BlogBrowse almost 1,000 articles on money and productivity.
If you want to own a home but just can’t seem to get the capital together for a down payment, don’t have the income to carry payments or don’t have the credit history to get the loan, you might consider purchasing it with a friend.
Two incomes are certainly better than one, and you’ll probably have a better chance if you have another strong candidate applying with you.
People buy houses with friends all the time, and while there is nothing inherently bad about it, you should consider a few things before taking the plunge.
I came across 9 thing to make this your most productive week ever.
Who wouldn’t want to make this week the most productive week ever?
Doesn’t that just sound awesome? It’s actionable. It’s applicable.
I wanted to make sure these ideas were all as effective as they sounded.
So I tried this entire list for several weeks and got some awesome results. I included a small note after each number to tell you exactly what I learned about each one.
At a bare minimum, you must try #8. This was an eye opener for me.
Now it’s something I add to my schedule every week…
When I see a book about making money, I’m tempted to buy it. Every time.
I’m always interested in finding ways to earn extra cash and I like to find new ideas to write about.
I’m even more of a sucker for books about making money from home.
Who doesn’t want to know more ways to earn money sitting in their pajamas, instead of commuting for hours a day?
I’ll be honest, I’ve read some terrible books about working from home. In fact, it seems like most of the books I’ve read about working at home were exactly that…terrible.
I’ve seen tips like “start a business” or “create a website”. Wow, that’s a great idea, except they didn’t explain how to do either one or where to find more information about getting started. It’s way too generic and broad.
Finally, I’ve found a breath of fresh air in a sea of money-making mysteries. In other words, I’ve found a darn good book about earning money from home…
You may think the key to having more money is earning more money.
But before you get a 2nd job, you should look at your expenses.
What can you cut? What can you eliminate?
In America, we are famous for labeling our “wants” as “needs”.
So, which areas should you be cutting back on?
To start, here are some ideas to save on communication, food, utilities and insurance…
Cloning simply means to create duplicate of anything.
The term IT Cloning was derived from the biology term “cloning” where clone of any animal can be created using any particle of the animal.
But IT cloning refers to the duplicity of any website or application in terms of its design and functionality.
Clone websites don’t use the code of the original one. Developers design it from scratch using their own code.
IT cloning has become very common and it can be seen in our daily life, with companies like Airbnb & Wimdu, Flipkart & Snapdeal, Alibaba & Amazon, Snapchat & Bolt, Whatsapp & Telegram etc…
Now the question is “How are clone websites more benefited than original websites?”
I think a real life success story can explain it in a better way…
October has been a huge month for MoneyMiniBlog.
hoping you’ve noticed the fresh new look.
The re-designing process was a lot of work, but it was worth it.
I’ve been doing more than just working on this new design.
I’ve been writing a new book, creating even more great content on money and productivity and, most importantly for this article, I’ve been reading articles from all over the web.
Allow me to wrap up October’s best articles on money and productivity and put them together for you in a nice little package…
Do you drink coffee everyday?
If you’re over 18, you probably do. Statistically.
Over 50% over Americans (over the age of 18) consume coffee on a daily basis.
You may be the kind of person who gets cranky when you don’t have your coffee, or you may be able to go without it.
Either way, if you drink it everyday, you are sabotaging yourself from the benefits you could be getting from that age-old energy booster known as caffeine.
Here’s how you should be doing it…
Should you save for your children’s education?
A better question is “should you invest for your children’s education?”
There is a simple cut and dry answer here…it depends…it’s really up to you.
Did I say cut and dry? Forgive me.
You are not obligated to pay for their college. It’s not your responsibility as a parent.
However, it is nice to be able to help them out. Here are the best ways to do it…
Some people are planners and some aren’t.
Which are you?
Chess players are counted among the world’s greatest planners as they not only have to think many moves ahead, but have to come up with alternative plans if their opponent doesn’t move as anticipated.
This advance planning is similar to the strategic thinking needed in order to stay ahead when the financial markets don’t behave the way you hope they would.
Even if you’re not a chess player, chess can teach valuable financial lessons and help you become the grandmaster of your money…
We all have our habits. Positive and negative.
Habits are like compound interest. They can be our best friend or our worst enemy.
So, how do you create positive habits?
How do you get them to actually stick?
Here is the most effective way to create and stick with new habits…
I have a friend who owns a farm in Missouri.
Investing is not a science: it is not possible to put your portfolio on autopilot and just watch your money grow, Grow, GROW.
There is no one fixed, guaranteed path that leads to investment success.
However, there are certain paths that will lead to guaranteed failure.
Before you know what to do, you must first know what NOT to do.
I’m going to go over 4 common mistakes the investors make…
The average person spends 9 years of their life watching TV.
That’s just from watching TV a few hours everyday.
But that’s not you, right? I mean, you don’t spend hours and hours in front of the TV.
That’s unproductive and a waste of your time…and you know it.
But what about Facebook? We spend 700 billion minutes on Facebook every month, across the world.
And then considering that we spend 174 billion minutes on YouTube each month, it’s hard to imagine that there is any time left. I think we all remember the first time we logged onto YouTube. Those suggested videos in the sidebar will get you…and keep you…for days.
As you will see in a moment, I used to waste hours everyday without even realizing it.
Here is how I figured out where my time was going and how I took control of it…
Who doesn’t love shopping on Amazon?
It’s hard to beat the prices, but what if I told you that you can do better?
I’m not talking about shopping somewhere else.
I’m talking about better deals where you already shop. On Amazon.
Here are 9 tools to become a master shopper on Amazon…
Are your student loan payments too much to handle?
Don’t worry, because you’re not alone.
As of December 2012, only 54% (20 million) student loan borrowers, out of 37 million were actively repaying their student loans.
If you’re overwhelmed by your student loans and need to lower your monthly payments, here are 5 student loan repayment programs that can help:
How much time do you spend dealing with email? Too much?
You really don’t have to. Don’t let email steal your time.
There are ways to get organized and decluttered. And there are great tools out there to help you along the way.
Some things you are doing may be completely unnecessary and you can just cut them out all together.
Read on if you’re tired of letting email steal your time…
MoneyMiniBlog 2.0 is here!
Every Monday, I’ll post an article to help you with your finances.
Every Thursday, I’ll post an article to help you be more productive.
Also, be sure to check out my new about page, while you’re here.
Let me know what you think of the new design and layout.
I’ve been putting together a list of the principles that this blog is founded on. Without further ado…
These are the 20 financial principles I’ve compiled over the last year…
If you’re like me, you are always finding ways to be more productive.
Increasing your productivity is one of the quickest ways to accomplish your goals.
If you want to get better or learn about something new, you will need to “buy some time”.
We all have the same amount of time in a day.
It’s about how we use that time…
“Education is what you get from reading the small print; experience is what you get from not reading it.” -Lonnie Rashid Lynn, Jr.
Insurance is filled with small print and big consequences.
Sometimes it’s about reading between the tiny lines.
Nobody likes reading it, but it’s important. Why else would they make it so small?
Insurance policies are fun, right? Sure they are…
Well, at least the good news is that we don’t have to read them very often.
So why should you be reading them? What should you be looking for?
There’s no debating the fact that being self-employed offers quite a few benefits you just don’t get with a conventional job.
You don’t have that pesky boss looking over your shoulder all the time, you get to make your own decisions about the direction of the business, and if you work from home you don’t even have a commute.
Of course, there are always negatives to balance things out, and with self-employment getting a mortgage is often one of them.
However, just because you’re self-employed doesn’t mean you’ll never be able to get a mortgage.
It just means the rules are a little different…
As of 2012, the average amount of student debt accrued by graduating students reached nearly thirty-thousand dollars.
For these graduating students, debt is a fact of life that they’ll be dealing with for around a decade after leaving their old alma mater.
Student debt can be prohibitive for many students, and the snowballing interest of forbearance makes it a highly unappealing option.
However, there are ways to brace yourself, or avoid payment entirely, by planning ahead when it comes to how to manage student debt before it becomes a problem.
Here are three strategies to consider when a future of student loan payments is just around the corner…
The Real Estate sector may have suffered greatly due to recession.
But that’s all in the past.
Now that the economy is stable, many are now looking forward to investing in a new home.
This is why now is the time to consider working for the real estate and construction industry.
Not an engineer or architect? No worries!
You can still make money in this market by setting up your home inspection business. Want to know how to do this? Read the steps below…
You’ve watched people dump ice cold water on their heads.
You may have accepted the challenge yourself.
If you’re like me, every time you saw yourself tagged in a post on Facebook, you thought you were getting called out to take the challenge.
One of those times I was right.
I just took the challenge, but I didn’t donate to ALS. I’ll tell you what I did and why in a moment.
First, here is what you need to know about ALS and the ice bucket challenge…
Type “Why Co-Signing” into Google and you will quickly see the suggested searches start with things like:
“Why co-signing is bad”
“Why co-signing is a bad idea”
Have you ever co-signed for someone before?
Or have you ever had someone co-sign for you?
Let’s see why it’s so bad and what you can do instead of co-signing for a friend or family member…
Do you know the total credit card debt of the United States population?
793.1 billion dollars.
Now you know. And now you have a sick feeling in your stomach. At least, I do.
Does that mean credit cards are evil? Nope.
It just means people are
That’s the problem. Here’s how to fix it…
Do you invest in mutual funds?
They are a great way to diversify your money across a spectrum of companies and industries.
But what kind of funds should you be investing in?
Which one is better?
The bottom line is this:
Which type of fund will earn you a greater return on your investment?
Let’s take a look…
Do you play the lottery?
Everyone knows the odds of winning the lottery are unlikely, but exactly how unlikely?
First off, I am talking about the major lotteries here.
Namely, The Powerball and Mega Millions. Heard of them?
The odds are similar for winning both. Around 1 in 176,000,000.
Not too bad, right? Oh wait, yes it is.
In fact here are a total of 24 things that are more likely to happen than winning the lottery…
Remember when you were able to go months without spending any money at all?
It seems like it was somewhere in my childhood, but…it’s been a while.
We spend money. All the time. That’s life.
Why not make money while we spend? It’s very possible and here are 11 ways to prove it…
I am a huge fan of the envelope budgeting system.
I think it’s a great way to stay organized and keep your budget simple.
I have written several articles on budgeting.
I have even written on how to live without a budget.
Now it’s time that I show you what I personally use for budgeting.
I use Goodbudget (formerly EEBA). This is a website and a smart phone app. A digital envelope budgeting system.
There is a free and a paid version.
Let’s take a look at what Goodbudget has to offer…
MoneyMiniBlog 2.0 will be coming soon to a computer near you.
I have plans for creating a more useful, entertaining and informative website that’s clean and easy to navigate.
I’ll let you know what’s coming, but then I want to know what you want to see!
Here are a few of my ideas…