We can all agree that one of the most stressful parts about Christmas is budgeting – for home decorations, presents, and last-minute family trips. You want to give your significant other or favorite sibling the best Christmas present ever, but you’re falling short on funds.
Spare yourself the heartbreak of not fulfilling their wish lists with these tips on how to cut down on decoration costs. Tis’ the season for giving, not grieving.
When we are young, we do all sorts of silly things.
We don’t think too far in advance, are susceptible to pressure from friends and like to push boundaries.
In most cases, this is all pretty harmless stuff, and it’s something that most people grow out of.
Yet, the financial mistakes we make in this period can set us back for many years to come.
“I remember making my first million dollars.”
Sure, it's a sentence we'd all love to be saying sooner rather than later.
However, given the fact there are relatively few millionaires in the world, the dream of making our first million dollars, let alone a second or third, seems pretty far away, doesn't it?
It doesn't have to be.
We've been downsizing like crazy.
I'm pretty sure we are the sole supporters of our local thrift store.
And that's partially because nobody else's stuff will fit in there with all of our stuff.
This weekend, I will be selling a lot of stuff on various websites. I'm sure a post about it will be coming soon. Here's the latest and greatest!
Changing a habit is like playing a game of chess.
In chess there’s an early game, a middle game, and an endgame. The same is true for habit change.
Many people try to change their habits by skipping straight to the endgame. They dive in and commit themselves to making the change happen right away. This is what people do when they make a New Year’s Resolution. It hardly ever works.
Public transport doesn't meet the transportation needs of many Americans and an increasing number of people are deciding to own cars.
The easiest way to pay for a car is by cash or check but not many people can afford to pull out $20,000 to buy a car and drive it off the lot. Hence, most car buyers need to take up one form of auto loan or another.
The Little Book That Beats the Market is a classic book on investing in the stock market. Here are his main ideas, and the "magical formula" he uses.
I have some great reads for you.
I've also been making some updates to a few pages.
I made the blog page and the free guides easier to navigate by adding new menus.
I also completely revamped the free guides and added all kinds of new resources.
You're going to love this. Why? Because it's easy, and it works. Two of my favorite things.
Online trading could be a smart way to supplement your income and you can actually fire your boss and become a full time day trader.
One of the advantages of making money through online trading is the relative freedom that it offers you in relation to other moneymaking ventures.
However, tales abound about many people who have delved into online trading with great expectations but who ended up losing all of their trading capital.
Retiring early is not for the faint of heart, but it should be the goal of everyone out there.
By working hard and living frugally, you can save and invest enough money to retire in your 30s or 40s.
There are several advantages to this.
I've been getting calls from the IRS.
Except they aren't really the IRS. Because they are calling me.
And because the one time I called them back, they answered. The IRS doesn't answer.
If they do answer, it's going to take a while. If you're getting calls from the IRS, it's not really the IRS, it's a scam.
You've always put cream and sugar in your coffee, but today is different.
You went to put that second spoonful of sugar, and you stopped halfway through.
You only put one and a half today. You're not sure why, and you're not sure if it matters. It does.
It matters more than you would ever know. That half of a spoonful could change your life, if you let it.
Accidents happen to the best of us. Some are relatively painless, others are incredibly painful -- not just in the emotional or physical sense but in the financial sense as well.
Take car accidents, for example. Even a minor fender bender can set your finances back months or even years.
How are you supposed to get back on track after an accident wipes out your emergency fund, increases your insurance, and leaves you holding what will likely be a substantial bill?
For one reason or another, after spending several years to decades in your current home, you may feel that the time is right to move on; maybe to a new neighborhood, a bigger house or even a smaller one.
The most important thing at this point is to get the best return on investment on your house.
Home improvement has, more often than not, proved to be the difference between a modest return and the handsome return that you expect.
You may need to invest on a few fixes around your home to spruce it up.
Here are five quick fixes that will do well to add value to your house and ensure a huge return.
Here's the latest and greatest articles I've found this week.
I've enjoyed adding the "in the news" section for the most part.
I've never "enjoyed" reading the news, because it's always so negative.
You may see some slightly negative articles listed, but I try to stick with the positive.
These are 25 extremely valuable productivity blogs that I highly recommend. It took me weeks to compile and write this list.
These are 25 blogs you should at least be subscribed to. I'm going to give you a brief summary on each blog, as well as their focus. And no, I'm not getting paid to include any of these.
I changed the way I'm doing my Weekend Reading articles.
I'm still doing money and productivity, but I'm adding an "in the news" section.
The idea is that I can browse through thousands of articles each week. Yes, literally thousands.
And I can find the best money and productivity articles, and also the most interesting/useful news stories.
We all know that 90% of the news is useless, so I'm going to funnel what I what. Just for you. Because I love you.
This sounds like a clickbait title, but hey, at least it's not a list post. Hear me out though.
Honestly, it's hard to name something in the few words you get with an article headline.
Especially something like this that requires an explanation, regardless of how simple it sounds.
The thing is, there is one productivity tip that is the most effective way to get stuff done, but it's rarely talked about, and I can't explain it in a headline, so I'll explain it in this 3-minute-read.
Regardless of the advice given, or the plan followed, not everyone is going to get rich fast. In fact, not everyone is going to get rich. This is a self-evident truth considering the obvious and undeniable fact that most people alive on the planet are not wealthy. So it has been throughout history . So it will be for all our tomorrows.
Also a part of the unending cycle of life is the fact that the rich get richer. The poor get poorer. And the middle-class are more frustrated than ever. They are desperately afraid of dropping a level. No matter how hard they try, they can't get to the next level. They are painfully aware of how precarious their position is, without the ability to do anything about it.
While money doesn't grow on trees, there are always simple savings that don't involve major lifestyle changes. Here are a few that may have slipped your mind.
Multitasking was once viewed as a coveted skill. Like computers, humans were expected to be able to perform five tasks at once without slowing down. Phone calls, emails, filing, etc, etc. The more we do at once, the faster we can be at completing those tasks.
That dream of a perfect multi-tasker was short lived. Studies came out suggesting multitasking was the bane of productivity, and evidence proved that cognitive ability - also known as IQ - lowered significantly when employees overburdened themselves with too much work at once. Our electronic-heavy offices were also contributing to the lack of productivity among workers. As a 2009 study with Stanford University found out, workers that “are regularly bombarded with several streams of electronic information do not pay attention” and are less likely to recall that information soon after.
So began the demonization of multitasking; but it should not be discredited so thoroughly.
Whether it’s the local pharmacy, ordered in bulk, or through the mail, the fact is you have a lot of options for where to get your razors these days. The answer to your shaving prayers however, may just have been hidden in plain sight all along.
It is a remarkably brief period of time between graduation and mid-life crisis. Your first duty is to get a job, then another job, then the one you will have for the next phase of your life. Along the way, you collect a family, one health scare, and some manageable debt.
The first grandkids and the first grey hairs show up suspiciously close together, along with the first sign that the aforementioned debt is not quite as manageable as you thought.
That is when you start coming to grips with a few hard realities: You’re forty something. Your knees hurt for no good reason. Print is starting to get smaller. You have advanced about as far in your career as you are likely to get. Your marriage doesn't seem to be getting better or worse.
Financial investing follows several straightforward principles to ensure your investments increase in value.
To put it simply: you make sure you understand what you invest in, you don’t put all your eggs in one basket and you never risk more than you can afford to lose.
However, the world of investing is a little bit more complicated than that and it is easy to make mistakes when you first start out.
In this post, you will be introduced to five common investment mistakes and how to avoid them.
Saving your first $1000 emergency fund can be difficult.
You may be in debt, and barely making ends meet, and then you start a plan like Dave Ramsey's "Baby Steps," and the first step is to save $1000.
You're thinking "I can't even pay my water bill, how am I supposed to save $1000?"
Well, I'm not going to say these ways are easy, but they are effective, and if you're willing to put in the work, you can get $1000 saved very quickly, Anyone can.
Technology can open up many opportunities in today’s world, but it still requires us to make a commitment to what we want from life.
In my case, I used technology to work remotely and travel. While the internet is a great means to do that, it was ultimately up to me to ensure the work got done, even though I felt like I was on holiday.
So you’ve come to the place in life where you feel it’s time to strike out on your own and to that I say, go for it, I’m all for independence!
However, before you take that momentous leap, take some time to ask yourself these 5 crucial questions just to make sure you’ve covered all your bases:
Happy Friday everyone!
I've been reading all kinds of things.
I've read a couple books this week, and over 20 book summaries on Blinkist - I still love that site.
Here's what I have for you this week.
Whether it’s living up to our potential, crushing our to-do list, or just trying to be our best selves, we all want to be more productive. But the idea of productivity can become a pit of guilt and self-recrimination.
There will always be more to do: more work, more steps toward our personal ambitions. You can stress yourself out for the sake of “being more productive,” while losing sight of what that really means.
So for the moment, forget being way more productive in the far future. How can you be a little more productive right now?