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I haven’t set foot in a grocery store in nearly four months.With a 10-month-old baby to think about, my husband and I have kept trips to the store to a minimum out of an abundance of caution during the pandemic. We’re fortunate to have just about every grocery delivery service at our disposal — and we’ve taken advantage.In between orders from Costco, Whole Foods, Imperfect Foods and more, I’ve noticed our virtual shopping habit is changing how we budget. We’re accounting for new grocery-related expenses. We’re also more deliberate about what we buy.Here’s why online grocery shopping could affect how much you spend — and ways to keep your budget intact.MarkupsYou could pay more online than in the store for the exact same item. That’s because some delivery services, or the retailers they partner with, inflate grocery prices to cover fulfillment costs.On Costco’s website, I was met with the message “item prices are marked up higher than your local warehouse. Instacart uses the markup to pay for their delivery service.” The exact price difference wasn’t specified.Same-day delivery service Shipt says its members can expect to pay about more on a order online than in the store. Plan that you will spend a few extra bucks every time you buy groceries online.Extra chargesAt the grocery store, the price you see is typically the price you pay. But online, fees for delivery, service, alcohol, memberships and subscriptions could be tacked onto your bill. Extra charges could range from a couple dollars for a service fee to about a hundred dollars for a membership.“You’re spending more money because it’s a service,” says Jennifer Weber, a certified financial planner in Lake Success, New York.How you use that service can also affect the cost. Often, you’ll pay a premium for quicker or high-demand delivery times. Then, there are tips. Tipping, while optional, is a simple way to support the workers risking their health to provide you with an essential service. Many grocery services set a default tip, so make sure to pick the amount you prefer.SubstitutionsItems could be unexpectedly out-of-stock, incorrect or missing from your delivery. Certain services allow substitutions for unavailable inventory. However, that can come at a higher cost. When the conventional tomatoes I ordered sold out, I ended up with organic tomatoes for more.When using services that charge for pricier replacements, consider opting out of automatic substitutions or allocating a few extra dollars toward your grocery budget as a cushion. Inspect orders closely upon arrival as well and notify the company if you’re charged for forgotten or incorrect items.Impulse purchasesGetting your groceries while sitting in front of your screen isn’t all bad news for your wallet: 46% of consumers say they’ve made fewer impulse purchases since shifting to online grocery shopping in the spring, according to a survey from Magid, a business strategy and research company.“Careful planning and buying only what you intend to is a little bit easier to do online,” says Steve Caine, a partner with the retail practice of Bain and Company, a management consulting firm. “You don’t get influenced quite the same way as you do when you’re walking through a store.”With no enticing candy displays or cleverly arranged shelves to stroll past, you might fill your cart with fewer items. Plus, Caine says shopping online allows you to better keep a “running total” of your purchase, while in the store, you usually don’t know until checkout.Ways to watch your budgetOnline grocery shopping is here to stay for the foreseeable future. These strategies can reduce the strain on your budget.Make a list. Check your fridge or pantry and jot down what you need for the week. “You can think ahead and say, ‘I want to spend 0 or .’ Then, you can do price comparisons for those items,” Weber says.Compare grocery services. Try building a basket on a few different sites to see which offers the lowest price on items. Explore all the costs involved and look for coupons or promotions before checkout.Be flexible. Choosing curbside pickup can help you skip delivery fees, tips and other charges. But if you opt for delivery, note that one-hour or same-day windows could be more expensive. Giving yourself time to plan and pushing it to next-day or two-day delivery can reduce the cost, Caine says.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletWhy Taking Social Security Early Costs Too MuchHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpLauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 4740

If you’re a fan of tequila and cheap drinks, Applebee’s is offering a deal you can take advantage of all-August-long!Through the end of August, Applebee’s is serving up strawberry margaritas (or, more appropriately nicknamed “Strawberry Dollaritas”). To put into perspective, their all-day-long special is less than the price of a soda! The drinks are served in a frosty 10-ounce mug on the rocks with tequila, strawberry and margarita mix — the perfect combination to cool down during the sweltering hot summer.Operating hours and participating locations may vary so before heading out to your favorite Applebee’s location, the company suggest reaching out and making sure they offer the deal. 710

In a few weeks, thousands of college students will begin their yearly right of fall by returning to the campus of Tufts University in Medford, Massachusetts, but a return to campus life this year will mean testing and quarantining for those students who chose to come back.Like colleges and universities across the country, Tufts is experimenting with a new plan that will allow more than 5,000 students to come back to campus while at the same time, instituting rigorous new guidelines in an effort to keep COVID-19 from spreading.The key to success, testing.“We wanted to test for COVID at a frequency that would catch people when they’re asymptomatic before they have a chance to spread,” explained Tuft’s President Anthony Monaco.Tufts plan for the fall is as complex as the virus itself. Students from outside the Northeast will be brought back to campus first, where they will be forced to quarantine for 14 days. Health officials expect at least a small portion of those students to test positive for COVID-19 the moment they step back on campus. Because of that, the university has constructed an extra 200 modular units of dorm space. The idea of the modular facilities is to give campus health officials a contained area to monitor students who test positive for the virus, while at the same time, keeping them out of the general population.After students from outside the Northeast are brought back to campus, students from the general area around New England will return.Every single student will be tested twice a week for COVID-19, something experts say will be a key component to safely reopening college campuses this fall. Regardless, school officials expect students to test positive for the virus throughout the fall.Researchers at Yale’s School of Public Health have been advising Tufts and hundreds of other colleges who are planning to resume some form of in-person learning this fall.“If we don’t test frequently, we give silent spreaders an opportunity to grab hold and this virus is hard to play catch-up with,” explained Professor A. David Paltiel, who recently published a study on how quickly the virus can spread through colleges if left unchecked.To study the virus, Paltiel and his colleagues used epidemic modeling to assemble hypothetical situations resembling a college campus. The study found that if you take 5,000 healthy students and add in only 10 students who have COVID-19, hundreds, if not thousands, of kids will be sick by Thanksgiving.“At that point, the only thing that keeps the virus from getting out of control is Thanksgiving break,” he said.That is why testing is key, the study found. When Paltiel took those same 5,000 kids and added in 10 students who have COVID-10, but tested every student twice a week, the study found that only about 100 students ended up catching COVID.“Many universities are planning to only test students who have symptoms, in our view that is a recipe for disaster,” he said.Only adding to the uncertainty of the situation, about 40 percent of college students said they would return to live near campus even if classes were held virtually. Paltiel and other health officials say because of that, it’s more beneficial to have students on-campus where they can be monitored and tested frequently.“It’s hard and it could be a nightmare, people who say we shouldn’t open campuses should remember the nightmare doesn’t go away,” he said. 3420

If you want to feel happier, then you'll need to move to Hawaii.According to WalletHub, Hawaii is the happiest state of 2020.Source: WalletHubResearchers at WalletHub looked at environmental factors, like economic, emotional, physical, and social health, often linked to how satisfied people are with life.They then compared how much people work to people's rates of depression and unemployment.With its gorgeous beaches, the fantastic weather, and the scenic views, it's no wonder the aloha state came out on top.West Virginia was ranked the least happy state. 569

How far would you go to get the potholes in your neighborhood noticed? One of the more common frustrations motorists have in the Detroit area is the feeling that some potholes are ignored until they become dangerous. 234

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