4 Ways to Be More Productive (For the Next 20 Minutes)

4 Ways to Be More Productive (For the Next 20 Minutes)

Whether it’s living up to our potential, crushing our to-do list, or just trying to be our best selves, we all want to be more productive. But the idea of productivity can become a pit of guilt and self-recrimination.

There will always be more to do: more work, more steps toward our personal ambitions. You can stress yourself out for the sake of “being more productive,” while losing sight of what that really means.

So for the moment, forget being way more productive in the far future. How can you be a little more productive right now?

20 Tips to Get Your Finances in Order in Your 20s

20 Tips to Get Your Finances in Order in Your 20s

Your twenties are an important time for a lot of reasons. It’s usually when you’re finishing college and stepping into adulthood. It’s also when you start to build the foundation for your relationship with money.

When you hear stories of people who’ve ruined their credit or are drowning in debt, you’ll usually find that it started in their twenties. On the flip side, the people that end up doing well later on in life had a good foundation to start off on, and it carried on with them for decades.

So how do you avoid ruining your finances early on in life? Follow these 20 tips to get your finances in order in your twenties!

6 Questions You Need to Ask Before You Update Business Equipment

6 Questions You Need to Ask Before You Update Business Equipment

Naturally, you have ambitious goals for your business as the year unfolds. Depending on the industry you’re in—retail, restaurant, salon, auto repair, etc.—your business equipment may play an essential role in your productivity and profitability. In this case, is the equipment that runs your business up to the task?

When should you consider taking out business loans for inventory and when should you make do with what you’re using right now? In addition, once you’ve got the funding, should you buy brand new equipment or consider using thrift-savvy techniques like repairing equipment, buying used equipment or buying refurbished equipment?

The best way to answer these and other questions you might have about equipment is to get a big picture perspective of your situation. Once you can analyze your current equipment needs, you’ll know what to do to fulfill them.

With that in mind, let’s review 6 questions you can ask to stimulate new ideas and a better understanding of your current equipment inventory.

3 Quick Ways to Save Smaller Amounts That Add Up Over Time

3 Quick Ways to Save Smaller Amounts That Add Up Over Time

Many of us want to attack the idea of being frugal by saving large sums of money – but trying to save too big an amount too quickly can backfire. That’s because you may need to cut back in every aspect of your life, and this could affect your well-being.

Imagine living without an air conditioner in the extreme summer heat when you’re trying to reduce the electricity bill or not being able to eat at your favorite restaurant when you’re trying to save money on food. There’s disaster written all over it.

Don’t get me wrong, saving a big sum of money is good, but you’re more likely to avoid getting stuck in a rut if you make a series of small savings that add up over time. With the tips mentioned below, you’ll see a decent figure on your bank statement at the end of the year, without feeling like you have had to sacrifice your lifestyle to achieve this feat.

Why You Shouldn’t Make House Purchases Based on Emotions

Why You Shouldn’t Make House Purchases Based on Emotions

Buying a house can be an incredibly exciting experience, one that can send people running around all over the place trying to figure out just how exactly to find the residence of their dreams. However, just because a house is a big investment does not mean that it is impossible to understand just what you need in order to make the best choice possible for yourself and for others.

If you are going to put a large amount of money down on a property, then you might as well make absolutely sure that you are going to get the one that will serve your needs perfectly, not just in the current period of time, but for many more years far into the future.

In this post, we will discuss a very important question that you can ask yourself in order to determine whether you are making the best decision possible, or if you might be setting yourself up for financial failure down the line.

4 Smart Ways to Increase Your Creativity as a Freelance Writer

4 Smart Ways to Increase Your Creativity as a Freelance Writer

Are you a freelance writer?

Or are you dreaming of becoming one?

Being your own boss and building a small business might be easier than you think. You just need to be creative!

But don’t be too excited about it, there are a few helpful writing tips you still need to learn about putting up the best creativity in your freelance job or career.

How “Debt-Shaming” Can Prevent Debt Relief

How “Debt-Shaming” Can Prevent Debt Relief

Americans are in a lot of debt.

Between credit card debt, the rise of student loans, and the ever-in-flux real estate market, it’s harder and harder for people to live without some form of debt.

Exact figures are hard to come by, as credit card debt, also known as “revolving” debt and consumer debt, is measured separately from debt like student loans and mortgages.

That makes sense, as they are very different, but that separation often disappears when financial advice is given.

Essential Information for First-Time Homebuyers

Essential Information for First-Time Homebuyers

First-time homebuyers struggle with the process because it’s overwhelming.

There’s a lot to contend with: mountains of paperwork, mortgage rates, the down payment, and the list goes on.

The last thing a new homebuyer needs is to lock themselves into a lifelong commitment that ultimately winds up being the wrong decision.

With more than 880,000 homes in foreclosure, that’s a very real possibility.

The secret to ensuring your dream home doesn’t become a nightmare purchase is to put together a solid plan; this is the essential information you need to know, so your experience of buying a home is a positive one.

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