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Top 5 Productivity Tips: Add More Hours to your Busy Day


As a business owner you seem to never have enough time to get all things done, and personal productivity is what differentiates successful people from others. There are a lot of ways to leverage more time out of your busy days and achieve surprising results, and I want to share with you 5 of my most basic tips to improve your personal productivity. Work Smarter! It’s a common misunderstanding that to increase productivity you need to work harder and for more hours. But what if I told you that you could achieve more in the same amount of time just by working smarter? Over the years I’ve found that you need good organization and focus to increase your output and achieve what you want ...

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Understanding 5 Common Financing Alternatives


Daily spending needs are commonly covered by cash on hand, creating a tangible relationship between the things you buy and the money leaving your fingertips.  In some ways, paying as you go represents an ideal money management strategy.  If the money isn’t in your pocket, the purchase must simply be delayed, until such time as you can cover the cost with cold, hard currency. As appealing as it may be, never going into debt beyond the money in your pocket isn’t a realistic long-term financial approach.  In practice, various forms of financing are commonly utilized, funding insignificant purchases, as well as monumental financial commitments.  Familiarity with wide-ranging borrowing alternatives is essential to financial success, ensuring you don’t overpay for the privilege or ...

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Nine Inexpensive Family Activities


A day out with your family and loved ones doesn’t have to cost you a fortune. There are many ways to have fun without spending a lot of money. Here are ten inexpensive family activities that will let you spend quality time with your family and save money at the same time. Movie night doesn’t have to involve emptying your wallet paying for tickets, popcorn, soda, and other snacks. Instead rent a family-friendly movie, pick up a box of popcorn and some drinks, and watch the movie together at home. You’ll still be spending time as a family, and that’s the most important thing. Turn dinner into a family project. Let the kids help set the table and get the drinks ready. ...

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Ways to Build and Rebuild Your Credit


Credit scores have become increasingly important in recent years and can affect everything from your eligibility for student loan refinancing, to the interest rate on your home-equity loan, to the premiums you pay for auto insurance. If you have damaged credit, you will be forced to pay hundreds or even thousands of dollars more than a person with a clean credit history. One of the best ways to avoid having to rebuild credit is to never let it go bad in the first place. One of the best ways to do this is to start building credit early. Utilizing a student credit card in college is a great way to start early (if it is used responsibly). No matter where you are ...

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The Secret to Financial Freedom


Despite what many people think, the true secret to financial freedom does not lie in a fat paycheck. While a cushy job with a huge salary is nothing to sneeze at, the fact is that many of the highest earners are also the most in debt. Financial freedom, and freedom from debt, has less to do with income than with attitude. Getting a handle on your spending and your borrowing is the key to controlling your financial future. Until you are able to control your spending and borrowing habits, you will remain at the mercy of your creditors, no matter how much money you make. In generations past, our ancestors were loathe to borrow money even to buy a home. The current ...

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Personal Finance is like Formula One Racing


I watched the movie Rush [link here] about the personal competition between two of the best race car drivers in the 1970′s.  The first, an American by the name of James Hunt, is a fast talking, high-living playboy with raw talent.  The other is Niki Lauda, a introverted, nerdy, Austrian driver who is more into statistics and probabilities than socializing. Niki is disciplined, quiet, determined and intentional about everything he does.  When he isn’t staying up late with this mechanics fine tuning this car, he is going to bed early and rising early.  He is in it for the long haul and is risk adverse (compared to the other drivers). At one point, he gets in James Hunt’s face says something to ...

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Having a Money Saving Plan


There was a generation or two that retired at 65 or even earlier and had enough money saved to take cruises and do other interesting things. That is not the present generation of working people. Social security is scheduled to run out all too soon and in the recent financial troubles, many people have lost money in their 401k retirement accounts. Unfortunately, the generation that is scheduled to run out of social security is the generation that has lived on credit and has not saved much money. To top it off, this is the generation that is likely to owe more on the house than it is worth. What a mess! One of the reasons we have lived on credit is that ...

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Steve Jobs Secret Role as CFO


I’m reading a book called Great by Choice by Jim Collins.  Like his past books like Good to Great and Built to Last, Jim explores what works and what doesn’t in business. It’s a great book and I’ll write about it more once I’m finished but one thing that stuck out to me is its summary of the financial changes Steve Jobs made when he went back to work at Apple in 1997. “They cut perks, stopped funding the corporate sabbatical program, improved operating efficiency, lowered overall cost structure, and got people focused on the intense “work all day and all of the night” ethos that’d characterized Apple in its early years.  Overhead costs fell.  The cash-to-current-liabilities ratio doubled and then tripled.  ...

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Getting Rich is Really Boring


Okay, maybe getting rich isn’t boring but I was trying to think of a catchy title and that’s all my little brain could come up with. What is my Point? The point of this post is that I’m a firm believer in the immense power of small, intentional actions performed over a long period of time. Hopefully the little rituals and habits in our financial life will build towards a life of wealth that will allow us to “live like no one else” (Dave Ramsey quote). For instance, I know that I have to do 5 things to have a wonderful day no matter what happens. Get up early (approx 5am) Work out (preferably early) Read a book pray or read my ...

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Understanding the Process of Making Money Online

Make money incomehoncho

Before you get started, it is very important to understand all the basics and the whole process of what you’re doing. You need to understand how you earn your money and where it comes from. I will now teach you the way I personally make my online income in a simple step-by-step explanation so it’s understandable for anyone. If you got any questions, please comment below this post and I will do my best to answer. Keep in mind that this is not the only way to make money online, but it’s what I personally consider to be the best. You never risk anything yourself, and you never rip anyone off. I focus on satisfied customers and a clean conscience rather than ...

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