The word “budget” sparks many different emotions.
Some people swear by their budget. Some people swear at their budget. And others swear they had a budget, though they can’t seem to remember exactly what’s in it or where it’s at.
You used to be hard-pressed to find a finance book that didn’t recommend budgeting, but things have changed.
Several finance teachers, like Ramit Sethi and David Chilton, have started to move away from the “everyone needs a budget” mindset, and for good reason. They focus more on big savings and less on fewer lattes.
Today, I’m going to show you both sides.
Here’s why I swear by my budget, and why you don’t need one to be financially successful.
The Legitimate Guide to Make Money Blogging If You’re Willing to Work (From Getting Started to Getting Paid)
This guide is for the average person who wants to start a blog and understands that, though it’s easy to start a blog, turning a blog into a money-making machine or even just a full-time income isn’t always easy, but it is doable and highly rewarding.
If you’re willing to put in the time and effort to make your blog successful, this guide is for you.
If you’re looking to make a quick buck, and you aren’t interested in helping anyone, this guide is not for you.
If this is for you, then check out this complete guide that shows you how to start a blog, get traffic, and make money.
We’ve all been there.
A dinner party at work. A meet and greet at church. An “open house” at school.
Events that should be easy, but we end up making them awkward and uncomfortable.
The good news is that you’re not alone. We’re all awkward! Some more than others, of course.
Let me explain 6 things I’ve done to build confidence and reduce some of the awkward social stress.
Have you seen Tai Lopez in the YouTube videos?
His ad pops up on every YouTube video, or so it seems. He’s usually standing by a mansion.
His latest video starts with him saying “Hey, I’m here in my backyard. People are always asking me for a tour of my house…”
I’m sure you’ve seen it. Everyone has seen it. Unless you have ad block. So is this guy for real?
I’m going to give my take on that, show you some evidence, show you exactly what Tai does and what you’ll get when you buy his product, and how to get most of what he sells for free.
Do you have goals? Like real, written, actionable goals? Most people don’t.
But I’m sure you do. Because you want to get the most out of your life.
But what if I told you that goals aren’t as important as every self-help book says they are?
What if I told you that habits are the foundation to success?
Goals and habits actually work together, but goals are nothing without habits.
I don’t like to have a hundred different apps on my phone.
The more I have, the less benefit I get from the ones I do have.
For me, the 80/20 rule definitely applies to the apps I use on a daily basis.
I’m using [actually less than] 20% of my apps for 80% of my productivity. And here they are.
Benjamin Franklin was widely known for his practices and habits…specifically: his virtues.
He was a lifehacker before it was cool.
He believed in living a fulfilling and productive life, which is what brought him to these 13 virtues.
I’ll go over each one and show you how to apply them to your life to increase your productivity.
I’ve always promoted the idea of starting small when creating new habits.
We all know that we can’t start a new workout routine by running 10 miles a day. That’s obvious. But even if you aren’t starting that big, you may be starting too big.
It’s usually not starting way too big that messes us up, it starting just a little bigger than we should have. Just big enough to stop the habit after a few days, weeks or months.
This is where tiny habits come in.
Bj Fogg, PhD, has started a habit revolution with tiny habits. And people are accomplishing amazing things by implementing them.
I’m going to show you how they work and how you can start implementing tiny habits today. Right now, actually…
Have you ever felt that sinking feeling when you find out you need to spend money on a home or car repair that you weren’t prepared for?
You knew it was coming; hindsight is always 20/20, and you end up beating yourself up for not planning it out sooner.
If you don’t have an emergency fund in place, that sinking feeling is all too familiar.
Financial experts say you need an emergency fund worth 3-8 months of living expenses (to cover you during a layoff or career change).
Other experts say having at least $1000 on hand for real emergencies is the minimum you should have on hand for life’s surprises.
There is a way to prevent that sinking feeling next time you get hit with life’s unexpected/expected expense events (say that 5 times fast).
I love to study successful people and I don’t just mean the financially successful. I’m talking about the people who are successful in their internal and external world. These are the people who live with inner-peace and outer-joy and fulfilment.
I’ve learned that success leaves clues. As long as you’re following the path of those who have achieved what you’re after, you will start picking up what it took them to get to where they are.
In this post, you will learn 11 different habits that I’ve learned and observed from people make the most out of life and the best part; you can model these habits into your life and live a more complete and successful life.
Consumerism has turned into an addiction.
As a society, we are addicted to consumption. We consume products, food, things…at an alarming rate.
I’m starting this “Understanding Series” with consumerism for a reason. I’m going to go in-depth with every area of your finances throughout this series, but it all starts right here.
If you don’t understand consumerism and how to get out of the trap, you will lack in every other area of your finances.
Here it is: how to set yourself apart from the average consumer. How to be a savvy consumer…
Have you ever heard the saying “you either win or you learn?”
Or the popular “you have to fail forward”?
I’m sure you understand the idea of using situations, good and bad, as learning experiences, but that’s easier said than done, right?
It’s easy to talk about learning in every situation, but when you’re upset, angry or disappointed, it doesn’t seem so easy.
It starts with your perspective. Here’s how to learn from everything and everyone…
Meditation has been around for centuries, and yet, it can still be a controversial topic.
Most of the people who recommend meditating start by saying something like “I know you think this is some sort of eastern ritual” or “you might think you have to be Buddhist to meditate”.
I admit, it does carry that connotation, or at least it used to. I’ll spare you. I’m going to assume you’re wanting to implement meditation as a self-improvement tactic, or as a way to clear your mind and increase your focus.
That being said, here’s a guide to meditation for the average person who wants more clarity and a clear mind…
Budgeting is weird, because almost every financial guru recommends doing it, and almost everyone who tries to do it struggles with it.
The truth is, there are a lot of things left unsaid when it comes to budgeting.
There’s a reason it doesn’t work…or doesn’t seem to work.
I’m going to explain how to actually budget effectively and cover some unanswered questions.
This is going to be extremely straight-forward.
I’m going to give you each step to get your finances in order.
At the end of one hour, you’re going to have a complete overview of your financial situation and be setting goals.