I never thought I'd become a divorce statistic, but here I am.

At first, I was grateful that we weren't separating on the ugliest of terms - there was no cheating or anything like that, it's just that every decision became shrouded in a passive-aggressive dance–the usual communication breakdown.

But then. For the divorce proceedings, he lawyered up with a shockingly expensive firm and tried to squeeze every penny out of me! I, slack-jawed and in tears, sat across from a blank-eyed version of him, while his expensive suit rattled off everything about me that did not look good on paper.

I hired the best lawyer I could find and drained my bank account to set things right.

So, single in my 40's, listening to the records my ex-husband hated at full volume in my new, smaller living room, I'm happy, but broke. Very broke.

Living on a single income with rent and divorce-related bills still piling up sent me into a panic. Looking around at all my assets (half as much as before), there was still one shining beacon of hope: my sweet little car, Eleanor. I'd bought her two years ago, and she was still in the top 5 of every reliable car list out there.

When looking at forums on how to sell a car, tears in my eyes, I found a second option; refinancing my loans with a company like RateGenius. If you have good credit, you can refinance as soon as a year out of obtaining your car.

I went onto their website and found it incredibly easy to navigate. I filled out a basic pre-qualification questionnaire about myself (name, address, how long I had my car for), and was informed that because this questionnaire was only a pre-qualification, I would have zero impact on my credit score.

Within minutes I was pre-qualified, and took me to a rate table to show me potential options. Impressed with what was being offered, I went ahead and finished the full application which only took minutes. It didn't take me very long to get assigned with a representative Jenny, who held my hand throughout the entire process.

Because my car was very important to me, I asked her multiple questions with a lot of details, and Jenny patiently and kindly explained everything back to me. She told me first and foremost that I wouldn't be in danger of paying RateGenius a large fee: the company negotiate with lenders to lower my rates or lower the amount of time I was paying, and the RateGenius' small fee would be built into my payments - if they couldn't find me a cheaper rate, they wouldn't charge me, so there was no risk.

According to RateGenius, the average savings per month is $76 per car - all I can say is that mine was higher than average! I was shocked that this wasn't common knowledge, that refinancing is that easy.

With RateGenius, I'd be seeing more money in my bank account every month while making zero lifestyle changes, at a time where nearly everything else in my life was in flux. Eleanor would stay mine, and I'd get to pay less for her every month while belting to the classic rock station at full volume.

RateGenius made it incredibly easy for me to refinance my auto loans - I had to become an expert on divorce law recently, but with RateGenius, all I had to do was enter my info, thankfully.

Update: Fill out the pre-qualification form within a minute with zero impact on your credit score to see if you qualify for lower rates!

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Over the past month, both Haiti and Afghanistan have been pummeled by tragic disasters that left devastation in their wake.

In Haiti, a 7.2 magnitude earthquake erupted, leading over to 2,189 deaths and counting. A few hours later, in Afghanistan, Kabul fell to the Taliban just after U.S. troops had pulled out after 20 years of war.

In many ways, these disasters are both chillingly connected to US interference. The United States invaded Haiti in 1915, ostensibly promising to restore order after a presidential assassination but really intending to preserve the route to the Panama Canal and to defend US creditors, among other reasons.

But the US forces soon realized that they were not able to control the country alone, and so formed an army of Haitian enlistees, powered by US air power and intended to quell Haitian insurrection against US controls. Then, in 1934, the US pulled out on its own, disappointed with how slow progress was going. Haiti's institutions were never really able to rebuild themselves, leaving them immensely vulnerable to natural disasters.

Something similar happened in Afghanistan, where the US sent troops and supported an insurgent Afghan army – only to pull out, abandoning the country they left in ruins, with many Afghans supporting the Taliban.

In both cases, defense contractors benefited by far the most from the conflict, making billions in profits while civilians faced fallout and devastation. While the conflicts and circumstances are extremely different and while the US is obviously not solely to blame for either crisis, it's hard not to see the US-based roots of these disasters.

Today, in Haiti and Afghanistan, civilians are facing unimaginable tragedy.

Here are charities offering support in Afghanistan:

1. The International Rescue Committee is looking to raise $10 million to deliver aid directly to Afghanistan

2. CARE is matching donations for an Afghanistan relief fund. They are providing food, shelter, and water to families in need; a donation of $89.50 covers 1 family's emergency needs for a month.

3. Women for Women International is matching donations up to 500,000 for Afghan women, who will be facing unimaginable horrors under Taliban control.


4. AfghanAid offers support for people living in remote regions of Afghanistan.

5. VitalVoices supports female leaders and changemakers and survivors of gender-based violence around the world.

Here are charities offering support in Haiti:

1. Partners in Health has been working with Haiti for a long time, and they work with the Department of Health rather than around them, which is extremely important in a charity.

2. Health Equity International helps run Saint Boniface Hospital, a hospital in Haiti close to the earthquake's epicenter.

3. SOIL is an organization based Haiti, "a local organization with a track record of supporting after natural disasters." They are distributing hygiene kits and provisions on the ground to hospitals and to victims of the earthquake.

4. Hope for Haiti has been working in emergency response in Haiti for three decades, and their team is comprised of people who live and work in Haiti. They focus on supporting children and people in need across Haiti.

via Tiffany & Co.

When the new Tiffany's campaign was unveiled, reactions were mixed.

Tiffany's, the iconic jewelry brand which does not (despite what some might be misled to believe) in fact serve breakfast, featured Jay Z, Beyoncé, and a rare Basquiat painting in their recent campaign.

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Road trips can be a lot of fun — but they can also drain your wallet quickly if you aren't careful.

From high gas costs and park admission fares to lodging and the price of eating out every night, the expenses can add up quickly. But at the same time, it's very possible to do road trips cheaply and efficiently. Without the headache of worrying about how much money you're leaking, you can enjoy the open road a whole lot more. Here's how to save money on a road trip.

1. Prepare Your Budget, Route, and Packing List in Advance

If you want to save money on a road trip, be sure you're ready to go. Try to count up all your expenses before you hit the road and create a budget. It's also a good idea to plan your route in advance so you don't end up taking unnecessary, gas-guzzling detours. And finally, be sure to pack in advance so you don't find yourself having to buy tons of things you forgot along the way.

2. Book Cheap Accommodations — Or Try Camping

All those motel rooms can add up surprisingly quick, but camping is often cheap or free, and it's a great way to get intimate with the place you're visiting. You can check the Bureau of Land Management's website for free campsites. Freecampsite.com also provides great information on If you don't have a tent or don't want to camp every night, try booking cheap Airbnbs or booking hotels in advance, making sure to compare prices.

Camping camping road tripConde Nast Traveler

If you're planning on sleeping in your car, a few tips: WalMart allows all-night parking, as do many 24-hour gyms. (Buying a membership to Planet Fitness or something like it also gives you a great place to stop, shower, and recharge while on the road).

3. Bring Food From Home

Don't go on a road trip expecting to subsist on fast food alone. You'll wind up feeling like shit, and it'll drain your pocketbook stunningly quickly. Instead, be sure to bring food from home. Consider buying a gas stove and a coffee pot for easy on-the-go meals, and make sure you bring substantial snacks to satiate midday or late night cravings so you can avoid getting those late night Mickey D's expeditions.

Try bringing your own cooler, filling it with easy stuff for breakfast and lunch — some bread and peanut butter and jelly will go a long way. Bring your own utensils, plates, and napkins, and avoid buying bottled water by packing some big water jugs and a reusable water bottle. Alternatively, try staying at hotels or Airbnbs with kitchens so you can cook there.

4. Avoid Tolls

Apps like Google Maps and Waze point out toll locations, so be sure to avoid those to save those pennies. (If it takes you too far off route, you might have to bite the bullet and drive across that expensive bridge).

You can also save on parking fees by using sites like Parkopedia.

Road Trip Road TripThe Orange Backpack


5. Save on Gas

Gas can get pricy incredibly fast, so be sure that you're stopping at cheap gas stations. Free apps like GasBuddy help you find the most affordable gas prices in the area. Also, try going the speed limit on the highways — anything faster will burn through your tank. Be sure that you don't wait till you arrive at touristy locations or big cities to fill up.

6. Get a National Park Pass

All those parks can get really expensive really fast. If you're planning on visiting three or more parks, it's a great idea to get an America the Beautiful National Parks Pass. For $80 you can get into every National Park for one year.