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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.

5 Steps to Take in Your 30s to Plan for Retirement

It is never early to start saving for retirement. In fact, if you started saving in your early 20s, putting aside less than a car payment each month could turn you into a millionaire by the time you retire. It really is easy. Let’s look at five steps that you can take in your 30s (or even your 20s or 40s) to make your retirement dreams a reality:

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:

20 Apps to Be More Productive at Home [Infographic]

I love apps. I don’t use 100, I just use a few that work really well.

I always try to consolidate. If I can find one app to do the work of two, I’m sold.

This infographic shows 20 of the best apps out there…

5 Reasons Your Life (and Your Finances) Benefit From Cycling

Cycling, or biking, has many benefits, some of which you may not initially realize. For starters, it offers great exercise, which means it can improve your health and quality of life, provided you bike consistently.

However, it’s not only your health that can benefit: most things in your life can benefit from cycling. When you think of it that way, it’s no surprise that the United States has seen a growth of 62 percent in bicycle-riding commuters since 2000.

You’re probably wondering how cycling could have such an impact on the world at large. We’re going to take a look at some ways in which your life would benefit if you took up cycling to commute to and from local places.

5 Smart Financial Moves for New Parents

The addition of another family member brings new personal and financial realities into focus and as you embark on this life-long journey, having your finances well managed and your financial investment well planned will be assurance for the present and a foundation of confidence for the future…

7 Websites That Will Pay You to Write

“You’re a writer? How do you make money?” “Don’t you need a real job?” “How do you pay your bills?”

Writers have heard it all before. Everybody wants to read the newspaper, online articles, blogs, and books. But when you tell someone you want to write those things, they look at you like you’re crazy. It’s easy to understand why.

Writing seems like a romantic notion, but so many people seem to fail. Perhaps it’s because those people don’t know how to get started. There are so many places online just waiting for you to sign up as a writer. You can write blog posts, articles, or stories. You can become a freelance copywriter or ghostwriter. You can edit or proofread. And that’s just to tip of the iceberg.

If you’re new to writing and can’t quite find an audience, or if you dream of quitting your job to become a writer, then fear not! You can absolutely make it happen. This list will give you a place to start.

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…

4 Common Financial Mistakes that Millennials Make

In 2015, the millennial generation is 18 years old at its youngest and 34 at its oldest. More than one-in-three American workers today are millennials and are now the largest portion of our workforce according to the Census Bureau.

For many of us, leaving home, starting college, or being a twenty-something is a time to enjoy being young and learning our independence. Even the older millennials can relate to making some mistakes during that transition.

As young adults trying to navigate through this new area of life, there are some financial blunders that are common for our generation that we should work to avoid.

7 Money Saving Tips for the Upcoming Holidays

The holiday season is almost upon us, and with the arrival of celebratory occasions comes the added stress of spending more money than usual. Make sure your holidays are affordable this year and use these money-saving tips.

4 Tips to Avoid Student Loan Scams

The promise of a college degree is enticing. It’s a sure way to advance your career and gain more knowledge while expanding your network. But college degrees get more expensive each year making the thought of being a college graduate out of reach for many.

Potential college-goers are easy prey for scammers who offer attractive loans and scholarships that make the college dream seem affordable. With more sophisticated means of taking your money under the guise of offering student loans, you need to be smart about who you give information to and what you agree to in your loan search.

Student borrowers are also subjected to scammers who promise to eliminate student loan debt. Some companies engage in deceptive marketing practices and illegally charge customers hundreds of dollars to reduce or eliminate their debt.

A typical scam follows a pattern like this…

6 Things You Should Be Doing to Keep Your Home-Based Business Running Smoothly

Leaving behind the 9 to 5 and starting a home-based business is a dream for many Americans today.

No need for the power tripping boss breathing down your neck, get the pay you deserve, and still manage to have time for your family makes perfect sense.

While working at home can bring forth a lot of the rewards as described above, you will have to work daily towards making your company a success.

Below are some things you should be doing to help run your home based business more effectively:

The Productivity Diet: What to Eat to Get More Done [Infographic]

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…

10 Things You Need to Know About Identity Theft

Identity theft is a risk that you face on a daily basis provided that you own a credit card and do business online. Every time you purchase an item online, you expose yourself to this menace. Today, identity theft has been identified as one of the fastest growing crimes in the world and the numbers keep on growing almost on a daily basis. We are all experts when it comes to identity theft not by choice but circumstances. Truth is told, with identity theft, the odds are that: you, your friend or your family member has been a victim of the same.

5 Common Financial Emergencies That Can Appear Without Warning

Financial experts advise that an individual have enough money to pay for several months worth of expenses if a financial emergency strikes.

In addition, it may be worthwhile to have a credit card or other funding source handy if such a situation occurs.

This is because an unexpected expense can occur at any time whether you are ready for it or not.

See what the most common emergencies are and protect yourself from them…