8 Things I Do Before 8AM

8 Things I Do Before 8am

It’s been proven. Early birds are more likely to succeed in their career than night owls, says the recent Harvard Business Review study. While evening people tend to be smarter and more creative, morning people:

are in sync with the corporate schedule anticipate problems better are more proactive have better grades in school, which means they… attend better colleges, and therefore… get better job opportunities

In other words, it pays to be a morning person. And I’ve seen it first hand.

8 Things I Do Before 8am

Tim Cook, Richard Branson, Michelle Obama, and hundreds of CEOs across the world all wake up before 5:30am. What for? To get a jump-start on the world, and I’m right there with them because it’ll help me succeed financially, physically, and mentally.

Here are the eight worthwhile things you’ll find me doing before 8am each morning.

1) Listen to a Dave Ramsey Podcast . . . → Read More: 8 Things I Do Before 8AM

3 Money Saving Challenges That Aren’t the 52 Week Challenge

Money Saving Challenges

One of the biggest resolutions on everyone’s list, and often the one that is rarely achieved, is saving more money. Everyone knows that it’s a great idea to save money, so why don’t more people do it? It’s simple, saving can be hard. But it doesn’t have to be that way. You can save more money this year and check off a resolution by trying out a few money saving challenges.

This post was written by the talented Kimberly Studdard. Enjoy!

3 Money Saving Challenges!

Now, these aren’t your typical 52-week money challenges. You know the one I’m talking about, where you save a certain amount of money for 52 weeks, and it equals to $1378 by the end of the year? Well, while that challenge isn’t bad, it’s easy to forget about and the money increases as the year goes on. This could mean that you are trying to . . . → Read More: 3 Money Saving Challenges That Aren’t the 52 Week Challenge

Uplifting Valentines Ideas That Don’t Cost a Thing

Uplifting Valentines That Don't Cost a Thing

You might think that Valentine’s Day is a made up holiday advertised by greeting card companies. But that doesn’t matter much if your significant other is counting on you to remember them on this holiday.

If you’re broke, or avoiding spending money while you pay down credit card debt (like my family), don’t panic. There are still ways to make your special one feel loved without spending money.

Let’s look at some ways you can fill their love bucket without emptying your wallet.

This post was written by Jamie Jeffers, our amazingly talented staff writer!

Plan Ahead

If you plan to have a no spend Valentine’s Day, don’t spring it on your sweetie at the last minute. Take time to discuss this in advance. Make sure both parties are on board.

And no “gotchas” allowed. It’s no fun to go into a holiday thinking you’ve agreed to not spend . . . → Read More: Uplifting Valentines Ideas That Don’t Cost a Thing

6 Reasons You Should Avoid Buying a Huge House

Avoid Buying a Huge House

Ahhhh, the American dream. Find a great job, make bank, and buy a massive house that brings a smile to your face every time you pull into your driveway. At least…that’s what we think the American dream is, until we actually experience it.

6 Reasons You Should Avoid Buying a Huge House

In 1950, the typical home size was 1,000 square feet and housed the average family size of 3.37 people. In 1970, the home size rose to 1,500 square feet for 3.14 people. And, in the year 2000, the average house size jumped to 2,200 square feet! And guess how many people live there? 2.62…

Basically, we Americans have decided that we need more than twice the space to house 1/3 fewer people…

I mean, I get it. Big houses are cool. They look prestigious from the road, they give you more wide open spaces inside, and when your . . . → Read More: 6 Reasons You Should Avoid Buying a Huge House

How to Apply Maslow’s Heirarchy to Your Money This Year

Hierarchy of Needs

You might vaguely remember your psychology teacher talking about Maslow. He pointed at a picture of a triangle as you nodded off in the back of the school room.

But that triangle might mean more than you think. Today, I’ll give you a refresher course on Maslow’s Hierarchy of Needs and tell you how this applies to your money. If you’re missing a rung in this ladder, this might be the “aha” moment you’ve been seeking.

This post has been written by Jamie Jeffers, our talented staff writer. Enjoy!

Maslow developed his needs theory in the 1940s and 50s. Psychologists, teachers, businessmen, and others have used his theories to help motivate people ever since.

The theory is often portrayed as a pyramid with a wide base. The bottom needs should be fulfilled first. Without basic needs being met, it will be harder to motivate someone to care about the . . . → Read More: How to Apply Maslow’s Heirarchy to Your Money This Year

How to Have a Healthy Conversation About Money with Your Spouse

Have a healthy conversation about money

Whether you’re preparing to get married or you’re celebrating your silver wedding anniversary, money will always be a challenge in your relationship. It can be the source of hurt, but it can also be the source of enormous growth. That growth begins with one healthy conversation about money at a time.

Did you know that the number one source of conflict in the first few years of marriage isn’t in-laws, children, or religion? It’s money.

Also, the more debt brought into a marriage, the greater potential for strife. How many young couples do you know who are crazy about each other, but they’re tying the knot with six figures worth of combined student loan, credit card, and/or auto loan debt?

Perhaps that describes you? Now, you may be wondering how you’re supposed to tackle such a mountain, let alone develop healthy communication skills about finances. Here are seven nuggets of . . . → Read More: How to Have a Healthy Conversation About Money with Your Spouse

6 Reasons to Start a Blog in 2017

Start a Blog in 2017

It’s time to stop making excuses. You know that you’ve wanted to start a blog for years, but you’ve continued to tell yourself the following lies:

I’m too busy It costs too much money Nobody’s going to read my stuff I can’t build a webpage – I can barely log into my email!

Lies, lies – every one of them! In fact, let me quickly dispel them one at a time here:

I’m Too Busy

How many hours of TV do you watch per day on average? 2-3 hours? Cut your cable and subscribe to Netflix for $10 (if you MUST watch something). There, not only did I just free up 20 hours of your life each week, I saved you $100 a month.

It Costs Too Much Money

Starting a website costs just $23.88 for your entire first year. That’s less than $2.00 per month. I’m pretty sure you . . . → Read More: 6 Reasons to Start a Blog in 2017

Run Toward What You Love, Not Away From What You Hate

Run Toward What You Love

There’s an epidemic going around the blogosphere these days. Its basic premise is this: “Work hard for just 5 years at a job you hate, save up a ton of money, and then you can quit and retire forever.”

It’s spoken by individuals like Mr. Money Mustache and Jacob from Early Retirement Extreme – not to say that they’re lying, they’ve actually done it. They’ve scrimped and saved and invested heavily (and I mean EXTREMELY heavily – like 75%-80% of their income), and they’ve been able to retire long before their 40th birthdays.

Good for them.

But is this the best route for you? Should you be working crazy hours and having no fun today so that you can simply escape your hated life? Or is there a better way to go?

Run Toward What You Love, Not Away From What You Hate

I enjoy writing Sunday posts on my . . . → Read More: Run Toward What You Love, Not Away From What You Hate

How The Debt Snowball Really Works (Free Tool Included For YOUR Debt Snowball!)

The Debt Snowball

Want to get out of debt fast? Then commit to the debt snowball.

You might be thinking, “Oh yeah, yeah, I’ve heard of the debt snowball. It makes sense – you pay off your debts one at a time until they’re gone. I got it.

No, you missed it. You missed it entirely.

How the Debt Snowball Works

The debt snowball is about more than just paying down your debts one at a time. There are three major elements to the debt snowball:

Your initial lump-sum contribution Your contribution each month Laying out your debts – from smallest to largest

And you know what? Interest rates have pretty much nothing to do with the debt snowball. Do you know why? Because paying off debt is 80% emotional and 20% logical. Paying off debt is more about immediate progress than it is about math. All you nerds out there, just trust . . . → Read More: How The Debt Snowball Really Works (Free Tool Included For YOUR Debt Snowball!)

5 Things That Throw People Into Debt (and How to Avoid Them)

Avoid Debt

No one wakes up one day and decides to go on a spending spree, ready to max out all their credit cards at once. While that might make a good reality show, it’s not the reason Americans owe $12.12 trillion in debt.

We can argue about “good debt” versus “bad debt”. But the truth is most Americans owe money month after month. And it’s dragging down our ability to build wealth.

Our own family owes a variety of debt. We’ve got credit card bills, car payments, and student loans. It wasn’t done lightly, but from a sense of necessity (real or not).

So why are so many people in debt? It’s because they react rather than prepare. They know they should be saving for a rainy day, but the sky sure looks clear right now! There’s no sense of urgency without an emergency.

Just as we study history to . . . → Read More: 5 Things That Throw People Into Debt (and How to Avoid Them)