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Do You Really Have to Practice New Habits Every Day for Them to Stick?

​Every time I read about creating new habits, the term “daily habits” always pops up.

You’ve probably heard it before…

“You must do this habit every day to make it stick”​.

“Your new habit should be a daily practice“.

​I always had the question: “Does that really mean every single day?” Even weekends and holidays?

I’ve finally figured out the best way to approach new “daily habits”.

Let me share what I’ve learned…

How Rich Are You? The Line Between Giving and Guilt

I am rich. Like really rich.

Am I a millionaire? Nope. Not even close. So how am I rich if I’m not even a millionaire?

Let’s start with what “rich” really means. Here are the first couple definitions:

1. having a great deal of money or assets; wealthy.
2. plentiful; abundant.

Obviously the definition is subjective and open for interpretation, but I think it’s reasonable to use percentages here.

So who would be considered rich? The top 30 percent? The top 25 or 20 percent? 15?

Let me show you where I’m at, where you are and how we should approach about giving…

The Top 9 New Year’s Resolutions and Cheap Ways to Keep Them

Nearly half of Americans make New Year’s resolutions, but only 8 percent of us keep our promises, according to a survey by the University of Scranton.

Top reasons (excuses) include lack of money, lack of opportunity and – almost everyone’s sticking point – lack of time.

If you’re determined to realize your goals this year, check out some frugal ways to achieve the top ten resolutions…

How to Read More Books This Year Than Most People Read in Their Life – Part 2

This is Part 2 of 2 in a series. Read Part 1 here.

As we were talking about in Part 1…

We all want to be reading more, but it’s hard to find the time.

Reading is one of the main ways we grow and learn.

If you want to get better at something, read about it. But you know that.

The problem is that it’s hard to find the time to actually do it.

Let’s continue with the next 6 strategies to read more books this year than most people read in their entire life…

How to Overcome Struggles, Be Happier and Take Control of Your Life

Do you want to figure out one of the key to happiness and overcoming life’s crap?

Stop taking yourself so seriously. I’m serious.

If you’re serious about your goals and your dreams, it will serve you well to relax a little.

I’m not telling you to lose your discipline or stop pouring yourself into your life. What I am telling you is that it’s ok to have fun.

What am I talking about? Let’s start with your finances…

5 Easy At-Home Car Repairs You Can Do Yourself

One of my biggest woes in life is the money it costs me to keep my car ship-shape.

It seems every time I take it to a workshop, they find things wrong that I never even heard of. Things that end up costing me money I hadn’t planned spend—not now, anyway.

So I figured there had to be a better way to do basic repairs, and save not only the cost of the materials and labor but also the “extra” things mechanics always seem to uncover.

Here are 5 easy at-home car repairs…

How to Read More Books This Year Than Most People Read in Their Life – Part 1

“I find television very educating. Every time somebody turns on the set, I go into the other room and read a book.” -Groucho Marx

You’re already setting goals and deciding what you’re going to accomplish? Great! What better way to start the year…

We all want to be reading more, but it’s hard to find the time.

Reading is one of the main ways we grow and learn.

If you want to get better at something, read about it. But you know that.

The problem is that it’s hard to find the time to actually do it.

Here are the first 6 strategies to read more books this year than most people read in their entire life…

Are You Letting Fear Control Your Finances?

​​Do you know what could be the most influential part of your finances?

The thing that causes you to spend money and save money. The thing that can easily put you in debt.

Possibly the most common marketing tactic in the world.

Do you know what it is? It’s fear. Often fear of the unknown and, more often, fear of things that never actually happen.

Are you letting fear control your finances? You may not even realize it.

It’s time to stop letting fear spend your money for you.

Let’s look at how fear can control your finances and how you can take control…

13 of the Strangest Coupons Ever

Nearly 3 billion coupons are redeemed each year.

And it’s not just for electronics, clothing and household products.

Look hard enough and you can also find discounts on things you never imagined have discounts (or need them).

Here are 12 of the more unusual picks:

Merry Christmas! Christmas Around the World [Infographic]

Merry Christmas!

This is my favorite time of the year, as it is for many of you.

Today, I figured I would lighten the mood a little bit.

We’ll get back to improving our finances and productivity tomorrow, but for today, it’s a time to relax, appreciate and enjoy everything we are blessed with.

Spend time with your family. Get stuffed with Christmas dinner. Give freely and enjoy this interesting infographic…

5 Game-Changing Things You Don’t Know About Millionaires

We all have our opinions about millionaires and the rich.

I’d like to challenge some of those opinions and show you some things you might not know about millionaires.

It’s not about luck, fancy lifestyles or greed.

It’s about developing a mindset that sets you apart from the rest.

Here are 10 game-changers that you didn’t know about millionaires…

5 Mistakes Expatriates Make When Using Credit Cards

American citizens who live abroad are known to face some rather unpleasant financial surprises when they get back to the US.

While spending responsibly when outside the US, their lack of U.S. credit activity often deprives them of new credit cards or loans being issued to them.

Opening a bank account can also be really tough.

American expats tend to be completely unaware of how they should manage their existing credit cards while they live abroad, and there are few identifiable mistakes they usually make.

Here on some of the mistakes expatriates make when using credit cards…

How to Create More Self Discipline in Your Life

“​We are what we repeatedly do, excellence then is not an act, but a habit ​.”​ ​-​Aristotle

​Discipline isn’t about the choice to do or not do something.

It’s a choice to take control of your own life, instead of letting someone or something else do it for you.

That’s why Napoleon Hill said:

“​​​If you do not conquer self, you will be conquered by self ​.”​​

It is possible to create discipline and become a disciplined person.

​It’s not genetic and it certainly isn’t something that always comes naturally.

Here’s are 4 important things you need to know about self discipline to create more in your life…

6 Productivity Hacks Backed By Science [Infographic]

“I believe in science.” -Esqueleto, Nacho Libre

I’m all about science-backed productivity.

From how habits are formed to the time of day we are most productive, I think science plays a huge role in helping us become more productive.

That’s exactly why I think it’s important to see some actual studies and how they pertain to your productivity…

The Quickstart Guide to Seller Financing Real Estate

Have you ever thought about owning rental property?

Perhaps you’re interested, but you’re worried about high maintenance costs and destructive tenants.

That’s a common thought and a common worry. And there is a way around it.

Yes, you can invest in income property without actually being a landlord.

It’s called seller financing and it could work for you as a seller or a buyer…

Do You Have What It Takes to Invest in Classic Cars?

We always hear that some people have just made a huge profit on certain type of investment and think if we could make the same kind of money, too.

It is all good dreaming about how good you would be and how much money you would earn. However, some people make money regardless of markets going up or down.

They actually can make even more money when the market is crashing if they know when to short certain stocks as we discovered in recent crises with banking stocks.

When it comes to investing in classic cars there are a few obvious potholes anyone can fall in…even the seasoned dealers. They are easy to fall in love with, be sentimental and being cars, they have many associated problems.

Here are 5 tips to help you decide if you would be a good classic car investor or it is not definitely for you…

How to Create a New Habit (Even if You’re “Too Busy”)

Are you intentional about creating new habits? You should be.

Building positive habits is one of the most powerful disciplines in the world.

Large results are created through the building of small, consistent habits.

But how do you build a new habit if you don’t have any time to spare? You know, if you think you’re “too busy”.

Everyone is busy and most people think they are too busy to add something to their life. They’re not. And you’re not.

Here’s what has worked for me, and it has also worked for many influential leaders…

Credit Card Insider Review – Find the Perfect Card for You

There are many tools to help your find the perfect credit card.

Some of those tools cost money, this one is free, but there are other free tools like this.

So, what makes it so special?

It’s more than just a tool, it’s a goldmine of resources on finding credit cards, improving your credit, fixing mistakes on your credit report and ultimately helping your get the best credit score possible.

So let’s dive in…

​My Biggest Money Mistakes (That I’m Glad I made) Part 3: A Common Mistake

This is my last mistake.

I’m sure that’s not true, but it is my last mistake in this series. For now.

Be sure to check out Part 1 (Network Marketing) and Part 2 (Direct Buy) in this series.

So, this is a mistake that I made and it’s likely a mistake you have made. An overpriced vehicle.

Or…financing a vehicle in general, but specifically paying way too much in the first place.

For us, it was a 2003 Chevy Blazer and we paid more than anyone ever should have paid for it.

Let’s look at the mistake, why it happened and what we can learn…

How to Combat Your Morning Self (And My Morning Ritual)

​​I ​ have two personalities. My night self and my morning self.

Sometimes we don’t get along.

When my night self decides to stay up a little later, my morning self isn’t too happy.

My night self goes to sleep thinking about all of the great and productive things I’m going to do in the morning.

​But sometimes my morning self wakes up thinking my night self is an over-achiever and I should just go back to sleep.​

Sound familiar?​ Here is how I am able to combat my morning self and get stuff done…

How to Take Back Your Mornings [Infographic]

Mornings are my favorite time of the day.

I can get more done in the first 2 hours of the morning than I can in the next 8 hours of the workday.

Since I’ll be publishing an article tomorrow on successful mornings (I’ll even be sharing my morning ritual), I thought it would be appropriate to share this awesome infographic today.

Let’s quickly go over a few key things to morning time…

My Biggest Money Mistakes (That I’m Glad I made) Part 2: Wholesale Club

It’s time for another mistake.

Actually, I’m not planning on making another mistake, this is a mistake I already made.

Last time, I wrote about my failed ventures in network marketing. today we are talking about a money mistake I made in my first year of marriage.

My wife and I decided to join a wholesale warehouse. Direct Buy to be exact. Maybe you’ve heard of it.

It cost us a lot of money (I’ll tell you how much in a moment), but I’m still glad we did it, here’s why…

How to Determine the Best Age to Take Life Insurance

Most youngsters think that they do not require life insurance, and hence, they ignore it.

They neglect the benefits it offers them because they feel it’s not meant for them, so they simply take it because of statutory tax deductions.

It is okay for them to feel that way, especially if they don’t have familial responsibilities.

However, they should remember that there are different impacts when they take this type of policy during the different stages of their lives.

A life insurance policy offers you more benefits when you take it at the age of 40 as compared to when you take at the age of 25.

A 20-year life insurance policy that you take when you’re 25 years old would greatly help you during some days when you have financial needs when you are 45 years old, such as the higher education of your child. However, the same policy may not be very helpful to you when you are in your 60s if you take it when you are 40 years old.

The following is an analysis of the best time for you to take life insurance…

6 Steps to Create Your Self-Development Blueprint

​​What is a self-development blueprint?

It’s simply a game plan or a blueprint for improving your life and yourself.

We’re constantly growing and learning. It helps to make a plan. Learning is much more effective when it’s strategic.

Are you reading books, listening to audio and watching videos? Most of us are.

Are they getting you closer to your goals? Let’s start working on your game plan…

Credit Sesame Review – Why I Made the Switch From Credit Karma

​What is Credit Sesame?

Sure, they are a credit monitoring service, like Credit Karma and many others​, but that’s not all.

They offer more than the other credit monitoring services I’ve seen, while still keeping it free.

What do they offer, you ask? A free credit score, free credit monitoring and free identity theft protection.

Free identity theft protection? That’s right! And they actually offer even more than that.

Let me give you a quick breakdown, then I’ll let you go try it out. After all, it is free…

The Ultimate Quick-Guide to Budgeting Tools

If you’re looking for budgeting tools, look no further.

I’ve compiled an all-inclusive list of every high-quality budgeting tool I could find and put them all together here.

I’ve even included the price (if there is one), the format(s) available and a brief description of each. I’ll start with my favorites and then move on to the rest.

Let’s jump right in and see what our options are…

How Does Debt Settlement Affect My Credit Score?

Your credit score can tremendously impact your day-to-day life.

For Example, your credit score can affect everything from obtaining a mortgage to getting a new job. This is something that most people know. But what everyone doesn’t know is how exactly your score is calculated.

The reason that this isn’t common knowledge is because the credit bureaus do not tell you exactly how they calculate your score.

Even though we do not know the exact equations used, we do know what factors can have a tremendous impact on your credit score. For example, settling your debt can impact your credit score.

Let’s see exactly how debt settlement affects your credit score…

How to Effectively Measure Progress on Your Goals

Small progress over time leads to huge results.

Gradual increase + persistence = new habits. It’s that simple.

Small habits might not seem life-changing at first, but when you look back, you will see something amazing.

You will see huge progress compounding over time.

That’s exactly how you measure your goals. Looking backwards.

The past gives us all the information we need and it tells us what we need to change.

Let’s look at how to effectively measure goals and see our progress…

Personal Capital Review – The Ultimate Free Tool for Budgeting and Investing

There are many ways to get all your accounts in one place.

There are also ways to automate your budget.

Mint.com comes to mind.

Your bank may even offer online banking that budgets for you and allows you to add outside accounts to your dashboard.

That’s all great. I love automation. But I’ve found the cream of the crop.

All your accounts in one place? Check. An effective automatic budgeting system? Check. And that’s not all they do.

Personal Capital is great for budgeting, but it’s really great for investing!

Let me show you what sets Personal Capital apart from the rest…

​My Biggest Money Mistakes (That I’m Glad I Made) – Part 1: Network Marketing

I have made some huge money mistakes.

I want to tell you about them, in hopes that you won’t make the same ones.

Mistakes are a great teacher. It’s always best to learn from someone else’s mistake if possible, but there is value in our own mistakes.

That is, if we do actually learn from them.

In this series, I’m going to go through my biggest mistakes. They are big enough to be separated into different parts, which is…kind of sad.

This is my experience with network marketing. (which obviously wasn’t too great, since it’s on my biggest mistakes list)

I’ll explain what happened, why it happened and what you can learn from it…