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You are your child’s first teacher.
We need to be instilling the “right mindset” even if we don’t have all of the “right information”.
Start instilling the right mindset by watching what you say and possibly changing what you say.
These are 4 things that you should never say to your children about money…
There is a word.
A word that you have heard me use many times.
A word that has changed spending, saving and investing.
What is the word, you say?
Don’t pretend like you don’t know. The word is…
You have heard the term 401(k) before.
You know it has to do with retirement.
You may even contribute to a 401(k), but do you fully understand it?
It’s simple to understand what it is and how it can help you.
Let me explain…
Handling money. Getting out of debt. Credit cards. Buying a house.
We learn all about it in school, right? Not so much.
Personal finance is a topic often forgotten in our school systems.
Why is that? Government conspiracy, perhaps? Not enough time in the day?
Honestly, it doesn’t matter and you can’t change what you weren’t taught, but you are fully capable of changing what you teach yourself and who you listen to.
That’s what this is about…who you listen to…
This is a list of 18 one-sentence tips that will drastically improve your finances. These are quick tips, but they will surely make a huge improvement if you take them to heart.
Remember, just because you have heard some of these before, doesn’t mean you actually absorbed it. Read the list slowly and see if you can implement some of these, especially things that you may have “already heard”.
Hearing alone doesn’t help. It’s about acting and implementation.
Without further ado and in no particular order, here are a total of 18 One-Sentence Tips for your finances…
This is a great infographic that explains the things that are stealing your time and your productivity.
Here are some of the things that could be killing your productivity:
- Your email
- Your desk
- Other people
- Impossible to-do lists
What can you do to fix it? Read on…
Do you remember the things “you used” to be able to do?
What about the things you “used to” have?
This applies to your finances, but it also applies to almost every other area of your life.
So let’s get to the point.
Stop talking about the past and start living in today. How often do we hear things like this…
Do you want to be more productive?
Do you want to make the most out of the time you are given everyday?
I know I do. I am always looking for ways to become more productive.
What about productivity in your finances?
It’s productivity week here at MoneyMiniBlog and I was fortunate enough to be able to interview the Productive Superdad himself: Timo Kiander.
Let’s see what he can teach us. Here is the interview…
It’s tax refund time again!
You have been waiting for it, now you have it, and you want to use it to get closer to your goals instead of blowing it. How responsible of you!
If you don’t plan how you will spend it, then it will just slowly disappear in your account, right? Well, if you have a budget, that shouldn’t happen, but you definitely need a plan for that money.
Before you get to the 33 ideas, here is another perspective…
A DRIP (Dividend Reinvestment Plan) is great for the small investor.
If you personally want to invest, but feel like you don’t have enough money, a DRIP is a great starting place for you.
You don’t need very much money to get started and you don’t have to keep pouring large amounts of money in.
This following article is a guest post by Michael Vincent. You can read more about him at the end of this article.
Most people, if asked about their financial goals, would instantly say they want to be rich, or to have the financial freedom of being able to buy or pay for anything their heart desires. Saving money is rarely ever on the top of anyone’s list.
Investor Warren Buffett himself strongly believes in the value of saving, despite having billions of dollars to his name. You might want to pick up a pointer or two from one of the world’s richest men…
There is a popular phrase that is poisoning our minds when it comes to how we think about money.
Are you dooming your finances to fail by using these words?
I’ll cut to the chase, the phrase is:
“I can’t afford it”
It’s usually used as an excuse and it looks like this…
What do you do when somebody comes up to you on the street and asks you for money? How do you respond?
Do you give it to them?
Do you say “sorry, I don’t have any money” (even if you really do)?
Do you hesitate to give, because you feel like giving money to someone on the street, whether they are panhandling, begging or homeless, could be enabling their “habits” and not actually helping them?
Let’s talk about the last one: enabling their bad habits…
Love them or hate, credit cards are everywhere, but where did they come from?
When were credit cards invented and why?
Did companies ever imagine credit cards becoming what they are today?
We all know that most people who carry a credit card carry quite a bit of debt along with it, so let’s look into the original intention of the credit card.
This is a great infographic…
How often do you talk about money in your home? What do you teach your kids about money?
Money can be somewhat of a taboo subject. The worse-off someone is financially, the more they don’t want to talk about money and that can make things even worse.
Financial problems don’t just go away by not talking about them.
You’ve heard “the first step to recovery is admitting you have a problem”? That applies to money too!
Don’t be afraid to talk about money.
Bitcoin is a new term compared to most other forms of currency.
Bitcoin is now a real and fairly popular currency, so you should probably know a little bit about it.
When you ask Google what Bitcoin is, this is the first thing you will get:
“Bitcoin is a peer-to-peer payment system and digital currency introduced as open source software in 2009 by pseudonymous developer Satoshi Nakamoto. It is a cryptocurrency, so-called because it uses cryptography to control the creation and transfer of money.”
Basically, a bitcoin is…
You’ve probably seen the commercials. Credit Karma claims to offer you a free credit score with no strings attached.
Is it true?
This is my Credit Karma review after using it for a few weeks and though I have only been using the service for a short time, I already love it.
When you think about being responsible with your money, a budget may be one of your first thoughts. In my Beginner Series, I tell you, point-blank, that you need a budget.
Can you really live without a budget? The title of this article makes it seem like I was misguiding you when I said that you need a budget, doesn’t it?
These tips are actually a collection of 15 great articles on making money from around the web. I personally read all of these blogs regularly.
I have read all of the articles listed and I didn’t include any junk!
There are actually way more than 15 tips in all of these articles.
It’s more like 15 resources with 100s of tips!
I tried my best to NOT include articles with generic tips. I’m sure you will learn something new.
Here we go…
You have probably heard a lot about penny stocks. I’m sure you have seen ads all over the Internet that advertise things like “Get rich with penny stocks!” or “Turn pennies into thousands!”.
Well unfortunately those ads aren’t very realistic.
I know, I know, it’s surprising to find something on the Internet that may not be true. Is it possible to make a lot of money with penny stocks? Sure. You can make money with anything if you are good at it or lucky, but it’s definitely not for everyone and it’s not really investing.
So what exactly is a penny stock?
This infographic from tribehr.com is full of interesting facts about women and men in the work place.
What? This doesn’t seem to be a politically correct topic. That’s because it probably isn’t, but I am OK with that.
This infographic is about the stats and it’s interesting to see them. Here we are going to look at several determining factors, such as:
- Growth of pay raise size
- Comparison of pay raises
- Recognition from peers
Here is the infographic, please don’t be offended, it’s just the stats!
The wealthy and the not-so-wealthy obviously have different habits. People come into their wealth different ways, but their habits are similar.
You may already have some of these habits. You could already be using some of them.
It’s also important to note that these are habits you should develop, which indicates that you may already have them, you just need to continue to develop them even more.
So, here are 3 of the habits that you need to take control of your finances…
Credit cards are becoming the go to way to pay. With everyone using credit cards, there has been a growing concern for your safety with using them. How do you know when your credit card information is safe and when it’s not? Is it safe to use credit cards online?
Read on to get some answers…
First off, let me clear something up. Using your credit card online can actually be safer than using it at brick and mortar businesses.
For example, one of the common ways people have their credit card information stolen is at restaurants since servers will often take your card out of site to charge it.
So how can you prevent that?
Technology can be an important part of our lives. After all, this is the information age. It’s important to not go broke when trying to keep up with technology, but it’s also easy to spend a fortune if you’re not careful.
Here are 3 tips to keep you up to date with technology, while keeping your finances in check…
First off, just hold on a second!
These are some little-known and some often forgotten ways to get cheap books and even free books. Reading is one of the most productive ways to pass the time and as they say:
Leaders are readers
Read on for 4 ways to get cheap books and free books!
But wait! Your Book May Already Be Free!
Before you buy a book, make sure it is not already free online. Many books that are in the public domain are available online for free…
When you go to buy your first stock, you may be a little confused about the terms involved. Especially the stock market order types. These are simple terms once you understand them and they may be highly beneficial to your stock portfolio.
The main terms you need to know initially are the terms for stock market order types. These are the basic ways you can order a stock…
So often, in talking to couples who have been married for over 10 years, I hear them mention that some of the funnest dates and the best times spent together were in the early years. Usually in the early years of your marriage, you are trying to make ends meet and learning to live together. So generally you are used to frugal living.
It’s not a secret that most young couples are usually living (or trying to live) a frugal life, but sometimes these years are taken for granted. Going on cheap dates and hitting up the dollar theater is actually a lot of fun. Sometimes getting out of debt can be just as fun!
If you are trying to pay off debt, then you should be trying to cut costs and pay as much towards your debt as possible. Temporary frugal living not only helps you get out of debt, but it can be a blast!
These are great quick date ideas for maximizing fun and frugality. Some are even free! Usually the more cost-effective a date is, the more quality time you spend together. Expensive dates tend to have distractions and attractions that take time away from you and your mate and focus more on the things you are paying for.
Is it really worth it? Sometimes, but often it’s not.
The dates below are great ways to save money and spend time together. Some of them involve using things you already have, like fuel in your car, food in the cabinets or other things at home, but the point is that you should be able to do these dates without coming more than $10 out-of-pocket…
Setting realistic financial goals is what separates the successful from the unsuccessful. Goals are good for every area of life, but setting financial goals specifically is important. The process of setting goals is just as important as having them, so let’s look at what it takes to set realistic and effective financial goals.
Determine Your Goals
Just like with any goal, a realistic financial goal needs to be specific, attainable and written. It will only hurt you to set a goal for an amount or a time period that isn’t realistic. It is very important that you write a specific goal, including all of the numbers involved.
All goals should be written.
You’ve probably heard the popular statistic: only 3% of people write their goals down and that says something about the small amount of people that stick with goals and achieve them. Putting goals in writing holds you accountable to the goal.
An ETF (Exchange-Traded Fund) is a fairly new invention and they are getting very popular. An ETF is similar to an index fund. It tracks a particular index like an index fund, but it is traded like a stock.
This means that an ETF has a ticker symbol and you can buy it by the share. Exchange Traded Funds can also track commodities such as gold and silver. This is a great way to invest in commodities with small investment amounts without holding physical assets. They also give you more liquidity than holding physical commodities…