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6 Realistic Life Hacks for Saving Money on Your Wardrobe

6 Realistic Life Hacks for Saving Money on Your Wardrobe

There are so many articles out there telling you how to save money and cut corners.

However, half the time the advice is so altruistic it would take you months, if not years, to completely change how you interact with the world. You know the advice I’m talking about – the “before you make a purchase take a minute and think if you’ll really be happy with the transaction later” tip.

Don’t get me wrong! It’s good advice, but it’s just unrealistic – especially for a lot of us who are living in a big city and need to pay for rent, internet, food, transportation, insurance, etc. where anything leftover goes to keeping our sanity for one more week.

The other half of the advice is such small changes that it would take an equally long amount of time to nickel and dime your way to making your rent payments. While storing the old change you found in your car and couch can amount to something, someday – it’s not going to help you in the short term.

Like instead of buying name brand coffee, buy generic coffee and save 12 cents on every purchase – YES, that does add up, but while you are piling up those miniscule savings, your bills are piling up.

So how do most of us handle this?

We do what we always have done and cut corners. Our car can go another month without an oil change. Our phone still works, you just can’t read anything in the top right corner or swipe your finger too fast. Our jeans aren’t ripped, they’re just fashionable.

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Well, I can’t help you with your car or phone, but I have found some pretty nice tricks to reducing the cost of your wardrobe, which I quickly discovered was eating up about as much of my monthly expenses as my car payments were.

1. Deals Are SO Easy To Find

The first thing to realize is that certain stores such as Macy’s and Kohl’s that have deals all throughout the year that should be taken advantage of. Both of those stores also have credit cards that offer additional savings to their subscribers. Additionally, small to medium sized stores run promotions throughout the entire year in order to compete with these huge clothing stores, so keep an eye out.

It seems a lot harder than it actually is, due to how much these stores need to promote, but social media is a great way to stay on top of it. You can start checking social media, as every store has a Facebook or Twitter page, but that can be tricky from the shopping perspective since you will be hardwired into looking up your favorite stores or the biggest brands and get caught back into the cycle.

Instead, look for Facebook deal pages or discount pages, as these places get approached by the smaller to mid sized retailers to promote their campaigns. Some companies run campaigns or contests throughout the year to promote their company and offer sweet deals (like free shoes for a year from KicksUSA or $2k from ModCloth) and others offer steep discounts on designer items! Definitely keep up with these pages. You never know when you’ll get lucky!!

2. Don’t Buy When You Can Rent

If you have a job where you have to dress professionally or are just someone that wants to mix up their wardrobe, it can get pricey. However, with sites like Rent the Runway, where you can rent clothing and accessories, or Bag Borrow or Steal, where you can rent handbags, there’s an opportunity to be fashionable and financially responsible all at once!

Additionally, there are sites like StitchFix, BirchBox, and Warby Parker that help you to save money by making sure you love what you want to purchase before you fully commit. How many times have you bought something online but it didn’t look like you thought it would when it actually arrived. There’s nothing quite like that disappointment.

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StitchFix has you fill out a survey and then a designer will personally pick out outfits for you. If you like what they sent, you can purchase the items. If not, you simply mail it back. BirchBox sends you beauty samples that you can try out before purchasing the larger versions. This can save a lot of money in the long run. Finally, Warby Parker allows you to select a number of glasses to try on before making the final purchase. These and other similar companies are a great way to try on our try out items without going to the store!

3. Take Advantage of Credit Card Deals

A lot of people don’t do enough research to take advantage of credit cards like they should. Not only are cashback bonuses, store cards and other deals a great way to save on clothes, but they can be very helpful in other areas too.

As mentioned above, many stores offer cards specifically for purchasing items from that store. Stores like Target offer 5% cashback just for using the card to make in-store or online purchases. Definitely worth signing up for cards that can save you a little (or a lot depending on how much you tend to splurge at Target).

If you’re someone who loves to travel, but don’t think you can afford it, check out some credit cards with no international transaction fees, no annual fee and sign up bonuses. This college student spent three weeks traveling in Europe by using credit card rewards and cashback bonuses, so it really works!

For example, by using the Discover Miles card you get 1.5x miles on every dollar you spend. Discover also offers a CashBack card that charges no international transaction fees and can help you with day-to-day purchases as well. Also, other travel cards offer bonus miles for just signing up (like the Chase Sapphire Preferred card). The Marriott Rewards card also can help you save on your hotels too!

Also, something to note about looking for a card for traveling abroad – make sure there are no international transaction fees. These fees can surprise you when you get your bill after your trip. Sometimes these fees can tack on an additional 2-3% so it’s important to find a card without those tricky fees.

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For more credit card tips, check out Nerd Wallet’s picks for best cards with sign up offers, cashback bonuses, and no foreign transaction fees!

4. Free Shipping Is Always Worth It

This one seems obvious, but still needs to be said. If a company is offering free shipping, take them up on their offer! It is only natural to want the new pair of shoes you just bought the next day since you want to wear them out this weekend, but it is not worth it.

Shipping a pair of jeans across a couple of state lines can cost you anywhere from an additional 12% and up, which immediately inflates the cost of any purchase you make. You click on an item thinking that you are buying a $70 pair of pants, which you think you might be able to afford, and then by the time you are finished with the checkout, you have spent closer to $80.

There are some ways to help with this too, of course. Amazon Prime is only $99 for the year and offers free one or two day shipping on so many items. Additionally, some stores like Forever 21, Charlotte Russe and Payless offer free shipping on orders over a certain amount. But what if you only want one $25 item? With shipping, you could be paying $30 in total. How do you avoid that?

Check to make sure they offer free returns first. Then, if they do, add some items to your cart to reach the limit that meets the requirement for free shipping.

Once you get the package, send back the items you don’t want and you’ve just saved money on shipping. While this is a bit more of a hassle, if you really want to save a few bucks, it’s a good way to do so. Or try finding stores that offer both free shipping and returns regardless of the price of your purchase, like Old Navy and GAP.

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5. Time Your Purchases

Are you a last minute shopper? Fight that urge! For Christmas, Birthdays, Anniversaries and other holidays, make sure you have your gift(s) at least one week beforehand. That means making your purchases at least two weeks before the specified date. If you wait too long, not only is there a chance you may not get the item in time, but you could have to pay astronomical fees in shipping in an effort to get it on time. Make sure you stick to sites ordering deadlines to get your items on time and for a lower price.

On the other hand, another natural urge is to buy something that we want to wear and then wear that item immediately. This is the toughest one to do because it goes against our nature. We want the immediate gratification of the purchase. However, the best deals on clothes occur at the end of a season. So instead of buying your bathing suit as soon as they are released in store, wait until August or Labor Day. Instead of buying a new winter coat or sweater in October, wait until late March or April to save.

However, if you can handle the disappointment of looking in your closet and seeing clothes that you love but can’t wear until next year, then you will be able to cut your spending by almost a third! There are even sites that tell you the best time to buy an article of clothing or a piece of jewelry.

6. Be Wary of Black Friday “Deals”

Everyone always makes a big deal about Christmas and Black Friday shopping, but don’t be fooled!

A lot of these deals sometimes turn out to be a total scam.

To make sure you don’t fall prey to these “deals,” go into the major department stores a few days before Black Friday to check normal prices. Then, when you go into the store on Black Friday you’ll sometimes notice that expensive items have been marked up so that they can put a 50% off sticker on the item. The item then turns out to be just as expensive, if not more so than before. Not all stores do this and it doesn’t happen to all items either. Just do your research to make sure you don’t get the wool pulled over your eyes.

Also, while the same scams can occur on smaller holidays, don’t discount them either. Sales on popular weekends like Memorial Day, President’s Day and Labor Day are usually swarming with sales to be had. A lot of these deals tend to be more legitimate because stores are trying to get rid of their current inventory to make room for the next season’s merchandise.

Therefore, get your calendar in check, and have an alert set for the week before every holiday, no matter how small, and just do a quick search to see what type of deals are out there. You will be astonished at home many things you couldn’t afford will be 40-50% off for a holiday like Flag Day.

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Last Updated on July 4, 2019

25 Killer Sites For Free Online Education

25 Killer Sites For Free Online Education

Whether you’re five or ninety five, the internet has a lot to offer. Particularly when the topic is education, the resources on the internet are endless.

Best of all, many high quality sites are completely free. From history to coding, excellent free online education awaits on the following 25 sites.

1. Coursera

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    Coursera is a website that partners with universities and organizations around the world. This brings a wide variety of topics and perspectives to one searchable database.

    Coursera is a powerful tool for free online education, and includes courses from many top universities, museums and trusts. This gives the site an extremely wide range of in-depth courses.

    Coursera is extremely useful if you’re looking to study many different topics, or want courses from different schools and groups.

    2. Khan Academy

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      Partnering with many post secondary schools, Khan Academy offers a useable, well organized interface. Also curating many courses from around the web, Khan Academy offers impressive depth on many different subjects.

      Among the more well known educational sites, Khan Academy is also incredibly useable, which may make it easier to keep learning goals.

      3. Open Culture Online Courses

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        If you are struggling to find exactly the material you are looking for, try Open Culture’s listing of free online education courses. The page highlights 1000 lectures, videos and podcasts from universities around the world. The site features a lot of material found only on universities private sites, all in easy to browse categories. This means you can find hundreds of university courses, without having to visit and search each university’s own site.

        Open Culture’s list features courses from England, Australia, Wales and many state universities around the United States. A very helpful resource for finding many courses in one area of study.

        4. Udemy 

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          Udemy’s free courses are similar in concept to Coursera’s but additionally allows users to build custom courses from lessons.

          Working with many top professors and schools, the site mixes the customizable platform of other sites with a heavy emphasis on top quality content. This is another site however, that mixes free and paid content.

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          5. Academic Earth

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            Another site with courses from many different schools is Academic Earth. Much like the three sites above, Academic Earth brings together top notch courses from many different sources, and focuses on offering a wide variety of subjects.

            Academic Earth lists courses by subject and school, so it might be easier to find what you’re looking for.

            6. edX

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              Another great option for free online education is edX. Also bringing together courses from many different schools, the site has impressive, quality information for everyone. edX covers a great range of topics.

              7. Alison

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                Unlike the previous sites on this lists, Alison is a free education site offering certification in some areas. Alison offers courses mainly in business, technology, and health, but also includes language learning courses.

                It’s a great option if users need certification for their learning as Alison also offers school curriculum courses.

                8. iTunesU Free Courses

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                  A very convenient place for free online education is iTunesU, because it integrates seamlessly with your iPod, or any app-ready Apple mobile device. On iPad, iPhone, or iPod touch, users download the iTunesU app.

                  Desktop users can access  iTunesU on the upper right hand corner of the iTunes Store. iTunesU is also convenient because the store is categorized much like iTunes.

                  Users can search learning materials in many different ways, including genre and topic. However, courses are often a mix of free podcasts or videos, and paid content.

                  ITunesU does include courses on a pretty wide scope of topics, but does not integrate with Android, Google or Windows mobile devices.

                  9. Stanford Online

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                    Your hub for all the online offerings from Stanford University, Stanford Online offers self-paced and session based courses. While Coursera features some courses from Stanford, many classes are only available via other hosts. Some courses require iTunes, but most are completed in your web browser.

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                    Stanford Online is a great site for high quality courses, though the topics are somewhat limited compared to sites partnered with more than one school.

                    10. Harvard Extension

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                      Like Stanford Online, Harvard Extension features free online education courses from Harvard only. This is another excellent source for top notch course material, though the course variety is less rich than multi-school sites.

                      Additionally, Harvard Extension allows you to search for courses by professional certificate. This makes it much easier if your online education goal includes certification.

                      11. Open Yale Courses

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                        Open Yale Courses echoes Harvard Extension and Stanford Online, in that it offers only courses from Yale. While the site is similarly limited to topics taught at the school, Open Yale Courses offers a lot of videos of actual campus lectures. The availability of videos makes the site a great option if you’re looking for quality courses, but learn better by watching than by reading.

                        12. UC Berkeley Class Central

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                          Much like the other schools on this list, UC Berkeley has a variety of free online education options. The school has slightly fewer courses than the schools above, but includes some supplementary lectures, webcasts and RSS Feeds, making it easy to keep up with the topics you choose.

                          13. MIT OpenCourseWare

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                            Similarly, MIT offers a variety of free courses. The school has a comparable number of courses to the schools above, plus includes very in-depth course materials on the subjects available. MIT also offers free RSS feeds, a convenient way to continue learning.

                            14. Carnegie Mellon Open Learning Initiative

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                              Carnegie Mellon’s free online education site is comparable with the other school’s on this list, however, Open Learning Initiative also covers a smaller range of topics. But for the topics that are covered impressive, in-depth material is available.

                              15. Codecademy

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                                Codecademy is a website dedicated specifically to teaching coding. Where other coding sites follow an example/practice session workflow, Codecademy includes a live practice window. This means you can practice coding while still viewing the lesson material.

                                The courses at Codecademy are well written and easy to follow and the website is organized very nicely. Codecademy features a centralized dashboard where you can monitor your progress, plus organizes lessons into complete modules. This lets you learn an entire language without needing to pick the next course manually.

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                                16. Code

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                                  Code is another website focused on coding and app writing. A site with high quality courses, Code also features learning options for kids.

                                  In addition to kid friendly courses, Code offers free online education classes on a wide variety of technology topics. These classes include app writing, robotics and Javascript.

                                  Most of the courses are also geared in a such a way that they can be useful in a classroom setting. This makes Code a great resource for harder to find coding topics, as well as various learning settings.

                                  17. University of London Podcasts

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                                    The podcast page on the University of London website is another great source for free education. While the courses are limited to podcasts, the site features podcasts from it’s own campus, as well as eleven universities in and around London. This gives learners a wide base of topics and lectures, but still ensures in-depth material.

                                    18. University of Oxford Podcasts

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                                      Similar to the University of London, the University of Oxford features many different podcasts. Most are public lecture series or lectures from visiting professors, with several different recordings available.

                                      The advantage to this particular site is that podcasts are organized into series, making it easy to subscribe to multiple lectures on one topic. Another good site for thoroughly in-depth lectures.

                                      19. BBC Podcasts

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                                        For the more casual learner, the BBC offers a wide variety of podcasts on many different topics. Most podcasts are updated weekly, and focus on everything from finance, to sports, to current events.

                                        Through the World Service line of podcasts, there are also many in different languages. The focus of these podcasts are less in-depth and theory based, which may be more accessible to the average person.

                                        20. TED-Ed

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                                          Another great destination for more general learning is TED-Ed. From the same people that brought you the all encompassing, motivational web series, comes a site chocked full of educational videos. Most include impressive animation, and all are ten minutes long or less.

                                          Not only is TED-Ed an excellent site for the curious, it also includes supplemental materials and quizzes on the videos. This makes the site extremely useful in formal education settings, as well as in entertaining ways to brush up on new discoveries and topics.

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                                          21. LessonPaths

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                                            LessonPaths is another great tool for those looking for a more usable and convenient way to access learning material. On this site, users create link playlists of their favorite learning materials from other sites. Users then rank these collections, making it easy to find many different high quality, accessible sources on a given topic.

                                            22. Memrise

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                                              Another impressive free online education site offering ease of use and convenience is Memrise. Available both on desktop and as an app, Memrise is a particularly powerful tool if you are studying a language. The site encompasses many other topics as well, though some of the course material is user generated content.

                                              Part of what makes Memrise special is their integration of games into the learning materials, mixing learning with entertainment.

                                              23. National Geographic Kids

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                                                The kids site for National Geographic is another site that makes free online education applicable for younger users. For those looking for kid friendly education, a large variety of games, puzzles, videos and photos keeps kids interested on this site.

                                                National Geographic Kids doesn’t organize learning into courses, making materials available by topic and medium instead. This makes National Geographic Kids a good option for those looking for a more casual learning environment.

                                                24. Fun Brain

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                                                  Fun Brain is another good option for kids who want to learn online, but focuses on games and fun puzzles. Particularly focused on math and reading, Fun Brain’s game based approach can be valuable if the child in question struggles to pay attention.

                                                  Fun Brain offers rewards and challenges as well, and is another site aimed at a casual learning experience for kids K-8.

                                                  25. Whyville

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                                                    Similar to the sites for kids free online education is Whyville a destination for preteen online learning. The site includes a variety of social features, with a focus on learning materials geared for young teens.

                                                    Whyville also mixes in educational games, to make the site a well rounded option for kids too old for simple games, but too young for heavy reading based material.

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                                                    Featured photo credit: Dai KE via unsplash.com

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