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Spending More: The Critical Counter Intuitive to Spending Less

Spending More: The Critical Counter Intuitive to Spending Less

You want more money. Even Warren Buffet, who has a lot more money than you, wants more money.

When it comes to saving money, or that nasty word budget, it’s a safe bet you have negative associations with the practice. You might think of the cocktails you won’t be having with friends, fishing trips you’ll be missing, and delicious foods you won’t be enjoying. Cheer up, man! I’m here to tell you there’s a way to spend less by spending more…


How to Use Debt Consolidation to Get Out of Debt Faster

How to Use Debt Consolidation to Get Out of Debt Faster

The mirth and merriment of Christmas are very much upon us, with the big day now getting very close. It’s a time of laughter, fun and special times with friends and family – just as it should be. Yet with the unrelenting social activities that come with it, costs of buying presents and other wallet drainers, there is no doubt that the holidays can put a strain on anyone’s budget, and maxed-out credit cards are hardly unusual by the time January dawns.

But instead of using the festive season as an excuse to exacerbate your existing high-interest debt, why not see it as the time to take action, and eliminate it instead? The path to becoming debt-free isn’t as arduous as it may seem, and with a combination of self-discipline and some clever strategic thinking, you can start getting yourself very much on track.


The Most Dangerous Job in the World [Infographic]

The Most Dangerous Job in the World [Infographic]

Christmas is a day away. That means that one person will be working overtime tonight.

Sure, he may only work one day a year, but he accomplished more in that one day than you or I accomplish in a decade.

This would be the perfect opportunity to go into this individual’s productivity methods, but he is very secretive about the productivity hacks and methods he uses. In a recent interview, he wouldn’t even disclose the current books he has been reading. I suppose he wants to eliminate the possibility of any competition.

Many believe he is a big supporter of David Allen’s Getting Things Done strategy, but that hasn’t been confirmed.

There are also rumors that he loved Jeff Sander’s new book, The 5 AM Miracle, but again, we’re still short on facts.

I hope to eventually get in to interview this man, but until then, all I have is an infographic about how dangerous his job is. So here you have it – the most dangerous job in the world – the job of Santa Claus.


6 Ways to Save Money in Your Office by Going Green

6 Ways to Save Money in Your Office by Going Green

Going green is certainly the buzz in business today, but as a busy owner or employee, it’s easy to push it to the side because you have enough on your plate. As if you needed one more thing to manage, right?

The good news is, going green in your office doesn’t have to be an “all or nothing” endeavor. This is something you can implement over time.


How to Find That Perfect Job

How to Find That Perfect Job

A sitcom television show once marveled that it was amazing that the universe contained hundreds of thousands of different types of jobs, and yet there was someone out there willing to fill every different one.

This sounds pretty level-headed coming out of the mouth of a comedian. But in the real world, the odds are against you. It has been long reported that our feelings about our jobs are extremely negative, overall. In a 2013 survey conducted by Gallup, 70 percent of 250,000 people interviewed – including part time and full time workers – said they hated their jobs. Only 30 percent said they actually enjoyed their jobs and their bosses, according to the Daily News.


7 Ways to Save on Heating Costs This Winter

7 Ways to Save on Heating Costs This Winter

Winter is coming (if it hasn’t already arrived), and with it come lower temperatures outside and higher bills at home.

Fortunately, there are a few things you can do that will help you save big on your heating bills, many of them for free.

These tips will help you on your heating costs – without a huge investment of time or money.


5 Ways to Make Some Extra Cash

5 Ways to Make Some Extra Cash

These days, it’s always useful to have some extra money on hand. Whether for short-term pleasures like an extravagant meal out, or buying a new dress, or more long-terms investments like saving for education, or planning for retirement (especially if you’re planning to retire abroad), extra cash is ALWAYS welcome! Most people rely on company bonuses, or working overtime to make more money. In addition to these, there are a whole bunch of things you can do (in terms of skills you can acquire and opportunities you can take advantage of) that will help you effectively supplement your regular income. Considering holiday season is right around the corner, and spending tends to be high, it is worth taking a look at what you can do to make some extra cash. Here are a few ideas:


10 Tools to Be a Productive Student and Fight Procrastination

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.


3 Steps for Finding an Investment Broker

3 Steps for Finding an Investment Broker

Every Monday banks or credit unions release a rate sheet that define the annual percentage rates for all of their products and services.

The interest rates have definitely seen better days and many people worry if they will ever actually be able to retire.

As hope for the future darkens, people then seek out other avenues in order to make their work just a little bit harder.

With the stock market many people are choosing to place their money more at risk in order to gain a higher rate of return. However, many people do not know where to get started.


The Effects of Minor and Major Derogatory Credit Delinquencies

The Effects of Minor and Major Derogatory Credit Delinquencies

In the lending industry, free credit scores and credit scoring systems have become universal.

As technology advances and becomes more commercial, such as the public debut of the 1989 FICO credit scoring model, scoring tools have started to overtake traditional underwriting process in the world of lending. Companies like Credit Sesame have been founded to help the public gain a deeper understanding of their financial standings by offering free credit scores, reports, and tracking.

While there are definite benefits to this new takeover, there remains to be widespread misunderstanding of what actually affects your credit scores. One of the top suspects: late payments.


How to Dominate Your Day Before Breakfast [5am Miracle Book Review]

How to Dominate Your Day Before Breakfast [5am Miracle Book Review]

“Dominate your day before breakfast” may sound intimidating, but it’s really not.

That’s been Jeff Sanders’ motto for his podcast, and now for his book.

The idea is that you can accomplish a lot with little effort, if you change a few habits.

I’ve been listening to Jeff’s show, The 5AM Miracle podcast, for a few years now. It made my top podcasts list and it continues to be one of the only podcasts that I listen to every time a new episode is available.

Jeff finally (I’ve been waiting!) put his expertise into words and released a book…an extremely awesome, useful, direct, practical and applicable book, if I do say so myself…and I do.

Here’s some insight into his book, The 5AM Miracle…


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

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:


How to Best Invest in a Home for Your Lifestyle

How to Best Invest in a Home for Your Lifestyle

When it comes to buying a home, advice is overwhelmingly centered on buying a primary residence.

No big surprise since you need a place to live. But, before you invest in a primary residence, you need to consider your lifestyle goals to maximize your budget and your quality of life.


Do College Students in the UK Really Have it That Bad?

Do College Students in the UK Really Have it That Bad?

Just how bad is the financial plight of the average university student in the UK?

As is the case with most questions, the answer to this one depends upon whom you ask.

Some say uni students are fighting a losing battle because tuition is rising and maintenance loans are inadequate, particularly in London and other notoriously expensive areas. Others say that many students are squandering their money partying and buying items they don’t need.

Who’s right?


7 Everyday Habits You Need to Reach Your Financial Goals

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:


How to Get Your Finances in Order in 1 Hour

How to Get Your Finances in Order in 1 Hour

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.


20 Apps to Be More Productive at Home [Infographic]

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

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.


Your Wallet Just Got Stolen. What Do You Do?

Your Wallet Just Got Stolen. What Do You Do?

Imagine getting home on Friday night, after a stressful week. You’ve been looking forward to this moment all day. All you want to do is just throw some sweatpants on and just veg out on the couch. You turn the TV on, grab some drinks from the fridge and get your favorite pair of sweats. You go to take off your pants, you empty your pockets, and you heart sinks….

Your wallet. It’s gone.

If this has ever happened to you, you know the sense of fear that accompanies this horrible event. Your entire life is contained in your wallet. There’s credit cards, debit cards, ID, money, insurance card and membership cards. You now could be the victim of identity theft, with repercussions for years.

Here’s a step-by-step guide of what to do should the worst happen…


Can You Really Make Money Trading Binary Options?

Can You Really Make Money Trading Binary Options?

Binary options have become a popular way of trading financial assets online because of their simplicity and high returns. Nonetheless, various researches still show that only less than 30% of retail traders achieve profitability trading this market. For this reason, most investors often question whether it is possible to really make money trading binary options. The short answer is YES, but the long answer is that it requires hard work, commitment and dedication to consistently churn out profits from the binary options market.


The Power (and the Myths) of Written Goals

The Power (and the Myths) of Written Goals

If you’ve read some books on goal setting, you’ve probably read that only 3% of the population have written goals.

That statistic is often followed by something like “it doesn’t matter if this is true or not, the point is very few people write down their goals.” There is a need for that justification.

This “3%” comes from a study at Yale University in 1953.

The story goes, a Yale University class set goals. 3% of the class wrote them down, while the other 97% didn’t. Twenty years later, the researchers checked in on the classmates to find that the 3% with written goals had more wealth than the other 97% combined.

What an interesting study…the only issue is that it never actually happened.


5 Smart Financial Moves for New Parents

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…


“It’s Just Money” – How to Implement the 10 Year Rule

“It’s Just Money” – How to Implement the 10 Year Rule

Money isn’t what really matters.

Sure, you need money to accomplish some of your goals or to make your life better…or at least you think you do.

We all think we need more money, more stuff. But money is just money. Stuff is just stuff.

We all know material items aren’t what’s really important.

That’s easy to say, but how do you actually live it out? It’s hard to say “it’s just money” when your only car breaks down and you have to spend $2,000 on a new transmission. It’s hard to say “it’s just money” when you might not have quite enough for the rent this month. Likewise, it’s hard to say “it’s just stuff” when something valuable is stolen or when something you just bought gets messed up.

As I was preparing this article, an interesting thing happened that really challenged me on this…


How to Budget Your Time Like Your Money

How to Budget Your Time Like Your Money

You budget your money because it’s important to keep track of it.

You know the importance of tracking. You’ve seen how a dollar here and there can really add up.

What about your most important asset? Your time. It’s not replaceable like money. When it’s gone, it’s gone.

Do you know where your time is going as well as you know where your money is going? You’re about to.

Here’s how to budget your time like you budget your money…


What’s the Difference Between Memorial Day and Veterans Day?

What’s the Difference Between Memorial Day and Veterans Day?

Happy Veteran’s Day! And a big thanks to everyone in our military who are serving or have served.

This post is a little out of character for me, since it’s not about money or productivity. It is, however, about an important topic.

As an active duty military member, I have had many people ask me what the difference is between Memorial Day and Veterans Day. People often get them mixed up, or think they’re basically the same holiday.

They’re not.

I just want to take some time to explain the difference between the two holidays, and to explain what a veteran is…


7 Websites That Will Pay You to Write

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.


The Case for Cash Vs. The Case for Credit Cards

The Case for Cash Vs. The Case for Credit Cards

Cash or credit? What do you use?

I’m a fan of Dave Ramsey, but I don’t think everyone has to be stuck using only cash.

I’m a fan of credit card rewards, but I don’t think everyone is responsible enough to use them.

So how do you really decide whether to purely use cash or whether to get some credit card rewards?

Here’s how you can decide for yourself…


3 Simple Practices to Keep Email From Stealing Your Time

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

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.