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Recent Money

3.2 Tax-Free Ways to Invest for College

3.2 Tax-Free Ways to Invest for College

Should you save for your children’s education?

A better question is “should you invest for your children’s education?”

There is a simple cut and dry answer here…it depends…it’s really up to you.

Did I say cut and dry? Forgive me.

You are not obligated to pay for their college. It’s not your responsibility as a parent.

However, it is nice to be able to help them out. Here are the best ways to do it…

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Plan Your Finances Like a Game of Chess and Win the Retirement Game

Plan Your Finances Like a Game of Chess and Win the Retirement Game

Some people are planners and some aren’t.

Which are you?

Chess players are counted among the world’s greatest planners as they not only have to think many moves ahead, but have to come up with alternative plans if their opponent doesn’t move as anticipated.

This advance planning is similar to the strategic thinking needed in order to stay ahead when the financial markets don’t behave the way you hope they would.

Even if you’re not a chess player, chess can teach valuable financial lessons and help you become the grandmaster of your money…

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What a Millionaire Farmer Taught Me About Money

What a Millionaire Farmer Taught Me About Money

I have a friend who owns a farm in Missouri.

Actually, he owns a whole bunch of farms. Thousands of acres.

We will call him Gary. Because that’s his name.

Gary has taught me so much about money.

Some intentional, but some of most valuable lessons were things that he wasn’t actually trying to teach me.

Here is what I have learned from Gary and how we can all apply it…

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4 Common Mistakes That Investors Make

4 Common Mistakes That Investors Make

Investing is not a science: it is not possible to put your portfolio on autopilot and just watch your money grow, Grow, GROW.

There is no one fixed, guaranteed path that leads to investment success.

However, there are certain paths that will lead to guaranteed failure.

Before you know what to do, you must first know what NOT to do.

I’m going to go over 4 common mistakes the investors make…

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Recent Reviews

Goodbudget Review – The Best Envelope Budgeting App for 2014

Goodbudget Review – The Best Envelope Budgeting App for 2014

I am a huge fan of the envelope budgeting system.

I think it’s a great way to stay organized and keep your budget simple.

I have written several articles on budgeting.

I have even written on how to live without a budget.

Now it’s time that I show you what I personally use for budgeting.

I use Goodbudget (formerly EEBA). This is a website and a smart phone app. A digital envelope budgeting system.

There is a free and a paid version.

Let’s take a look at what Goodbudget has to offer…

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Bountiful Baskets Review – Save Money and Eat Healthier With This Food Co-Op

Bountiful Baskets Review – Save Money and Eat Healthier With This Food Co-Op

My wife recently stumbled upon a great way to save money on produce.

Bountiful Baskets Food Co-Op.

This is a volunteer driven operation that allows you to get fruits, vegetables, bread and more for great prices.

There are no employees, only volunteers! So you get rock bottom prices.

Volunteers organize the food pick-up sites and more volunteers help the site organizers sort the food.

So let me explain a little more about what Bountiful Baskets is…

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Recent Productivity

How to Effectively Use Caffeine to Boost Your Productivity

How to Effectively Use Caffeine to Boost Your Productivity

​Do you drink coffee everyday?

If you’re over 18, you probably do. Statistically.

Over 50% over Americans (over the age of 18) consume coffee on a daily basis.

You may be the kind of person who gets cranky when you don’t have your coffee, or you may be able to go without it.

Either way, if you drink it everyday, you are sabotaging yourself from the benefits you could be getting from that age-old energy booster known as caffeine.

Here’s how you should be doing it…

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How to Create Good Habits (And Stick With Them)

How to Create Good Habits (And Stick With Them)

​​We all have our habits. Positive and negative.

Habits are like compound interest. They can be our best friend or our worst enemy.

So, how do you create positive habits?

How do you get them to actually stick?

​Here is the most effective way to create and stick with new habits…

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What’s Stealing Your Time? Here’s How to Take Control

What’s Stealing Your Time? Here’s How to Take Control

The average person spends 9 years of their life watching TV.

​That’s just from watching TV a few hours everyday.

But that’s not you, right? I mean, you don’t spend hours and hours in front of the TV.

That’s unproductive and a waste of your time…and you know it.

But what about Facebook? We spend 700 billion minutes on Facebook every month, across the world.

And then considering that we spend 174 billion minutes on YouTube each month, it’s hard to imagine that there is any time left. I think we all remember the first time we logged onto YouTube. Those suggested videos in the sidebar will get you…and keep you…for days.

As you will see in a moment, I used to waste hours everyday without even realizing it.

Here is how I figured out where my time was going and how I took control of it…

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5 Effective Email Hacks to Organize Your Inbox (and Keep it That Way)

5 Effective Email Hacks to Organize Your Inbox (and Keep it That Way)

​​How much time do you spend dealing with email? Too much?

You really don’t have to. Don’t let email steal your time.

There are ways to get organized and decluttered. And there are great tools out there to help you along the way.

Some things you are doing may be completely unnecessary and you can just cut them out all together.

Read on if you’re tired of letting email steal your time…

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Recent Infographics

9 Ways to Be More Productive [Infographic]

9 Ways to Be More Productive [Infographic]

If you’re like me, you are always finding ways to be more productive.

Increasing your productivity is one of the quickest ways to accomplish your goals.

If you want to get better or learn about something new, you will need to “buy some time”.

We all have the same amount of time in a day.

It’s about how we use that time…

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10 Ways to Make Money Without a Job [Infographic]

10 Ways to Make Money Without a Job [Infographic]

Making money without a job.

Yeah, that’s a thing.

It’s actually pretty common.

There are many ways to make money without and job and then there are the ways you always hear about (blogging perhaps…) that don’t seem realistic.

Like anything, it depends on how much time and effort you put into it.

Here are more than 10 different ways to make money without a job…

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What 1% Will Save You on Your Mortgage [Infographic]

What 1% Will Save You on Your Mortgage [Infographic]

Should you refinance your home? Is it worth it?

That depends! But should you look into it? Yes!

It’s amazing what 1% can save you over 10, 20 or 30 years.

This is a sweet infographic that breaks down exactly what 1% could mean for a refinance…

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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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