Cash or credit? What do you use?
I’m a fan of Dave Ramsey, but I don’t think everyone has to be stuck using only cash.
I’m a fan of credit card rewards, but I don’t think everyone is responsible enough to use them.
So how do you really decide whether to purely use cash or whether to get some credit card rewards?
Here’s how you can decide for yourself…
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…
How much tax do you pay?
In America, it’s typical to pay about 50% if you include your income tax and all the sales tax you pay.
Of course, some people pay more, others pay less. Those in poverty often pay little to no income tax, while many rich people evade taxes through legal loopholes in the system. Therefore, the middle class is often left with the bill.
I’m not complaining, that’s just how it goes.
As a middle class American, you may be surprised to find out that you still pay less tax than much of the world.
See how you stack up in this infographic…
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…
We all know that discipline is about small habits, practiced consistently, over time.
So what’s the problem? Why is discipline hard?
Because, while those small habits are super easy to do, it’s just as easy to not to do them.
These small habits will help you reach huge goals, but…”there’s always tomorrow”…”I’ll start on Monday”…you know how it goes.
Sure it’s easy to not do it, but you’re about to have a plan. A plan of discipline that you’re going to stick with. So we’re done talking about not doing – it’s time to talk about doing.
The rich keep getting richer, and the poor keep getting poorer. Right?
You’ve heard that a thousand times. It’s not fair, is it? Some people just can’t get a break.
Well, that may be true, but it’s not that simple.
So why are some people rich and others poor? Why do some poor become rich, while some families stay poor for generations?
We all know that positive language provides better results than negative language, but we may be using negative language without realizing it.
As Zig Ziglar says “negative people call it an alarm clock, positive people call in an opportunity clock”. Corny? Sure, but it’s also true that your words can define your habits.
Let’s take a look into some language that you may not realize is holding you back, and how to change it…
Productivity starts with one thing: your energy.
If you don’t have energy, you’re not going to get much done.
Sleep is important. Exercise is important. But a poor diet can ruin your energy levels, no matter your sleep schedule or your exercise routine.
That’s why it’s important to make sure we are putting the proper fuel into our bodies.
Here is exactly what you should eat if you want more energy…