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Dollar stores are interesting because they make their money by charging a dollar for everything.
So that means things that are typically $2 or $3 are only a dollar at the dollar store. That also means some things that are typically 50 cents are also a dollar at the dollar store.
Then there are stores like Dollar General, which isn’t really a dollar store at all, if you’re going off the “everything’s a dollar” idea. I suppose Dollar General just means everything is generally…close to a dollar, which is more accurate, but still a little shady if you ask me.
I want to be clear that this list is talking about dollar stores where everything is actually…*drum roll please*…a dollar. Dollar stores can save you money, but if you use them for all your shopping, you may be wasting some money. Also, it’s worth noting that some dollar stores accept coupons and that can be quite lucrative, so check into that with your local stores.
Here are 15 things you should generally buy from the dollar store and some ways to save even more money…
A couple weeks ago I wrote about the most important element of your productivity.
I talked about how energy is the foundation of your productivity. Without energy, you’re not going to do much at all.
Exercise is a big part of that. But a bigger piece of the energy puzzle is your diet.
How are your eating habits? Do they promote energy or diminish it?
If you want to adopt a healthier lifestyle and start eating better, I’ve got good news! It doesn’t have to be difficult and torturous. It’s actually quite simple. If you take it slowly.
Here are 5 ways to gradually adopt healthy eating habits over time…
I’m sure you know you should always read your insurance polices carefully.
Insurance companies like to make you think they are offering more coverage than they are. They also like to distract you from reading the fine print.
In fact, some insurance companies can completely drop your coverage just because you use it.
That’s right, in certain states, insurance companies are allowed to drop you if you file a certain amount of claims within a certain time period. In several streets, you only have to make two claims before they can decide that you’re not worth it and drop you.
Those are all great reasons to watch your insurance company like a hawk, but we’re actually not here today to talk about insurance companies. Yes, be aware of all of those things, but there’s something else you need to be aware of and pay attention to: your health insurance.
Yes you need to check your coverage and read the fine print, but who you really have to watch is not the actual insurance company, it’s the places that take your insurance…
When the calendar turns to a new year, it’s time to start thinking about doing your taxes.
Many people procrastinate on this process, waiting until close to the April 15th deadline to get going. There are many reasons why it’s a bad idea to wait to file.
The smart people get going as soon as possible, and they reap the rewards of early filing.
If you’re wondering whether you should get ahead of the crowd on your taxes, here are some pitfalls of procrastinating and a few reasons why it pays to get the ball rolling right away…
Now for the next list of 75 best books!
A resume is essentially a document for selling your skills and work experience.
However, if you directly jump to the work experience section from your name and contact information, recruiters will lose interest in your profile and it will leave a bad impact. Therefore, it is necessary to come up with a good introduction for a resume or CV (Curricula Vitae).
We all know the importance of the competencies and work experience section for a resume. But do we ever place the same importance on writing a good introduction? The answer is usually no.
This is one of the reasons why even a well written resume and a deserving candidate get no response from the recruiter.
A good introduction to a resume is as important as dressing well is for an interview…
I’ve read articles, books, guides…pretty much anything you can think of, but I’ve noticed there’s something that gets skipped over a lot.
This is probably the most important part of productivity, yet it’s usually mentioned in a sentence or two and then forgotten.
What is this mysterious piece of the puzzle? I’m glad you asked, let me tell you…
From Warren Buffett to Oprah Winfrey, there are some common traits in the habits of the richest people in the world.
And I’m not talking about the habit of inheriting a lot of money.
That seems to be one of the main reasons people think they can’t become wealthy. They think that the rich come from rich families and they never had to work for anything in their life.
Not true. At all. In fact, most of the richest people either work or have worked harder than any of us and that’s exactly why they are where they are.
As you’re about to see, 68% of the 400 Americans on the Forbes 2013 “billionaires list” are considered “self-made” billionaires. Meaning they built, rather than inherited their fortune.
That doesn’t really tie in to the belief that the rich didn’t work for their money. Of course, as we all know, the point is to make your money work for you, but sometimes that takes work in itself!
Let’s see what we can learn from the habits of the wealthiest people in the world…
It is a sad thing to consider, but not all that uncommon.
Sometimes a homeowner with a mortgage will die before the mortgage has been completely paid off.
Since mortgages can last 20, 30, even 40 or more years, a lot can happen to a person between the time they start and the time it finishes.
If you are worried about confusion with the house and mortgage if this happens to you or a loved one, here are some things to know…
Do you have “your” chair? Your favorite spot?
There are few topics that have as much written about them and as much contrasting information as investing.
Just knowing that is enough to scare most people away from investing at all.
Is it really that difficult? Do you really need to devote years of your life to studying the most efficient way to invest?
It would seem that way, but in reality, not at all.
The problem with most investing advice is that someone is profiting (or attempting to profit) from it.
Investing is actually much easier to understand than you may think.
You’re about to learn everything you need to know to be a successful investor…
If you’re a freelance worker of any stripe — writer, consultant, artist, contractor — you’re likely in the habit of keeping a close eye on your finances.
Personally, I ran into major trouble the first year I filed my taxes as an independent contractor. I felt intimidated by the level of organization required. Not to mention the jargon. “Schedule C?” “Pension distributions?” Uhhh…I’m a 25-year-old child over here, okay?
Doing my taxes was a breeze as a “regular” employee. Fill in the blanks, a couple quick calculations, stick a stamp on it: done. I learned I wasn’t alone (90% of taxpayers need help when the season rolls around). More importantly, I realized everyone has to start somewhere.
I’m definitely still learning, but there are a couple of things I’ve picked up along the way…
Let me guess. You have a to-do list and you add to it everyday.
You promptly go through each item and check it off, one after one.
By the end of the day, your list is completely empty and awaiting whatever tasks tomorrow holds.
Not so much?
Since you’re here, reading this article, I assume that it doesn’t go so smoothly. It doesn’t go so smoothly for me either.
You are constantly adding to your list and occasionally checking something off.
Enough is enough. When your to-do list is so full that you forget about things at the bottom, it’s time to change something.
Here’s how to completely clear your to-list today and start getting stuff done, without overwhelming yourself…
I love TED Talks and honestly, I don’t know anyone who doesn’t.
If you’re familiar with the TED videos, you know what I’m talking about.
They’re edifying, educational and full of wisdom.
My only complaint is that there are too many of them! Which is a very good problem to have.
I have been listening to TED Talks like crazy and I found these six that really stood out. I think they will change the way you think about money in many regards.
Hey everyone, I’m Josh…You may know me from CNA Finance, Modest Money, and several other personal finance blogs around the blogosphere. However, over the past few months, I’ve really changed my focus. Simply put, the community has really taken care of me. I live well, eat well, and enjoy the simple pleasures in life. Unfortunately, that’s not the case for way too many people in our community. So, this year, I’ve decided to focus on helping those in need.
Over the past month, my fiancé and I have started what we view as a movement, called Under The Bridge. Our main goal is to change the way we see the homeless community. The bottom line is that while these people may have some past issues, they are human and deserve love and respect.
And here’s what you can do…
A friend of mine told me about a business opportunity.
It was supposed to be “the online Walmart” (this was before Walmart had the online Walmart.)
A superstore filled with every product you could imagine. But there was a difference. This website would pay you to shop there.
It was like a loyalty program that actually paid you cash money to shop at their store.
In the pitch, I remember the speaker saying “if you could shop at two different stores for the same price, but one of them handed you a $5 bill every time you were finished shopping. Which store would you choose?”
I think the answer is obvious and I was sold on the idea, but just when I was ready to sign up, something unexpected happened…
When you’re trying to get good at something, always learn from the best.
Whether you’re just getting started with investing your money or are already a well-seasoned and sophisticated investor, you could always do with a few lessons taught by some of the best of the best in the financial world.
When most people start investing, their journey often begins with reading up about Warren Buffett. Buffett’s compounded annual return of about 20% over the course of his 50-year career, as Berkshire Hathaway’s chairman, is the stuff of legends.
But he isn’t the only one on the rich list who has made his fortune solely off the back of investments made over the years.
There’s a growing number of hedge fund managers whose talents have not only made them enormously wealthy, but also landed them on the prestigious Forbes Rich List. Many of these managers are billionaires and their investment styles vary greatly from the long-term value investing mantra of Buffett.
Here’s a list of the top 5 richest hedge fund managers and the lessons you could learn from them…
When my wife and I first got married, I was lazy…I mean really lazy.
It wasn’t just that I didn’t wash dishes or do laundry…I didn’t even take my dishes to the kitchen and my laundry piled up on my floor.
It wasn’t that I was busy, I was just lazy. You know the drill: TV, video games, internet, repeat.
Now, I work full time for the military, run 15 miles per week, lift weights 5 hours per week, write for an hour each day and still manage to help my wife with the dishes and the laundry. Did I mention we are a family of 6 and family time is also very important to us?
So, what changed? Did the military instill this discipline in my life? Not really…
Heart disease is a killer. So is type 2 diabetes.
Anyone can get these diseases, but you can greatly reduce your chances by eating a healthy diet.
So then why don’t we all eat healthy meals every day?
Well first off, because fatty, processed, high-carb food tastes great, despite how it makes you feel.
But it’s also about price, right? Eating healthy is expensive. But it doesn’t have to be.
Our family of 6 spends less than $400 on groceries each month. It wasn’t always like this, it takes strategy and planning.
Here are some unique things we have done that you can do too, to eat healthy and save money…
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…
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…
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…
Reading is one of the main ways we grow and learn.
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…
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…
We all want to read more, but it’s hard to find the time.
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…
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:
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…