Nearly half of Americans make New Year’s resolutions, but only 8 percent of us keep our promises, according to a survey by the University of Scranton.
Top reasons (excuses) include lack of money, lack of opportunity and – almost everyone’s sticking point – lack of time.
If you’re determined to realize your goals this year, check out some frugal ways to achieve the top ten resolutions…
One of my biggest woes in life is the money it costs me to keep my car ship-shape.
It seems every time I take it to a workshop, they find things wrong that I never even heard of. Things that end up costing me money I hadn’t planned spend—not now, anyway.
So I figured there had to be a better way to do basic repairs, and save not only the cost of the materials and labor but also the “extra” things mechanics always seem to uncover.
Here are 5 easy at-home car repairs…
Nearly 3 billion coupons are redeemed each year.
And it’s not just for electronics, clothing and household products.
Look hard enough and you can also find discounts on things you never imagined have discounts (or need them).
Here are 12 of the more unusual picks:
We all have our opinions about millionaires and the rich.
I’d like to challenge some of those opinions and show you some things you might not know about millionaires.
It’s not about luck, fancy lifestyles or greed.
It’s about developing a mindset that sets you apart from the rest.
Here are 10 game-changers that you didn’t know about millionaires…
American citizens who live abroad are known to face some rather unpleasant financial surprises when they get back to the US.
While spending responsibly when outside the US, their lack of U.S. credit activity often deprives them of new credit cards or loans being issued to them.
Opening a bank account can also be really tough.
American expats tend to be completely unaware of how they should manage their existing credit cards while they live abroad, and there are few identifiable mistakes they usually make.
Here on some of the mistakes expatriates make when using credit cards…
“I believe in science.” -Esqueleto, Nacho Libre
I’m all about science-backed productivity.
From how habits are formed to the time of day we are most productive, I think science plays a huge role in helping us become more productive.
That’s exactly why I think it’s important to see some actual studies and how they pertain to your productivity…
What is a self-development blueprint?
It’s simply a game plan or a blueprint for improving your life and yourself.
We’re constantly growing and learning. It helps to make a plan. Learning is much more effective when it’s strategic.
Are you reading books, listening to audio and watching videos? Most of us are.
Are they getting you closer to your goals? Let’s start working on your game plan…
If you want to own a home but just can’t seem to get the capital together for a down payment, don’t have the income to carry payments or don’t have the credit history to get the loan, you might consider purchasing it with a friend.
Two incomes are certainly better than one, and you’ll probably have a better chance if you have another strong candidate applying with you.
People buy houses with friends all the time, and while there is nothing inherently bad about it, you should consider a few things before taking the plunge.
I came across 9 thing to make this your most productive week ever.
Who wouldn’t want to make this week the most productive week ever?
Doesn’t that just sound awesome? It’s actionable. It’s applicable.
I wanted to make sure these ideas were all as effective as they sounded.
So I tried this entire list for several weeks and got some awesome results. I included a small note after each number to tell you exactly what I learned about each one.
At a bare minimum, you must try #8. This was an eye opener for me.
Now it’s something I add to my schedule every week…
You may think the key to having more money is earning more money.
But before you get a 2nd job, you should look at your expenses.
What can you cut? What can you eliminate?
In America, we are famous for labeling our “wants” as “needs”.
So, which areas should you be cutting back on?
To start, here are some ideas to save on communication, food, utilities and insurance…
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…
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…
Who doesn’t love shopping on Amazon?
It’s hard to beat the prices, but what if I told you that you can do better?
I’m not talking about shopping somewhere else.
I’m talking about better deals where you already shop. On Amazon.
Here are 9 tools to become a master shopper on Amazon…
Are your student loan payments too much to handle?
Don’t worry, because you’re not alone.
As of December 2012, only 54% (20 million) student loan borrowers, out of 37 million were actively repaying their student loans.
If you’re overwhelmed by your student loans and need to lower your monthly payments, here are 5 student loan repayment programs that can help:
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…