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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…
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?
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…
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.
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:
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 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…
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…
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…
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…
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…
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…
“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…
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…
I started to write a gigantic list of everywhere that offers a student discount and then I thought twice about it…
Why waste your time searching for companies that offer discounts when there is a better alternative?
Here’s what you should be doing…
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…
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…
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.
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…
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…
I’m a walking productivity experiment.
I like to try new things and find new ways to increase my productivity. Then I bring you the results and let you decide whether or not to implement these things in your life.
I’ve been doing three new things that have really been working to make my life more productive and actually, all three of these are saving me money too.
These are kind of random, but brilliant and you won’t find these all over the internet like most tips. Here’s what I’ve been doing…
I remember when I didn’t have control of our family’s money. I remember it well…unfortunately. We were $24,000 in consumer debt. We had no emergency fund, no investments and no savings whatsoever. I had used most of my wife’s savings to buy a new drum set (because that’s what responsible husbands do, right?).
My wife had been through Dave Ramsey’s Financial Peace course and honestly, she knew quite a bit more than I knew about money, especially managing it (well, and everything else related to money). She gave her input, but why would I listen? I was in my early 20s and I already had everything figured out. I didn’t need her input – I knew what I was doing. Yeah…
I’m not going to drown you in the tears of my past wrongdoings, but I am going to tell you why you need to take control, what happens if you don’t (from personal experience) and how to take control right now. Yes, today is the day that you will take control of your finances. Today is the day that you will change the course of your financial life. Sounds cheesy, right? Well sometimes the truth comes with a little cheese sprinkled on top, but seriously, you can change your financial future if you start today. Let’s do this…
A resume is one of the most important documents of a job seeker. It is the first and easiest way to show the employers that you are a perfect match for the company. A lot rides on what and how much you have mentioned in your CV. Everything from the interview to the whole selection process starts with this one document.
While the need to have job-related technical skills is unquestionable, it’s also a fact that everyone applying for the position will have them. So how do you think you’ll stand out of the crowd? The answer is simple, mention the prime job-related (non-technical) skills.
What does Sam Walton and Colonel Sanders have in common?
They both started from scratch and turned a small business into a multi-million dollar enterprise.
I’m sure you’re familiar with Sam Walton’s Walmart, which is the world’s largest company in revenue, according to the Fortune Global 500. You’re probably also familiar with Harland Sanders, also known as Colonel Sanders, and his giant fast-food chain, Kentucky Fried Chicken. KFC actually ranks 2nd in sales among fast-food restaurants, only trailing behind McDonalds.
Here we have two companies with thousands of stores and millions in sales. Many would consider them among the ranks of other “evil corporations” that under-pay and simultaneously hurt the economy. You don’t have to go far to find an article about Walmart and how unfairly they treat their employees or about how they’re too big for their own (or anyone else’s) good.
So where is the line drawn? At what point do these small start-ups turn from being “just another business” to being corrupt, evil or too dominant?
Charisma is one of those intangible qualities of a human being that you cannot exactly describe in words. In some ways, it is the X-factor that separates the ordinary from the extraordinary.
Charisma is a virtue that accentuates and sheds light on every other virtue in a person. When you have charisma you become a charismatic man or woman.
Charismatic people have always enjoyed the perk of being treated exceptionally by others in society. Here’s how to increase your charisma in 4 easy ways…
How often do you read about productivity and improving your efficiency? Since your here, I can only assume that you read about it pretty frequently, but where are you applying what your learning? Are you applying it to your job? Your side hustle? Your personal life?
What about the break room at work?
So how do you have a productive break? Well first off, no I’m not talking about cramming productivity book reading into a 5 minute break. That’s not a break, that’s just stressful. We have to remember the purpose of a break and how to make them as effective as possible. Let’s take a look at this informative, fun and well…pretty infographic (it is quite beautiful isn’t it?)…
You’ve heard how important it is to fund your own retirement.
You’ve heard that Social Security
may not won’t be there for you.
You’ve heard that you need to be investing in some type of IRA, 401k or some other retirement account that must be an acronym and may include numbers. However, you may not realize some things about those retirement accounts.
No worries! I’m here to let you know about six common retirement account misconceptions. So here they are…
It happens to everybody. We get our first jobs, we work hard, we excitedly rip into that first paycheck and, as Rachel so famously said on Friends, “Who’s FICA? Why’s he taking all my money?” Congratulations! You’ve just been introduced to taxes!
Here’s the good news: for many of you, all of the money that is taken out of your paycheck over the course of the year for federal and state taxes will be refunded to you when you file your taxes. Trust me when I tell you: this is the easiest way to do taxes. When you go into business for yourself or start freelancing, taxes get a whole lot more complicated. But that is another article for another time.
Here’s how to manage your money now so that you can lay a solid foundation for later, when you’re ready to start investing in bigger things than CDs (which we’ll talk about in a second). For now, though, baby steps (no offense).
Whether you’re a home-buyer or seller, you have to deal with a real estate agent for a safe and hassle-free transaction.
Only a few sellers prefer to purchase or sell a home without help of a real estate broker. But most of those for-sale-by-owner transactions are done between buyers and seller who are already related to or know each other. On the other hand, most home-buyers work with a real estate agent while buying a property.
Here’s how your realtor gets paid…
I wrote an article for LifeHack that got over 50k shares. Of course with that kind of popularity the naysayers will come out of the woodwork.
Some of the initial comments were things like “great article!” and “loved this!”. Then I got a “this article made me want to vomit”. I’m not totally sure, but I’m assuming she wasn’t going to vomit our of excitement for how much liked my article. And it got worse from there…
The article was about the differences between the rich and the middle class. I explained how to think like the rich if you want to be rich. That’s where the excuses came from. All kinds of excuses about how some people will never be rich and how they will always be poor no matter what they do. Excuses about the rich inheriting their money and not working for it. It was sad.
Here’s what I have to say about that – more specifically, what I have to say about excuses…