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Recent Money

The Ultimate Money List: 75 Must-Read Books on Personal Finance

There I was. 21 years old. $24,000 in debt.

I thought it was normal. I thought everyone had car payments. I thought debt was the only way of life. The American way.

I also couldn’t sleep at night, because I was so stressed. I had no plan for an emergency, other than to go into more credit card debt.

That’s when I got angry. A good motivating, driving anger. An anger that ultimately lead me and my family out of debt.

I realized that debt was controlling our life. And I wanted to be in control. So, I started reading…

read more

How to Write a Perfect Introduction to Your Resume

A resume is essentially a document for selling your skills and work experience.

However, if you directly jump to the work experience section from your name and contact information, recruiters will lose interest in your profile and it will leave a bad impact. Therefore, it is necessary to come up with a good introduction for a resume or CV (Curricula Vitae).

We all know the importance of the competencies and work experience section for a resume. But do we ever place the same importance on writing a good introduction? The answer is usually no.

This is one of the reasons why even a well written resume and a deserving candidate get no response from the recruiter.

A good introduction to a resume is as important as dressing well is for an interview…

read more

Habits of the World’s Wealthiest People [Infographic]

From Warren Buffett to Oprah Winfrey, there are some common traits in the habits of the richest people in the world.

And I’m not talking about the habit of inheriting a lot of money.

That seems to be one of the main reasons people think they can’t become wealthy. They think that the rich come from rich families and they never had to work for anything in their life.

Not true. At all. In fact, most of the richest people either work or have worked harder than any of us and that’s exactly why they are where they are.

As you’re about to see, 68% of the 400 Americans on the Forbes 2013 “billionaires list” are considered “self-made” billionaires. Meaning they built, rather than inherited their fortune.

That doesn’t really tie in to the belief that the rich didn’t work for their money. Of course, as we all know, the point is to make your money work for you, but sometimes that takes work in itself!

Let’s see what we can learn from the habits of the wealthiest people in the world…

read more

What Happens to a Mortgage When the Homeowner Dies?

It is a sad thing to consider, but not all that uncommon.

Sometimes a homeowner with a mortgage will die before the mortgage has been completely paid off.

Since mortgages can last 20, 30, even 40 or more years, a lot can happen to a person between the time they start and the time it finishes.

If you are worried about confusion with the house and mortgage if this happens to you or a loved one, here are some things to know…

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The Most Important Article You’ll Ever Read On Investing

There are few topics that have as much written about them and as much contrasting information as investing.

Just knowing that is enough to scare most people away from investing at all.

Is it really that difficult? Do you really need to devote years of your life to studying the most efficient way to invest?

It would seem that way, but in reality, not at all.

The problem with most investing advice is that someone is profiting (or attempting to profit) from it.

Investing is actually much easier to understand than you may think.

You’re about to learn everything you need to know to be a successful investor…

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8 Important Financial Tips for Freelancers

If you’re a freelance worker of any stripe — writer, consultant, artist, contractor — you’re likely in the habit of keeping a close eye on your finances.

Sure, there are basic bits of advice that are good tips for anyone: Make and adhere to a budget (or not)! Diversify your assets! Steer clear of Whole Foods!

Personally, I ran into major trouble the first year I filed my taxes as an independent contractor. I felt intimidated by the level of organization required. Not to mention the jargon. “Schedule C?” “Pension distributions?” Uhhh…I’m a 25-year-old child over here, okay?

Doing my taxes was a breeze as a “regular” employee. Fill in the blanks, a couple quick calculations, stick a stamp on it: done. I learned I wasn’t alone (90% of taxpayers need help when the season rolls around). More importantly, I realized everyone has to start somewhere.

I’m definitely still learning, but there are a couple of things I’ve picked up along the way…

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6 TED Talks That Will Change the Way You Think About Money

I love TED Talks and honestly, I don’t know anyone who doesn’t.

If you’re familiar with the TED videos, you know what I’m talking about.

They’re edifying, educational and full of wisdom.

My only complaint is that there are too many of them! Which is a very good problem to have.

I have been listening to TED Talks like crazy and I found these six that really stood out. I think they will change the way you think about money in many regards.

Enjoy…

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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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Recent Productivity

The Ultimate Productivity List: 75 Books to Boost Your Productivity

I just released the top 75 books on personal finance and it was insanely popular.

Now it’s time for the “best of the best” productivity list. Yes, that’s a total of 150 books I’m recommending. I hope your to-read list is growing! I’m here to help with that.

I’ve been reading on productivity for years. Just like with personal finance, I’ve read some amazing books and some…not so amazing books.

I’ve decided to leave the not-so-amazing books out off the list. You’re welcome.

These books are not just the best books I have ever read on productivity; they are books that have changed my outlook (for the better) and helped me to achieve things I never would have believed I could do. Prepare to seriously become more productive…

read more

The Most Important (And Most Forgotten) Part of Your Productivity

I’ve read articles, books, guides…pretty much anything you can think of, but I’ve noticed there’s something that gets skipped over a lot.

This is probably the most important part of productivity, yet it’s usually mentioned in a sentence or two and then forgotten.

What is this mysterious piece of the puzzle? I’m glad you asked, let me tell you…

read more

How Ten Feet Helped Me Read 5 More Books Last Month

Do you have “your” chair? Your favorite spot?

A recliner, a rocking chair…the porcelain throne…

I realized that I was spending hours each month sitting in my favorite chair and using my time doing practically nothing.

So what did I do? I literally just moved the current book I was reading from the end table across the room to the shelf right beside my favorite chair.

The results? I read 5 more books last month than I planned to.

I realized that reaching reading goals has a lot to do with your environment and you have control over that.

Here’s how you can read more books by controlling your environment…

read more

How to Clear Your To-Do List Today (Without Overwhelming Yourself)

Let me guess.  You have a to-do list and you add to it everyday.

You promptly go through each item and check it off, one after one.

By the end of the day, your list is completely empty and awaiting whatever tasks tomorrow holds.

Not so much?

Since you’re here, reading this article, I assume that it doesn’t go so smoothly. It doesn’t go so smoothly for me either.

You are constantly adding to your list and occasionally checking something off.

Enough is enough. When your to-do list is so full that you forget about things at the bottom, it’s time to change something.

Here’s how to completely clear your to-list today and start getting stuff done, without overwhelming yourself…

read more

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?

​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

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…

read more

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.

More about me.

The Blog

The Ultimate Productivity List: 75 Books to Boost Your Productivity

The Ultimate Productivity List: 75 Books to Boost Your Productivity

I just released the top 75 books on personal finance and it was insanely popular.

Now it’s time for the “best of the best” productivity list. Yes, that’s a total of 150 books I’m recommending. I hope your to-read list is growing! I’m here to help with that.

I’ve been reading on productivity for years. Just like with personal finance, I’ve read some amazing books and some…not so amazing books.

I’ve decided to leave the not-so-amazing books out off the list. You’re welcome.

These books are not just the best books I have ever read on productivity; they are books that have changed my outlook (for the better) and helped me to achieve things I never would have believed I could do. Prepare to seriously become more productive…

read more
The Ultimate Money List: 75 Must-Read Books on Personal Finance

The Ultimate Money List: 75 Must-Read Books on Personal Finance

There I was. 21 years old. $24,000 in debt.

I thought it was normal. I thought everyone had car payments. I thought debt was the only way of life. The American way.

I also couldn’t sleep at night, because I was so stressed. I had no plan for an emergency, other than to go into more credit card debt.

That’s when I got angry. A good motivating, driving anger. An anger that ultimately lead me and my family out of debt.

I realized that debt was controlling our life. And I wanted to be in control. So, I started reading…

read more
How to Write a Perfect Introduction to Your Resume

How to Write a Perfect Introduction to Your Resume

A resume is essentially a document for selling your skills and work experience.

However, if you directly jump to the work experience section from your name and contact information, recruiters will lose interest in your profile and it will leave a bad impact. Therefore, it is necessary to come up with a good introduction for a resume or CV (Curricula Vitae).

We all know the importance of the competencies and work experience section for a resume. But do we ever place the same importance on writing a good introduction? The answer is usually no.

This is one of the reasons why even a well written resume and a deserving candidate get no response from the recruiter.

A good introduction to a resume is as important as dressing well is for an interview…

read more
The Most Important (And Most Forgotten) Part of Your Productivity

The Most Important (And Most Forgotten) Part of Your Productivity

I’ve read articles, books, guides…pretty much anything you can think of, but I’ve noticed there’s something that gets skipped over a lot.

This is probably the most important part of productivity, yet it’s usually mentioned in a sentence or two and then forgotten.

What is this mysterious piece of the puzzle? I’m glad you asked, let me tell you…

read more
Habits of the World’s Wealthiest People [Infographic]

Habits of the World’s Wealthiest People [Infographic]

From Warren Buffett to Oprah Winfrey, there are some common traits in the habits of the richest people in the world.

And I’m not talking about the habit of inheriting a lot of money.

That seems to be one of the main reasons people think they can’t become wealthy. They think that the rich come from rich families and they never had to work for anything in their life.

Not true. At all. In fact, most of the richest people either work or have worked harder than any of us and that’s exactly why they are where they are.

As you’re about to see, 68% of the 400 Americans on the Forbes 2013 “billionaires list” are considered “self-made” billionaires. Meaning they built, rather than inherited their fortune.

That doesn’t really tie in to the belief that the rich didn’t work for their money. Of course, as we all know, the point is to make your money work for you, but sometimes that takes work in itself!

Let’s see what we can learn from the habits of the wealthiest people in the world…

read more
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