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Personal Finance > Smart Spending Ways to save money at the supermarket: 1 of 66
My methods for saving money when grocery shopping may seem unconventional. They are grounded in real world experiment and observation, so please take heed. We spend $350 a month on all grocery-related items (including toiletries, etc) for a family of 4. We used to spend between $500-$600 for just myself and my wife. Of course... More..
Personal Finance > Budgets & Saving Budgeting 101: Setting up your budget: 1 of 26
One of the most powerful tools in any personal finance arsenal is a budget. Unfortunately, many people make it much more complex and difficult than it needs to be. As far as budgets go, simpler is better!START WHERE YOU AREThe sooner you take advantage of a budget, the sooner it will start working for you. A budget is not som... More..
Society & Lifestyle > Personal Morals & Values How to become a better person: 13 of 192
Morality is the core question we struggle with in striving to live with purpose. Morality is concerned with the alleviation of suffering and causation of joy, especially among our fellow human beings. May the following points serve you well as guides to a life of significance.Take Care Of YourselfThis is the foundation from w... More..
Personal Finance > Taxes Tax consequences of mortgage payments: 1 of 11
Having a mortgage on your primary residence is often touted as "the last great tax break for the common man." While that may be true, I would like to introduce you to a more fiscally savvy method of saving money in the process of owning your own home.Interest Tax DeductionThe interest tax deduction is cited as a great reason ... More..
Business > General Management Doing different tasks effectively: 1 of 7
Multi-tasking is a subject I'm passionate about. Passionate about NOT doing actually, whenever possible. This is the best time-management tip out there. Focus on this, and you will squeeze much more productivity out of your day.Let me start by identifying two types of multi-tasking, bad and required.Bad multi-tasking is worki... More..
Personal Finance > Investing Basics How young is too young to invest?: 2 of 13
SPENDING, INVESTING, AND GIVING SIMULTANEOUSLYLearning about the concept of money should simultaneously include lessons on investing. I would suggest as early as 5. Children understand more than we give them credit for. Teach them early and often, because they won't learn anything in the school systems about handling money wi... More..
Personal Finance > Smart Spending How to cope with being flat broke: 8 of 50
Are you broke, or are you poor? Broke is a temporary condition, poor is a state of mind.PARADIGM SHIFTThere may come a time when you suddenly realize that you are spending more than you make. It seems to sneak up on you, usually because you've been doing it for a long time, but suddenly those minimum credit card payments are ... More..
Business > General Management Managers: How to motivate your employees at work: 7 of 36
I recently studied Frederick Hertzberg's original article on his motivational theory, published in 1968 in the Harvard Business Review. The title is "One More Time: How Do You Motivate Employees?"I've heard about the theory before of course, vaguely referred to as the hygiene/motivator theory and it usually managed to earn ab... More..
Personal Finance > Managing Debt How to get out of debt: 16 of 68
PARADIGM SHIFTThere may come a time when you suddenly realize that you are spending more than you make. It seems to sneak up on you, usually because you've been doing it for a long time, but suddenly those minimum credit card payments are large enough that you are having to borrow more money in order to service all your debt.... More..
Personal Finance > Financial Planning Steps to financial independence: 9 of 36
JUST THREE THINGSDeliberate focus in conjunction with knowledge and executing a plan with discipline can create financial independence. DELIBERATE FOCUSThis refers to having written goals. It means discovering what you want and defining it clearly. What is financial independence anyway? It means having a source of income that... More..