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Browse over 600 articles on money and productivity.

5 Questions to Ask Yourself Before Moving Out on Your Own

So you’ve come to the place in life where you feel it’s time to strike out on your own and to that I say, go for it, I’m all for independence!

However, before you take that momentous leap, take some time to ask yourself these 5 crucial questions just to make sure you’ve covered all your bases:

Weekend Reading: Money And Productivity

Happy Friday everyone!

I’ve been reading all kinds of things.

I’ve read a couple books this week, and over 20 book summaries on Blinkist – I still love that site.

Here’s what I have for you this week.

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

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!

Weekend Reading: Money And Productivity

I made a few changes this week.

I’ve added categories to the bottom. Look down!

I’ve also added related posts after each article, again.

These are all attempts to help you navigate this blog better.

Feel free to share any suggestions in the comments. Here are the money and productivity articles I’ve found for you this week.

6 TED Talks That Will Change the Way You Think About Productivity

I’m a long-time fan of TED talks. In fact this post is kind of a “part 2.”

I wrote 6 TED Talks That Will Change the Way You Think About Money in early 2015.

Ever since I published that, I’ve wanted to post about productivity TED talks. Here it is.

The whole idea of a TED talk is to change your thinking. I’ve watched countless hours of these talks, and the speaker is always attempting to either change your mind, or your mindset. That’s exactly what these speakers do. And that’s a good thing.

These six videos are extremely useful and helpful in changing the way we view productivity.

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

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.

Weekend Reading: Money And Productivity

This post is brought to you by the Black Rifle Coffee Company. Not really.

But I am drinking a cup of BRCC’s “Just Black” right now. And it really is fueling this post.

I finally bought some with the hopes of writing a review in the near future, so stay tuned for that.

In other news, here are some awesome articles I’ve found for you this week. But before that, one more thing…

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.

5 Thoughts That are Secretly Destroying Your Goal Progress

Our life isn’t as logical as we like to think.

You may plan your goals perfectly, but when the time comes for action, it doesn’t work out.

That happens to all of us, because our emotions affect our decisions. We don’t think about that when we set goals.

A 2014 study shows how our emotions affect our logical decisions. So how do you deal with that? You have to make these decisions and set your goals when you’re in a logical state, and then push through when you’re thinking emotionally. Easier said than done.

Don’t worry, I’ve summed up five of the most common emotional thoughts that will destroy your goal progress. Once you acknowledge that these thoughts exist, you can fight them off.

4 Ways I Don’t Make Money Blogging (And 3 Things I Promise to Never Do)

There are probably thousands of ways to make money blogging. And I don’t use most of them.

As a followup to my recent guide on how to make money blogging, I feel that it’s appropriate to tell you how I don’t make money blogging.

I know everyone says this, but I blog because I genuinely want to help people. I love to learn, write and teach, so this is a fitting place for me to be. However, because of that, I don’t make anywhere close to as much money as I could with this blog. And I’m fine with that.

In fact, I’m going to show you several ways I’ve cut my income for the sake of my readers.

Let me explain the ways I choose not to make money blogging, and why. I’ll also tell you 3 things I promise to never do as long as I own this blog.

Weekend Reading: Money and Productivity

It’s nice to be back this week.

I took last week off after writing my exhaustive (and exhausting for me) guide to make money blogging.

Today, I’m going to recap the week, show you the money and productivity articles I’ve found around the web over the last couple weeks, and give you an update on my Cyclical Ketogenic Diet progress.

How to Be Happy, Seriously

Is happiness the key to life?

For many, it is. But it’s so easy to get caught up worrying about our own happiness.

We can actually turn happiness into an idol that we worship, without even realizing it.

I’m not going to go into the religious implications of that, but I’m sure you would agree that idols aren’t the healthiest things to form. And you’re right. Regardless of your religious or spiritual beliefs, happiness makes a terrible idol.

There is a way to achieve happiness without idolizing it, and it’s actually easier than you may think.

Why I Budget (And Why You Don’t Have To)

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.

Weekend Reading: Money and Productivity

So far, so good on the Cyclical Ketogenic Diet.

I’m enjoying the meals, and experimenting with just eating whatever I want on my “carb up” days (30-48 hours a week). If I stop seeing results on the scale and in the gym, then I’ll go to a more “low fat, high carb” cycle, instead of strict keto, and just plain cheating.

I’m also trying Keto Delivered, a service that sends a monthly box of keto-friendly products to try.

Before we move on, check out this website that let’s you sell online, for free…

6 Ways to Overcome Social Anxiety and Feel Confident in Social Situations

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.

Is Tai Lopez a Fraud? Probably, But That’s OK

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.

Goals Vs. Habits

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.

Happiness is Somewhere in the Middle

There’s a saying that happiness is somewhere between having too much and having too little.

But the concept of “happiness” can be pretty ambiguous, because happiness to one person could be misery to another.

However, we can arrive at some reasonably consistent understandings when looking at modern human life within a monetary economy such as ours.

How Much is a Stay-at-Home Spouse Worth?

Stay-at-home spouses get a bad rap.

One of the funniest things I hear is “do you work or are you a stay-at-home wife/husband?”

Seriously? “Do you work?”…because stay-at-home spouses don’t work.
They have it so easy. They get to watch any number of kids all day, and end up with the wonderful responsibility of making sure every square inch of the house is tidy all day, everyday. Because that’s reasonable, right?

My wife is a stay-at-home mom, and I can tell you right now: she works. Harder than I do most days, and I have a “real job.” So let’s see just how valuable stay-at-home spouses are.

Money and Productivity: Weekend Reading

I started the Cyclical Ketogenic Diet on Monday.

Mostly to experiment with it and write about my results in the future.

After one week, it’s been good. I’ve had a little bit of the “Keto Flu,” but not too bad.

More to come on that later, but you can follow some of what I’m eating on Facebook or Instagram.

Now for this week in money and productivity…

The Most Unproductive 9 minutes of Your Day (Unless You Do This)

What are the most unproductive 9 minutes of your day?

It’s no secret. It’s the snooze button. Did you see that coming? Probably.

But we’re not done yet. I’m going to explain why the snooze button is so unproductive, and how to actually snooze productively. Yes, it’s possible to hit the snooze button, and not be a complete failure, regardless of what the internet tells you.

In fact, you can actually do some really productive things with the snooze button.

If more than 1/3 of American adults are hitting the snooze (I suspect it’s actually more than that), then something needs to change.

At least, the way we view the snooze button.

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.

Understanding Bankruptcy: The Reasons for Filing and the Results

There are around 1,000,000 bankruptcies every year in the US.

Obviously, it’s a problem. A problem that can be avoided, but if you’re past the avoiding stage, it may be your best option.

Let’s dive in and discuss the different types of bankruptcy, when to file, when not to file, and the effects of filing.

Money and Productivity: Weekend Reading

I’ve been reading. A lot.

I finished two books this week, and read 12 book summaries. And countless articles.

If you aren’t reading book summaries, you should be. The best place I’ve found for good non-fiction book summaries is Blinkist.

You can try Blinkist for free and even if you decide to purchase a subscription, there is a 30 day money-back guarantee, so you might as well give it a shot. I’ve read more since subscribing to Blinkist than ever before.

Now here’s the best articles I’ve found this week:

3 Apps That Are Taking My Productivity to the Next Level

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.

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.

How to Sell Your Car if You’re Upside Down on It

So you’ve decided that a life of debt isn’t for you.

Congratulations! Good choice. Welcome to the club.

You know the first step to seeing big results is to sell your expensive vehicle, but there’s one problem.

You’re upside down. Way upside down. And it looks like you may not get flipped back over.

Don’t panic! You have some options, and you can still make this work. Here’s how.