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Why I’m Killing the Ads at MoneyMiniBlog (And How I’m Replacing the Income)

I started this blog to help people.

I love finances and becoming more productive, which is why I aggressively learn everything I can about each one.

Over the years, in an effort to monetize this blog, I starting including advertisements withing the articles and in the sidebar. You may have noticed those ads disappearing lately. That’s because they are.

I’m killing the ads at MoneyMiniBlog. Here’s exactly why and how I’m replacing the income…

Work Smarter Not Harder: 4 Productivity Principles You Need to Know

You want to work smarter, not harder. You want to be more efficient – more productive.

But what are some practical and applicable principles and techniques that can help you do that?

Here are four of the foundational principles you need to follow to achieve more in less time…

5 Categories You Need in Your Budget That May Be Missing

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…

Financial Statistics That’ll Shock You [Infographic]

So we just got back from vacation and we completely failed…in a good way!

I’m sure you’re wondering what the means and what that has to do with this infographic.

You’re in luck, because I’m going to tell you!

Master This One Thing and Watch Your Productivity Skyrocket

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?

6 Things I Learned by Not Spending Money for 30 Days

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…

7 Keys to Winning Scholarships

If you’re getting ready to take the pathway to college, you’ll need to think about winning scholarships, unless you want to be buried in debt when you graduate, or unless you’re independently wealthy.

There are many posts on blogs and scholarship sites that tell you how Student X got scholarships, but if the journey was arduous for that student, perhaps there is a better way to win scholarships than by plugging along, day after day. It’s better to learn from the experience of people who can help you win scholarships, even if you don’t have time to apply to a hundred of them – or more.

10 Important Actions You Can Take Right Now to Increase Your Productivity

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)

10 Credit Myths Busted [Infographic]

Credit is a funny thing. Especially when you start talking to other people.

Some people have all the answers on how to improve your credit, but are they accurate?

Just because something seemed to work for someone else doesn’t mean it will work for you, but there are some standards that you (and anyone else) can meet to ensure your credit score will continue to rise.

Before you get into raising your credit score and cleaning your credit, you’ll want to look at these credit myths.

There’s no reason to waste time on things that won’t help you…

The Ultimate Quick-Guide to Breaking Bad Habits in 4 Steps

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…

24 Stupidest Things the U.S. Government Spends Money On

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?

20 Productivity Apps to Keep You Organized [Infographic]

When it comes to business-based apps for your phone or computer, productivity apps rule the roost.

In fact, there are so many out there that it can be unproductive to spend hours trying to find the best one(s).

But don’t you worry! Here are 20 of the top productivity apps in one quick graphic…

Attention Financial App Users: Advice for Keeping Your Phone Safe

If you’re like me, you complete just about every task with the help of your smartphone. From checking your email accounts to downloading apps to help you maintain your budget, your whole life is on your phone.

While modern technology is certainly a convenience, we really do have to be careful about the potential threats that are out there. Identity theft is serious business and, according to the Federal Trade Commission, identity theft was at the top of the list for consumer complaints this year.

For that reason, it is important for us to take extra precautions to protect our personal information. Below are a few things I’ve done to safeguard my smartphone.

4 Ways to Fund Your New Business

If you’ve ever thought seriously about starting your own business then you should also have given some thought to the issue of how to find the funding that will help turn your ideas into reality.

These matters are, of course, key considerations in the context of starting up a new business of any kind. After all, without cash, even the best business ideas are destined to remain unfulfilled and forever on the drawing board.

There’s no denying that funding new businesses can be challenging but it is important to note that there are more ways than ever for start-up operators and entrepreneurs to access the financing they need at different stages of development.

Here’s a look at FOUR of the best:

Use These 3 Steps to Conquer Your Fear of Rejection

Rejected!

That’s never a word you want to hear. You try as hard as possible, do your absolute best and then…rejected!

Nobody likes being wrong and rejections makes us feel like we’re wrong, even if we aren’t.

You’re not the problem, but your view of rejection may be.

Rejection isn’t a bad thing. It can actually be a great thing, if you learn to harness the power of it.

Let’s start by looking at what we’re actually afraid of…

How to Become a Better Writer and Get Paid (With Hundreds of Resources)

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…

If You Want Freedom, Limit Yourself

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…

Here’s Why Compound Interest is So Powerful

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…

10 Morning Rituals of Successful Entrepreneurs [Infographic]

There’s something special about the morning hours and that’s why you’ll often find successful people taking advantage of those hours.

These routines are very different from each other, which goes to show that there’s no “right” answer on how you should conduct your morning ritual. There’s no one-size-fits-all answer, but you can get some ideas for your own ritual.

You’re not going to stick with a ritual you don’t like, so add the stuff you like and leave out the stuff you don’t like.

Also, these entrepreneurs are successful, but that doesn’t mean they have everything figured out. Simon Cowell hits the snooze button, which continues to be shown as having a negative affect on your energy. Again, just because some successful person does it, that doesn’t make it right, but we can learn from them both positively and negatively…

14 Ways to Maximize Your Car’s Value Before Selling [Infographic]

Selling your car isn’t fun, but it can earn you some cash towards your next car.

Ideally, you would be able to buy another used car with cash, but even if you have to finance, as long as you have a good credit score, financing isn’t the end of the world.

The money you earn by selling your current car could be a great down payment on your next car and this infographic is going to show you how to get the most value out the car you’re selling now…

What a Retired Army Colonel Taught Me About Money

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…

5 Tips to Help You Start Your Emergency Fund

“How to Save” articles always include the tip “Build an emergency fund,” and for good reason. As its name implies, an emergency fund tides you over during unexpected events – like fires, accidents and sudden deaths in the family.

Essentially, it’s your last line of defense finance-wise, in case you end up in a situation where you have no other sources of cash.

That’s why it’s important you know how to build an emergency fund from the get-go. For that, here are some guidelines you can follow…

How Much Sleep Do You Need? It’s Probably Not 8 Hours

There’s plenty of information out there on sleep. It’s an exhausted topic (pun intended).

There are countless debates over how much sleep you really need; we all remember the timeless advice that you must get in your 8 hours.

Well first off that’s probably not how much you need. So how much?

We’ll get there, but let’s start by looking at how the 8 hour figure came to be…

Choice-Minimal Lifestyle: How to Focus Your Time on What Matters

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…

5 Reasons That Prove I’ve Found the Best Web Hosting Company

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…

5 Simple Ways to Save Money When You’re a Student

More often than not, college students are constantly facing shortage of money even if they have managed to acquire a student loan. While the funding may appear to be enough when you get it at the beginning of the term, it is not long before you realize that you will need to seriously budget to last it throughout. This is the hard part; budgeting, to make sure that you do not run out of money before you receive your next funding. However, it is not so difficult that you would term it impossible. I would like to list down a couple of saving tips for you college students.

How to Find That Next Big Sleeper Stock for Your Portfolio

If you have been active and following the markets through the first quarter in 2015, you will no doubt have heard of the amazing run in the biotechnology sector. The stocks that compose the biotech sector have had some of the hottest win streaks seen all year, with some being many hundred percent winners.

It’s easy to get caught up in the hype and feel the need to chase some of these monster movers, but as a trader, I prefer to dig down into the details and find the next big opportunity that I can ride for a monster win. The smarter play here is to recognize the opportunities before they become known to everyone else…

8 CEOs Who Made Their Fortune Before They Were 30 [Infographic]

It may seem unrealistic to think about becoming a multi-millionaire before your 30th birthday, but think about all the people who did it. It’s not some crazy story about a guy working hard for 10 years on one project before it finally took off.

These are stories like David Karp, who started Tumbler and had close to 100,000 users within a couple weeks. He then sold it for a few million a year after he started the website, while he was still living at home with mommy. I think he could probably afford to move out after that.

Or what about Michelle Phan, who has the ultimate blogger success story and now she’s worth a few million.

I’m not saying it’s easy, but it is possible…