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Browse almost 1,000 articles on money and productivity.

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.

Money and Productivity: Weekend Reading

This “weekend reading” thing is fun.

I’ve been reading a lot more articles, knowing that I need to pick the best to share with you guys.

I hope you’re enjoying it as much as I am! Here’s what I have for you this week:

How to Start Your Home Library (With Jim Rohn’s Help)

“A university is just a group of buildings gathered around a library.” – Shelby Foote

Jim Rohn says “most large, exquisite homes have a library. Does that tell you something?”

There’s a reason these homes have libraries. The books in that library are one of the reasons they are where they are today. Of course, you don’t need an expensive house to have a library. A bookshelf in your bedroom or an empty closet works just fine.

If you’re short on space, go through your books and get rid of the junk first. Make room.

Jim Rohn gives guidelines in his books and seminars for what he believes should be in a basic home library.

Here’s Rohn’s advice, plus more on starting your home library.

Essential Information for First-Time Homebuyers

First-time homebuyers struggle with the process because it’s overwhelming.

There’s a lot to contend with: mountains of paperwork, mortgage rates, the down payment, and the list goes on.

The last thing a new homebuyer needs is to lock themselves into a lifelong commitment that ultimately winds up being the wrong decision.

With more than 880,000 homes in foreclosure, that’s a very real possibility.

The secret to ensuring your dream home doesn’t become a nightmare purchase is to put together a solid plan; this is the essential information you need to know, so your experience of buying a home is a positive one.

Understanding Life Insurance: Your Options and What’s Best for You

Let’s get this out of the way: it’s only called life insurance to make you feel better. It’s death insurance, folks.

Now that we understand what it’s actually for, what exactly does it do?

And who needs life insurance anyways? Just employees? Stay-at-home spouses? Children?

Let’s go over everyone who may need it, and those unique situations.

Money and Productivity: Weekend Reading

Some people ask me why I write about money and productivity, instead of simply picking one.

I usually respond by saying “it’s easier to write about both than one or the other.”

The line between money and productivity is thin — sometimes nonexistent.

You won’t usually see a whole lot of one without the other.

So I’ve stopped separating them in the weekly reads.

Here’s this week in money and productivity.

How Benjamin Franklin’s 13 Virtues Can Make You More Productive

Benjamin Franklin was widely known for his practices and habits…specifically: his virtues.

He was a lifehacker before it was cool.

He believed in living a fulfilling and productive life, which is what brought him to these 13 virtues.

I’ll go over each one and show you how to apply them to your life to increase your productivity.

5 Reasons Most Entrepreneurs Never Turn a Profit

The facts are in: most entrepreneurs never make as much income operating their own business than they did as an employee working for someone else. This may shock you because we see entrepreneurs on television, featured in magazines, and we constantly hear stories of massive success. It turns out, however, that these stories of massive entrepreneurial success are the exception and not the rule. There are five important reasons why most entrepreneurs never turn a profit and why entrepreneurs fail.

Understanding Mortgages: Buying, Renting and Paying Off Your Home

“Renting is throwing your money away.”

“Buying ties you down and locks up money that could’ve been invested.”

“When you buy a home, pay it off as fast as possible.”

“If you do buy, don’t pay off your home early. It’s better to invest the money.”

These are just a few of the ideas floating around the web. It makes the choices so easy, doesn’t it?

These are difficult topics that require slightly complex (but not scary-complex) answers.

Let’s dive in to theses topics, and decide what’s best for you.

How to Change Every Part of Your Life With Tiny Habits

I’ve always promoted the idea of starting small when creating new habits.

We all know that we can’t start a new workout routine by running 10 miles a day. That’s obvious. But even if you aren’t starting that big, you may be starting too big.

It’s usually not starting way too big that messes us up, it starting just a little bigger than we should have. Just big enough to stop the habit after a few days, weeks or months.

This is where tiny habits come in.

Bj Fogg, PhD, has started a habit revolution with tiny habits. And people are accomplishing amazing things by implementing them.

I’m going to show you how they work and how you can start implementing tiny habits today. Right now, actually…

5 Things You Need to Do When You Get a Raise

I got a new job and my income went up 38% several years ago. The increased payday felt huge, because nothing about my life setup really changed. I didn’t move into a fancy apartment or buy a new car.

But something subtle did change psychologically for me. I felt like I had more money so I spent a little bit more at restaurants and a little bit more on clothes. I figured I had a little extra money, might as well enjoy it.

When the credit card bill came, I found that my expenses increased right along with my income. Getting a raise was great, but it was so easy to spend the extra money. I hadn’t paid down student loan debt, saved any money, nor invested – all the things I’d imagined doing with the extra income.

The Sabbatical is Over: Welcome to MoneyMiniBlog 3.0

It’s about time! My sabbatical has finally come to a close, and I must admit that I’ve been getting anxious.

Anxious to talk to you guys! Anxious to publish articles.

It was a much needed break, but I’m glad to be back.

If you haven’t noticed, one of my main focuses was this re-design. I hope you like it!

I’m going to tell you about all the new stuff, and this article will also serve as a guide to help you better navigate this website to find what you’re looking for.

How to Win New Customers at Your Next Exhibition

Marketing at an exhibition can bring new challenges. You will be promoting your business at an event which is attended almost solely by your target market, but you’ll be competing to win them over. It’s important to remember your competitors will be facing the same challenge and will be taking it seriously. Have you thought about how to make sure your potential customers choose you over your competitors?

Why Starting an Online E-commerce Store Could Help Improve Your Finances

With more and more people using the internet and mobile devices to shop for items, entrepreneurs are increasingly seeing the large potential in opening up an online e-commerce store. With people shopping online for everything from groceries and new clothes to holidays and technology, it makes sense to try and make a living from the online shopping boom that doesn’t seem set to slow down any time in the near future. If you’ve been struggling financially and want to do something about it, starting an e-commerce store could be a rewarding venture.

No Credit Card? No Problem!

Few things strike fear into the heart of savvy consumers quite like the words “major purchase.” The phrase immediately fills their minds with images of unending payoff plans, piled-up interest, and hair-trigger late fees. It’s more than enough to scare some people away from buying things that they really need.

Of course, much of this concern is rooted in the incorrect assumption that every major purchase has to go on a credit card. The fact is that there are lots of ways to cover the cost. Here’s a quick list of ideas to keep the major purchase from being a major pain:

The Best Loan Options for a Bad Credit Rating

If you have recently had an application for credit turned down you might be feeling a sense of hopelessness. Being rejected for credit can be a major blow if you were planning to replace a car, take a holiday or make some home improvements. If you are already struggling to keep up with other credit commitments because of high interest rates and wanted to consolidate these debts, a rejection for a consolidation loan can feel like a major setback.

How to Choose a Credit Counselor If You Need One

Living under the burden of debts is not exactly the life any individual wishes for. Day in and day out you have to toil hard and meet your ends as well as get out of debt. This kind of life can invite severe repercussions financially, physically as well as psychologically. So it is imperative that you might consider a credit counseling firm. In this article, we shall be illustrating the basic definition and purpose of credit counseling as well as put light on the process itself.

Are All Loans Created Equal?

In need of a financial boost? Or maybe you’re looking to purchase a big ticket item but don’t have the cash upfront? Whatever the case is, obtaining a personal loan can be a great way to resolve the issue. Personal loans can range in size from a few hundred dollars to several thousand and can assist you in making big purchases, getting out of debt, or paying down some bills. Though it is a great way to temporarily finance your needs or wants, it is important to do your due diligence.

Top 6 Ways to Save Money for a Down-Payment

Four bedrooms with a large backyard and a white picket fence.

For most people, this is an American dream that they cannot wait to attain.

But turning that dream of homeownership into a reality can take a lot of grit and determination in this day and age. Considering that a traditional mortgage requires a 20 percent down-payment and that the average price for a single-family home sold in 2014 was $345,800 according to the US Census Bureau, you would have find a way to save a whopping $69,160 (not to mention additional closing costs) before you would be able to sign on the dotted line.

So how is it that 437,000 people were able to do that?

We at Modernize have a few tips to help you reach your goal without having to give up everything.

How To Be A Savvier Saver

Saving is something we all know we should do but is far easier said than done. It seems simple, save a little each month for a rainy day but far too often our month outlasts our money and there is not much to put aside. It is always tough to break your bad spending habits and be more ‘sensible’ with your hard earned money but here are some tips that will help you make the change.

5 Ways of Showing Investors and Clients You Mean Business

When starting your own business, it can sometimes feel as if the odds are stacked against you. It is important to stay proactive if you want to get anywhere with your business, whether you are selling a product, offering a service or providing some other level assistance to your client base. Taking a step back, when starting a business, is not what you want to do in order to get anywhere. You need to tackle things head on. One major ‘goal’ you should hope to achieve is to solidify the nature and the value of your business in the eyes of your investors and your intended clientele.

So what can be done to make sure that they know you mean business and you mean to create a successful business from the get go? Read on for our 5 top tips on showing your investors your stance on getting your business off the ground.

Insurance for DUI: How to Help Your Agent See You’ve Grown

If you’ve had the unfortunate experience of a DUI conviction, you might be wondering if there’s anything you can do to lessen the impact it has on your auto insurance rates. There are some steps that you can take if you’d like to make an honest attempt to appeal to your insurance agent, but first, it’s important to educate yourself on the reality and magnitude of the situation you are in.

How to Lower Car Insurance Rates for Young Drivers

The importance of insurance for young drivers cannot be stressed enough. However, automotive insurance companies are not very keen on insuring young drivers because they do not wish to take on the high level of risk associated with them. If we look at past insurance trends, we find that young drivers tend to make up the biggest chunk of claims. They tend to get into accidents more often than old or experienced drivers as a result of over-speeding and reckless driving. This explains the reluctance of insurance agencies towards covering young drivers.

However, since automotive insurance is extremely important, it is not wise for young drivers to stay uninsured. Young drivers are typically charged very high premium rates, but there are certain ways that this cost could be brought down.

How to Sell an Occupied Rental Property

The best way to sell a rental property is to let the lease expire and put a vacant home on the market. This option avoids many potential difficulties, but is not ideal from a financial standpoint, since an empty rental brings no income and still has expenses.

Whether your renters are difficult or dream tenants, if they are under a lease when you are ready to sell your property, it poses a few challenges. That said, it’s not anything that can’t be overcome with some effort and know-how.

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