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83 Ways To Be Smarter With Money While You're Still Young

83 Ways To Be Smarter With Money While You're Still Young

7 Rules of Wealth Building Part 2 Wealth Building Rule 5: Do Something You Love and Get Paid for It I remember going into college and being surrounded with people who wanted to be artists, scientists, and businessmen, but instead did what their parents or grandparents told them to do. There is no honor in being a doctor or a lawyer if you wake up every morning and hate your job. Wealth Building Rule 6: Understand the Money Myth Money is nothing more than a piece of paper with the image of a long-dead person on it. Wealth Building Rule 7: Your New Commodity is Not Your Labor, It's Your Ideas With the advent of the Internet and other technological advances, you are no longer limited to supporting yourself or making a living by your physical labor. More Information This article is part of our How to Get Rich guide for new investors.

How To&8230; - StumbleUpon Embed This Infographic <a href= ‎"><img src=" title="10 How Tos" alt="How To Infographic" border="0" class="nopin" /></a><br />Source: <a href=' title='Interesting Facts'><a href=' title='Interesting Facts'>Today I Found Out</a></a> 1) How to drastically increase the life of your shaving razor Before or after you shave (I prefer before so that the blades are dry), place your jeans on a hard flat surface; then run the razor up the pant legs about 10-15 times quickly; then repeat running it down the pant legs 10-15 times quickly. The threads on the jeans then will very effectively both fix any tiny bends in the blades that inevitably happen and will also sharpen the blades on your shaver cartidge. 2) How to make your teeth whiter Baking soda makes a good teeth whitener. 1.

Take Control of Your Budget Your credit score and report could make a difference of tens or hundreds of thousands of dollars in your life time. If you follow a few simple financial management rules that give you good credit, you will likely see a big discount on many of your future purchases big and small, like cars, a home or even a couch. You also likely won't be denied the opportunity to own your own home, buy a car, or even rent an apartment or get that new job. Why is that? Well, when you go to borrow a large sum of money for a mortgage or a car loan, potential lenders will want to see your credit report and your credit score. Together, they show potential lenders how risky it is for them to loan money to you, how much they should lend, and at what rate. Your Credit Score There are actually many versions of your credit score. To get your credit score, companies put the information in your report through a complex mathematical formula, and boom, out comes your credit score. Your Credit Report WHY IT matters

Connect With Your Intuition | Yummy Mummy Club | If you had access to a resource where you could find the answer to all of your questions, you would want it, wouldn’t you? The idea is not so far-fetched. You do have that resource—it’s your intuition and it comes from within. Intuition is a source of information that is reliable and available at your fingertips. I like to call intuition our internal guidance system. Our intuition gives us valuable information like, “Yes go for it.” or “No the timing is wrong.” Our intuition knows juicy information and it’s willing to share. Here’s a simple tool to help you connect with and understand your intuition. I call it the Yummy/Yucky tool. Reflect for a moment on something that makes you feel yummy. Now release that feeling of yummy and think of something that is yucky—scrubbing toilets, getting up at 5:00am or a trip to the dentist. Now you know how yummy and yucky feel. If you feel yummy, that’s your intuition giving you the thumbs up to go for it. Bring back the break with McCafé and YMC!

24 Quick Actions You Can Do Today That Can Change Your Financial Life Forever Note: This is a post from Adam Baker, founder of Man Vs. Debt. Last week, while I was talking about our new You Vs. Debt class, we touched on the “status quo” of our Upside-Down Nation. We talked about our obsession with the debt-fueled life path and how it’s keeping millions trapped. But talk is cheap. I’m much more interested in action. And this week, I want to do my part to shatter any excuses or justifications you may have. I took the time to provide 24 different options. Sure, there’s little chance all will be viable for your situation. I’m asking for one. Do it. Action #1: Pull Your Credit Report (10-20 minutes) Simple steps: Visit Annual Credit Report – Visit How this can change your life: When we first pulled Courtney’s credit report, we were saddened to find she was a victim of identity theft. We had better luck with my credit report, however I did discover a $200 collections account I didn’t even know existed! Action #3: Get 1 paying client (15-35 minutes)

Murphys Law Calculator - StumbleUpon Murphy's Law Calculator From a formula for * Sod's Law provided by British Gas: ((U+C+I) x (10-S))/20 x A x 1/(1-sin(F/10)) "anything that can go wrong, will go wrong!" Find out in advance whether you will be able to successfully repair your VCR, get to a meeting on time, impress your date, or be a success at any activity whatsoever ! Score: 5.492 Risk Factor: 16371.9 You have a 54% chance of screwing this up at least once ! You can minimize your risk by reducing the urgency (planning ahead) You can minimize your risk by having a backup plan (redundant circuitry, alternate route etc.) British Gas commissioned Dr David Lewis, a chartered psychologist; Dr Keylan Leyser, an economist and business consultant; and Philip Obadya, a mathematician, to devise the formula. Murphy's Law Links: Note: Murphy's Law has long been known in the UK as "Sod's Law".

Find the Power in Tracking Your Expenses One of the reasons budgets fail is because a crucial first (and ongoing) step is missed in the budgeting process: tracking your expenses. If you don't know what your starting point is, then there's little chance that you'll be able to harness your cash flow to your benefit. Here are a few tips to help you track your expenses effectively, then transform your current cash flow into a well-oiled budgeting machine. Step One: Don't Budget As funny as it sounds, your first task in creating a budget is not to budget. exorbitant to begin with). This gives you a realistic starting point, and a benchmark upon which to build and track your budget going forward. Use a Spreadsheet (or Equivalent) Each time I whip out my wallet, I record the money I spend in a notebook that I keep in my purse. So create a spreadsheet that allows you to analyze your data, past and present. You can create a separate spreadsheet tab for each month, or you can record all the data on one sheet, using running totals. Be Honest

Top 6 Sites that Inspire and Educate & Life Scoop - StumbleUpon If you’re a professional who likes to be intellectually stimulated and you enjoy keeping up with the latest news and breaking trends, the internet provides you with an endless choice of carefully curated sites to visit. Today, we bring you six of them that we believe are leaps and bounds above the rest. These sites will not only educate you on topics ranging from business and technology to art and design, they’ll motivate you to find your own, original ideas and see them through. They’re culturally relevant, they’re idea driven and most of all, they’re deeply inspirational. TED is short for three incredibly important subjects in our modern world; technology, entertainment and design. Tip: Download TED’s free iPad app to browse through 800 videos by date, popularity or keyword. 2. Brain Pickings started from very humble beginnings. Tip: With over 63K Twitter followers, Brainpicker has a strong audience…and for good reason. 4. 5.

Building a Household Budget: Where to trim the “fat” "A necessary evil" is a quote from one article I read about setting up a household budget. I agree. Making a budget is not a fun job, but it really helps control household expenses. Every business has a budget; a household should be treated the same way. Making one puts you in better control of your money and also makes it easier for you to find places to save throughout the year. Some items don't change much (rent or mortgage payment, insurance, taxes), but some line items can vary from month to month. My husband and I are working to set up our annual budget and to find places to save more money this year. Here are some tips for setting up a household budget and where to save money: Use budgeting tools. My new motto is "More Fun, Less Stuff." Related Links: Budget Billing is Right for You Using Coupons; How Much Can You Save? Simplify to Save - Chores, Car Repairs & Shopping Money Mom's Top New Years Resolutions Lori O'Donnell Lori is a contributing writer for the A Straight Talk on Debt blog.

10 Instant Emotional Fitness Tools - StumbleUpon By When things get out of control and you momentarily lose your emotional balance, there are any number of little things you can do to regain it. Here are ten tools to help get you started. It cools and cleans the parts of your body that you use most frequently, which is relaxing, and gives you that "fresh start" feeling. Shoes take a day or two to release any moisture they have absorbed, and this is a very easy way to put a little pep back into your step. And if it isn't framed and on the wall, frame it now. . , inside and out. t and get rid of anything that no longer fits. l. remember that you started with nothing, and know that everything you see, you created. None of these tasks has to be uncomfortable or take you much time. Dr.

Thermal Physics Jokes As we all know, it takes 1 calorie to heat 1 gram of water 1 degree centigrade. Translated into meaningful terms, this means that if you eat a very cold dessert (generally consisting of water in large part), the natural processes which raise the consumed dessert to body temperature during the digestive cycle literally sucks the calories out of the only available source, your body fat. For example, a dessert served and eaten at near 0 degrees C (32.2 deg. F) will in a short time be raised to the normal body temperature of 37 degrees C (98.6 deg. F). For each gram of dessert eaten, that process takes approximately 37 calories as stated above. Obviously, the more cold dessert you eat,the better off you are and the faster you will lose weight, if that is your goal. Frozen desserts, e.g., ice cream, are even more beneficial, since it takes 83 cal. Happy eating! School of Physics, University of Sydney

The illustrated guide to a Ph.D. - StumbleUpon Imagine a circle that contains all of human knowledge: By the time you finish elementary school, you know a little: By the time you finish high school, you know a bit more: With a bachelor's degree, you gain a specialty: A master's degree deepens that specialty: Reading research papers takes you to the edge of human knowledge: Once you're at the boundary, you focus: You push at the boundary for a few years: Until one day, the boundary gives way: And, that dent you've made is called a Ph.D Of course, the world looks different to you now: So, don't forget the bigger picture: Keep pushing. There's a bit more below, but I also wrote a follow-up 5 years after the illustrated guide which may be of interest -- HOWTO: Get tenure. Related posts If you like these posts, then I recommend the book A PhD Is Not Enough Get it in print; fund students; save lives By request, a print version of The Illustrated Guide to a Ph.D. is on sale. Click here to preview or buy it. Why biology? License: Creative Commons Resources

Improve Your Google Search Skills [Infographic] - How-To Geek - StumbleUpon Don’t limit yourself to just plugging in simple search terms to Google; check out this infographic and learn a search string search or two. You don’t need to limit yourself to searching just for simple strings; Google supports all manner of handy search tricks. If you want to search just’s archive of XBMC articles, for example, you can plug in XBMC to search our site. Get More Out of Google [HackCollege via Mashable] Jason Fitzpatrick is a warranty-voiding DIYer who spends his days cracking opening cases and wrestling with code so you don't have to. Metabolic Resistance Training: Build Muscle And Torch Fat At Once! by Brad Schoenfeld Jan 11, 2012 MRT, a.k.a. "metabolic resistance training," might as well be called "madman training." It's no-holds-barred, haul-ass, maximum-effort, build-muscle, heave-weight, torch-fat, absolutely insane huff-n-puff training. It'll spike your metabolism, crush calories like beer cans, lift your lactate threshold, boost your ability to make muscle, and maximize your body's capacity for change. Whew! No magic here - MRT is just a term covering various combinations of intense, efficient cardiovascular and muscular training. MRT works by heightening the metabolic "cost" of exercise. By maximizing your body's change capacity, you can improve 50% - not 25 or 30% - in only 6 weeks. Not showing an insane triceps artery? MR-Tea Time Energy expenditure over the course of an MRT workout can easily approach or exceed 600 calories, depending on the routine. In addition to stoking your body's fat-burning fire, MRT can also enhance muscle growth. Ready to give MRT a try? Crunch Time