When you're only leaving your house for groceries and medicine because the coronavirus pandemic has locked down your city and your social life, you might question why you should leave at all. After all, many doctors are conducting live video appointments now, and you can subscribe to prescription delivery services for your medications. When it comes to food, why bother to leave your home?
Experts and doctors confirm that it is safe to order food and patron local restaurants that are still offering delivery, because "COVID-19 is not transmitted through food or ingredients. Even if surfaces or packaging have been contaminated, the virus will only survive on such surfaces for a short period, therefore there is no risk of contamination," the FDA said. So doctors warn to be sure to wash your hands after you remove the packaging, as the virus may live on the outside surface if touched by an infected individual.
Whether staying home inspires you to find your inner chef or the upside to your state's shelter-in-place order is that you have an excuse to order food delivery every day, some options are more economical than others.
For Fast Food
Seamless - If you have a discount code, then Seamless is a tried and true option for a hot meal delivered to your door. However, nothing beats the discount you receive as a first-time user, which earns you $7 off. The downside is: Really, nothing beats that discount ever again, even if you continue receiving discount codes from Seamless.
Uber Eats - Uber Eats also offers discounts, like free delivery in a given month. However, for smaller, locally-owned restaurants, Uber Eats charges a fee for their services that can eat into their profits. It's best to only order from large franchises like McDonalds through UberEats.
Grubhub - While Grubhub is the parent company of Seamless, the app is a slightly different experiences. Grubhub also offers exclusive deals with restaurants, and their selection and pricing is similar to Seamless, but their business model is questionably damaging to restaurants. For ethics, maybe look at the newer apps.
DoorDash - As a newer app, DoorDash runs many promotions, from free delivery to cash discounts as high as $100 (on large orders, of course). Also, you can track the status of your order and the location of your driver!
Delivery.com - Less well-known than Seamless, Delivery.com is somewhat of a hidden gem. The company often emails customers discount codes or runs promotions, ranging from 10% off to a whole $10 off an order. Additionally, you collect points for every dollar spent, and you can redeem them for cash credited to your account!
For Groceries / Liquor
Instacart - With a large selection of local retailers and very efficient delivery, Instacart offers discounts on certain items or on certain brands if you order a given number of products. However, the service fee is different for individual stores, and it can be pricey. In addition, some of the listed prices are higher than those in the store. The shoppers are very communicative, though; you can text them about changes to your order and change their tip after your delivery is complete.
Delivery.com - You can also order laundry service, groceries, and liquor through Delivery.com! Depending on your location, you can select beer, wine, and liquor and have it delivered to your door, where you'll be asked to show ID confirming that you're 21 or over.
Stay safe and stay inside–but that doesn't mean you have to give up the vice of ordering out. Patron local businesses, and remember to tip your efficient delivery people! They're making life easier for all of us during this difficult time.
- DoorDash - Food Delivery - Apps on Google Play ›
- Best Food Delivery Apps in 2020 | Android Central ›
- The 9 best food delivery apps of 2019 | Policygenius ›
- All of the Food Delivery Services in NYC, Ranked ›
- Best food delivery apps: Uber Eats vs Doordash vs Grubhub and ... ›
- Best food delivery apps: Uber Eats vs Doordash vs Grubhub and ... ›
- 10 Best Food Delivery Apps That You Must Try in 2020 ›
- The Best Food Delivery Apps for 2020 | Digital Trends ›
- Best food delivery service: DoorDash, Grubhub, Uber Eats and more ... ›
What is Robinhood?
The Robinhood app debuted in 2013 as a first-of-its-kind revolutionizing free investment platform. Much like the 700-year-old story of the hero to the people, Robin Hood, FinTech entrepreneurs Vladimir Tenev and Baiju Bhatt created the platform in order to make stock trading easily accessible to the general public and not just the wealthy.
The National Financial Educators Council (NFEC) surveyed young adults in 2017 and asked them what high school level course would benefit their lives the most.
The majority responded that money management was the course that would be most beneficial.
With personal debt is at its highest record and COVID-19 threatening to have the hardest economic effects on youth, understanding money and finances is an important life lesson that should be taught to children at a young age.
The following is a list of the best financial literacy lessons and tips to teach children throughout different life stages.
I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.
There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).
After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.
It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.
That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.
I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.
Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.
Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).
More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.
The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.
I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.