RELATED: IRS Free File Is Now Accepting Tax Returns—Do You Qualify?

1. You’re giving yourself more time to pay.

There are some cases in which people may have to wait a little longer for the information and forms they need to file their taxes. This typically includes people who are part of a partnership or have ownership interests in a business, with the necessary K-1 forms typically arriving by mid-March.

But if you’re working with 1099s and W-2s, getting on top of filing your taxes could save you from having to file for an extension, according to TurboTax.

The main reason this can be beneficial is when you may owe money back to the government. Since all bills are due on April 15th, having an early head start on saving and paying towards the amount owed can make it easier to get everything settled in time.

Otherwise, paying after the due date can result in fees, penalties, and interest that could end up costing you more than the balance due, per TurboTax.

2. You’re able to avoid costly mistakes.

Let’s face it: The busy nature of the beginning of the year can make it easy to procrastinate on filing your taxes. But experts warn that if you wind up rushing last-minute, you’re not just denying yourself an earlier return, but also potentially setting yourself up for costly errors and revisions down the line.

Taxpayers who file early have the significant benefit of knowing well in advance if they’ll have to file an amended return, which could be the result of an error or omission in their filing.

Unfortunately, those who wait until too close to the filing deadline could find themselves amending after everything is due. In some cases, this could wipe out much of your return, or even tack on expensive fees, penalties, and interest to your bill.

RELATED: 4 Social Security Changes That Are Already Affecting Retirees This Year.

3. You could make money off of your early refund.

Arguably, the best part about paying your taxes is getting access to any refund as early as possible. After all, who doesn’t love that extra infusion of cash to start the year? But if you’re hoping to really maximize the amount of cash you get back, pushing to file your taxes early could literally pay dividends.

“Once you’re relatively certain that you have all of your tax documents, file as soon as you can so that you can start investing your money,” Eric Bronnenkant, head of tax at online financial adviser Betterment, told Fox Business in an interview. “Because, in general, the IRS doesn’t pay you interest on your refunds. So getting that money in your hands sooner is better for sure.”

Still unsure of where to invest that money to earn on top of it? Even finding a high-yield savings account can help augment what’s come back to you.

4. You can use it to pay off other debt faster.

For many, getting that refund isn’t just a nice bonus: It’s an economic necessity. A new survey from TurboTax shows that 70 percent of Americans surveyed said they plan use their refund to cover basic living expenses, including paying rent and bills.

However, 21 percent of respondents also said they planned to use the money to help ease the burden of high-interest debt and other recurring payments.

“For millions of Americans, their tax refund is not only the largest check they get all year, but it’s also a financial lifeline,” says Lisa Greene-Lewis, a CPA with TurboTax. “Many taxpayers are looking for smarter ways to use that money, whether that’s building emergency savings, paying down debt, or navigating economic uncertainty. With filers expecting to see a $1,000 increase in refund this year, now is a good time to file your taxes if you haven’t yet.”

The post 4 Ways You Can Get More Money by Filing Your Taxes Early appeared first on Best Life.

RELATED: 3 IRS Changes That Could Affect Your Tax Refund This Year.

1. The cost-of-living adjustment was likely insufficient.

The Social Security Administration (SSA) regularly reassesses what it pays out to Social Security recipients each month. Typically, these changes reflect changes in the economy, taking into account things like inflation that might necessitate sending out more money. This year was no different, with the SSA announcing a 2.8 percent increase as part of its cost-of-living adjustment (COLA).

However, the change might fall short of what’s necessary to help those who rely on the program. Some retirees are reporting that the COLA adjustment falls short of the actual requirements in the face of skyrocketing expenses and persistent inflation, Finance Buzz reports.

2. Increases in Medicare costs wipe out COLA increases.

Part of those cost-of-living increases could be hitting seniors where it hurts them most: Their health. That’s because in 2026, Medicare Plan B premiums have jumped 11.6 percent from last year, leaping to $206.50 per month from $180, according to the U.S. Centers for Medicare & Medicaid Services (CMS).

This could also impact higher earners. Those enrollees could see their Income-Related Monthly Adjustment Amount (IRMAA) rise anywhere from $83 to $496 above the set rate, according to SRTT.org. Advocates argue that drastic increases in monthly essential payments essentially wipe out the SSA’s COLA adjustments for the year.

RELATED: IRS Free File Is Now Accepting Tax Returns—Do You Qualify?

3. There are higher limits for working enrollees.

Of course, not everyone who gets a Social Security check has fully left the workforce. Those who’ve “soft retired” and continue with a consulting job or part-time work often straddle the two groups while incorporating their payments as part of their income.

However, those with such an arrangement may want to take note. As of 2026, there has been an increase in the income threshold, with the SSA now witholding $1 of benefits for every $2 earned above $24,480, The Motley Fool reports. In 2025, the base limit was $23,400.

Things also change when someone hits full retirement age at 65 (unless you were born in 1960 or later, in which case it’s 67). If that year is 2026 for you, the threshold jumps $65,160, in which case the SSA will withhold $3 of benefits for every $1 over the limit. This also represents a change from last year, increasing from $62,160, according to The Motley Fool.

4. A higher payroll tax cap could affect future benefits.

There’s more change in store for enrollees who are still working. This year, the government has adjusted the wage cap for taxable earnings, which will increase from $176,100 in 2025 to $184,500, according to the SSA. This ultimately means that anyone who earns this higher amount will see an impact on their paychecks that they might not have anticipated.

The post 4 Social Security Changes That Are Already Affecting Retirees This Year appeared first on Best Life.

RELATED: 3 IRS Filing Updates That Could Help You Get Your Tax Refund Faster in 2026.

What is IRS Free File?

Even if you’re not paying an accountant to file your taxes, you’ve likely used a preparation software that helps ensure you have everything together and filled out appropriately. Unfortunately, when it comes time to pay up, you also need to tack on the fees that come with using even the most basic program.

And it’s typically not insignificant: Americans spend $290 on average each year filing their Form 1040 with the IRS, according to the National Taxpayers Union Foundation (NTUF).

However, you may not need to shell out any extra. On Jan. 9, the IRS announced it had begun accepting tax returns through its IRS Free File program, which is a partnership between the agency and independent companies.

The new system provides specific taxpayers with preparation software that costs nothing to use, including the ability to claim important tax credits such as the Earned Income Tax Credit and the Child Tax Credit when eligible.

Do I qualify for IRS Free File?

While the idea of not having to pay to file sounds like a major game-changer, it’s important to remember that IRS Free File isn’t open to everyone. The service is open only to those reporting an adjusted gross income of $89,000 or less for the 2025 tax year, per the IRS.

Things then get a little more complicated: Each of the eight different partner services also has its own set of criteria for who can use them to file.

Fortunately, you can figure out which one is right for you by visiting the IRS website and browsing the available options. The agency can also help you find the right choice by answering a few quick questions, which can also quickly tell you if you qualify for the service overall or not.

RELATED: 10 Warnings About Using TurboTax.

How can I use IRS Free File?

Ready to get started? If you choose to browse the available participants, you’ll see these eight options:

1. 1040Now
2. Drake (1040.com)
3. ezTaxReturn.com
4. FileYourTaxes.com
5. On-Line Taxes
6. TaxAct
7. TaxHawk (a.k.a. FreeTaxUSA)
8. TaxSlayer

Once you’ve made your choice, you will then proceed to the partner’s website to fill out your information. However, even if you qualify for any of them, some professionals warn that IRS Free File might not be the best option if you want to avoid some potential grief.

“For more complex returns—such as when there’s the sale of investments, the sale of a house, job changes, or ownership of a small business involved—using the IRS’ free online program is not intuitive and can miss some vital information relating to the calculation of tax liabilities,” Moira Corcoran, a certified public accountant and tax expert at JustAnswer, previously told Best Life. This could lead to misreporting and other issues down the line.

And while you might feel confident about filling out your information, things can get pretty frustrating if you get stuck.

“There’s no additional assistance if you run into trouble or have tax questions,” Corcoran said. “And it does not offer in-person help or have brick-and-mortar stores for additional assistance, either,” adding that this can be problematic because “some of the user interfaces are clunky or confusing.”

The post IRS Free File Is Now Accepting Tax Returns—Do You Qualify? appeared first on Best Life.

RELATED: 7 Best Free Deals for Seniors in 2026.

In addition to stacking all of those coupons and Kohl’s Cash offers, those 60 and older can take advantage of this department store’s senior discount, which is a 15-percent-off promotion every Wednesday. However, do note that the discount applies to in-store purchases only. There are a few other stipulations, too:

• Limit one per customer
• Dollar-off coupons, including Kohl’s Cash, will be applied before the age-specific coupon
• Cannot be used in conjunction with other percent-off coupons

Lean into your creative side with Michaels’ senior discount, which is in effect every single day! After enrolling online, those 55+ can take advantage of 10 percent off their entire purchase (including sale items) both in-store and online.

For myWalgreens members 55 and older, the pharmacy chain offers a 20-percent-off promotion on regular-price items once a month. For example, this month, Senior Day took place online from January 4 to 10 and in stores on January 6. Once you sign up and download the Walgreens app, you’ll be able to find out the upcoming dates.

Ross Dress for Less already has discounted prices, but every Tuesday, customers 55 years of age or older can save an additional 10 percent on their purchases with the 55+ Tuesday Discount program.

RELATED: 4 Social Security Changes Going Into Effect in January.

“We celebrate seniors every Wednesday by offering shoppers 60 years or older 10% off their total purchase,” explains Goodwill. The promotion is not valid on mattresses or “new” purchases.

With locations in Washington, Oregon, Idaho, and Alaska, the supermarket chain Fred Meyer offers a 10 percent senior discount on the first Tuesday of every month. Once enrolled, those who are 55 or older can apply this discount to in-store or online orders on that day. The promotion applies to the following categories:

• Private brand groceries and nutrition, including Fred Meyer, Kroger, and Simple Truth
• Apparel, shoes, and accessories
• All home items, including toys, sporting goods, auto, and garden
• Most electronics

Spanning the East Coast from Florida to Delaware, Harris Teeter grocery stores have Club 60, a senior discount that offers those 60 and older a five percent discount every Thursday. Simply show your loyalty card to receive the discount. However, do note that it’s not applicable for fuel, pharmacy, tickets, or gift cards.

Midwest grocery chain Hy-Vee hosts its Senior Citizen Discount Day every Thursday. On this day, those 55 and older receive a five percent discount on most items, excluding pharmacy, lottery, postal services/supplies, gift cards, and wine and spirit items.

The post 8 Popular Stores Offering Senior Discounts Right Now appeared first on Best Life.

RELATED: 3 IRS Changes That Could Affect Your Tax Refund This Year.

1. New credits could delay your refund.

Depending on income level, those filing for specific credits or deductions might see a holdup of at least a few weeks.

According to the IRS, anyone who claims the Additional Child Tax Credit (ACTC) or the Earned Income Tax Credit (EITC) will be required to wait until at least mid-February for their refunds. And with changes brought forth by last year’s One Big Beautiful Bill Act (OBBBA), there’s a chance you might be flagged to take advantage.

The agency clarifies that this will apply to the entire refund, and not just the specific credits involved. This means that taxpayers likely won’t see their refunds hitting their bank accounts until about March 3, 2026, Forbes reports.

If you’re concerned about expediting the process, be sure to speak to your accountant or tax preparation professional to help ensure all required information gets submitted as quickly as possible to avoid any further delays.

RELATED: 3 IRA and 401(k) Rules Quietly Changing in January.

2. Direct deposit will speed things up.

For decades, waiting for your tax refund meant pouncing on your mailbox every day to see if that IRS envelope had finally arrived. But as technology has shifted, so has the way the government pays out its refunds.

As part of an executive order signed in March 2025, the IRS has officially begun phasing out the use of paper checks to pay out refunds. Instead, the agency is now relying on direct deposits to safely and securely pay out the funds owed. According to the IRS, this means that most payments will be issued in less than 21 days, as opposed to the six weeks or longer it can take for paper checks issued by mail.

If you haven’t already used direct deposit when filing in the past, be sure to have it set up for this year when submitting your documents. Be sure to include the correct routing and account numbers and double-check the details if this is your first year doing so.

RELATED: 4 Social Security Changes Going Into Effect in January.

3. Filing online can also get your refund faster.

Similar to sunsetting paper checks, the IRS is now strongly urging everyone to start embracing the future by filing electronically.

The IRS suggests that anyone who hasn’t done so already should sign up for an individual online account. Not only does this help streamline the filing process, but it can also save you time throughout the year with access to your tax records, checking your balance due, and accessing any payments made or scheduled.

Besides granting you access to information that can help you avoid delays, opting to file electronically can help significantly cut down the amount of time it takes to manually enter your hard copy data when you file by mail, per the IRS. This will typically help ensure a much faster turnaround on issuing a refund.

The post 3 IRS Filing Updates That Could Help You Get Your Tax Refund Faster in 2026 appeared first on Best Life.

RELATED: 4 Simple Hacks to Lower Your Electric Bill This Month.

Thanks to the way we now watch our favorite movies, communicate, and shop, the internet has become an essential utility. Fortunately, experts say there’s a way to stay connected without having to open your wallet.

“Juno and NetZero both offer up to 10 hours of free dial-up internet service per month,” says Julie Ramhold, consumer analyst at DealNews.com.

She explains that the offering is ideal for seniors, because while the throwback slower speeds might not be great for streaming or downloading, it’s still a solid connection that’s useful for completing basic internet tasks.

“However, if the idea sounds terrible, you may be able to take advantage of senior discounts on internet services, depending on your local carrier and the plans available,” she adds.

Studies have shown that staying physically active becomes even more important as we age. But if shelling out for a pricey gym membership is beyond your budget, there’s a chance you can still get in your workouts without dropping a dime.

That’s because people who are enrolled in Medicaid Advantage plans have access to the SilverSneakers program. This gives anyone who signs up access to thousands of gyms across the U.S., including Planet Fitness, LA Fitness, independent gyms, community gyms (including some YMCA locations), and more.

Need some group motivation? Not only does enrollment open up access to on-site classes and workshops, but it also provides live online and on-demand classes for working out wherever you are. Everything is also coordinated through one central app, making booking and planning a total breeze.

RELATED: 7 Frugal Habits You Need After 65, Finance Experts Say.

Besides the internet, there are cell phone plans that help seniors keep their costs down without dropping their calls.

“Mint 55+ is a new mobile plan that costs $15 per month for unlimited talk and text,” said Trae Bodge, a smart shopping expert at TrueTrae.com. “What’s notable about this plan—and the free part—is that customers have access to a free ‘Mintech’ advisor’s service.”

She explains that these experts can help with technical questions like activation support. They’ll even hop on a call with your current provider to help you switch over your existing number.

“This is important because switching services can be intimidating—especially if you’re afraid of overpaying,” she adds.

By the time you reach 60, chances are you’ve done your taxes plenty of times—or at least enough to know how complicated they can be. But with income changes also come some significant differences in how you file. And if you’re hoping to avoid spending savings on an accountant, you can check out an option known as the Tax Counseling for the Elderly (TCE) program.

“The IRS offers this free basic tax return prep for those who qualify,” says Ramhold. “But if you want to take on the task yourself, there are sites that allow you to do so with a special volunteer to help walk you through the process. Look for tax sites that offer ‘self-prep’ for this service.”

RELATED: 10 Things You Should Stop Buying When You Retire, Finance Experts Say.

Prescription medicines can be a daunting expense at any age, but they can become even more burdensome as we age and potentially rely on more of them. Fortunately, there are free subscriptions for people over 60 that can help reduce these costs.

“Get a RxFreeCard, which qualifies you for discounts on prescriptions at thousands of locations,” says Bodge. “There’s also the free OptumRX card, which is available to AARP members.”

Getting yourself where you need to go safely can sneakily become one of the greater challenges of aging. But thanks to specific programs, you might be able to get out and about without having to pay anything at all.

Depending on where you live, free and low-cost transportation is offered to seniors, according to AARP. This includes places like Cutler Bay, Florida, where a free bus is available to Social Security beneficiaries via an app, as well as an on-demand pick-up transportation service.

And in Montgomery County and Prince George’s County, Maryland, the VillageRides program provides rides to seniors (and disabled persons) to important medical appointments, the grocery store, and other places.

You might also have access to a para-transit service in your area, which will often provide rides between your home and public transportation stations in your area, according to Senior Services of America. It can help to reach out to the senior citizens’ services office in your area to see exactly what’s available.

Lifelong students appreciate the free time to do more learning that seniorhood provides. Fortunately, according to Ramhold, people over a certain age may be able to take advantage of free tuition for college classes in some places.

“There are some caveats depending on the state and the school, such as certain classes only being available if there are free seats—which one might not know about until the first day of class,” explains Ramhold. “It may also vary on whether you can receive credit for courses or only be able to audit them, depending on the school as well as the state.”

She adds that the AARP website can be a helpful starting point for finding out what kinds of classes might be available and where, if you’re interested in furthering your education.

The post 7 Best Free Deals for Seniors in 2026 appeared first on Best Life.

RELATED: 4 Social Security Changes Going Into Effect in January.

Most people strive to put away as much as possible in their 401(k) and IRA to prepare for their life after leaving the workforce. But if you’ve been maxing out your contributions, you’ll now be able to start tucking away a little bit more.

In an announcement on Nov. 13, 2025,  the IRS raised the annual limit for 401(k) contributions by $1,000, going up from $23,500 in 2025 to $24,500 for 2026.

There’s also been a slight increase in the amount that you can put into your Roth IRA account each year: As of 2026, the limit has been raised from $7,000 to $7,500. This amount is even higher for older individuals under the catch-up rule, which allows individuals 50 and older to contribute up to $8,000 annually to their Roth IRA, up from $7,500 in 2025.

The agency also changed the levels at which these contribution deductions are phased out. This year, the range for single taxpayers with a workplace retirement plan has gone up to between $81,000 and $91,000, which is an increase from between $79,000 and $89,000 in 2025.

For married couples (if the spouse is covered by a retirement plan provided by their employer), this range is now $129,000 to $149,000, up from $126,000 to $146,000 in 2025.

RELATED: 3 IRS Changes That Could Affect Your Tax Refund This Year.

The SECURE 2.0 Act, which was passed into law at the end of 2022, set a series of changes in motion that are now coming into effect. This year, it includes slight changes to Roth IRA catch-up contributions (some of which were previously mentioned). But besides new amounts, this year also changes how you stash your funds.

Beginning now, anyone 50 or older who earns more than $150,000 the previous year will need to place all catch-up funds into a Roth IRA fund in after-tax dollars, according to Fidelity. This means that anyone above that threshold who was previously using a pre-tax plan will need to change their accounts. Of course, the new rule does not apply to anyone who earns less than that limit.

RELATED: 10 Secrets That Can Help You Retire Early, According to Experts.

Retirees with an IRA, 401(k), or other type of account likely know that the IRS has had a Required Minimum Distribution (RMD) rule in place that requires people to take withdrawals starting at age 73. This is in place so that the agency will be able to collect revenue on the saved money at some point, according to The Motley Fool.

But depending on what type of account you use, you might not need to worry about this detail going forward. As of 2026, anyone with a 401(k) plan or Roth 403(b) plan no longer has to take an RMD each year.

However, they specify that while RMD rules do not apply to living Roth IRA and 401(k) holders, they do come back into play once the holder passes away and the account is inherited.

The post 3 IRA and 401(k) Rules Quietly Changing in January appeared first on Best Life.

That’s why, before you get ready to send off everything to the Internal Revenue Service (IRS), you might want to brush up on the updated rules, regulations, and amounts. Read on for the IRS changes that could affect your 2025 tax year refund.

RELATED: 4 Social Security Changes Going Into Effect in January.

1. There are three new rules about deductions.

As part of the One, Big, Beautiful Bill Act (OBBBA) that was passed in July, three new rules on deductions are in play for 2026.

Seniors

One major difference is a deduction for seniors, which will be in effect for this tax season, covering 2025. From now through 2028, people who are 65 and older can claim an extra $6,000 (or $12,000 for married couples filing jointly), per the IRS. However, this benefit phases out for anyone who earns an adjusted gross income over $75,000, or $150,000 for couples filing.

Workers who earn tips

Some others pertain to those in the workforce, including a change that removes taxes on tips for employees. Beginning with tax season 2025, workers can deduct a maximum of $25,000 per year on “qualified tips,” which includes both cash and charged gratuities as well as shared or pooled tips. This option phases out for anyone who takes in an adjusted gross income of more than $150,000 (or $300,000 for joint filings).

Workers who earn overtime

There’s also a change when it comes to taxes on overtime pay. As of the 2025 tax year, workers can write off up to $12,500 per year (or $25,000 for joint filers). However, just like tips, this option also phases out for anyone making an adjusted gross income of more than $150,000 (or $300,000 for filing couples).

RELATED: 10 Warnings About Using TurboTax, According to Experts.

2. Your refund might be bigger this year overall.

Arguably, the only good surprise when it comes to taxes is finding out that you’re getting more back than originally expected. This year, that may be the case for many individuals because when the OBBBA was signed in July with some significant tax cuts, many companies didn’t readjust withholdings on paychecks to reflect the difference, according to the Tax Foundation.

This will create a one-time windfall for many taxpayers with the next refund as the IRS compensates for the extra money withheld for the second half of 2025. But just how much can you expect? According to calculations from the Tax Foundation, the average refund could go up from $3,052 in tax year 2024 to $3,800 for tax year 2025.

3. The way you file your taxes could be different.

Over the past few years, there has been plenty of excitement surrounding the launch of the IRS Direct File program. As the name suggests, the service allowed taxpayers in 25 states to directly file with the tax agency instead of through intermediaries and provided a way to file for free.

However, the fledgling program has already been benched. The OBBBA officially suspended IRS Direct File, with Republican officials previously calling it “wasteful,” per Investopedia. This means that anyone who previously used the program might see a delay in receiving their refund as they search for new filing options and restart the process.

The change comes despite overwhelming public support for the program, with roughly 75 percent of taxpayers saying they were interested in using it and an overwhelmingly positive experience reported by those who used it during the 2025 tax filing season, according to a survey conducted by the Urban Institute.

The post 3 IRS Changes That Could Affect Your Tax Refund This Year appeared first on Best Life.

Even as inflation cools, some grocery items are expected to see sharper increases than shoppers are used to, while others could stabilize or fluctuate week to week. Here’s what experts are watching closely—and why your weekly grocery total may have you rethinking your shopping list.

RELATED: 10 Best Grocery Stores in America, According to Shoppers.

Thanks to persistent droughts and shrinking herd sizes, beef and other red meat prices are on the rise. Additionally, high input costs and changes in trade and production conditions are pushing meat prices upward—tightening supplies as consumer demand remains strong.

The Economic Research Service (ERS), a branch of the USDA, forecasts that moving forward, beef and veal prices will grow faster than their historical average, contributing to higher overall red meat costs.

Egg and poultry prices have also taken a volatile trajectory over the past year and will likely continue to rise, the ERS notes.

Those experts attribute the change to a recent outbreak of avian flu, which spread throughout the U.S. in 2024 and 2025. As farmers cull affected flocks, supplies have diminished while demand remains high, ultimately affecting grocery store prices.

Other dairy products, such as milk and cheese, have also seen recent price increases since bird flu has affected not only chicken flocks, but also herds of dairy cattle. In fact, in August 2025, Forbes reported the butter price index at an all-time high, naming “tighter global milk supplies and rising input costs, including labor and packaging” as “key drivers of the surge.”

However, according to True Grade Foods, things may improve soon—especially for select dairy products, such as cheese: “Animal products may stabilize if livestock cycles improve and disease pressures ease,” they write.

According to an analysis by True Grade Foods, the prices for nonalcoholic beverages have recently risen faster than most other grocery categories—and climate change could be to blame.

“Coffee and sugar markets felt the effects of weather disruptions in major producing countries, which led to higher import and processing costs,” they explain. “Alcoholic beverages followed a different path, moving at a slower and more stable rate.”

RELATED: 5 Self-Checkout Mistakes That Are Costing You Big.

Thanks also to the rise in sugar costs, you can expect your snacks and sweets to cost more year-over-year. The ERS notes that this category is one of four “predicted to grow faster than their 20-year historical average rate of growth,” along with eggs, red meat, and non-alcoholic beverages.

Sometimes grocery prices rise not because of the foods themselves, but because of the costs associated with their packaging. Experts are anticipating a price spike in canned and pre-packaged goods, thanks to inflation driving up the cost of metal and shipping costs.

This means you can expect common pantry staples—think soup, tuna, and beans—to drive up your total at the register. Americans are likely to feel the increase, given that stocking up on these basics is usually a way to keep grocery spending down.

If you’ve noticed major price fluctuations in the fruit and veggie aisle, you haven’t gone bananas: Changes in weather patterns are affecting not only the supply chain, but subsequently, cost.

In fact, according to Food & Wine, produce was responsible for the “most significant restaurant cost swings in 2025, with items like cauliflower and lettuce experiencing extreme volatility.” They explain that “weather disruptions, concentrated growing regions, and import dependence created major supply constraints for vegetables and fruits, pushing prices up for months at a time.”

Even the prices of basics like bread and cereal grains have become unpredictable in recent years, thanks to volatile input costs such as fuel and fertilizer. Climate change—also a result of fossil fuels—is further disrupting the supply chain and edging costs ever higher, according to the Center for American Progress.

The post 8 Groceries Getting More Expensive in 2026, According to Analysts appeared first on Best Life.

RELATED: 10 Essential Questions to Ask Your Financial Planner.

1. Your payments should increase.

Over the years, you may have noticed slight changes to the amount on your Social Security checks each month. And this month, you might notice the sum you receive will be slightly higher than in December.

This year, the Social Security Administration (SSA) is implementing a 2.8 percent cost-of-living adjustment to payments, according to MarketWatch. This should roughly factor out to an extra $56 per month.

While that little extra bump might seem like a nice addition, there is a bit of a downside to it. Officials in the Trump administration calculated that the actual cost-of-living increases last year were 3 percent, making the additional pay slightly short, MarketWatch reports.

2. Earnings-test limits are also going up.

It’s not just retirees who collect Social Security. But if you’re one of the many who still work while receiving benefits, you might want to take note, as your allowed income is getting a bump as well.

Starting this month, earnings-test limits are increasing from last year, from $23,400 to $24,480, according to the Motley Fool. Anyone who surpasses that amount will have $1 withheld for every $2 over the threshold.

Those who reached the full retirement age of 65 last year will also see a considerable earnings-test limit increase, rising from $62,160 last year to $65,160 this year. The withholding rate for this group is $3 for every $1 over the threshold.

RELATED: How to Build an Emergency Fund: 9 Tips From Financial Experts.

3. Monthly maximums are increasing.

If you’re someone who takes in the full amount provided by Social Security, things may change for you this year. That’s because the maximum monthly benefit is also going up for those of full retirement age from $4,018 to $4,152, according to the Motley Fool.

4. The wage cap is going up.

One major change that could affect more than people who are just collecting is this year’s increase in the Social Security wage cap, which is a set amount that limits how much you pay into Social Security.

As of last year, the threshold was set at any income above $176,100—but in 2026, that will go up to $184,500 to account for inflation, per the Motley Fool. That means anyone who is in a higher income bracket could see a change on their pay stubs.

The post 4 Social Security Changes Going Into Effect in January appeared first on Best Life.

American consumers are so taken with buy now, pay later plans that they are surging this holiday shopping season, The Washington Post reports. “The services have driven $10.1 billion in spending, a 9 percent jump from last year, according to Adobe Analytics,” they wrote.

“Cyber Monday was the single largest day for BNPL, accounting for a record $1.03 billion, a more than 4 percent increase over last year. That is about 7 percent of what Americans spent online that day,” they continued.

However, BNPL can be a slippery slope, financial experts warn, putting you into a cycle of debt and at risk of potential penalties or interest fees. With that in mind, here are six times you should never use buy now, pay later.

RELATED: 10 Times to Never Use Your Debit Card, Financial Experts Say.

When people get used to services like Afterpay, Affirm, and Klarna for bigger purchases, they might start relying on them to buy everyday essentials as well. But this could become a bad habit that’s hard to break, according to Austin Hair, financial expert and real estate investor.

“Purchasing everyday items like groceries or gas on installment can create a cycle of dependency on credit for basic needs,” he shares. “It’s crucial to budget and pay for these items outright to avoid a situation where you’re continuously paying for past expenses.”

You should be careful when it comes to relying on installment payments for depreciating assets such as cars, Sherman Standberry, certified public accountant and managing partner at the tax firm My CPA Coach, tells Best Life.

“Anything that loses value over time should ideally not be purchased with BNPL tools,” he advises. “The item could depreciate faster than you’re able to pay it off.”

Hair agrees and adds that designer clothes, accessories, or jewelry also fall into this category.

“This can lead to unnecessary debt for items that don’t offer long-term value or return on investment,” he cautions. “It’s better to save and pay in full to avoid the added stress of installments on non-essential items.”

RELATED: Never Use Your Credit Card for These 6 Purchases, Financial Experts Say.

Many people are considering purchasing fitness equipment in the new year to help with their fitness resolutions. But Robert Farrington, money expert and founder of The College Investor, warns against using BNPL plans to do so.

“Think about the necessity of the purchase and how often you’ll use the workout equipment,” he says, adding that it’s often wiser to buy second-hand options instead of financing expensive machines.

“Come February or March, you’ll likely see a lot of folks selling unwanted workout equipment on online marketplaces as they invested in their fitness for the new year, but realized they set unrealistic expectations,” he notes.

For example, Peloton has an entire resale site where users can sell and buy used bikes and treadmills.

When the newest iPhone comes out, you might want to get the latest model at all costs. But if you have to pay for it in installments, it’s better to wait, according to Melanie Musson, a finance expert working with Clearsurance.com.

“If your phone is functional, you can keep using it,” she points out. “And when you do decide to upgrade, chances are you can do it with your phone company with 0 percent interest for a longer period of time than you can with BNPL tools.”

RELATED: 10 Best Ways to Increase Your Credit Score.

Buy now, pay later plans can seem too good to be true. After all, it’s like a credit card without the interest, right? Not always.

Certain BNPL offers come with deferred interest, meaning the contract is only interest-free for the introductory period. “But if there’s any balance left over, even $1, you can be charged interest on the original amount of the purchase,” cautions Nasdaq.

To avoid this, read the terms and conditions carefully, looking for phrasing like “no interest if paid in full within six months,” advises Nasdaq.

Buy now, pay later plans are in a kind of gray area when it comes to your credit score.

“BNPL companies don’t report to credit bureaus, so when people go to apply for traditional loans or new credit cards, their full debt isn’t being taken into consideration, which can lead to an overextended line of credit,” Best Life previously explained.

The other thing to be aware of is that on-time BNPL payments don’t positively affect your credit score like credit card payments do. However, late or partial BNPL payments can negatively affect your credit score.

The post 6 Times You Should Never Use Buy Now, Pay Later, Experts Warn appeared first on Best Life.

Instead of watching your money vanish into the utility void, you can put that extra cash toward debts, everyday expenses, or even something you enjoy. But the perks go beyond extra breathing room in your budget: A home that wastes less energy runs smoother, feels more comfortable, and shields you from those jaw-dropping bill spikes when rates fluctuate.

How, exactly, can you lower your bill and make your home more efficient? There are four simple ways to start saving this month—before your next statement arrives. Read on to learn the easy energy hacks the U.S. Department of Energy recommends, plus one must-have energy-saving product people can’t stop raving about from Home Depot.

RELATED: 4 Regions Where Heating Bills Will Rise the Most This Winter.

1. Be aware of peak pricing hours.

When it comes to saving big on your energy bills, timing is key: Many utilities now offer programs that reward customers for shifting electricity use to off-peak hours through rebates or lower rates, according to the U.S. Department of Energy.

One TikTok user recently shared how she cut her bill by $230 simply by avoiding energy use during peak times. “Check your bill for peak pricing hours,” she advises. “During those hours, unplug what you can. Don’t run the dishwasher or do laundry—during peak time, we only cooked dinner and watched TV.”

She keeps essentials like the fridge and freezer plugged in, but pauses everything else, even phone charging.

Con Edison offers similar guidance: Under its residential time-of-use rate, electricity costs less at all hours from October to May. From June through September, customers can save by shifting usage to off-peak hours (midnight to 8 a.m.) and avoiding large appliances during peak and super-peak periods (weekdays from 2 to 6 p.m.).

2. Turn off energy vampires.

Some appliances continue to drain energy—and your wallet—even when they’re turned off. These appliances are known as “energy vampires,” and the Department of Energy says they cost the average U.S. household upwards of $100 per year. The good news? The agency says there are three simple ways to curb your costs and consumption.

First, be sure to add power strips with on/off switches so that you can easily ensure that your appliances are not in standby mode. Next, unplug any appliances that aren’t plugged into power strips anytime they’re not in use. Finally, consider switching to Energy Star products, the agency advises.

“Many Energy Star products are energy efficient and have lower standby power than comparable non-Energy Star products,” they write.

RELATED: 9 Mistakes You’re Making That Are Increasing Your Heating Bill.

3. Consider wall-outlet heaters.

Home-heating costs are expected to jump 7.6 percent this year, with the average American paying about $976 this winter, according to a new study from the National Energy Assistance Directors Association (NEADA) via CBS News. Bills for natural-gas users could rise 8.4 percent, while electric-heat users may see a 10.2 percent increase, those researchers determined.

For under $30, Home Depot has a viable solution: Supplementing your heat with the Handy Heater Turbo 800—a compact, cord-free unit that plugs directly into a wall outlet to save both space and cash.

“The compact, yet powerful ceramic heating element provides incredible warmth, transforming any cold and chilly space into a warm and cozy space,” the retailer states. “The powerful 800-watt unit is energy efficient and can help you save money.”

Reviewers of the product sing its praises, giving the inconspicuous wall unit 4.7 stars out of 5: This heater works extremely well,” one person stated in their review. “It kept my apartment warm and cozy as well as one of the big bulky heaters and it takes up absolutely no space whatsoever. I highly recommend this for anyone who has limited space.”

4. Switch to LED bulbs.

Since lighting makes up about 15 percent of a home’s electricity use, switching to energy-efficient lighting is another quick way to cut your energy bills. Adding timers, dimmers, and motion sensors can stretch those savings further by ensuring lights aren’t wasting power when no one needs them, indoors or out.

LEDs are today’s most efficient, longest-lasting lighting option, using up to 90 percent less energy and lasting up to 25 times longer than incandescent bulbs. They’re available in a wide range of styles—from standard bulb replacements to outdoor floodlights.

Although LEDs cost more upfront, their durability and low energy use make them far cheaper over time, with prices continuing to fall as the technology advances. Households can save around $225 a year by choosing LEDs—plus even more by using ENERGY STAR–rated products, the Department of Energy says.

The post 4 Simple Hacks to Lower Your Electric Bill This Month appeared first on Best Life.

RELATED: Walmart Employees Issue Warning to Shoppers About Self-Checkout.

1. You’re not checking for skimmers before you pay.

Criminals will do whatever they can to get access to your financial accounts, including putting skimmers on card machines at major retailers.

But while cashiers can inspect their own readers, Michael Podolsky, CEO and co-founder of the consumer advocacy platform PissedConsumer.com, tells Best Life that shoppers forget to think about skimmers that could be attached to self-checkout machines.

“To safeguard one’s financial data, a consumer should take a brief moment to examine the machine for any unfamiliar attachments before payment,” Podolsky cautions.

Criminals have the most opportunity to install skimmers at self-checkouts because of the lack of workers, according to Marie Clark, a retail expert and editor of the shopping site CostContessa.

“Card scanners can happen at any store—even large and reputable stores like Costco or Target,” she says. In fact, it’s happened many times at Walmart stores.

“If you can’t use a digital payment, use a credit card over a [debit card] if possible, and check the card reader carefully,” Clark advises. “The plastic should be all one piece, and generally the card readers on all the self-checkout registers will look the same—so if yours looks different, that’s another red flag.”

2. You’re forgetting to double-check for price discrepancies.

Several major retailers have made headlines recently for overcharging issues, as customers have spotted price discrepancies or additional charges when using self-checkout machines. With that in mind, it’s good to be extra careful.

“Sometimes, the price on the shelf differs from the price at checkout,” Michael Wilson, a technology expert and the chief technology officer at EcoMotionCentral, says. “Always pay attention to the screen to ensure you’re charged correctly.”

RELATED: How Self-Checkout Is Making You Spend More, New Study Reveals.

3. You’re not watching every item get scanned.

Price-scanning errors are not the only reason you might end up being overcharged. As Clark explains, children often love scanning items themselves at the self-checkout. But if you’re letting them help out, you need to be supervising them through the entire process.

“Sometimes an item scan is delayed a second or two, and children can rescan it thinking it didn’t work and accidentally scan items twice,” Clark warns. “To ensure you don’t over- or underpay, watch kids and the items as they are added to ensure it’s been done accurately.”

Also, double-check your receipt to make sure you didn’t inadvertently scan something twice. In the past, Walmart shoppers have complained about self-checkout machines double-or triple-charging them for an item they only scanned once.

4. You’re not using your store card.

When you’re doing everything yourself, you don’t have someone there reminding you of the things you might forget—like using your rewards or points cards, Alex Veytsman, a wealth management expert and founder of The Offer Sheet, explains.

“Many grocery stores have cards that allow you to collect different rewards. At a regular checkout, the cashier will normally ask you for it, which means you don’t have to remember to have it ready all the time,” Veytsman notes. “At a self-checkout, it’s possible it might not ask you, so always remember to try and have it ready to scan. This way, you aren’t missing out on extra points, which can save you money on whatever rewards system they have.”

RELATED: 4 New Target Shopping Changes Coming to Stores This Month.

5. You’re blocking the camera’s view.

Most self-checkout machines have cameras that monitor shoppers through the entire process. They usually record what you’re scanning as well, according to Clay Cary, a consumer trends analyst and the lead analyst at CouponFollow.

But problems can arise when people accidentally block the camera’s view with their bags or bulky items—which happens more often than you might think.

“This can lead to disputes over purchases and create headaches for consumers and retailers alike,” Cary says. “So always ensure the camera has an unblocked view of the transaction, as clear video evidence can help resolve potential conflicts.”

The post 5 Self-Checkout Mistakes That Are Costing You Big, Experts Warn appeared first on Best Life.

RELATED: 4 Regions Most Likely to See Their First Snowfall in November.

1. The Northeast

States in the higher latitudes are no strangers to cold winters, but this year could add insult to injury when it comes to expenses. With La Niña conditions currently forming in the Pacific, it’s expected that the colder, wetter winter weather it typically brings to the Northeast will follow, according to the National Weather Service (NWS).

But while the mercury might be dropping, the cost of heating your home could also be going up. According to the U.S. Energy Information Administration (EIA), prices for certain fuels and energy sources are expected to rise, with some areas at risk of paying significantly more. The worst hit will be homes heated with electricity, while those with natural gas might see a little respite depending on how chilly the weather gets.

The EIA estimates that homes that rely on electricity for heat could see a 3 percent increase if temperatures were in the average range. But they could spike as much as 8 percent if it’s just 10 percent colder this winter, and customers will only pay the same if it’s about 10 percent warmer than the average. In the event of an atypically colder winter, even homes in the region fueled by natural gas could see a 6 percent increase in their bills.

Some companies are already warning in advance. Last month, National Grid warned homeowners in upstate New York that their bills could jump 10 percent this winter due to supply shortages, with an average rise of $66 between November and March, Spectrum News reports.

2. The Midwest

While typically prepared for any kind of harsh winter, the central northern states might still be shocked by the increase in their utility expenses in the coming months. In a recent analysis, the National Energy Assistance Directors Association (NEADA) estimated that the region would see average costs rise 14.4 percent from $820 to $938, the Dayton Daily News reports. Those burning natural gas in the region would see an even steeper increase, jumping 16.4 percent from an average of $600 to $698—especially as experts warn colder weather is on the horizon.

“We use NOAA (National Oceanic and Atmospheric Administration) estimates for temperature projections,” Mark Wolfe, executive director of the NEADA, told the Dayton Daily News. “We’re expecting it to be colder [in] the Midwest, so it’s not just that the cost of natural gas has gone up [and] the cost of electricity is going up, it’s also you’re going to be using more of it.”

Other forms of heating could get particularly pricey, too. According to the EIA projection, homes using electrical heating in the Midwest could see a 4 percent increase, while a colder winter could see costs spike 9 percent. And in the event of a chillier-than-average winter, propane-heated homes would pay 6 percent more.

RELATED: 9 Mistakes You’re Making That Are Increasing Your Heating Bill.

3. The West

Those who live in the Rockies on towards the Pacific might want to prepare to pay more for heating this winter, too. The EIA estimates that while there likely will only be decreases for homes using natural gas or propane, homes in the West using electricity would see a spike of 3 percent for an average winter and a jump of 7 percent for a colder season. This could be particularly painful in states like Washington and Oregon, where data shows more than 50 percent of homes are heated using electrical power.

4. The South

The southern states may not have consistently frigid winters like their northern counterparts, but home heating is still something that plays an important part during the colder months. While natural gas and propane-heated homes will likely see decreases, electrically heated homes are expected to jump 4 percent for an average winter or 8 percent for a chillier winter, per the EIA.

Unfortunately, most homes in the South and Southeast could be in for some sticker shock: Over 50 percent of homes in those regions rely on electricity to warm their homes. However, the same La Niña effects that bring colder weather to the north also typically bring more mild, drier weather to the south, meaning there may be less reason to crank up the thermostat this year.

The post 4 Regions Where Heating Bills Will Rise the Most This Winter appeared first on Best Life.

RELATED: Never Use Your Credit Card for These 6 Purchases, Financial Experts Say.

1. Filling up the gas tank

Keeping your vehicle fueled up can often feel like the biggest drain on your budget. Of course, recent sky-high prices have all but assured that most trips to fill up will require a swipe to cover the cost. But even as gas prices begin to fall back to normal, you may want to break the habit of using your debit card at the pump.

“Many gas stations pre-authorize a certain amount before you pump gas, which can result in a temporary hold on a large sum of your funds,” says Tim Doman, the newly appointed CEO of TopMobileBanks. “If you do not have enough funds in your account, this can result in overdraft fees and other penalties. Using a credit card instead allows you to avoid these holds and potential overdrafts.”

2. When you’re missing out on potential rewards opportunities

Even if you’re on a budget, spending money on necessities is still a fact of life. That’s why experts say you should ensure you’re seeing the benefits of money going out by using the correct form of payment to potentially get something back.

“Using a debit card over a credit card to pay for a purchase could cause you to miss out on earning valuable rewards in the form of cashback, points, or airline miles,” consumer expert Andrea Woroch tells Best Life. “Review your spending habits to figure out where you spend the most and find a credit card that gives you more rewards for that category to maximize your earning potential.”

3. For high-value items or big purchases

It’s rare for anyone making an expensive purchase to show up with cash to cover the cost. But if you’re in the market for big-ticket items such as jewelry, electronics, or household appliances, experts caution that you’re safer using a credit card than a debit card.

“Debit cards are risky to use because the fraud protection benefits are much more limited compared to credit cards,” says Robert Farrington, founder of The College Investor. “If there are any issues with transactions, the money comes right out of your checking account. That could put you in a tough spot when it comes to paying bills or rent.”

Credit cards also allow you to take advantage of the extended warranties or special return policies on these expensive items.

RELATED: 10 Best Ways to Increase Your Credit Score.

4. When you don’t have much in your bank account

One of the benefits of using a debit card over a credit card is that you can avoid overspending. But while this is true for long-term budgeting, you can also ultimately pay a lot more if you swipe while you’re low on funds.

“When you spend more than you have in an account, the bank can charge an overdraft fee, ranging anywhere from a few dollars to dozens of dollars,” warns Riley Adams, founder and CEO of WealthUp.com. “Make a few purchases that overdraw your account in a row, and it could result in hundreds of dollars in costly fees.”

Fortunately, there’s a relatively easy way to avoid this situation.

“Make it a habit to check your checking account balance on a regular basis and move money from savings to checking before you start spending,” says Courtney Alev, consumer financial advocate at Credit Karma. “You can also opt out of any overdraft protections your bank puts on your account so that your card is declined if you don’t have enough money to make a purchase.”

5. Any transactions abroad

There are plenty of benefits to swiping your card when you travel internationally. Apart from avoiding the costly fees associated with currency exchange, you’ll also avoid losing large sums of cash due to a misplaced wallet or theft. But before you swipe, make sure you’re not using a debit card to make your purchase.

“The conversion rate used by foreign ATMs or merchants can result in a lower exchange rate than what you would get with a credit card,” says Doman. “Also, foreign transaction fees can be significantly higher with a debit card. If you are traveling internationally, it is best to use a credit card with no foreign transaction fees or withdraw cash in the local currency using your debit card only in emergencies.”

6. When dealing with certain businesses

Running your debit card during a purchase is unquestionably a convenience for the customer. But for the business accepting your payment, it means they may be making less off the sale when you swipe or tap.

“Small retailers, utility companies, and other businesses may charge a processing or convenience fee when paying with debit rather than cash or check,” says Woroch.

Before you agree to eat the extra cost, review the potential fees before paying to decide if it’s worth it. “Otherwise, find a nearby ATM that partners with your bank or pop into a large drugstore or grocery store to request cash back to save,” Woroch suggests.

7. When making any recurring payments

Let’s be honest: Paying your monthly bills is never a fun activity. Fortunately, it’s a lot easier to manage them with online payments—some of which can even be made automatically. But just because you can settle your dues through your phone or computer doesn’t mean your debit card is a suitable option.

“If you have recurring payments for services such as a gym membership, a subscription-based service, or a utility bill, it’s best to use a credit card,” advises Doman. “If a recurring payment is made using a debit card, a temporary hold or pre-authorization can be placed on your account, potentially leading to overdraft fees or unavailable funds.”

RELATED: Never Use Autopay for These 6 Bills, According to Financial Experts.

8. When you need purchase protection.

At face value, using your debit card and credit card can feel practically identical. But similarly to losing cash in your wallet, your debit card often has relatively limited protections compared to credit cards—meaning you could be on the hook for purchases you didn’t even make.

“If you report your debit card missing before any unauthorized charges are made, you’re not responsible for unauthorized transactions,” Alev says. “But, if you report it lost or stolen within two business days of learning about the loss or theft, your maximum financial loss is the lesser of $50 or the total amount of unauthorized transfers.” If you wait even longer, you could be responsible for $500 or more.

And when it comes to costly purchases you do make, you could miss out on the extra warranties or other benefits by swiping the wrong card. “Many credit cards offer additional consumer protections such as purchase protection that you’re unlikely to get from a debit card,” she says.

9. For online purchases

E-commerce has made shopping so convenient that it can sometimes be arguably too easy. But before you elect to have something shipped to you, experts caution that you should think twice about your payment method.

“I advise against using a debit card for online purchases, especially on sites that you are not familiar with or that have a questionable reputation,” says Doman. “Debit cards are directly linked to your bank account, making it easier for hackers to access your funds if your information is compromised. On the other hand, credit cards offer greater protection against fraudulent purchases, as you can dispute the charges and your money is not directly tied to the card.”

This can also make events like data breaches or identity theft more expensive to deal with.

“Yes, if there are fraudulent transactions, the bank will reimburse you up to the limits allowed by law—but it could take upwards of 60 days,” Farrington explains. “Furthermore, depending on when you notify your bank, you could be on the hook for some of the issues. If you notify your bank within 48 hours, you could still owe $50—and after two days, you could still owe up to $500!”

10. Hotels and other travel expenses

From meals out on the town to exploring a new city’s shops, it can feel much easier to spend money when traveling. But before you go to check into your accommodations or pull off the rental car lot, you should consider having a credit card on hand to pay for them.

“People should know when they’re traveling that renting a car using a debit card can result in a hold on a large sum of money from your bank account. And many hotels will pre-authorize a certain amount on your debit card for incidentals such as room service or internet usage,” Doman tells Best Life. “This can result in a hold on a large sum of your funds, making it difficult to access your money for other expenses. Using a credit card instead can help avoid these holds and potential overdrafts.”

“Additionally, car rental companies may also check your credit score when you use a debit card, potentially leading to further holds or declines,” he adds.

The post 10 Times to Never Use Your Debit Card, Financial Experts Say appeared first on Best Life.

RELATED: Mechanic Says This Popular SUV Is a “Ticking Time Bomb.”

Which states have the cheapest gas right now?

The latest research comes from a survey conducted by Monster Fairings, which analyzed pricing information from across the U.S. using data from AAA. Besides the average price for a gallon of regular in each state, it also calculated how much other grades (such as premium and mid-grade) and diesel were going for, too. The team then combined the groups to find an overall average.

While prices across the board remain relatively high, it’s clear that some places pay much more than others. But as of Oct. 2, 2025, these states had the lowest total average price of a gallon of gas:

• Iowa – $3.27
• Nebraska – $3.25
• Kansas – $3.23
• South Dakota – $3.23
• Missouri – $3.22
• Arkansas – $3.22
• Louisiana – $3.21
• Texas – $3.19
• Mississippi – $3.17
• Oklahoma – $3.07

Besides having the lowest overall average price, Oklahoma was also the most affordable for all categories of gas besides diesel. Texas can lay claim to that title, besting Oklahoma with a slightly lower price of $3.21 per gallon versus $3.23.

Overall, states in the South and the Gulf States tended to rank lower on the price scale than other areas. This is partly due to infrastructural considerations, thanks partly to their closer proximity to refineries.

The Pacific Coast typically pays more for gas.

Things are a lot pricier in the westernmost states in the U.S., however. California topped the list of the most expensive total average price at $4.94, followed by Washington at $4.87, Hawaii at $4.85, Oregon at $4.45, Nevada at $4.13, and Alaska at $4.10.

The data also shows that Hawaii is the priciest place in the country for diesel, where a gallon costs $5.16—or a full $2.03 more than the lowest average price in Oklahoma. For the most part, higher grades of fuel tended to fall in line with the states along the list, with no major outliers between them.

“The data clearly demonstrates that location and regional infrastructure are the primary determinants of a driver’s fuel cost,” a spokesperson for Monster Fairings said of the findings. “For drivers navigating the high-cost states of the Pacific, managing consumption through efficient driving and quality performance parts is more critical than ever to control overall expenses.”

RELATED: Never Say These 4 Things at a Car Dealership: “They’ll Cost You Thousands.”

…But there’s some good news for drivers in recent data.

However, while prices still seem high from coast to coast, a little relief might be in sight. On Oct. 19, the national average price for a gallon of gas dropped below $3.00 to just $2.97, according to fuel pricing website GasBuddy. This marked the first time the cost has dipped below that mark since Dec. 29, 2024.

Unfortunately, the good news could be fleeting: According to GasBuddy, a fire at a refinery that largely supplies the American Midwest could send the average price back up very soon. In fact, the national average regular gas price was already listed as $3.05 once again as of Oct. 21, according to AAA.

But while the pain we feel at the pump is often weaponized by officials, the truth behind what we pay is a bit more complicated.

“This drop is overwhelmingly being driven by the significant increase in oil production from OPEC throughout 2025, which has meaningfully rebalanced the global oil market,” Patrick De Haan, head of petroleum analysis at GasBuddy, said in a statement. “That, combined with weaker demand and inflation finally easing, has created the perfect environment for lower prices. While some may be quick to assign political credit, the reality is that global supply dynamics—particularly OPEC’s production decisions—have been the primary force behind the relief drivers are seeing at the pump.”

The post 10 States With the Cheapest Gas Right Now, Data Shows appeared first on Best Life.

In a new TikTok video, car mechanic Zach Trahan breaks down the top five cars guaranteed to last 200,000 miles. Based on years of expertise, Trahan can vouch that these vehicles are designed for longevity and won’t bleed your wallet dry from pesky repairs. So, let’s get into it.

RELATED: Mechanics Agree This Car Brand Has Gone Downhill: “Engines Are Hot Garbage.”

“You could literally pick any one of these, and you’ll never have an issue [getting] to 200,000 miles; each generation is just as reliable as the last,” said Trahan.

Since 2015, the Honda Civic has scored an 8.1 rating or higher from the U.S. News & World Report. For 2025, the Civic Type R is their number-one small car and number-one hatchback, with a score of 9.9 out of 10. The regular Civic is their number-two compact car, receiving a 9.2 out of 10.

“The 2025 Honda Civic Type R is one of the cornerstones of the hot hatch segment and is wickedly fun to drive,” they write. “The performance-focused Type R is capable of speedy days at the track, but it’s still approachable and practical enough for everyday living. Pair that with a comfortable and high-quality interior, and you have one of the best sport compacts on the market.”

“Every single generation with the Camry is reliable,” Trahan raved. “You could buy one, and it will go 200,000 miles. Even with improper maintenance, I feel like it would still get to 200,000 miles, that’s just how well built these cars are.”

According to Drive Direct, the Toyota Camry earns praise for its longevity and reliability, safety record, wide inventory, dependability, cost efficiency, and “state-of-the-art” manufacturing.

In an unrelated video recently posted to TikTok, mechanics at the Logan, Utah-based Auto Bahn repair shop were asked which cars last the longest, and they all agreed upon Hondas and Toyotas.

In a separate video, car expert and TikTok user @AndysAutoAdvice said that Camrys are so well-made that you’ll still see models from 2002 and 2006 “everywhere today.”

RELATED: Never Say These 4 Things at a Car Dealership: “They’ll Cost You Thousands.”

“I owned one of these, and I beat the absolute [expletive] out of it, and it didn’t break,” shared Trahan. “You know how many miles it had on it? 260,000.” He said the vehicle’s longevity “speaks for itself,” and you’d be safe choosing the IS250 or IS350 generation.

“It’s a great vehicle. It’s going to last you at least 200,000 miles,” he concluded.

If you’re stuck between the IS250 and the IS350, Club Lexus did an excellent job breaking down the main differences between the two models:

“If weather and climate are no concern for you when purchasing the Lexus IS series, then look at the Lexus IS 350 rear wheel drive option with the F Sport package, as it will give you the highest performance with most power available in the series,” they said.

“If weather is a concern, then consider the IS 350 AWD option, as you will still get considerable power, although you will not have the 8-speed transmission option and your gas mileage may be slightly compromised. If you are in a colder climate, where you may face snow during parts of the year, and want a luxury sedan feel but do not need the speed, then the IS 250 AWD is for you,” they added.

“If you are new to the luxury sedan market and working within a budget, then consider the IS 250 rear wheel drive option, as its interior finishes are excellent and the Lexus brand is always well regarded,” per Club Lexus.

According to Trahan’s expertise, “These will last you 200,000 miles guaranteed just like the Civic.” Personally, he would opt for the “older Accords versus the newer ones,” but noted you really can’t go wrong with any of them.

Car and Driver calls the Honda Accord a “slam dunk” and one of the best high-value family sedans on the market. The interior is “spacious, well-equipped, and practical.” When looking for a downside, the publication wrote, “To be blunt, there isn’t one.”

“The 2025 Honda Accord is a rare vehicle that is greater than the sum of its parts, causing it to transcend the doldrums of the dealer lot to true icon status,” they added.

If Trahan was going to promote any of these models to the 300,000-mile list, it would be the Ford Crown Victoria, which was produced between 1998 and 2011.

“Look, it’s not the best-looking vehicle—but if you’re looking for something that’s going to last forever, this is it,” he explained of his reasoning. “It’s probably going to do it with zero issues as well. These things are indestructible.”

Believe it or not, in 2024, a YouTube car influencer bought a 2011 Crown Vic that was used as a New York Taxi and had over 500,000 miles on it.

The post 5 Cars Guaranteed to Last 200,000 Miles, Mechanic Says appeared first on Best Life.

RELATED: The 15 States Where Homeownership Isn’t Just a Six-Figure Fantasy.

These are America’s 10 most expensive ZIP codes.

Realtor.com just released its annual list of America’s 10 most expensive ZIP codes.

“While these ZIP codes make up only a sliver of the U.S. housing market, just 0.1% of all for-sale properties, they show where the wealthiest buyers, and their dollars, are concentrated,” said Anthony Smith, a senior economist at Realtor.com, in a press release.

“In a country where a $1.3 million home marks the entry point to the top 10%, these neighborhoods operate on a completely different scale, where breathtaking views and unmatched exclusivity set the standard,” he continued. “They are the markets that capture the attention of the wealthiest buyers, concentrate extraordinary amounts of capital, and define what ultra-luxury living means in America today.”

So, without further ado, here are the priciest ZIP codes in the U.S., along with their median listing price:

10. Malibu, CA (90265): $5,971,250

9. Rancho Santa Fe, CA (92067): $6,075,000

8. Water Mill, NY (11976): $6,845,000

7. Beverly Hills, CA (90210): $6,869,000

6. Hope Ranch – Santa Barbara, CA (93110): $6,874,000

5. Montecito – Santa Barbara, CA (93108): $6,995,000

4. Bel Air – Los Angeles, CA (90077): $8,234,750

3. Bridgehampton, NY (11932): $8,495,000

2. Newport Coast – Newport Beach, CA (92657): $9,099,000

1. Fisher Island – Miami Beach, FL (33109): $11,925,000

Clearly, the most expensive places to live in the country are Southern California, the Hamptons in New York, and one very exclusive island in Miami. According to the report, the majority of these homes “are among the top 1% priciest listings within the U.S.–a tier for those priced $5.7 million and up.”

And it’s not just the prices that are big numbers; the square footage is too. Realtor.com notes that the median size of a home in the U.S. is about 1,850 square feet. But for this list, it ranges from 3,400 square feet in Malibu to more than 6,700 square feet in Rancho Santa Fe.

RELATED: 40% of Americans Are Overpaying in Property Taxes—Find Out If You’re One of Them.

What to know about Fisher Island:

Of course, this list has everyone curious about the ultra-rich Fisher Island, an exclusive enclave in Miami Beach.

“Every single home currently for sale here is priced above $1 million, and the 90th percentile price climbed nearly 19% year-over-year to $35 million,” Realtor.com shares. “Homes on the market here average around 3,835 square feet, offering spacious layouts despite the island’s limited footprint.”

Fisher Island has become a celebrity hotspot thanks to the fact that it’s only accessible by ferry, boat, or helicopter, according to the Jills Zeder Group. Past and current big-name residents include Oprah Winfrey, Jack Nicholson, Mel Brooks, and Julia Roberts.

“All residences are condos or villa-style units with water views, oversized terraces, and layouts built for either seasonal or full-time living,” the Jills Zeder Group explains. They add that potential buyers must first be accepted to the Fisher Island Club if they want to purchase property, which requires Board approval.

Most listings here never even hit the public market.”Most serious buyers rely on private networks or early access from experienced agents,” the real estate group explains.

The post In America’s Most Expensive ZIP Code, Homes Sell for $12 Million appeared first on Best Life.

Too many people think they need expensive gear, classes, or supplements to get results, experts say. But with the right strategy, you can slash your fitness expenses while still getting in fantastic shape.

If you’re looking to tighten your abs and your budget, here’s how to save money on fitness costs without sacrificing your progress or performance, according to experts.

RELATED: The Best & Worst Gym Chains in America in 2025

It can be easy to assume the only way to a solid workout routine involves joining a pricey gym or investing in home equipment. But if you’re just getting started, one of the best ways to gauge how much you can commit is by sticking to a completely free form of exercise.

“Try using your feet before doing anything else,” suggests Tanya Peterson, vice president at digital personal finance company Achieve.

You can make it local, convenient, and effective by starting with walking or running in your area.

“It might be right out your door through your neighborhood or at a close park or trail,” she notes. “You may be surprised at how effective this can be when done consistently—all for only the cost of a good pair of shoes.”

There’s no denying that online content and streaming services have changed the way we access our favorite movies and shows. Thankfully, the same applies to exercise content, making it easier than ever to avoid having to join a costly gym.

“Working out at home can be very low-cost,” says Trae Bodge, smart shopping expert at TrueTrae.com. “There are thousands of free videos on YouTube that require no equipment or minimal equipment, and you can level up by adding inexpensive fitness bands or weight-bearing equipment, like weights or kettlebells. Some of my favorites are BodyFit by Amy, Fit with Mik, Juice & Toya, and MadFit.”

RELATED: Scientists Say These 2 Types of Exercise Can Help You Live Longer

Just like smartphones, your smartwatch can monitor your daily physical activity, providing real-time feedback and prompts to get up and move. These devices can also be a great way to adopt a workout routine for less than a traditional gym membership or trainer’s fee.

“If you own a fitness watch, consider an app-based workout program, like Fitbit Premium or Apple Fitness+,” Bodge advises. “These apps pair with your device and offer guidance and workouts. The best part is that they typically only cost around $80 per year.”

RELATED: Doctors Discover the #1 Workout Routine to Burn Fat

From dumbbells to resistance bands and even vintage athleisure (which is the latest trend), many used fitness-related items can be found for a steal.

Check Facebook Marketplace, OfferUp, Poshmark, or your local vintage store for secondhand equipment and workout wear.

If you keep getting targeted ads on TikTok and Instagram for “the next big weight loss or muscle-building supplement,” don’t believe the hype.

Most fitness experts and personal trainers will tell you that all you need are the basics, like protein powder and creatine, which are research-backed to help improve your performance. For anything else, talk with your doctor first before shelling out cash for expensive “fat burners” or supplements (which are largely unregulated by the FDA).

RELATED: Doctors Say These Are the 8 Most Overused Supplements

Your job likely comes with plenty of benefits on top of your salary, including health insurance and a 401K plan. Those perks might also include wellness-related incentives.

“Some companies include gym memberships and nutrition plans as part of their employee benefits,” says Scott Lieberman, founder of Touchdown Money. “If yours is on that list, you can enjoy a quality gym for no cost or very few expenses.”

“Many fitness classes work like Baskin-Robbins: They give you one free class before you have to buy,” says Lieberman. “If you go to 10 different classes, there’s a chance you’ll find one you’ll want to do while getting nine free workouts on the others.”

He adds that apps like ClassPass are also a fantastic option for those who want to try out several different class types without having to commit to one.

“You can also buy a package that lets you go to multiple gyms or studios to really get your money’s worth,” he says.

RELATED: 14 Practical Ways to Save Money Each Month

Just like shopping for anything else, the cost of a new gym membership or exercise equipment can vary wildly depending on when you purchase it. That’s why experts say waiting for a sale is often the easiest way to spend less—especially at certain times of the year.

“If you can wait, January is often a good time to save on fitness-related expenses,” Bodge says. “Those who take a ‘new year, new you’ approach will find discounts on gym memberships, home fitness equipment, and fitness apparel.”

It’s no secret that gyms and studios will often bend over backward to try to get new members to join. According to money-saving expert Andrea Woroch, this is something you can use to your advantage.

“Don’t settle on the first price you’re offered,” she says. This includes asking about discounts when you pay upfront or sign a contract for a year or more.

Don’t get discouraged if you can’t get an outright discount. “If the sales rep can’t budge on the price of the monthly membership, perhaps they can waive any registration fees or offer added value through free childcare, guest passes, or personal training sessions,” she suggests.

Just make sure you read the fine print before you sign.

“Is there a minimum term? Will the fee change with time? Are you allowed to work out only on certain days or at certain hours? Many states have laws that allow people who purchase gym memberships a few days to back out of the deal if they change their minds,” says Peterson.

Besides helping you stay accountable, getting friends and family to work out with you can sometimes help you save money.

“If you’re looking for personalized training, but don’t want to pay the high fees for a one-on-one session, find a friend or two who have the same fitness goals to split the cost,” Woroch recommends.

“Most personal trainers don’t mind, but make sure to ask first. Otherwise, opt for a small group training class instead, which allows you to get some personalized tips without the high cost.”

RELATED: Fitness Trainers Agree This 5-Minute Workout Can Transform Your Body

“Even if a facility is offering a fantastic deal on personal training, if you won’t use the sessions or can’t fit them into your schedule, they are already too expensive,” Peterson cautions. “Similarly, if you see a bargain on a treadmill for your house, but you know you hate working out indoors, you must pass it up.”

If you want the benefits of working out at a gym but need some flexibility, she suggests considering drop-in fees or “punch passes” for a designated number of visits to a local recreation center. This way, you won’t be signing up for a flashy membership you that goes to waste.

The post Experts Reveal 11 Easy Ways to Cut Your Fitness Costs—And Still Get in Fantastic Shape appeared first on Best Life.

RELATED: Mechanics Agree This Car Brand Has Gone Downhill: “Engines Are Hot Garbage.”

General Motors

One thing is for certain: Mechanics aren’t happy with the new General Motors vehicles.

“GM’s been having a lot of problems with their new engines,” said one technician.

Another added, “A lot of GM stuff has been kind of exploding, like a lot of the 6.2 V8s are having bearing problems and piston problems. Then the 3.6 [V8 engines] in general, it’s just not good and they put that in a lot of stuff.”

He’s not wrong. In April 2025, General Motors recalled nearly 600,000 SUVs and pickup trucks with 6.2L V8 engines due to an increased risk of vehicle crashes from engine failure.

Affected models include:

• Certain 2021-2024 Cadillac Escalade and Escalade ESV
• Chevrolet Silverado 1500
• Suburban
• Tahoe
• GMC Sierra 1500
• Yukon
• Yukon XL

“The connecting rod and/or crankshaft engine components may have manufacturing defects that can lead to engine damage and engine failure,” reads a recall notice posted by the National Highway Traffic Safety Administration (NHTSA).

Just last month, General Motors recalled an additional 62,468 cars over electrical shortages and fire risk warnings.

“An electrical short in the brake pressure switch can overheat the circuit and increase the risk of fire while driving or parked,” according to the NHTSA June 2025 recall notice. “The brake pressure sensor assembly may leak brake fluid into the brake pressure switch and cause a short circuit.”

The recall applies to some 2019-2024 Chevrolet Silverado Medium Duty 4500HD, 5500HD, and 6500HD vehicles. As first reported by Newsweek, here is the full breakdown:

• 2023 Chevrolet Silverado 5500 HD: 10,097 vehicles
• 2022 Chevrolet Silverado 5500 HD: 7,339 vehicles
• 2019 Chevrolet Silverado 5500 HD: 6,948 vehicles
• 2024 Chevrolet Silverado 5500 HD: 6,632 vehicles
• 2021 Chevrolet Silverado 5500 HD: 6,424 vehicles
• 2020 Chevrolet Silverado 5500 HD: 5,439 vehicles
• 2023 Chevrolet Silverado 6500 HD: 5,102 vehicles
• 2022 Chevrolet Silverado 6500 HD: 3,635 vehicles
• 2019 Chevrolet Silverado 6500 HD: 2,248 vehicles
• 2024 Chevrolet Silverado 6500 HD: 2,191 vehicles
• 2021 Chevrolet Silverado 6500 HD: 2,135 vehicles
• 2020 Chevrolet Silverado 6500 HD: 1,804 vehicles
• 2024 Chevrolet Silverado 4500 HD: 514 vehicles
• 2022 Chevrolet Silverado 4500 HD: 483 vehicles
• 2023 Chevrolet Silverado 4500 HD: 415 vehicles
• 2019 Chevrolet Silverado 4500 HD: 389 vehicles
• 2021 Chevrolet Silverado 4500 HD: 360 vehicles
• 2020 Chevrolet Silverado 4500 HD: 313 vehicles

The severity of the fire risk has NHTSA advising car owners to “park outside and away from structures until the recall repair is complete.”

Per the notice, dealerships are responsible for replacing the “brake pressure switch wire harness” at no charge to the owner.

RELATED: Never Say These 4 Things at a Car Dealership: “They’ll Cost You Thousands.”

Chrysler

Another car brand that’s making negative waves is Chrysler.

“Chrysler’s been bought out so much recently. I don’t think they know what they’re making anymore,” said a mechanic in the video.

When asked to name the worst new car brand of 2025, one dealership employee quipped, “Anything Chrysler.”

“Too many electrical issues with them. Recalls, well not even recalls, just new cars. Buy it [and] six months later it’s back in the shop for something,” he said.

In June, Chrysler recalled 250,600 Pacifica and Voyager vehicles (model years 2022-2025) due to faulty side curtain airbags.

“While the airbags will still deploy, the pressure may not reach the intended level, potentially compromising occupant protection in certain types of collisions,” Chrysler said in a statement to FOX Business.

The post Mechanics Warn These Are the 2 Worst Car Brands: “Six Months Later, It’s Back in the Shop” appeared first on Best Life.