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A Brief Guide to Quitting Bad Habits

There aren’t many of us who don’t have some bad habit we’d like to quit: smoking, sweets, shopping, nail-biting, porn, excessive checking of phones or social media, other distractions.


How to Successfully Start a Massage Therapy Business

If you’re looking for a unique way to make money, consider starting your own massage therapy business.

If you dislike a desk job and consider most corporate jobs dull and uninspiring, this is for you.

This is how to make your massage therapy business a success.


A Bill-by-Bill Guide to Saving Money on Monthly Expenses

Heat, water, electric and other utilities are all necessities, but that doesn’t mean you need to pay high prices for them.

There are a few things you can do to reduce the amount of money you’re spending on your bills.

Whether you’re living paycheck-to-paycheck (hopefully not!) or living comfortably, you still want to save money.

To help you lower your monthly costs, we’ve compiled a bill-by-bill guide, complete with tips on what you can do to put more money in your pocket.


Money and Productivity: Weekend Reading

Welcome to another Friday roundup of the best articles I’ve been reading.

Are you planning to use this weekend to do something really awesome? Of course you are!

Feel free to comment and tell me how you’re spending your weekend. We will be downsizing!


The Power of “Two Days in a Row”

I’m going to share a simple philosophy with you today. But the impact it will have on your life is HUGE, if you apply it. Take two minutes to read about it and start applying it right now.


5 Things You Need to Know About the Mortgage Forgiveness Debt Relief Act

Americans struggling with substantial mortgage debt that exceeds the value of their home have several options, including a short sale, foreclosure, or mortgage restructuring. Traditionally, any of these options that results in forgiving or discharging some of the debt on their primary home results in a form 1099-C, Cancellation of Debt, from the lender.

The IRS considers most forms of cancelled debts, including mortgage debt, as income for the recipient. This can mean a tax bill of thousands of dollars, even if you lost the home in foreclosure.

The Mortgage Forgiveness Debt Relief Act of 2007 was passed at the height of the foreclosure crisis, gives homeowners tax relief from this forgiven debt. Here’s what you need to know about the Mortgage Forgiveness Debt Act.


10 Effective and Practical Tips to Save Money While in College

Attending post-secondary education such as college or university can be very expensive and often time’s students are left with large sums of debt after they’ve graduated.

To avoid going into debt after your done your post-secondary education, I’ve created a short list of 9 handy tips to help you save money while in university or college.


How to Deal with a Backseat Driver

If there’s one thing I don’t like, it’s driving around town with my Dad when he visits. According to him, I brake too hard, sit too long at stop signs and drive (his words) like a grandma. Well excuse me for trying to be a safe driver!

Can you relate to this? There’s a term for people like this who have made it their mission to call things out as they see them. In the car, it’s called being a “backseat driver.” A backseat driver is someone who dispenses ‘helpful’ advice as you drive. It’s just that the advice isn’t helpful or useful, it’s annoying and distracting.


Money and Productivity: Weekend Reading

You may remember this article that we published.

It’s about things you should do in your 20s to be a millionaire in your 30s.

Whether you want to be a millionaire or not, those things will help you reach your goals.

So why am I talking about some random article?


4 Ways to Cut Down Costs on Holiday Home Decoration

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.


6 Financial Mistakes Young People Make

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.


3 Foolproof Pieces of Advice for Saving Toward Your First Million

“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.


Money and Productivity: Weekend Reading

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!


Habit Change is Like Chess

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.


4 Things to Negotiate When Taking an Auto Loan

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.


Money and Productivity: Weekend Reading

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.


5 Profound Truths That Newbies Must Know About Online Trading

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.


6 Steps You Can Take to Retire Extremely Young

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.


Money and Productivity: Weekend Reading

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.


Small Choices Don’t Just Matter, They’re Everything

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.


How to Recover Financially After an Accident

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?


5 Quick Fixes That Will Give You A Huge ROI When You Sell Your House

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.


Money and Productivity: Weekend Reading

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.


Weekend Reading: Money And Productivity

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.


The Most Effective Productivity Tip Sounds Stupid, But it Works

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.


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