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Kalen Bruce

My name is Kalen and I write short, simple articles on money and productivity. I’m a finance nerd and a productivity junkie. I’ve been told I defy millennial laws by being happily married, having four children and no debt. I’m not normal and that’s good! I figured out that successful people are different. If you’re ready to take control of your money, become insanely productive and create positive habits, you’re in the right place.  Use the icons directly above to learn about different topics or simply keep scrolling for the latest articles.  Go ahead and get your four free books ($48 value) as my gift to you.

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Latest Money Articles
10 Things You Need to Do if You Get Laid Off

10 Things You Need to Do if You Get Laid Off

Losing your job can be an emotional time.

Whether you get laid off or decide to leave, you may not be thinking straight.

It’s good to have a plan in place, or at least know where to find a plan (hint: this article) in the event that you do leave your job.

If you follow these 10 steps, the process will go much more smoothly…

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10 Creative Ways To Save Money For A Vacation

10 Creative Ways To Save Money For A Vacation

Vacation is a great opportunity to visit new places and spend quality time with your friends and family. There are many reasons that justify going on a vacation. Vacation refreshes your mind and soul. Vacation improves mental health, relieves stress, increases productivity, strengthens family ties and allows you to do things that you enjoy the most.

Planning vacation does not only count booking luxury hotel or selecting a destination, but also analyzing bank balance to help you decide whether or not you should travel. But what if your bank account isn’t ready. You need to take effective measures to cut down your daily expenses and save money for the vacation. Read the following creative ways.

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10 Crazy Romantic (and Frugal) Ideas to Celebrate Valentine’s Day

10 Crazy Romantic (and Frugal) Ideas to Celebrate Valentine’s Day

It’s that time of year when love is in the air. As Valentine’s Day quickly approaches, our thoughts turn to matters of the heart and questions about how to celebrate the day without breaking the bank. Lucky for you, we have some excellent ideas to make this Valentine’s Day a frugal and festive event. Cue the violins…

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What is the Best Way to Learn Forex Trading?

What is the Best Way to Learn Forex Trading?

The foreign currency markets are incredibly volatile, and this means that there is a lot of opportunity for savvy traders to make a profit. However, there are also plenty of opportunities to make a significant loss too. If you want to learn forex trading, then you must understand that even the best traders can and do lose money, so you must only trade with money that you can afford to lose, and you should keep some money in reserve to allow you to trade for a few days even if you are on a losing streak.

At the moment, CFD trading is gaining popularity in some countries as it is less risky endeavor. But if you keep in mind that there are two approaches to forex trading and stay disciplined, you can make a profit. These two approaches are technical analysis and fundamental analysis. The best way to learn forex trading is to look at both of these separately, and then integrate them into a sound, logical and reasonable approach to trading.

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9 Tips to Help You Save Money During a Move

9 Tips to Help You Save Money During a Move

They say that moving homes can be one of the most stressful experiences you will ever go through in your life – but moving can not only cause stress for the body and mind, it can also place huge strains on your bank balance (and this is after you’ve purchased your new home).

In this article, I will cover nine steps to ensure that the financial burdens of moving are lessened and your bank account can breathe a sigh of relief.

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How a Merchant Cash Advance Differs From a Small Business Loan

How a Merchant Cash Advance Differs From a Small Business Loan

Any type of business, irrespective of their credit scores, can get merchant cash advances through various companies. Small business loans are loans that are provided by banks and other lenders, and guaranteed by the Small Business Administration (SBA). Since there’s a government guarantee in the event of default, banks and other lenders often give out such loans that they wouldn’t have otherwise given.

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4 Countries to Monitor to Improve Your Investment Strategies

4 Countries to Monitor to Improve Your Investment Strategies

Investing is a global business. Nothing happens that cannot be influenced by wider factors, from economic upheavals to overseas conflicts, political strife, and even natural disasters. Any event with the power to impact finances within a country has the potential to cause external issues, and these can have a dramatic impact on the investment markets.

Some countries carry a greater global clout than others, and it is these that have to be most closely watched by investors, irrespective of whether their concerns lie with precious metals or the foreign exchange. These international powerhouses can influence economies and markets across the world, and so they bear paying attention to.

If you’re an investor in search of advice, then here are four countries to keep an eye on…

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5 General Insurance Buying Mistakes to Avoid

5 General Insurance Buying Mistakes to Avoid

No matter whether you are looking for health insurance or income protection, effective insurance planning is a must.

There are, unfortunately, so many individuals that are forking out their hard earned cash on a policy that is simply not right for them and their financial situation.

With that being said, read on to discover five of the top general insurance buying mistakes you need to avoid.

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3 Quick and Easy Value-Adding Home Improvements

3 Quick and Easy Value-Adding Home Improvements

Home improvements are a great way to add value to your home.

At least, that’s a common belief. But are they really? And which improvements give you the best bang for your buck?

The answers to these questions are probably not the same for everyone, and may depend on your definition of value. If you’re selling your home, value may be measured in monetary terms, but if you just want to increase your comfort level, this definition may include luxury additions that add little monetary value.

Here are a few quick and easy home improvements that may or may not increase your home’s value in your eyes. We’ll let you decide:

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Budgeting in Real Life: What it Actually Looks Like

Budgeting in Real Life: What it Actually Looks Like

Budgeting is weird, because almost every financial guru recommends doing it, and almost everyone who tries to do it struggles with it.

The truth is, there are a lot of things left unsaid when it comes to budgeting.

There’s a reason it doesn’t work…or doesn’t seem to work.

I’m going to explain how to actually budget effectively and cover some unanswered questions.

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5 Reasons to Invest in Property Overseas

5 Reasons to Invest in Property Overseas

Have you ever considered investing internationally?

There may be more benefits than you knew.

London-based property agent, Experience Invest has provided 5 top tips for investing in property overseas.

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How Real Estate Agents and Investors Can Work Together

How Real Estate Agents and Investors Can Work Together

The relationship between real estate agents and investors is often adversarial in nature. However, if both parties are willing to overcome their misconceptions about the other, investors and agents can provide immense value to each other. Agents help clients successfully navigate the hurdles of the buying and selling process while investors are savvy at assessing profit potential in homes. When combined, the skill set of real estate agents and investors can create a mutually beneficial—and lucrative—partnership.

If you’re an agent or investor, use these tips to facilitate a successful collaboration.

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A Quick Checklist to Save on Your Monthly Bills

A Quick Checklist to Save on Your Monthly Bills

Bills, bills, bills. It’s like no matter how many you pay, there’s another one in route to your mailbox. Unfortunately for us, there is no effective solution to getting rid of bills altogether (Though it would be nice). That means you’ll need to come up with a few suitable solutions to minimize the amount of money you have to shell out on the monthly basis. Check out the five most common bills and efficient solutions for lower the cost:

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Latest Productivity Articles
How to Sleep Yourself to Success (As in Actual Sleep)

How to Sleep Yourself to Success (As in Actual Sleep)

Sleep is underrated. It may not feel like that when you’re trying to climb out of bed in the morning – that’s when you really understand the value of sleep. Yet so many people wake up tired every morning and never change their routine.

That’s not you though. You’re smarter than that.

You read trendy articles about sleeping yourself to success.

We’re talking about actual sleep here. Not the other kind of “sleeping” your way to success. Get your mind out of the gutter! I’m going to explain the importance of sleep, and mostly, how to do it well.

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8 Online Tools For Business Writers

8 Online Tools For Business Writers

If you run a business, you wear many hats. You might be in charge of everything from invoicing to marketing and financial planning. One of your tasks is writing. You need to create material for your website, blogs or articles to showcase your knowledge within your industry, and letters to potential clients. If improving your writing skills is the last thing on your mind, these online tools can offer some helpful support.

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How to Learn From Everything and Everyone

How to Learn From Everything and Everyone

Have you ever heard the saying “you either win or you learn?”

Or the popular “you have to fail forward”?

I’m sure you understand the idea of using situations, good and bad, as learning experiences, but that’s easier said than done, right?

It’s easy to talk about learning in every situation, but when you’re upset, angry or disappointed, it doesn’t seem so easy.

It starts with your perspective. Here’s how to learn from everything and everyone…

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How to Start Meditating

How to Start Meditating

Meditation has been around for centuries, and yet, it can still be a controversial topic.

Most of the people who recommend meditating start by saying something like “I know you think this is some sort of eastern ritual” or “you might think you have to be Buddhist to meditate”.

I admit, it does carry that connotation, or at least it used to. I’ll spare you. I’m going to assume you’re wanting to implement meditation as a self-improvement tactic, or as a way to clear your mind and increase your focus.

That being said, here’s a guide to meditation for the average person who wants more clarity and a clear mind…

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Reading: You’re Doing it Wrong

Reading: You’re Doing it Wrong

We could all read more to improve our lives.

It seems like, no matter how many books we want to read, we always feel like we don’t read enough.

Sure, we may get lost in fiction books, and that’s great (I’ve actually been reading a lot more fiction lately), but as far as reading books on the areas of our life that we want to improve, we’re often lacking.

Here’s the thing, reading more may not be the answer. There’s a better way, that actually works…

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What 2015 Taught Me and What 2016 Looks Like for MoneyMiniBlog

What 2015 Taught Me and What 2016 Looks Like for MoneyMiniBlog

Welcome to 2016!

I purposely waited until today to publish this to show how unimportant any specific date is. I’m not completely against setting a resolution at the beginning of the year, as long as you don’t get expect the changing of years to be some sort of miraculous time of new beginnings.

January 1st really is just another day.

I get it, new year, new you. And that’s great, but too often we set lofty resolutions, and then get completely discouraged when we don’t perfectly act out our new goals. Then, a month after the resolution is set, it’s abandoned. But it shouldn’t be like that.

We all fail. All the time. And that’s great.

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How To Get Work Done While Traveling

How To Get Work Done While Traveling

Traveling for business or pleasure can mean a lot of wasted time, especially if you are flying. There is waiting for the plane, being on the plane, waiting for luggage and then spending time at the hotel after the whole ordeal.

That “wasted time” is actually very valuable, and you can make yourself more productive with these tips. That way, when you get back to work, you won’t find yourself way behind.

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10 Tools to Be a Productive Student and Fight Procrastination

10 Tools to Be a Productive Student and Fight Procrastination

Fighting procrastination is not only important for your studies.

You are going to be distracted throughout your life.

Marketing companies spend their working week finding new ways to distract you.

Here are a few productivity apps that will help you right now in the moment, and they will help you get into the habit of fighting procrastination.

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How to Dominate Your Day Before Breakfast [5am Miracle Book Review]

How to Dominate Your Day Before Breakfast [5am Miracle Book Review]

“Dominate your day before breakfast” may sound intimidating, but it’s really not.

That’s been Jeff Sanders’ motto for his podcast, and now for his book.

The idea is that you can accomplish a lot with little effort, if you change a few habits.

I’ve been listening to Jeff’s show, The 5AM Miracle podcast, for a few years now. It made my top podcasts list and it continues to be one of the only podcasts that I listen to every time a new episode is available.

Jeff finally (I’ve been waiting!) put his expertise into words and released a book…an extremely awesome, useful, direct, practical and applicable book, if I do say so myself…and I do.

Here’s some insight into his book, The 5AM Miracle…

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7 Everyday Habits You Need to Reach Your Financial Goals

7 Everyday Habits You Need to Reach Your Financial Goals

According to Professor Robert Mooradian of Northeastern University,

millions of Americans are dealing with the emotionally and physically taxing consequences of debt every year. We all want to make our financial goals, like getting out of debt, a reality, but few ever make it without changing their everyday habits.

Before we get into the list of habits that will change your financial goals and eventually your life, we need to get two basic concepts down:

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The Power (and the Myths) of Written Goals

The Power (and the Myths) of Written Goals

If you’ve read some books on goal setting, you’ve probably read that only 3% of the population have written goals.

That statistic is often followed by something like “it doesn’t matter if this is true or not, the point is very few people write down their goals.” There is a need for that justification.

This “3%” comes from a study at Yale University in 1953.

The story goes, a Yale University class set goals. 3% of the class wrote them down, while the other 97% didn’t. Twenty years later, the researchers checked in on the classmates to find that the 3% with written goals had more wealth than the other 97% combined.

What an interesting study…the only issue is that it never actually happened.

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How to Budget Your Time Like Your Money

How to Budget Your Time Like Your Money

You budget your money because it’s important to keep track of it.

You know the importance of tracking. You’ve seen how a dollar here and there can really add up.

What about your most important asset? Your time. It’s not replaceable like money. When it’s gone, it’s gone.

Do you know where your time is going as well as you know where your money is going? You’re about to.

Here’s how to budget your time like you budget your money…

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3 Simple Practices to Keep Email From Stealing Your Time

3 Simple Practices to Keep Email From Stealing Your Time

Email can steal more time than almost anything else.

When you’re going through email, you’re on someone else’s agenda. You’re responding to their needs.

Sure, you wouldn’t be doing it if you didn’t get something out of it, but most of the emails you send are answers to other people’s questions, and responses to their needs. Even if you’re sending a decline, that still takes time.

I’ve written about email hacks before. I shared some important tips, so let’s do a quick summary and then get into three more tips that I’ve developed to stay in control of my inbox…

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The Junk Snowball: A Simple Decluttering Method That Actually Works

The Junk Snowball: A Simple Decluttering Method That Actually Works

Stuff. It’s everywhere.

You have stuff you don’t use or need, and even stuff you forget you have.

Most of us have so much stuff that going through our garage is like shopping at a thrift store. All of the “oh yeah, I forgot about that!” and the “when did we buy this?”…you may even find that you’ve bought stuff that you didn’t even realize you already had.

The point is, you need to get rid of some stuff. Sell, donate, trash, or whatever…you need to declutter. That’s why you’re here.

Here’s a great method I’ve been using to get rid of 323 items over the last couple months…

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