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The Worst Credit Card Mistakes You Should Stop Making

The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance	Annual percentage rate	Monthly payment	Time needed to pay balance	Additional interest paid
$2,000	14.55%	$50	4.7 years	$753
$2,000	14.55%	$180	1 year	$161
$2,000	25%	$50	7.3 years	$2,344
$2,000	25%	$180	1.1 years	$281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores. 

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check. 

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.

---

Source

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The Worst Credit Card Mistakes You Should Stop Making

The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance	Annual percentage rate	Monthly payment	Time needed to pay balance	Additional interest paid
$2,000	14.55%	$50	4.7 years	$753
$2,000	14.55%	$180	1 year	$161
$2,000	25%	$50	7.3 years	$2,344
$2,000	25%	$180	1.1 years	$281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores. 

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check. 

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.

---

Source

TikTok Parents Are Taking Advantage of Their Kids. It Needs to Stop

TikTok Parents Are Taking Advantage of Their Kids. It Needs to Stop

Rachel Barkman's son started accurately identifying different species of mushroom at the age of 2. Together they'd go out into the mossy woods near her home in Vancouver and forage. When it came to occasionally sharing in her TikTok videos her son's enthusiasm and skill for picking mushrooms, she didn't think twice about it -- they captured a few cute moments, and many of her 350,000-plus followers seemed to like it.

That was until last winter, when a female stranger approached them in the forest, bent down and addressed her son, then 3, by name and asked if he could show her some mushrooms. 

"I immediately went cold at the realization that I had equipped complete strangers with knowledge of my son that puts him at risk," Barkman said in an interview this past June. 

This incident, combined with research into the dangers of sharing too much, made her reevaluate her son's presence online. Starting at the beginning of this year, she vowed not to feature his face in future content. 

"My decision was fueled by a desire to protect my son, but also to protect and respect his identity and privacy, because he has a right to choose the way he is shown to the world," she said.

These kinds of dangers have cropped up alongside the rise in child influencers, such as 10-year-old Ryan Kaji of Ryan's World, who has almost 33 million subscribers, with various estimates putting his net worth in the multiple tens of millions of dollars. Increasingly, brands are looking to use smaller, more niche, micro- and nano-influencers, developing popular accounts on Instagram, TikTok and YouTube to reach their audiences. And amid this influencer gold rush there's a strong incentive for parents, many of whom are sharing photos and videos of their kids online anyway, to get in on the action. 

The increase in the number of parents who manage accounts for their kids -- child influencers' parents are often referred to as "sharents" -- opens the door to exploitation or other dangers. With almost no industry guardrails in place, these parents find themselves in an unregulated wild west. They're the only arbiters of how much exposure their children get, how much work their kids do, and what happens to money earned through any content they feature in.

"Once public engagement happens, it is very hard, if not impossible, to really put meaningful boundaries around it."

Leah Plunkett, author, Sharenthood

Instagram didn't respond to multiple requests for comment about whether it takes any steps to safeguard child influencers. A representative for TikTok said the company has a zero-tolerance approach to sexual exploitation and pointed to policies to protect accounts of users under the age of 16. But these policies don't apply to parents posting with or on behalf of their children. YouTube didn't immediately respond to a request for comment.

"When parents share about their children online, they act as both the gatekeeper -- the one tasked with protecting a child's personal information -- and as the gate opener," said Stacey Steinberg, a professor of law at the University of Florida and author of the book Growing Up Shared. As the gate opener, "they benefit, gaining both social and possibly financial capital by their online disclosures."

The reality is that some parents neglect the gatekeeping and leave the gate wide open for any internet stranger to walk through unchecked. And walk through they do.

Meet the sharents

Mollie is an aspiring dancer and model with an Instagram following of 122,000 people. Her age is ambiguous but she could be anywhere from 11-13, meaning it's unlikely she's old enough to meet the social media platform's minimum age requirement. Her account is managed by her father, Chris, whose own account is linked in her bio, bringing things in line with Instagram's policy. (Chris didn't respond to a request for comment.)

You don't have to travel far on Instagram to discover accounts such as Mollie's, where grown men openly leer at preteen girls. Public-facing, parent-run accounts dedicated to dancers and gymnasts -- who are under the age of 13 and too young to have accounts of their own -- number in the thousands. (To protect privacy, we've chosen not to identify Mollie, which isn't her real name, or any other minors who haven't already appeared in the media.)

Parents use these accounts, which can have tens of thousands or hundreds of thousands of followers, to raise their daughters' profiles by posting photos of them posing and demonstrating their flexibility in bikinis and leotards. The comment sections are often flooded with sexualized remarks. A single, ugly word appeared under one group shot of several young girls in bikinis: "orgy."

Some parents try to contain the damage by limiting comments on posts that attract too much attention. The parent running one dancer account took a break from regular scheduling to post a pastel-hued graphic reminding other parents to review their followers regularly. "After seeing multiple stories and posts from dance photographers we admire about cleaning up followers, I decided to spend time cleaning," read the caption. "I was shocked at how many creeps got through as followers."

But "cleaning up" means engaging in a never-ending game of whack-a-mole to keep unwanted followers at bay, and it ignores the fact that you don't need to be following a public account to view the posts. Photos of children are regularly reposted on fan or aggregator accounts, over which parents have no control, and they can also be served up through hashtags or through Instagram's discovery algorithms.

The simple truth is that publicly posted content is anyone's for the taking. "Once public engagement happens, it is very hard, if not impossible, to really put meaningful boundaries around it," said Leah Plunkett, author of the book Sharenthood and a member of the faculty at Harvard Law School.

This concern is at the heart of the current drama concerning the TikTok account @wren.eleanor. Wren is an adorable blonde 3-year-old girl, and the account, which has 17.3 million followers, is managed by her mother, Jacquelyn, who posts videos almost exclusively of her child. 

"As kids get older, they naturally want to define themselves on their own terms, and if parents have overshared about them in public spaces, that can be difficult."

Stacey Steinberg, author, Growing Up Shared

Concerned onlookers have pointed Jacquelyn toward comments that appear to be predatory, and have warned her that videos in which Wren is in a bathing suit, pretending to insert a tampon, or eating various foodstuffs have more watches, likes and saves than other content. They claim her reluctance to stop posting in spite of their warnings demonstrates she's prioritizing the income from her account over Wren's safety. Jacquelyn didn't respond to several requests for comment.

Last year, the FBI ran a campaign in which it estimated that there were 500,000 predators online every day -- and that's just in the US. Right now, across social platforms, we're seeing the growth of digital marketplaces that hinge on child exploitation, said Plunkett. She doesn't want to tell other parents what to do, she added, but she wants them to be aware that there's "a very real, very pressing threat that even innocent content that they put up about their children is very likely to be repurposed and find its way into those marketplaces."

Naivete vs. exploitation

When parent influencers started out in the world of blogging over a decade ago, the industry wasn't exploitative in the same way it is today, said Crystal Abidin, an academic from Curtin University who specializes in internet cultures. When you trace the child influencer industry back to its roots, what you find is parents, usually mothers, reaching out to one another to connect. "It first came from a place of care among these parent influencers," she said.

Over time, the industry shifted, centering on children more and more as advertising dollars flowed in and new marketplaces formed. 

Education about the risks hasn't caught up, which is why people like Sarah Adams, a Vancouver mom who runs the TikTok account @mom.uncharted, have taken it upon themselves to raise the flag on those risks. "My ultimate goal is just have parents pause and reflect on the state of sharenting right now," she said. 

But as Mom Uncharted, Adams is also part of a wider unofficial and informal watchdog group of internet moms and child safety experts shedding light on the often disturbing way in which some parents are, sometimes knowingly, exploiting their children online.

The troubling behavior uncovered by Adams and others suggests there's more than naivete at play -- specifically when parents sign up for and advertise services that let people buy "exclusive" or "VIP" access to content featuring their children.

Some parent-run social media accounts that Adams has found linked out to a site called SelectSets, which lets the parents sell photo sets of their children. One account offered sets with titles such as "2 little princesses." SelectSets has described the service as "a classy and professional" option for influencers to monetize content, allowing them to "avoid the stigma often associated with other platforms."

Over the last few weeks, SelectSets has gone offline and no owner could be traced for comment.

In addition to selling photos, many parent-run dancer accounts, Mollie's included, allow strangers to send the dancers swimwear and underwear from the dancers' Amazon wish lists, or money to "sponsor" them to "realize their dream" or support them on their "journeys."

While there's nothing technically illegal about anything these parents are doing, they're placing their children in a gray area that's not explicitly sexual but that many people would consider to be sexualized. The business model of using an Amazon wish list is one commonly embraced by online sugar babies who accept money and gifts from older men.

"Our Conditions of Use and Sale make clear that users of Amazon Services must be 18 or older or accompanied by a parent or guardian," said an Amazon spokesperson in a statement. "In rare cases where we are made aware that an account has been opened by a minor without permission, we close the account."

Adams says it's unlikely to be other 11-year-olds sending their pocket money to these girls so they attend their next bikini modeling shoot. "Who the fuck do you think is tipping these kids?" she said. "It's predators who are liking the way you exploit your child and giving them all the content they need."

Turning points

Plunkett distinguishes between parents who are casually sharing content that features their kids and parents who are sharing for profit, an activity she describes as "commercial sharenting." 

"You are taking your child, or in some cases, your broader family's private or intimate moments, and sharing them digitally, in the hope of having some kind of current or future financial benefit," she said.

No matter the parent's hopes or intentions, any time children appear in public-facing social media content, that content has the potential to go viral, and when it does, parents have a choice to either lean in and monetize it or try to rein it in.

During Abidin's research -- in which she follows the changing activities of the same influencers over time -- she's found that many influencer parents reach a turning point. It can be triggered by something as simple as other children at school being aware of their child's celebrity or their child not enjoying it anymore, or as serious as being involved in a car chase while trying to escape fans (an occurrence recounted to Abidin by one of her research subjects). 

"Frankly, this is all just a large social experiment."

Sarah Adams, who runs the TikTok account @mom.uncharted

One influencer, Katy Rose Pritchard, who has almost 92,000 Instagram followers, decided to stop showing her children's faces on social media this year after she discovered they were being used to create role-playing accounts. People had taken photos of her children that she'd posted and used them to create fictional profiles of children for personal gratification, which she said in a post made her feel "violated."

All these examples highlight the different kinds of threats sharents are exposing their children to. Plunkett describes three "buckets" of risk tied to publicly sharing content online. The first and perhaps most obvious are risks involving criminal and/or dangerous behavior, posing a direct threat to the child. 

The second are indirect risks, where content posted featuring children can be taken, reused, analyzed or repurposed by people with nefarious motives. Consequences include anything from bullying to harming future job prospects to millions of people having access to children's medical information -- a common trope on YouTube is a video with a melodramatic title and thumbnail involving a child's trip to the hospital, in which influencer parents with sick kids will document their health journeys in blow-by-blow detail.

The third set of risks are probably the least talked about, but they involve potential harm to a child's sense of self. If you're a child influencer, how you see yourself as a person and your ability to develop into an adult is "going to be shaped and in some instances impeded by the fact that your parents are creating this public performance persona for you," said Plunkett.

Often children won't be aware of what this public persona looks like to the audience and how it's being interpreted. They may not even be aware it exists. But at some point, as happened with Barkman, the private world in which content is created and the public world in which it's consumed will inevitably collide. At that point, the child will be thrust into the position of confronting the persona that's been created for them.

"As kids get older, they naturally want to define themselves on their own terms, and if parents have overshared about them in public spaces, that can be difficult, as many will already have notions about who that child is or what that child may like," said Steinberg. "These notions, of course, may be incorrect. And some children may value privacy and wish their life stories were theirs -- not their parents -- to tell."

Savannah and Cole LaBrant have documented nearly everything about their children's lives.

Jim Spellman/WireImage

This aspect of having their real-life stories made public is a key factor distinguishing children working in social media from children working in the professional entertainment industry, who usually play fictional roles. Many children who will become teens and adults in the next couple of decades will have to reckon with the fact that their parents put their most vulnerable moments on the internet for the world to see -- their meltdowns, their humiliation, their most personal moments. 

One influencer family, the LaBrants, were forced to issue a public apology in 2019 after they played an April Fools' Day Joke on their 6-year-old daughter Everleigh. The family pretended they were giving her dog away, eliciting tears throughout the video. As a result, many viewers felt that her parents, Sav and Cole, had inflicted unnecessary distress on her.

In the past few months, parents who film their children during meltdowns to demonstrate how to calm them down have found themselves the subject of ire on parenting Subreddits. Their critics argue that it's unfair to post content of children when they're at their most vulnerable, as it shows a lack of respect for a child's right to privacy.

Privacy-centric parenting

Even the staunchest advocates of child privacy know and understand the parental instinct of wanting to share their children's cuteness and talent with the world. "Our kids are the things usually we're the most proud of, the most excited about," said Adams. "It is normal to want to show them off and be proud of them."

When Adams started her account two years ago, she said her views were seen as more polarizing. But increasingly people seem to relate and share her concerns. Most of these are "average parents," naive to the risks they're exposing their kids to, but some are "commercial sharents" too.

Even though they don't always see eye to eye, the private conversations she's had with parents of children (she doesn't publicly call out anyone) with massive social media presences have been civil and productive. "I hope it opens more parents' eyes to the reality of the situation, because frankly this is all just a large social experiment," she said. "And it's being done on our kids. And that just doesn't seem like a good idea."

For Barkman, it's been "surprisingly easy, and hugely beneficial" to stop sharing content about her son. She's more present, and focuses only on capturing memories she wants to keep for herself.

"When motherhood is all consuming, it sometimes feels like that's all you have to offer, so I completely understand how we have slid into oversharing our children," she said. "It's a huge chunk of our identity and our hearts."

But Barkman recognizes the reality of the situation, which is that she doesn't know who's viewing her content and that she can't rely on tech platforms to protect her son. "We are raising a generation of children who have their entire lives broadcast online, and the newness of social media means we don't have much data on the impacts of that reality on children," she said. "I feel better acting with caution and letting my son have his privacy so that he can decide how he wants to be perceived by the world when he's ready and able."

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2019 honda accord review the driving enthusiast suffix 2019 honda accord review the driving enthusiastic meaning 2019 honda accord review the driving enthusiast crossword 2019 honda accord review the driving enthusiastic definition 2019 honda accord review the driving enthusiast apparel 2019 honda accord review the driving force 2019 honda accord review the lincoln 2019 honda odyssey for sale 2019 honda accord sport

2019 Honda Accord review: The driving enthusiast's family sedan

2019 Honda Accord review: The driving enthusiast's family sedan

It's a bit of a surprise to see a brand-new midsize sedan arrive with three pedals and a six-speed manual transmission, and even more so when those pieces are attached to a 2.0-liter turbocharged engine with a not-insignificant 252 horsepower. But this unusual and unusually sporting version of the 2019 Honda Accord is an absolute delight to drive, one that'll satisfy your need for speed even if your life circumstances have moved you away from sport compacts and into midsize sedans.

Powertrain aside, the 2019 Honda Accord is a wonderful car in which to spend time. It nails the mission brief of a midsize sedan, delivering easy everyday livability that makes this car our top pick in its class.

About that engine

Of course, with "2.0T" right in the name, there's no way to avoid discussing the brisk acceleration enabled by that engine. A cousin to the 2.0-liter in the Civic Type R, the turbo mill endows the Accord with 252 horsepower and 273 pound-feet of torque, the latter offered all the way from 1,500 through 4,000 rpm. That's quite a bit more verve than the 1.5-liter turbo engine in other Accords, which serves up a perfectly adequate 192 hp and 192 lb-ft and mates either to a manual or a continuously variable transmission.

On boost, the engine whips the Goodyear Eagle Touring tires into a frenzy and pulls swiftly through the manual transmission's lower gears. It's quite exciting for what is, ultimately, an ordinary family sedan.

Fortunately the engine is not all about big boost, and operates smoothly and quietly in more quotidian driving situations. There's ample torque right off idle for spurting through city traffic and enough midrange punch you don't even need to worry if you forget to downshift before merging.

The optional 2.0-liter turbo engine is a real powerhouse.

Jake Holmes/Roadshow

Big credit also must go to the car's six-speed manual, which has to be among the loveliest gearshifts you can find in a new car today. Light enough to use with two fingers, direct enough that you never mistake one gate for another and paired with a just-right clutch pedal, it's the sort of stick-shift arrangement that takes no effort at all to drive -- even in stop-and-go city traffic. But I wouldn't fault anyone for buying this car with the optional 10-speed automatic transmission instead.

Daily driver extraordinaire

There's quite a lot of joy in the way the 2019 Honda Accord handles all aspects of driving, actually. With a great, commanding driving position and panopticon visibility in every direction, busy city streets are no chore at all. The Accord's steering is light but not without some sense of what the front tires are doing, the brake pedal reassuringly firm but not overly so. It's a car that feels like it was engineered by people who enjoy driving, and as a result, it's a car that is enjoyable to drive.

On the freeway, the Accord keeps wind and road noise remarkably hushed, while displaying well-mannered damping that keeps head-bobbing over dips and bumps to a minimum. However, those 19-inch wheels and low-profile (235/40 aspect ratio) tires struggle with cracked and brittle pavement. Impacts are both felt and heard in the cabin; other Accords ride more softly on 17-inch wheels with more tire sidewall, and that would be my preferred setup for daily-driving duty.

The Accord's interior is functional and well laid out.

Jake Holmes/Roadshow

This Accord Sport model does benefit in terms of handling from a quicker steering ratio, upgraded anti-roll bars and wider tires than, say, the more common EX trim. But experience in other models suggests all Accords are equally as satisfying to drive as this sporty-ish model.

Business casual design

There's a lot to look about the stylish, modern design of the 2019 Honda Accord, which manages to be a whole lot less bland than the last-generation model. With a low nose and a curving roofline, the sedan has quite a sporty profile. I could do without the big chrome strip along the top of the windowline, but otherwise the Accord's jewelry, specifically the LED head- and taillights, nicely breaks up its big surfaces. Large 19-inch wheels, chromed dual exhausts and a trunklid spoiler are appreciated touches on this Sport model.

Functional interior

The cabin is equally pleasing to the eye, finished with high-quality materials that, despite the black-on-black color scheme, do not look in the least bit dour. Everything you touch, from plastics to switches to the teensy shift knob, feels nice, too. The two center cupholders are set deep into the console, so you can use taller coffee mugs or water bottles. The center console cubby itself is not enormous, though offers a USB and 12-volt power outlet to power gadgets. A cubby ahead of the shifter is home to another pair of outlets and can conceal a charging phone or iPod.

Honda's infotainment system works well and supports both Apple CarPlay and Android Auto.

Jake Holmes/Roadshow

In true Honda fashion, the interior is extremely functional, with big knobs for the climate control, easy-to-find flaps covering the USB ports, big switches on the steering wheel and a superlegible, semidigital instrument cluster. While the right-hand side of the cluster is an old-school analog speedometer, the left-hand side can serve as a virtual tachometer or a trip computer, or can offer up any number of data pages for things like vehicle status, safety-system operation, music and phone calling info and even service schedules.

A big range of adjustment for the front seats and steering wheel makes finding a comfortable driving position a cinch, and there's head- and legroom to spare for average-size adults. The same is true of the second row, where you won't believe how much space passengers have. Even with the roof's sloping profile, back-seat headroom is generous.

Nor will you believe how much stuff you can fit in the trunk, which has a low liftover height, a wide opening and the ability to swallow a class-leading 16.7 cubic feet of your belongings. The back seats fold down easily, too, for transporting larger items if necessary.

The trunk is enormous, storage 16.7 cubic feet of luggage.

Jake Holmes/Roadshow

Plentiful technology

All Accords save the base LX and the Hybrid use an 8-inch touchscreen infotainment that supports Bluetooth, satellite radio, HD Radio, Android Auto and Apple CarPlay. Built-in navigation, a Wi-Fi hotspot and wireless phone charging are available on some models. It would be nice to have some USB ports in the back to keep the kids' tablets charged, too, though.

The touchscreen crams a lot of information onto its display, but its menu structure is simple to navigate and responses to inputs are near-instant. Redundant physical buttons surround the screen, making it easier to jump between options or to adjust settings by feel while driving.

Safety technology is in abundance and, best of all, most of it comes standard across all trim levels -- something that can't be said of all rivals. Standard equipment includes forward-collision warning automatic emergency braking, lane-departure warning and lane-keep assist, traffic-sign recognition, automatic headlights and adaptive cruise control. That ACC is offered even on a manual-transmission car is a rarity. Blind-spot monitoring is also offered on most trim levels.

These wheels look great but don't do ride quality any favors.

Jake Holmes/Roadshow

Economy and pricing

One downside to electing the 2.0-liter engine is that fuel economy falls to 22 miles per gallon city and 32 mpg highway in this Sport model. While that's comparable to other high-powered midsize sedans -- the Toyota Camry XSE V6 also scores 22/32 mpg, for instance -- it's not too impressive by the standards of the class. Most shoppers will be more compelled by Accords equipped with the car's 1.5-liter turbo engine, which return up to 30/38 mpg in EPA testing. The Accord Hybrid, meanwhile, is rated for 47/47 mpg.

In terms of pricing, however, this Sport 2.0T falls right in the middle of the 2019 Accord range, at $31,630 as tested. The sedan's pricing structure largely mirrors its competition, with models powered by the base 1.5-liter engine running from $24,640 for an LX up to $31,040 for an EX-L. Opt for the 2.0-liter mill and you'll pay between $31,630 and $36,870.

This Accord Sport 2.0T is definitely the driving enthusiast's choice, what with its power and six-speed manual transmission. Yet spending a week behind the wheel of the Accord really just underlines how well-sorted the entire car is for whatever type of driving you like: City, suburb, or highway, the Accord handles it well. Plus, it's affordable, efficient, incredibly spacious and filled with technology that just plain works. With all that in mind, there's no midsize car we'd recommend more readily than the Honda Accord.

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DIY Peloton bike: How to build your own smart cycle on the cheap

DIY Peloton bike: How to build your own smart cycle on the cheap

Indoor exercise bikes have been around forever, but it feels like Peloton turned what used to be a dull, monotonous fitness activity into something exciting. Unfortunately, Peloton also turned it into something expensive: With prices ranging from $1,895 to $2,495, these "smart bikes" cost considerably more than most "dumb" ones. And that's not even factoring in the required subscription for exercise classes, which runs $40 a month.

Let's forgo the debate over whether the bike and service are worth the money. Instead, let's look at ways to get a Peloton-like cycling experience at home for less -- quite possibly a lot less.

Read more: Best workout subscription apps for 2020: Peloton, Daily Burn and more

For starters, I've already tested a number of affordable Peloton alternatives -- "connected" bikes that have similar designs and, in some cases, similar spin-class offerings. But even then you're looking at around $900 at a minimum. Surely there must be cheaper DIY options for budget-strapped cyclists?

There are:

• You can buy an inexpensive exercise bike and use it with any number of "experiential" iPad or iPhone apps -- including Peloton's (see below).
• You can buy a "trainer" and use the outdoor bike you already own -- again with apps to enhance the experience.

The hardware is actually the easier part of the equation, so let's start by looking at the software.

Read more: The best smart home-gym tech

It's all about the app(s)

The Peloton app gives you full access to all Peloton fitness content, but for a much lower price ($13 a month) than bike owners pay.

Rick Broida/CNET

As you know, the Peloton bike slings all manner of live and recorded classes to its big built-in screen. But what you may not know is that Peloton also offers these classes to the masses -- those who don't own the company's equipment -- courtesy of the Peloton app. 

Available for Android, iOS, Fire TV, Roku and Chromecast, it allows you to "BYO bike" (or treadmill, just FYI), though with one key omission: You won't get all the same live stats and metrics (distance, resistance, calories burned and so on) as you would from a Peloton bike. Likewise, it may be difficult to mirror the exact resistance called out by instructors during classes; a "20" on the Peloton bike has no real correlation to a bike that uses an analog dial for resistance. You also don't get the Peloton's large screen to watch classes or keep track of your stats, but I'll cover how to replicate the experience below. 

However, you can feed heart-rate data to the app -- all you need is an inexpensive third-party heart-rate monitor. Similarly, the app can capture cadence (i.e., pedal-rate) data, which, again, can come from an inexpensive sensor. More on those options later.

Here's the real surprise: The Peloton app costs just $13 per month, not $40 like for owners of the Peloton bike. Whatever bike you end up using, your overall costs will end up much lower.

Since you're going the BYO route anyway, you don't necessarily have to use the Peloton app. Or, you can switch between that and any number of others. Maybe you're not interested in spin-type classes; maybe you'd prefer virtual rides through famous city streets or on beautiful mountain trails. Maybe you'd like to compete in virtual races. There are lots of cycling apps designed to let you do all that and more. A few examples:

There are two newcomers worth mentioning as well: Fitscope Studio ($10 a month or $80 annually) and Motosumo ($13 a month). The latter promises to "turn any bike into a smart bike," offering live indoor cycling classes with various stats (collected from a Bluetooth HR monitor and power meter) displayed on your phone. Fitscope Studio offers a wider array of classes (including elliptical, treadmill and "scenery runs"), but without the live option or stat-monitoring.

There's no law that says you have to use a cycling app at all. Maybe you'd prefer to read a book in the Kindle app or stream The Queen's Gambit on Netflix. That's about as far away from the "Peloton experience" as you can get, but it's also a very low-cost option. (Here are 10 free Netflix alternatives to keep costs even lower.)

Inexpensive indoor exercise bikes

This Pyhigh bike sells for around $300. It's no Peloton, but if you're using the Peloton app to take classes, will you even notice?

Pyhigh

As noted, there are exercise bikes that cost a fraction of what you'll pay for the Peloton. You won't get all the same features, and build quality might not be as good. But if your goal is simply to ride inside while enjoying instructor-led classes, that's easily accomplished.

What should you look for in an indoor bike? A few key specs: The weight of the flywheel (conventional wisdom holds that heavier is better), the type of resistance (friction or magnetic, the latter typically quieter) and the inclusion of a phone or tablet holder. This last is pretty important, as you'll need a device for whatever app(s) you plan to use. You can buy a third-party holder if the bike you like doesn't include one -- more on that below.

However, any bike in the $200-$400 range won't be "connected," meaning it won't have any way to pair with that device. If you want heart-rate and/or cadence data from your rides, you'll have to add that equipment on your own.

Search Amazon for indoor exercise bikes and you'll find a dizzying array of choices, many of them from brands you're not likely to recognize: L Now, Pooboo, Pyhigh and so on. That's not necessarily a bad thing, but it can make your decision that much more difficult.

Having perused a lot of these brands and models, I found a few that appear to tick most of the important boxes. The Pyhigh S2 Indoor Cycling Bike features a 35-pound flywheel, an LCD monitor that displays basic cycling stats and a tablet holder. It currently sells for $307, though in the past it's been as low as $220.

The S2 is also notable because it has over 1,700 user reviews, and those average out to a solid 4.4 stars. With that kind of review volume, it's less likely you're seeing a preponderance of fakes, something to consider when looking at a product that has only a couple dozen ratings. (Find out more about this in my story on how to spot fake Amazon reviews.)

If you want a bike that uses magnetic resistance, which will definitely get you a little closer to a Peloton-like ride, check out the Joroto X2 for $400. It has a 4.5-star rating from over 1,900 buyers.

Again, these are just two options out of many. You could also head to your local sporting-goods store in search of bikes you can actually try before buying.

Indoor trainers for your outdoor bike

BYO bike and mount it on something like the Saris CycleOps M2 ($550) for a more realistic (but still app-connected) indoor-cycling experience.

Saris

Avid outdoor cyclists will tell you to skip these fancy (and even less fancy) exercise bikes in favor of the one you already own. You'll spend considerably less money and get a much more familiar (and realistic) riding experience.

The key piece of hardware you'll need: An indoor trainer, which typically combines a simple stationary stand for your front wheel and a roller for the back one. The trainer holds your bike upright; all you do is hop on and pedal.

These things range in price from under $100 on up to $1,000 and more, depending on design and features. One standout is the Saris CycleOps M2, a "smart" trainer that connects directly to apps like Rouvy and Zwift. Its electromagnetic roller will automatically adjust the tension to correspond with your virtual ride. (Pedaling up a hill, for example? The tension will increase.) The M2 is currently selling for $550, but has been as low as $430 in the past.

Your bike plus $150 gets you an indoor-cycling setup.

Sportneer

Looking for a less expensive option? For $150 (previously as low as $90), the Sportneer Bike Trainer offers a simple rear-wheel roller along with a handlebar-mounted remote that provides six resistance settings. It has a 4.4-star rating from nearly 4,000 buyers.

Just one wrinkle in this plan: Your bike probably doesn't have a place to put a tablet. You could always prop it up on a nearby table or shelf, but that'll make it harder to see and impossible to reach while riding. Thankfully, there are super-cheap tablet mounts designed for indoor bikes (ironic!) that should also work with your road bike. Here's one that costs all of $16.

Other gear you'll need

There are a couple key stats that go hand-in-hand with the Peloton experience: heart rate and cadence. Fortunately, you can track both without spending a lot, and feed that data directly to whatever app(s) you're using.

The Wahoo Cadence Sensor can install on nearly any bike. It feeds speed data to cycling apps.

Wahoo

The Wahoo Cadence Sensor is a popular choice; it can mount on your shoe or, more permanently, one of your bike's crank arms. It sells for $40.

Wahoo also makes a chest-strap heart-rate monitor, the Tickr, that runs $50. However, if you don't mind going a little off-brand, you can get something like the CooSpo heart-rate monitor for $39.

Finally, although you can use your phone, a tablet with a larger screen is really the ideal option -- the better to see your instructor or virtual bike trail. One of the cheapest options: The Amazon Fire HD 10, which sells for $150 but routinely goes on sale for $30-$50 less. There's a version of the Peloton app available for Fire tablets, same as for Android and iOS tablets.

Now for the bad news: Peloton is just about the only popular cycling app that's available for Fire. No FulGaz, no iFit, no Rouvy, no Zwift. If you want to run those, you'll need an Android tablet or an iPad. Check out CNET's roundup of the best tablets of 2020 if you need some recommendations.

My advice: Be on the lookout for an iPad deal. The current-gen iPad 10.2, for example, lists for $329 but often goes on sale for $279. There aren't many Android tablets available these days, and anything with a 10-inch screen is likely to cost you more than that iPad.

Let's do the math

When all is said and done, how much will it really cost you to recreate the Peloton experience without the Peloton bike? That depends on how much equipment you might already own and how much you need to buy. But the Peloton app itself feels like the real bargain at just $13 per month. In addition to live and on-demand cycling classes, it serves up a wealth of other fitness content: cardio, HIIT, yoga, meditation, stretching and more.

At the top end, you might spend $400 on a bike, $250 on a tablet and $100 on miscellaneous extras, for a total of around $750. That's still less than half the price of a Peloton bike, and you're not locked into a $39-a-month subscription.

Now let's hear from you: What kind of home-brew Peloton setup are you planning to put together? And if you've already got one, what kind of gear does it have, and how's it working out?

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