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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
No Credit Card? No Problem!

No Credit Card? No Problem!

Few things strike fear into the heart of savvy consumers quite like the words “major purchase.” The phrase immediately fills their minds with images of unending payoff plans, piled-up interest, and hair-trigger late fees. It’s more than enough to scare some people away from buying things that they really need.

Of course, much of this concern is rooted in the incorrect assumption that every major purchase has to go on a credit card. The fact is that there are lots of ways to cover the cost. Here’s a quick list of ideas to keep the major purchase from being a major pain:

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The Best Loan Options for a Bad Credit Rating

The Best Loan Options for a Bad Credit Rating

If you have recently had an application for credit turned down you might be feeling a sense of hopelessness. Being rejected for credit can be a major blow if you were planning to replace a car, take a holiday or make some home improvements. If you are already struggling to keep up with other credit commitments because of high interest rates and wanted to consolidate these debts, a rejection for a consolidation loan can feel like a major setback.

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How to Choose a Credit Counselor If You Need One

How to Choose a Credit Counselor If You Need One

Living under the burden of debts is not exactly the life any individual wishes for. Day in and day out you have to toil hard and meet your ends as well as get out of debt. This kind of life can invite severe repercussions financially, physically as well as psychologically. So it is imperative that you might consider a credit counseling firm. In this article, we shall be illustrating the basic definition and purpose of credit counseling as well as put light on the process itself.

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Top 6 Ways to Save Money for a Down-Payment

Top 6 Ways to Save Money for a Down-Payment

Four bedrooms with a large backyard and a white picket fence. For most people, this is an American dream that they cannot wait to attain. But turning that dream of homeownership into a reality can take a lot of grit and determination in this day and age. Considering that a traditional mortgage requires a 20 percent down-payment and that the average price for a single-family home sold in 2014 was $345,800 according to the US Census Bureau, you would have find a way to save a whopping $69,160 (not to mention additional closing costs) before you would be able to sign on the dotted line. So how is it that 437,000 people were able to do that? We at Modernize have a few tips to help you reach your goal without having to give up everything.

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How To Be A Savvier Saver

How To Be A Savvier Saver

Saving is something we all know we should do but is far easier said than done. It seems simple, save a little each month for a rainy day but far too often our month outlasts our money and there is not much to put aside. It is always tough to break your bad spending habits and be more ‘sensible’ with your hard earned money but here are some tips that will help you make the change.

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Insurance for DUI: How to Help Your Agent See You’ve Grown

Insurance for DUI: How to Help Your Agent See You’ve Grown

If you’ve had the unfortunate experience of a DUI conviction, you might be wondering if there’s anything you can do to lessen the impact it has on your auto insurance rates. There are some steps that you can take if you’d like to make an honest attempt to appeal to your insurance agent, but first, it’s important to educate yourself on the reality and magnitude of the situation you are in.

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How to Lower Car Insurance Rates for Young Drivers

How to Lower Car Insurance Rates for Young Drivers

The importance of insurance for young drivers cannot be stressed enough. However, automotive insurance companies are not very keen on insuring young drivers because they do not wish to take on the high level of risk associated with them. If we look at past insurance trends, we find that young drivers tend to make up the biggest chunk of claims. They tend to get into accidents more often than old or experienced drivers as a result of over-speeding and reckless driving. This explains the reluctance of insurance agencies towards covering young drivers.

However, since automotive insurance is extremely important, it is not wise for young drivers to stay uninsured. Young drivers are typically charged very high premium rates, but there are certain ways that this cost could be brought down.

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How to Sell an Occupied Rental Property

How to Sell an Occupied Rental Property

The best way to sell a rental property is to let the lease expire and put a vacant home on the market. This option avoids many potential difficulties, but is not ideal from a financial standpoint, since an empty rental brings no income and still has expenses.

Whether your renters are difficult or dream tenants, if they are under a lease when you are ready to sell your property, it poses a few challenges. That said, it’s not anything that can’t be overcome with some effort and know-how.

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How to Check Your Home Loan Eligibility

How to Check Your Home Loan Eligibility

Are you tired of paying rent and listening to the demands of a stubborn landlord? How about buying your own house?

Living in their own house is what most people look forward to from an early age. However, buying a place with only your savings may not be the safest bet. You could end up with too little money to finance your other requirements.

That’s where home loans can rescue you. You can borrow the required amount from a financial institution and pay it off in EMIs over a fixed tenure.

Before applying home loan it is important to look at the eligibility criteria in order to know if you qualify for a loan. Here is a list of the most significant factors that banks take into consideration when giving out home loans.

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What Does an Average Person’s Wallet Look Like in 2016?

What Does an Average Person’s Wallet Look Like in 2016?

There are many different types of wallets in today’s world. We are seeing a move towards less actual physical items, including even an actual wallet, into a digital wallet. Like Apple & Android Pay, as well as, being able to load all your credit & debit cards onto one single card, the wallet is becoming more and more obsolete. However, until then, we can still see many nice leather wallets full of many traditional items, with the addition of newer items as well!

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What You Should Know Before Posting Your Home on Airbnb

What You Should Know Before Posting Your Home on Airbnb

Airbnb is the personal accommodations website that’s taking the overnight guest industry by storm. If you’re considering posting your home or personal property on the website to make a supplementary income, you’re not alone. People across the world have taken note and put their homes up for grabs, but this route is not without its caveats and risks. Before you take the plunge, consider the risks and rewards that come along with this venture.

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To Trust or Not to Trust Life Insurance

To Trust or Not to Trust Life Insurance

NOTE: This article is direct towards UK readers, so much of the information may not apply to US readers.

There are many good reasons to take out life assurance to ensure the financial security of your loved ones after your death. Most of these reasons centre around the provision of a lump sum that can be used by your surviving family for:

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4 Ways to Use Your Tax Refund

4 Ways to Use Your Tax Refund

As the notorious April 15th tax filing deadline looms closer, you might want to take the opportunity to figure out how you will choose to maximize your tax refund. You certainly have a wealth of options – including a nice splurge – but there are some options that you might want to take that will repay you for years to come.

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5 Things You Should Do in Your 20s to Be a Millionaire in Your 30s

5 Things You Should Do in Your 20s to Be a Millionaire in Your 30s

To become a millionaire by your 30s is possible, and you do not need to invent a new generation of Facebook or Snapchat, or win the lottery’s grand prize. Many ordinary people did that just with their strength of will and hard working!

To help you reach that incredible seven figure number today we are going to give you five tips, actually tried of by people who became millionaires at a young age. However, we can’t guarantee that you will indeed become rich if you follow these tips, but they certainly won’t reduce odds of that happening either.

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Latest Productivity Articles
Here’s Why Patience is the Key to Success

Here’s Why Patience is the Key to Success

In a world where literally everything we could want as consumers is at our fingertips, it’s difficult not to expect instant gratification.

At the touch of a button we immediately receive all sorts of things.

But the problem with all of this ‘on demand’ availability is that we are evolving into a race that acts with expectation, rather than taking the time to nurture ourselves as responsible human beings.

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Here’s Why You Should Embrace Failure

Here’s Why You Should Embrace Failure

Everywhere you look these days, people’s achievements are being celebrated, whether it be in the papers, among our family and friends, or on social media.

And why not? Success is a wonderful thing and worthy of celebration, but so to is failure.

OK, so hear me out on this one. Failure gets a bad rap and most of us go to great lengths to avoid messing up.

But here is the thing: we are all going to fail at some point — whether it be a succession of small errors or one monumental disaster.

The sooner we embrace failure as inevitable and arm ourselves with a few tricks to handle it, the better off we will be.

Here are four good reasons to celebrate failure:

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This Quick Weekly Review Can Give You 10 Extra Hours Each Week

This Quick Weekly Review Can Give You 10 Extra Hours Each Week

The idea of a weekly review was first made popular by David Allen.

He suggests that you cut out a block of time each week to review the previous week, and an additional block of time to plan the upcoming week.

I’ve learned a lot from his methods and I incorporate much of his teachings in my processes.

But the fact is, you don’t want a weekly review that takes several hours to complete. Because you won’t do it.

Here’s a quick weekly review that doesn’t take all day, and will save you countless hours throughout the week…

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11 Habits That Will Give You A Complete and Successful Life

11 Habits That Will Give You A Complete and Successful Life

I love to study successful people and I don’t just mean the financially successful. I’m talking about the people who are successful in their internal and external world. These are the people who live with inner-peace and outer-joy and fulfilment.

I’ve learned that success leaves clues. As long as you’re following the path of those who have achieved what you’re after, you will start picking up what it took them to get to where they are.

In this post, you will learn 11 different habits that I’ve learned and observed from people make the most out of life and the best part; you can model these habits into your life and live a more complete and successful life.

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50 Productivity Tips to Boost Your Brainpower [Infographic]

50 Productivity Tips to Boost Your Brainpower [Infographic]

How many productivity tips have you read in your life?

I know I lost count years ago, but I’m always interested to learn more.

A good productivity tip is easy to follow and easy to implement. It shouldn’t take 1,000 words to explain.

That’s why this infographic is so awesome. 50 quick productivity tips that you can use. Today. Here it is…

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A Grain of Salt: Everything Isn’t Black and White

A Grain of Salt: Everything Isn’t Black and White

When you see advertising, read books and watch the latest movies, everything can seem pretty black and white.

You see headlines like “You Will Die Tomorrow if You Don’t Start Practicing This One Health Tip” – I may be exaggerating a little, but sadly, not by much.

Everyone has the right answer, don’t they?

Everyone can tell you the best diet and why the others are faulty. The same goes for exercise, and your finances.

It’s in our nature as human beings to think we’re right. Plus, article titles like the one above get a lot of clicks.

But here’s the truth about the information out there…

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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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