor oil ($1,968): $39.36 at 2%
     
  • Other vehicle expenses ($2,842): $56.84 at 2%
     
  • Healthcare ($4,928): $98.56 at 2%
     
  • Entertainment ($3,203): $64.06 at 2%
     
  • Personal care products ($762): $45.72 at 6%
     
  • Education ($1,491): $29.82 at 2%

Total rewards: $923.75

While $900+ is a lot to earn in rewards within a year, you have the potential to earn a lot more. After all, these are just some of the expenses the average family faces and not all of them. If you could pay some additional big bills with credit each month like daycare or your rent, you could significantly add to your bottom line.

What to watch out for

While maximizing rewards cards is a smart idea if you’re using them already anyway, there are always pitfalls to be aware of when you’re using a credit card. Here’s what to watch out for during your quest for more cash back and travel rewards.

Fees for using credit

While there are many bills you can pay with credit without a fee, some vendors, merchants, and service providers charge a fee to use a credit card as payment. Fees are especially prevalent on bills such as utilities, cable or internet, rent, and insurance. Make sure to verify you aren’t being charged a fee to use credit before you proceed.

Annual fees

Don’t forget that some rewards cards charge annual fees. These fees may be worth it depending on your spending and rewards haul, but you should always factor them into the equation to make sure each fee is worth paying. If you’re against paying annual fees, look for rewards cards that don’t charge one.

Budgeting mishaps

Using a credit card for all your expenses may simplify your financial life, but it could also cause your budget to fall out of whack. Make sure you’re only spending on purchases you planned to make anyway, and that you’re tracking your spending and paying off your credit cards regularly.

Debt

Never use credit cards for purchases you can’t afford to repay if you’re pursuing rewards. The interest you’ll pay will always be much more than the rewards you earn. If you’re worried using credit will cause you to rack up debt you can’t afford to repay, you’re better off sticking to cash or debit instead.

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Want to maximise your credit card rewards? The key to getting the most out of your rewards cards is understanding how they work and looking for opportunities to earn more points on your everyday spending. We’ve got the ultimate tips and tricks to help you save money and earn more rewards! | #creditcards #rewardsprogram #creditcardrewards


Can You Be Evicted If You Pay Partial Rent

Times are tough. When you find yourself struggling to scrape together enough money to pay rent, what are your options? Will you face eviction if you can’t pay all of your rent on time? While rules vary from state to state, learn what commonly happens and what landlords can and can’t do when you can

The post Can You Be Evicted If You Pay Partial Rent appeared first on Apartment Life.