How to Save 87% on a Quality New Mattress

5 Reasons Your Next Mattress Should be a “Bed in a Box”

Three months ago, my wife and I decided to replace the mattress on our king bed. We went into our nearby Mattress Firm store. The type of mattress that would work for us—soft enough for my wife while firm enough for me—cost $2,615.

One wrapped, and one unwrapped, bed in a box

Twin-sized “bed in a box” mattresses (for our twin boys) before and after unpackaging them

Now, I believe in the importance of a good night’s sleep and would be willing to pay for it if necessary. After all, you might spend one-third of your day in bed. But $2,600 seemed like a lot to spend.

After visiting Mattress Firm, I did some research. It was only then that I discovered the relatively new “bed in a box” mattresses. At first, I was extremely skeptical that they would compare to traditional mattress. But after a fair bit of research, I was won over. I bought one . . . for just $329!

And now that my wife and I have slept on our bed in a box mattress for a few months, I can’t imagine ever going back to a traditional mattress. In this post I’ll briefly explain what a bed in a box is and share 5 reasons why the next mattress you get should be a “bed in a box.” (more…)

Party of Five? Don’t Double Your Hotel Costs by Booking Two Rooms.

When our third child was born almost ten years ago, I was so excited. Another healthy baby boy to round out my future golf foursomes! We were now only one short of our own basketball team and could play two on two in soccer whenever we wanted. There was only one problem (besides the need for a minivan). I thought we would be stuck booking two hotel rooms whenever we went on vacation. That would seriously strain the travel budget.

My Party of Five

But necessity is the mother of invention. I have spent the last nine years perfecting the art of travelling with a family of five. Arguably the most important skill I’ve learned is how to find hotel rooms that will comfortably fit our whole crew. By booking one hotel room we save tons of money. Plus, we get the memorable experiences that only come from sharing a room.

Every major hotel chain has a brand that will sleep five people. I will focus on the three brands I know and love the most: (more…)

How to Buy the Best Diamond Engagement Ring for Your Budget

And Avoid Making Two Mistakes That Can Easily Cost You Over $1,500

If you happen to be on the verge of buying a diamond engagement ring, this post is for you. Most of you probably aren’t in that situation, however. In that case, this post is for the friend or brother or son of yours who is getting close to popping the question.

Man proposes to woman with diamond engagement ring

For most people, purchasing an engagement ring presents a challenge. On the one hand, you want to get something really nice—something that your girlfriend will be happy to wear even many years from now. On the other hand, your budget is limited, especially when you’re just starting out.

Fortunately, there is a way to get a fantastic ring for much less than most people pay. I used this approach to buy my wife’s engagement ring more than 10 years ago. And I’m not ashamed to admit it. Why? Because it isn’t about being cheap. It’s about getting the absolute best ring you can for your budget. Here’s how to do it: (more…)

Why and How to Take a 10-Minute Nap

A Scientific Approach to Improving on the Power Nap

Do you feel too tired in the afternoon to do work worthy of your ability? Or do you feel too drained at the end of the day to give your best to your loved ones? If so, you should take a 10-minute nap during the day. After reading the science behind its effectiveness, I’ve been experimenting with it. And I’ve found it to be a complete gamechanger.

Woman taking a quick, 10-minute nap at her desk

Perhaps, like me, you rarely nap. Perhaps you consider it “unmanly” or even impossible given your job or schedule.

In this post I address those concerns. I argue for the benefits of a 10-minute nap. And I discuss how to pull it off. (more…)

How to Make the Best Purchase Considering Quality AND Price

Use My “Product Decision Tool” to Decide Quickly Between Similar Products

Imagine you are looking to buy a refrigerator, a web cam, or a printer. Odds are you will find many products with very similar features. The question then arises: should you buy whichever one is highest-rated, regardless of the price? Or should you buy whichever one is cheapest, regardless of its quality?

I believe that quality and price are both important. And I’ve developed a method for using both criteria to decide quickly which product to buy when comparing products with similar features.

I’ve used this method to decide which refrigerator, washer, or dryer to buy—“big ticket” items where I didn’t want to make a mistake in terms of money or quality. But because the method is so easy, I’ve also used it to decide between “small ticket” items like web cams, printers, and blenders.

Here’s the method, which you can use to make a great purchase whenever deciding between two or more similar products: (more…)

How to Make a Fresh Start

7 Steps to a Life Course-Correction

Do you ever feel off course? Like you’re drifting through life or headed in the wrong direction? Or maybe “wrong direction” doesn’t even make sense because the destination itself has disappeared.

Pointer in the sea on the boat.

If so, you’re not alone. Though it can feel that way sometimes.

The truth is that every person makes course-corrections in life—probably thousands of them. I certainly do.

Navigating life is a lot like driving a car. When driving, you spend almost every second adjusting the direction of the car to the desired course. Most of those adjustments are minor, almost imperceptible. But sometimes you make a 90- or even 180-degree turn.

Oftentimes, the need for a course-correction is forced upon us. Something sudden or tragic happens that demands a response.

But we can also take the initiative. We can be proactive in setting a new direction—in making a fresh start.

Twice a year I make a deliberate fresh start. Doing so helps keep me on—or get me back on—the path I want to be on. And when the inevitable tragedy hits, the reorientation is much less jarring.

In two days (on Ash Wednesday, the start of Lent), I’m going to make another fresh start. Following is the process I am using to prepare for it. You can use these 7 steps at any time to make your own fresh start: (more…)

Which is Better: To Earn Money or to Save It?

This post is from contributing author Matthew Houtsma. Matthew and I have been friends for over 30 years. We attended school together from kindergarten through college, have traveled together in Europe, and co-founded an SAT prep company. Matthew is always looking for ways to save money, particularly when it comes to travel with his wife and three boys. The tagline of this blog is “helping you have more time and money for what matters most.” But many of us overlook key factors in how we value money. In this post, Matthew talks about one such factor and how a proper understanding of it can help you have more money and time.

Would you rather get a $1,000 bonus at work or save $900 on plane tickets for an upcoming trip you have already decided to take? Or, would you be better off earning $1,000 driving for Uber or negotiating with your cable and phone company to save $720: $60 per month for the next 12 months, say?

Man holding glass jar with money in it

While you might think the first option is obviously better in both scenarios, for the vast majority of working adults, the second option is preferable. The reason why is simple but important to understand and keep in mind: (more…)

How to Do Everything at the Most Optimal Time

Discover the Best Time—Based on Your “Type”—to Fall in Love, Interview for a Job, Ask for a Raise, etc.

Is there an optimal time of day to fall in love, interview for a job, or ask for a raise? According to the book The Power of When, which I just finished reading, there is. The author, Dr. Michael Breus, argues that there are 4 types of people. For each type, Breus lays out the most optimal time of day to engage in a wide range of activities from training for strength to seeing a therapist to presenting your ideas.

A picture of a lion

One of the four types of people is the “lion,” the quintessential morning person.

“’When’ is the ultimate life hack,” writes Breus. “It’s the foundation of success, the key that unlocks a faster, smarter, better, and stronger you. Knowing ‘when’ enables you to perform ‘what’ and ‘how’ to your maximum potential.”

In this post I briefly summarize the 4 types of people. Then I show the most leveraged time of day for your type, and the other three types of people, to undertake important activities in order to get from them the most bang for the buck. (more…)

Last Chance to Get $1,075 from these 2 Credit Cards?

These 2 Cards May Disappear with the Marriott/Starwood Merger

Marriott and Starwood are in the process of merging. One likely outcome is that Chase and AMEX will discontinue a couple of currently available Marriott/Starwood credit cards with nice signup bonuses (worth $488-$587 in travel). If you’re interested in these cards, you should consider grabbing them before they’re potentially gone.

2 credit cards stuck in the sand

Here are the cards that folks in the know speculate will disappear: (more…)

How to Get Roadside Assistance on the Cheap

And Why I’m Cancelling My AAA Membership After 25 Years

Have you ever locked your keys in the car, ran out of gas, or found out your car’s battery is dead? Those are frustrating situations. And when they occur, it’s nice to get help. That’s why I’ve been a member of AAA for—gasp—25 years: because AAA offers great roadside assistance. But I had to decide by today whether to renew my membership or let it lapse.

Roadside service technician changing a tire

After a quarter of a century, I finally got around to researching whether the cost of membership is worth it. And for my wife and me, I’ve decided that it is not. Following is why I’m cancelling my AAA membership and, more importantly, how you can get roadside assistance on the cheap—even for free. (more…)