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Recent Money

5 Easy and Frugal Ways To Support The Homeless This Winter

5 Easy and Frugal Ways To Support The Homeless This Winter

Hey everyone, I’m Josh…You may know me from CNA Finance, Modest Money, and several other personal finance blogs around the blogosphere. However, over the past few months, I’ve really changed my focus. Simply put, the community has really taken care of me. I live well, eat well, and enjoy the simple pleasures in life. Unfortunately, that’s not the case for way too many people in our community. So, this year, I’ve decided to focus on helping those in need.

Over the past month, my fiancé and I have started what we view as a movement, called Under The Bridge. Our main goal is to change the way we see the homeless community. The bottom line is that while these people may have some past issues, they are human and deserve love and respect.

And here’s what you can do…

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Here’s the Truth About Network Marketing and MLMs

Here’s the Truth About Network Marketing and MLMs

​A friend of mine told me about a business opportunity.

It was supposed to be “the online Walmart” (this was before Walmart had the online Walmart.)

A superstore filled with every product you could imagine. But there was a difference. This website would pay you to shop there.

It was like a loyalty program that actually paid you cash money to shop at their store.

In the pitch, I remember the speaker saying “if you could shop at two different stores for the same price, but one of them handed you a $5 bill every time you were finished shopping. Which store would you choose?”

I think the answer is obvious and I was sold on the idea, but just when I was ready to sign up, something unexpected happened…

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The 5 Wealthiest Hedge Fund Managers (And What You Can Learn From How They Got There)

The 5 Wealthiest Hedge Fund Managers (And What You Can Learn From How They Got There)

When you’re trying to get good at something, always learn from the best.

Whether you’re just getting started with investing your money or are already a well-seasoned and sophisticated investor, you could always do with a few lessons taught by some of the best of the best in the financial world.

When most people start investing, their journey often begins with reading up about Warren Buffett. Buffett’s compounded annual return of about 20% over the course of his 50-year career, as Berkshire Hathaway’s chairman, is the stuff of legends.

But he isn’t the only one on the rich list who has made his fortune solely off the back of investments made over the years.

There’s a growing number of hedge fund managers whose talents have not only made them enormously wealthy, but also landed them on the prestigious Forbes Rich List. Many of these managers are billionaires and their investment styles vary greatly from the long-term value investing mantra of Buffett.

Here’s a list of the top 5 richest hedge fund managers and the lessons you could learn from them…

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How to Eat Healthy and Still Spend Less Than $400/Month on Groceries

How to Eat Healthy and Still Spend Less Than $400/Month on Groceries

​​Heart disease is a killer. So is type 2 diabetes.

Anyone can get these diseases, but you can greatly reduce your chances by eating a healthy diet.

So then why don’t we all eat healthy meals every day?

Well first off, because fatty, ​processed, high-carb​ food tastes great, despite how it makes you feel.

But ​it’s also about price, right? Eating healthy is expensive. But it doesn’t have to be.​

​Our family of 6 spends less than $400 on groceries each month​. It wasn’t always like this, it takes strategy and planning.

Here are some unique things we have done that you can do too, to eat healthy and save money…

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Imagine a “Dead Debt” Life

Imagine a “Dead Debt” Life

Are you one of the 37 million Americans who owe a total of approximately one trillion dollars in student loans?

And do you have this question constantly creeping in mind that in this day and age “is it possible to lead a debt free life?”

In recent times no matter which industry and background one belongs, everybody wants this query to be solved.

Debt has become a global issue for every individual and has resulted in so much waste in terms of productivity. It has become even harder these days to lead a life without having debt burden than it was previously…why is that?

There are so many questions that, if answered, would do wonders for people facing debt calamity as one could only imagine or dream, would be the appropriate word, a debt-free life…

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How Rich Are You?  The Line Between Giving and Guilt

How Rich Are You? The Line Between Giving and Guilt

I am rich. Like really rich.

Am I a millionaire? Nope. Not even close. So how am I rich if I’m not even a millionaire?

Let’s start with what “rich” really means. Here are the first couple definitions:

1. having a great deal of money or assets; wealthy.
2. plentiful; abundant.

Obviously the definition is subjective and open for interpretation, but I think it’s reasonable to use percentages here.

So who would be considered rich? The top 30 percent? The top 25 or 20 percent? 15?

Let me show you where I’m at, where you are and how we should approach about giving…

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How to Overcome Struggles, Be Happier and Take Control of Your Life

How to Overcome Struggles, Be Happier and Take Control of Your Life

Do you want to figure out one of the key to happiness and overcoming life’s crap?

Stop taking yourself so seriously. I’m serious.

If you’re serious about your goals and your dreams, it will serve you well to relax a little.

I’m not telling you to lose your discipline or stop pouring yourself into your life. What I am telling you is that it’s ok to have fun.

What am I talking about? Let’s start with your finances…

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5 Easy At-Home Car Repairs You Can Do Yourself

5 Easy At-Home Car Repairs You Can Do Yourself

One of my biggest woes in life is the money it costs me to keep my car ship-shape.

It seems every time I take it to a workshop, they find things wrong that I never even heard of. Things that end up costing me money I hadn’t planned spend—not now, anyway.

So I figured there had to be a better way to do basic repairs, and save not only the cost of the materials and labor but also the “extra” things mechanics always seem to uncover.

Here are 5 easy at-home car repairs…

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Recent Reviews

Credit Card Insider Review – Find the Perfect Card for You

Credit Card Insider Review – Find the Perfect Card for You

There are many tools to help your find the perfect credit card.

Some of those tools cost money, this one is free, but there are other free tools like this.

So, what makes it so special?

It’s more than just a tool, it’s a goldmine of resources on finding credit cards, improving your credit, fixing mistakes on your credit report and ultimately helping your get the best credit score possible.

So let’s dive in…

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Credit Sesame Review – Why I Made the Switch From Credit Karma

Credit Sesame Review – Why I Made the Switch From Credit Karma

​What is Credit Sesame?

Sure, they are a credit monitoring service, like Credit Karma and many others​, but that’s not all.

They offer more than the other credit monitoring services I’ve seen, while still keeping it free.

What do they offer, you ask? A free credit score, free credit monitoring and free identity theft protection.

Free identity theft protection? That’s right! And they actually offer even more than that.

Let me give you a quick breakdown, then I’ll let you go try it out. After all, it is free…

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Personal Capital Review – The Ultimate Free Tool for Budgeting and Investing

Personal Capital Review – The Ultimate Free Tool for Budgeting and Investing

There are many ways to get all your accounts in one place.

There are also ways to automate your budget.

Mint.com comes to mind.

Your bank may even offer online banking that budgets for you and allows you to add outside accounts to your dashboard.

That’s all great. I love automation. But I’ve found the cream of the crop.

All your accounts in one place? Check. An effective automatic budgeting system? Check. And that’s not all they do.

Personal Capital is great for budgeting, but it’s really great for investing!

Let me show you what sets Personal Capital apart from the rest…

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TSP Evolution Review – Gaming for Your Financial Future

TSP Evolution Review – Gaming for Your Financial Future

Occasionally I come across a new tool that is extremely helpful.

And then occasionally I come across a tool that’s just plain fun.

I’ve found a new tool that’s both extremely helpful and just plain fun.

Introducing: TSP Evolution.

The TSP (Thrift Savings Plan) is a contribution plan for federal employees in the United States, including the military.

It’s basically a 401k for federal employees.

Now you know what the TSP is, so what is TSP Evolution?

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Recent Productivity

How to Stop Being Lazy – Instill Self Discipline and Run Your Own Life

How to Stop Being Lazy – Instill Self Discipline and Run Your Own Life

When my wife and I first got married, I was lazy…I mean really lazy.

It wasn’t just that I didn’t wash dishes or do laundry…I didn’t even take my dishes to the kitchen and my laundry piled up on my floor.

It wasn’t that I was busy, I was just lazy. You know the drill: TV, video games, internet, repeat.

Now, I work full time for the military, run 15 miles per week, lift weights 5 hours per week, write for an hour each day and still manage to help my wife with the dishes and the laundry. Did I mention we are a family of 6 and family time is also very important to us?

So, what changed? Did the military instill this discipline in my life? Not really…

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Do You Really Have to Practice New Habits Every Day for Them to Stick?

Do You Really Have to Practice New Habits Every Day for Them to Stick?

​Every time I read about creating new habits, the term “daily habits” always pops up.

You’ve probably heard it before…

“You must do this habit every day to make it stick”​.

“Your new habit should be a daily practice“.

​I always had the question: “Does that really mean every single day?” Even weekends and holidays?

I’ve finally figured out the best way to approach new “daily habits”.

Let me share what I’ve learned…

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How to Read More Books This Year Than Most People Read in Their Life – Part 2

How to Read More Books This Year Than Most People Read in Their Life – Part 2

This is Part 2 of 2 in a series. Read Part 1 here.

As we were talking about in Part 1…

We all want to be reading more, but it’s hard to find the time.

Reading is one of the main ways we grow and learn.

If you want to get better at something, read about it. But you know that.

The problem is that it’s hard to find the time to actually do it.

Let’s continue with the next 6 strategies to read more books this year than most people read in their entire life…

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How to Read More Books This Year Than Most People Read in Their Life – Part 1

How to Read More Books This Year Than Most People Read in Their Life – Part 1

“I find television very educating. Every time somebody turns on the set, I go into the other room and read a book.” -Groucho Marx

You’re already setting goals and deciding what you’re going to accomplish? Great! What better way to start the year…

We all want to be reading more, but it’s hard to find the time.

Reading is one of the main ways we grow and learn.

If you want to get better at something, read about it. But you know that.

The problem is that it’s hard to find the time to actually do it.

Here are the first 6 strategies to read more books this year than most people read in their entire life…

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How to Create More Self Discipline in Your Life

How to Create More Self Discipline in Your Life

“​We are what we repeatedly do, excellence then is not an act, but a habit ​.”​ ​-​Aristotle

​Discipline isn’t about the choice to do or not do something.

It’s a choice to take control of your own life, instead of letting someone or something else do it for you.

That’s why Napoleon Hill said:

“​​​If you do not conquer self, you will be conquered by self ​.”​​

It is possible to create discipline and become a disciplined person.

​It’s not genetic and it certainly isn’t something that always comes naturally.

Here’s are 4 important things you need to know about self discipline to create more in your life…

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6 Productivity Hacks Backed By Science [Infographic]

6 Productivity Hacks Backed By Science [Infographic]

“I believe in science.” -Esqueleto, Nacho Libre

I’m all about science-backed productivity.

From how habits are formed to the time of day we are most productive, I think science plays a huge role in helping us become more productive.

That’s exactly why I think it’s important to see some actual studies and how they pertain to your productivity…

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How to Create a New Habit (Even if You’re “Too Busy”)

How to Create a New Habit (Even if You’re “Too Busy”)

Are you intentional about creating new habits? You should be.

Building positive habits is one of the most powerful disciplines in the world.

Large results are created through the building of small, consistent habits.

But how do you build a new habit if you don’t have any time to spare? You know, if you think you’re “too busy”.

Everyone is busy and most people think they are too busy to add something to their life. They’re not. And you’re not.

Here’s what has worked for me, and it has also worked for many influential leaders…

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Recent Infographics

Merry Christmas!  Christmas Around the World [Infographic]

Merry Christmas! Christmas Around the World [Infographic]

Merry Christmas!

This is my favorite time of the year, as it is for many of you.

Today, I figured I would lighten the mood a little bit.

We’ll get back to improving our finances and productivity tomorrow, but for today, it’s a time to relax, appreciate and enjoy everything we are blessed with.

Spend time with your family. Get stuffed with Christmas dinner. Give freely and enjoy this interesting infographic…

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6 Productivity Hacks Backed By Science [Infographic]

6 Productivity Hacks Backed By Science [Infographic]

“I believe in science.” -Esqueleto, Nacho Libre

I’m all about science-backed productivity.

From how habits are formed to the time of day we are most productive, I think science plays a huge role in helping us become more productive.

That’s exactly why I think it’s important to see some actual studies and how they pertain to your productivity…

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How to Take Back Your Mornings [Infographic]

How to Take Back Your Mornings [Infographic]

Mornings are my favorite time of the day.

I can get more done in the first 2 hours of the morning than I can in the next 8 hours of the workday.

Since I’ll be publishing an article tomorrow on successful mornings (I’ll even be sharing my morning ritual), I thought it would be appropriate to share this awesome infographic today.

Let’s quickly go over a few key things to morning time…

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About Me

Kalen Bruce

My name is Kalen Bruce.

I write short, simple articles on money and productivity.

I live a debt-free life with my wife and 4 children.

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