Budgets aren’t easy. They’re not always easy to create and they sure aren’t easy to stick with.
It takes discipline and persistence. And consistency. And…well, it seems hard, doesn’t it?
That’s because it is…or at least, it can be. Sometimes it feels like there are holes in your budget. Unexplained black holes that suck your money in or areas that you just don’t think about.
Here are 5 areas your budget may be missing…
I usually don’t title articles the way I’ve titled this one.
I don’t like the idea of click-bait articles with titles like “This puppy saved his life and you won’t believe what the man did to repay him” or “She thought it was a normal tater tot, but she was in for the surprise of her life”.
I don’t like to be deceitful, so you won’t see those titles here.
But this is different. I didn’t include the main idea in the article title for a reason.
This is literally one of the most important things you can grasp about your productivity. And because of that, I want you to really take it in. Don’t just blow this off and act like you already knew it.
So what exactly is this one thing?
I love challenges. Especially when there is seemingly no reason to start them.
That’s exactly what my wife and I just did. A challenge.
The challenge? To not spend money for 30 days.
No reason, really. Just for fun. And yes, believe it or not, it actually was fun.
Here are the results…
When you’re reading productivity articles, you don’t want vague ideas, you want actionable steps that you can take to literally increase your productivity today. You want practical, applicable tips.
I’ve tried my best to make this blog full of actionable tips you can apply to every day of your life.
This article may be the most actionable of them all.
Here are 10 of the most important actions you can take right now, today, to increase your productivity by leaps and bounds…
(You can click each point for more on that topic)
A habit isn’t bad or good on its own.
Positive habits are an absolute must for success in your health, finances…basically everything.
But negative habits, or bad habits, can combat your positive habits.
In fact, eliminating negative habits can be much more effective than starting new positive habits and often, it’s easier to break a bad habit than it is to stick with a new good habit.
The truth is, you need good habits in your life, but let’s break the bad ones first…
Americans waste a lot of money, but are we just following in our government’s footsteps?
Either way, we definitely shouldn’t be looking to them for advice. They waste money. A lot of money.
Since we don’t directly control how our government spends money, why not make fun of it? We laugh to keep from crying, right?
How do you become a better writer? You write. There’s no shortcut. You write as much as possible – everyday is best. You write when you don’t feel like it and when do feel like it. Make friends with other writers so you can share your work and get feedback. Writing comes with practice like most things that are worth doing.
The ultimate goal, especially with a blog, is to write how you speak. That’s much easier said than done. You’ve got to write all the time to find your voice in the words. You can even try a speaking program like Dragon NaturallySpeaking Home that will actually type the words as you speak them. Some people prefer to write like this, but the end goal is to be able to write exactly how you speak whether you have a speak-to-write program or not.
Here’s how to become a better writer and actually get paid…
What’s the point of productivity apps, to-do lists and organizational methods?
Why does an article about “10 quick productivity hacks” catch your attention so easily?
The answer is simple: freedom.
We’re all looking for more time and ways to work “smarter, not harder”…and we should be. But you may be missing the first step.
What’s the first step?
Well, if you want more freedom in your life, first you must limit yourself…
Compound interest. The 8th wonder of the world.
Do you know the power of compound interest in its entirety?
It’s the greatest thing in the world…when it’s working for you.
When it’s working against you, it can be one of the most devastating things in the world. A catastrophe, really.
I’m just going to take a minute or two to show you the amazing power of compound interest. Then I’ll let you decide if you would rather it work for you or against you.
Here it is. Compound interest. The good and the bad…
As a military member myself, I’ll be the first to say that most active duty service members have no idea what they’re doing when it comes to their finances.
It’s true that most people in general don’t have a clue, but it almost seems worse in the military.
That being said, when I do meet someone in the military who shares my love of finances, it’s an automatic friendship.
Enter my friend Eric. A retired Army Lieutenant Colonel and now a financial advisor for First Command.
With 20+ years in the service, Eric knows a thing or two about the military and he also knows about money. That’s a rare combination, which is what makes him so interesting.
Here’s what a retired Colonel taught me about money…
We are always trading our time for something. Everything we do is a trade-off.
If you want to be happy, accomplish your goals and live a fulfilled life, you’ll have to stop focusing on what doesn’t matter and start focusing on what does.
How do you do that? You’ve got to take your time back. Start by spending less time on these 5 things…
After months of research, I’ve finally decided to switch MoneyMiniBlog to a new web hosting company.
I was so excited about this company that I had to share how awesome they’ve been.
Whether you’re looking for a web host, already with a web host or even if you don’t have a website yet, you need to see why this company is the best. This is an important change for MoneyMiniBlog. Not only will this site load faster and be more secure, but you won’t ever have to worry about it being down when you visit.
If you have a site or ever plan to have a site, you can save yourself the research and take advantage of all the work I’ve put in to finding the best web host. Here are all the details…
I’m a walking productivity experiment.
I like to try new things and find new ways to increase my productivity. Then I bring you the results and let you decide whether or not to implement these things in your life.
I’ve been doing three new things that have really been working to make my life more productive and actually, all three of these are saving me money too.
These are kind of random, but brilliant and you won’t find these all over the internet like most tips. Here’s what I’ve been doing…
I remember when I didn’t have control of our family’s money. I remember it well…unfortunately. We were $24,000 in consumer debt. We had no emergency fund, no investments and no savings whatsoever. I had used most of my wife’s savings to buy a new drum set (because that’s what responsible husbands do, right?).
My wife had been through Dave Ramsey’s Financial Peace course and honestly, she knew quite a bit more than I knew about money, especially managing it (well, and everything else related to money). She gave her input, but why would I listen? I was in my early 20s and I already had everything figured out. I didn’t need her input – I knew what I was doing. Yeah…
I’m not going to drown you in the tears of my past wrongdoings, but I am going to tell you why you need to take control, what happens if you don’t (from personal experience) and how to take control right now. Yes, today is the day that you will take control of your finances. Today is the day that you will change the course of your financial life. Sounds cheesy, right? Well sometimes the truth comes with a little cheese sprinkled on top, but seriously, you can change your financial future if you start today. Let’s do this…
What does Sam Walton and Colonel Sanders have in common?
They both started from scratch and turned a small business into a multi-million dollar enterprise.
I’m sure you’re familiar with Sam Walton’s Walmart, which is the world’s largest company in revenue, according to the Fortune Global 500. You’re probably also familiar with Harland Sanders, also known as Colonel Sanders, and his giant fast-food chain, Kentucky Fried Chicken. KFC actually ranks 2nd in sales among fast-food restaurants, only trailing behind McDonalds.
Here we have two companies with thousands of stores and millions in sales. Many would consider them among the ranks of other “evil corporations” that under-pay and simultaneously hurt the economy. You don’t have to go far to find an article about Walmart and how unfairly they treat their employees or about how they’re too big for their own (or anyone else’s) good.
So where is the line drawn? At what point do these small start-ups turn from being “just another business” to being corrupt, evil or too dominant?