Why You’re Money Hungry But Still Poor as Dirt

money hungry

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When you’re money hungry it is easy to see ways to save and make money everywhere. It’s like seeing the world through those obnoxious dollar symbol glasses.

Unfortunately, the money hungry aren’t seeing the dollar signs falling from their glasses into their pockets. As cliché as it may sound when it comes to money it’s imperative we work smarter not harder.

Why You’re Money Hungry, But Still Poor as Dirt

This post has been written by Brandon from 30and0.com.

We can all agree that The Beatles are considered one of the greatest bands of all time, right? Once they hit the scene they set the music world on fire and outsold every artist that dared to hum a tune in the 60’s.

. . . → Read More: Why You’re Money Hungry But Still Poor as Dirt

The American Dream is Still Alive…You’re Just Not Doing It Right

the american dream is still alive

“The American dream is dead…” I’m hearing this more and more recently, and I honestly can’t understand it. From my viewpoint, the American dream is still alive – and not only is it alive, but it seems to me that pretty much anyone from anywhere can earn millions of dollars during their lifetime!

The American Dream is Still Alive…You’re Just Not Doing it Right

My name is Derek Sall. I grew up in a middle-class family.

My dad spent his days at the wood-working factory and then worked nights as a car dealer. My mom worked as a church custodian when I was young, and when I was older she took on a new part-time job as a hostess of a retirement home.

I think it’s safe to say that they didn’t earn hundreds of thousands of dollars a year. Yet, they were still able to retire in their . . . → Read More: The American Dream is Still Alive…You’re Just Not Doing It Right

7 Ways to Improve the Workplace

ways to improve work

When it comes to running a business, profits, customer service, and productivity should always be among your top priorities—but that doesn’t mean you and your employees can’t have fun along the way! If you’ve ever worked in a boring job isolated to a cubicle all day, then you know how soul-crushing it can be.

7 Ways to Improve the Workplace

Work can’t always be spreadsheets and phone calls; sometimes you and your employees need a bit of motivation (outside of benefits and a paycheck). Consider these helpful ways to improve the quality of your workplace to reinvigorate your workforce.

1) Catered Lunches

Your employees are sure to appreciate having one meal taken care of out of the week. Never underestimate the power food has to motivate people—a weekly company lunch can make a great incentive for employees to stick around and work harder. Many restaurants offer bulk discounts for large . . . → Read More: 7 Ways to Improve the Workplace

How to Keep Your Small Business Finances in Check

keep your small business finances in check

Running a small business can be incredibly fun and rewarding. It can also be very tough. If you’re not fully prepared for the adventure ahead, you’re going to get yourself into big trouble.

How to Keep Your Small Business Finances in Check

One of the most difficult aspects of all is trying to manage your finances. To ensure that your business thrives, it is pertinent to maximize your earnings and minimize your expenses. This can be far tougher than you could ever imagine. Within this in-depth guide, you will discover tips for keeping your small business finances in check.

Related: 14 Cheap Businesses You Can Start Today

Consider Selling Excess Stock And Equipment

There will undoubtedly be times when you run into financial difficulties. How you deal with those troubles will make a huge difference in your business. When you need to gain access to additional funds, you should consider . . . → Read More: How to Keep Your Small Business Finances in Check

Project House Update!! Photos, Expenses, and Projected Rental Income!

project house update - stairwell comparison

Liz and I have had a financial (real estate) plan since before we got married. It went something like this:

I pay off my house She sells her house We get married (and move into my house) Use the equity from her house and cash that we’ve been saving (this didn’t take long since we were both working and our expenses were practically nothing) to buy a cheap $80k rental house with cash Fix it up, rent it out, then save up another $80k (over the course of roughly 2 years) to buy another rental house…fix it up, rent it out Save up aggressively to buy our long-term primary residence – one with acreage, 4 bedrooms, and 2 bathrooms, and a nice barn for my wife’s future horses

So far, we’re doing pretty good! We’re on step 5, fixing up rental property #2 and hopefully finishing everything by the end . . . → Read More: Project House Update!! Photos, Expenses, and Projected Rental Income!

How to Recover Financially When You Get Into Medical Debt

recover financially when you get into medical debt

In 2016, a study conducted that 1 in 5 working age Americans with health insurance still struggled with paying their medical bills. Medical debt has also been cited as the #1 reason for people declaring bankruptcy in the United States. So how are you supposed to recover financially when you get into medical debt?

How to Recover Financially When You Get Into Medical Debt

This post has been written by our staff writer, Kimberly Studdard.

It happens to almost all of us. We’re be-bopping along through life, everything is going just fine and then BOOM, you slip on a sheet of ice and break your arm. Or maybe your kid gets sick with the flu and has to spend the night in the ER. Or heck, maybe you or your spouse are diagnosed with cancer… Stuff like this happens, and it leads to medical debt.

So what can you do . . . → Read More: How to Recover Financially When You Get Into Medical Debt

Wealth Comes From Where You Live…Not Your Salary

success comes from where you live

Want to be wealthy? Well before you start dreaming about luxury cars and huge houses, you might first want to take into account where you live. That’s right, wealth comes from where you live…and NOT your salary.

Wealth Comes From Where You Live…Not Your Salary

Have you ever known a doctor that owned a huge house, had a Mercedes convertible in the third stall garage, and cruised around the lake in a sweet boat on the weekends…but was in debt up to his eyeballs and a net worth of zippo??!! Well, they’d probably never tell you about their financial troubles, but there are plenty of docs that have a huge salary and absolutely no savings or investments to speak of.

Why is this?

It’s because a high salary does not equal wealth. Sure, it can help, but just because you make a lot of money at your job doesn’t mean . . . → Read More: Wealth Comes From Where You Live…Not Your Salary

And the Winners of the Gift Card Giveaway Are………!!!!!

gift card giveaway lifeandmyfinances.com

Hey all!

Thanks again for reading this blog, sharing it with your friends, and for entering into the gift card giveaway from last week! It was awesome to hear from all of you in the comments section and to see a bunch of new email subscribers sign up!

In total, we had:

34 new subscribers, and 78 comments!!

I’d say that was a pretty good turn-out, so thanks for participating!

The Gift Card Giveaway Winners

I drew the names tonight (Sunday) and discovered the 5 lucky winners. These five individuals had the chance of winning:

$50 Visa gift card $25 Amazon gift card $25 Amazon gift card $25 Wal-Mart gift card $25 Wal-Mart gift card

And the winners…in the order of these fabulous prizes were:

Melissa P Amanda G One Frugal Girl Joe (from the comment on March 17th) Cynthia R

Woot woot!! Congrats all! I’ve already emailed the winners, . . . → Read More: And the Winners of the Gift Card Giveaway Are………!!!!!

Laziness – Your Financial Superpower??

financial superpower laziness

Laziness is often seen as the mark of an underachiever. A person lounging on a couch while the world passes them by. A sweaty brow and calloused hands are sure marks of success. We can will ourselves to a brighter tomorrow if we only commit enough energy.

But you know what? That lazy person has discovered their financial superpower and is blowing past you.

Laziness – Your Financial Superpower

This post has been written by Brandon from 30and0.com.

When I was younger I was stressed out about a test that I had to take and sought out a teacher for advice. The teacher told me something that I live by for tests to this day; most of the time anyways.

“Trust your first instinct on the answer. If you go back and correct yourself, you usually get the question wrong.” -Instructor Exposition

The idea is that the extra . . . → Read More: Laziness – Your Financial Superpower??

13 Reasons You’re Still Not Investing For Retirement…and How to Fix It!

still not investing for retirement

1 in 3 Americans have $0 saved for retirement. Well that’s a pretty scary stat! Unfortunately, there’s more where that came from! Did you know that 56% of Americans have less than $10,000 in their retirement?? 56%??? Yikes!

It seems like no matter how many financial advisors scream from the rooftops about the importance of investing, there are still plenty of people that are just not saving for their retirement.

13 Reasons You’re Still Not Investing For Retirement…

So what gives?

What is so important that people can’t scrounge up a few bucks a month to put toward their retirement funds?

1) Believe They Don’t Earn Enough to Invest

The median household income is $57,617 per year. After you take out living expenses, vehicle costs, food, and clothing, there’s honestly not that much left. Heck, once you start thinking about investing, something else seems to break that costs you thousands . . . → Read More: 13 Reasons You’re Still Not Investing For Retirement…and How to Fix It!