simplify http://www.wisebread.com/taxonomy/term/10677/all en-US Best Money Tips: Organize and Simplify Your Bills http://www.wisebread.com/best-money-tips-organize-and-simplify-your-bills <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-organize-and-simplify-your-bills" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/finances-451642217.jpg" alt="paperwork" title="paperwork" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on organizing and simplifying your bills, unexpected expenses to keep in mind, and making a restaurant menu work in your favor.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.mydollarplan.com/easy-ways-to-organize-and-simplify-your-bills/">8 Easy Ways to Organize and Simplify Your Bills</a> &mdash; When organizing and simplifying your bills, it is important to update your account settings and organize your office area. [My Dollar Plan]</p> <p><a href="http://www.savvysugar.com/Unexpected-Expenses-26475722">Unexpected Expenses to Keep in Mind (and Avoid) in 2014</a> &mdash; Be pepared for expenses such as health-related bills and home or car repairs this year. [PopSugar Smart Living]</p> <p><a href="http://www.thewisdomjournal.com/Blog/7-secrets-restaurant-menu/#sthash.OlALiGPk.s0uvEV2b.dpbs">7 Secrets To Making a Restaurant Menu Work In Your Favor</a> &mdash; Splitting meals and drinking water can enable you to make a restaurant menu work in your favor. [The Wisdom Journal]</p> <p><a href="http://www.getrichslowly.org/blog/2014/01/03/the-one-page-guide-to-financial-independence/">The one-page guide to financial independence</a> &mdash; To save money and gain financial independence, minimize your spending by reducing your use of motor vehicles and living in an area with a low cost of living. [Get Rich Slowly]</p> <p><a href="http://microblogger.com/7-bloggers-share-outsourcing-strategies/">You&#39;re outsourcing wrong: 7 experts explain how to delegate the right way</a> &mdash; If you plan on delegating your tasks to someone else, remember to be very detailed when giving instructions. [Microblogger]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thepennyhoarder.com/how-to-rent-your-car-out-for-10hour/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+ThePennyHoarder+%28The+Penny+Hoarder%29">How to Rent Your Car Out for $10/Hour</a> &mdash; Did you know websites like RelayRides.com and GetAround.com can help you rent out your car for extra cash? [The Penny Hoarder]</p> <p><a href="http://financialhighway.com/make-plan-next-year-avoid-holiday-budget-crunch/">Make a Plan for Next Year and Avoid the Holiday Budget Crunch</a> &mdash; To prepare for the holidays, add up what you spent this last holiday season and try to save up enough money to exceed that number by 10% for the next holiday season. [Financial Highway]</p> <p><a href="http://www.dinksfinance.com/2014/01/make-magic-happen-this-year/">Make magic happen this year</a> &mdash; Achieve your goals this year by starting small but thinking big. [DINKS Finance]</p> <p><a href="http://www.fivecentnickel.com/2013/12/30/buying-the-right-snow-blower/">Buying the Righ Snow Blower</a> &mdash; A gas snowblower may be the best option for you if you have a large amount of snow you need to move. [Five Cent Nickel]</p> <p><a href="http://parentingsquad.com/stuff-we-love-graco-pack-n-play">Stuff We Love: Graco Pack &#39;n Play</a> &mdash; If you have a newborn or your baby just started crawling, the Graco Pack &#39;n Play may be a good investment for you! [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-organize-and-simplify-your-bills">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-simple-financial-upgrades-you-can-make-during-breakfast">6 Simple Financial Upgrades You Can Make During Breakfast</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-you-disrespect-your-money">10 Ways You Disrespect Your Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-modern-ways-to-split-the-bill">5 Modern Ways to Split the Bill</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-things-with-the-biggest-impact-on-your-credit-score">The 5 Things With the Biggest Impact on Your Credit Score</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/video-on-how-to-spot-counterfeits">Video on How to Spot Counterfeits</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips bills organize simplify Fri, 10 Jan 2014 11:00:09 +0000 Ashley Jacobs 1110205 at http://www.wisebread.com 25 Ways to Simplify Your Life — Today http://www.wisebread.com/25-ways-to-simplify-your-life-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-ways-to-simplify-your-life-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/relax-5370427-small.jpg" alt="relaxing man" title="relaxing man" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>In a complex world filled with work demands, always-on media, family commitments, and general red tape, sometimes we have to make a conscious choice to simplify things. If you&#39;re beginning to feel like the world is bent on complicating your life, maybe it&#39;s time for a little inspiration. Here are 25 ways to start simplifying your life today. (See also: <a href="http://www.wisebread.com/12-ways-a-deep-declutter-can-improve-your-life">12 Ways a Deep Declutter Can Improve Your Life</a>)</p> <h2>1. Consolidate Accounts</h2> <p>Through the years, people tend to accumulate checking and savings accounts &mdash; even old 401(k) accounts from previous employers. Simplify your financial life by consolidating bank accounts and rolling over old 401(k) balances into a qualified IRA or current 401(k). After all, less paperwork and easier asset management are good things. Learn more about <a href="https://www.fidelity.com/retirement-planning/learn-about-iras/401k-rollover-options">401(k) rollover considerations from Fidelity&#39;s</a> helpful primer.</p> <h2>2. Shop One Day a Week</h2> <p>If your budget and schedule allow, devote one day a week to shopping for essentials (groceries, health and beauty aids, etc.). It may mean buying more each trip, but it&#39;ll save you time, effort, and even a bit of fuel.</p> <h2>3. Get to Know &quot;No&quot;</h2> <p>Stress is often the result of overcommitment and schedules that are stretched paper thin. When possible, assert your right to say &quot;no&quot; and politely decline those activities, projects, and extra obligations that will only boost your stress level. (See also: <a href="http://www.wisebread.com/5-ways-to-say-no-to-friends-and-family">How to Say &ldquo;No&rdquo; to Friends and Family</a>)</p> <h2>4. Keep a To-Do List</h2> <p>Overwhelmed with professional demands and personal errands? Stay focused by making a detailed and <a href="http://www.wisebread.com/make-your-to-do-lists-more-effective-with-these-5-simple-hacks">effective to-do list</a>.</p> <h2>5. Cook Double</h2> <p><img alt="" src="http://static1.killeraces.com/files/fruganomics/u784/simplify-1626537-small-ggnoads.jpg" style="width: 605px; height: 303px;" /></p> <p>The next time you fire up the stove or oven to cook your favorite meal, consider making double. If the menu is freezer-friendly, store it for a later date. If not, you&#39;ve got a pre-made lunch for the next day!</p> <h2>6. Do Your Holiday Shopping Throughout the Year</h2> <p>Channel Santa all year long and score bargains on everything from gifts to wrapping paper. By the time December rolls around, you can dodge the panicked masses and enjoy a little eggnog by the fire.</p> <h2>7. Dump Your Landline</h2> <p>If you have an unlimited cell phone plan or a VOIP service, there&#39;s really no need to double-down with an old-fashioned landline. Cut the cord and cut your bills at the same time.</p> <h2>8. Clean as You Go</h2> <p>Staying on top of chores can make each one seem like less of a chore. Clean a bit as you go and prevent those little messes from turning into motivation-sapping nightmares.</p> <h2>9. Cut the Clutter</h2> <p>Have you ever noticed how physical clutter leads to mental clutter? Performing <a href="http://www.wisebread.com/12-ways-a-deep-declutter-can-improve-your-life">a deep declutter</a> of our offices, homes, and cars can make room (literally and figuratively) for new experiences and ideas and give us a welcome refuge from the chaos of life.</p> <h2>10. Unsubscribe</h2> <p><img alt="" src="http://static1.killeraces.com/files/fruganomics/u784/simplify-147278628-ggnoads.jpg" style="width: 605px; height: 303px;" /></p> <p>From email to snail mail, our lives are filled with unwanted deliveries. Many websites require users to actively unsubscribe from email offers, meaning the opt-in boxes are pre-checked. In order to not be flooded with solicitations and newsletters, you&#39;ll need to uncheck those boxes or prepare for inundation of your in-box. To streamline your physical mailbox, cancel any auto-renewing subscriptions of magazines you no longer read.</p> <h2>11. Adopt a Zero-Accumulation Habit</h2> <p>For every new item you bring into your home, select one to toss, sell, or donate. A <a href="http://www.wisebread.com/clutter-free-the-zero-accumulation-household">zero-accumulation approach</a> simplifies your environment, prevents clutter, and means there&#39;s less to clean, store, and worry about.</p> <h2>12. Avoid Fashion Trends</h2> <p>Following trends is expensive and before you know it, you&#39;ve got a closet-full of clothes that are perfect &mdash; for last year. Instead of being a slave to fashion, gravitate toward classic styles, timeless designs, versatile colors and fabrics, and quality construction. (See also: <a href="http://www.wisebread.com/5-wardrobe-basics-for-women-that-are-worth-investing-in">Wardrobe Basics for Women</a>)</p> <h2>13. Use the Cloud to Backup Your Data</h2> <p>Hard drives fail every day. Simplify your tech life by avoiding the very complicating problem of permanently lost data. <a href="http://www.pcworld.com/article/2036488/how-to-build-a-bulletproof-cloud-backup-system-without-spending-a-dime.html">Leverage cloud services</a> to protect your photos, work projects, tax information, and other personal files.</p> <h2>14. Work From Home When You Can</h2> <p>Having the option to telecommute allows you to shorten your prep time for work, avoid traffic, and reduce fuel costs. Working from home also lets you sneak in a few household chores during the day to lighten your schedule later. (See also: <a href="http://www.wisebread.com/how-to-convince-your-boss-to-let-you-work-from-home">How to Convince Your Boss to Let You Work From Home</a>)</p> <h2>15. Decide to Become Debt-Free</h2> <p>Nothing complicates our lives quite as quickly as consumer debt. The dark cloud of interest taxes household budgets, stresses families, and often keeps us tied to jobs we hate. Commit to <a href="http://www.johnnymoneyseed.com/debt-free/guide-becoming-really-really-ridiculously-debt-free/#sthash.wsBtYUOu.dpbs">becoming debt-free</a> and simplifying how you approach spending.</p> <h2>16. Set Personal and Professional Goals</h2> <p>Goals give us direction and help us outline a path toward achievement. Simplify your life by clarifying your goals and dispensing with distraction.</p> <h2>17. Understand the Nature of Things</h2> <p>Whether it&#39;s our pet, our best friend, our spouse, or our boss, understanding the nature of those closest to us can be liberating. Instead of fighting personalities (and getting stressed out in the process) accepting differences and giving up a bit of control can be immensely satisfying and simplifying.</p> <h2>18. Define <em>Enough</em></h2> <p>Our culture is great at promoting the idea of more and presenting us with countless ways to go upsize and upgrade, but it&#39;s not so great at defining what enough is. Without a clear view of satiety (enough money, a big enough house, a nice enough car, etc.) many of us can end up on an endless and exhausting loop. Define what enough is for you personally and work toward it.</p> <h2>19. Downsize</h2> <p>Do the things you own, own you? If so, it may be time for some <a href="http://www.apartmenttherapy.com/how-to-downsize-without-losing-your-mind-175131">strategic downsizing</a>. Large houses take time to clean, sprawling lawns demand our attention, and expensive cars can sap our resources. Take a critical look at the objects in your life that demand the most time and labor. Is there a way to scale back and be happier with less?</p> <h2>20. Toss Out Those Fashion Magazines</h2> <p>The fashion and beauty industry relies on disruption to sell products &mdash; and nothing is quite as disruptive as trying to achieve perfection. If you find air-brushed images more anxiety-producing than inspiring, toss them out and give your ego and pocketbook a break.</p> <h2>21. Clean Out Your Wallet or Purse</h2> <p><img alt="" src="http://static1.killeraces.com/files/fruganomics/u784/simplify-86513518-ggnoads.jpg" style="width: 605px; height: 303px;" /></p> <p>We pull out our wallets and purses countless times each day. Make it less of an archeological dig. Discard what you don&#39;t need and organize the rest.</p> <h2>22. Trade More Money for More Time</h2> <p>If you have a flexible enough budget, why not ask for more time instead of more money the next time you&#39;re up for a promotion or a raise? A more open work schedule, half-day Fridays, or more vacation time can often result in real quality-of-life improvements.</p> <h2>23. Automate Saving and Bill-Paying</h2> <p>Recurring transactions like making an IRA deposit or paying the cell-phone bill or can be automated to save time. Paying bills automatically also helps avoid those &quot;oops&quot; moments that lead to late fees and credit dings.</p> <h2>24. Choose Versatile Furnishings</h2> <p>Look for well-built and <a href="http://www.apartmenttherapy.com/top-10-cheap-fu-36412">simple furnishings</a> that can pull double duty in your home. Multifunctional items simplify our spaces, minimize clutter, and take the pressure off our decorating budgets.</p> <h2>25. Trade Perfection for Good Enough</h2> <p>Good enough gets things done, but perfection stops us in our tracks. Embrace the notion of the good enough in your life and free yourself from stifling and unrealistic expectations.</p> <p>Sometimes complication is imposed on us; sometimes it arises from a failure to say &quot;no&quot; or draw a line in the sand with ourselves or with others. Look for those things you can control and begin to actively explore ways to reduce your time commitments, reset expectations, consolidate your energy, and find opportunities to just rest. Reclaim your weekends, your sleep, and your sanity &mdash; start simplifying your life today.</p> <p><em>How do you maintain simplicity in your life? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/25-ways-to-simplify-your-life-today">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-attractive-standing-desks-you-can-actually-afford">11 Attractive Standing Desks You Can Actually Afford</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-things-car-salesmen-dont-want-you-to-know">17 Things Car Salesmen Don&#039;t Want You to Know</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-diy-dog-toys-you-can-make-for-pennies">10 DIY Dog Toys You Can Make for Pennies</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-baking-soda-took-my-bathroom-from-yuck-to-yes">How Baking Soda Took My Bathroom from “Yuck” to Yes!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks simple living simplify Mon, 11 Nov 2013 10:24:04 +0000 Kentin Waits 1086123 at http://www.wisebread.com How to Do Less — and Why You Should http://www.wisebread.com/how-to-do-less-and-why-you-should <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-do-less-and-why-you-should" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2601365946_90e1409be5_z.jpg" alt="relaxed man with dogs" title="relaxed man with dogs" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>What are you doing right now? Yeah, like right now. What are actually <em>doing</em>? If you&rsquo;re at work or running on the treadmill or doing laundry, you probably feel pretty smug about how busy and productive you are, don&rsquo;t you? But what about if you&rsquo;re just, well, layin&rsquo; around? Checking out the texture of the ceiling; settling into the couch. Does that question make you feel defensive? Maybe even a little guilty?</p> <p>I&rsquo;d say for most people that&rsquo;s pretty typical. I know it is for me. After all, there&rsquo;s a certain amount of shame that comes with leaving the dishes in sink, turning off the computer, and just vegging out. But if getting things done is so important, why oh why does doing nothing feel sooo good? I have a theory &mdash; because in doing nothing, you&rsquo;re accomplishing a lot more than you think. In that respect, I think actually managing to do less is mostly a mindset. Here are some thoughts on how to do less &mdash; and why you may get more out of it. (See also: <a href="http://www.wisebread.com/the-fallacy-of-multitasking">The Fallacy of Multitasking</a>)</p> <h3>You're Busy...but Are You&nbsp;Productive?</h3> <p>I&rsquo;d bet that most people fall into the trap of doing too much from time to time, and a few even get hooked on it. It&rsquo;s a bit like running a marathon &mdash; there&rsquo;s suffering involved, but also a bit of the high that comes from pushing yourself to the limit. It&rsquo;s that high that keeps you going when sleep, downtime, and even fun are in short supply. The problem is, whether you're in a marathon or just living day-to-day, there are only so many miles you can cover at top speed&nbsp;before you hit the wall, break down, or even work yourself to death.</p> <p>I&rsquo;ve definitely run myself into the red zone. It has its rewards in the moment, but I&rsquo;m pretty sure at least some of that sense of productivity is an illusion. In reality, I&rsquo;m struggling to stay awake and engaged at work, dragging myself through social engagements, struggling through a workout, chores, hobbies &mdash; and doing a shoddy job at each and every one. I won&rsquo;t deny that some people are better at spreading themselves thin than others, but it still comes at a cost.</p> <h3>Work: The Bottomless Pit</h3> <p>I&rsquo;m always amazed at how quickly household chores pile up. I don&rsquo;t have children yet, so I&rsquo;m probably in for a serious wake-up call in this department in the next few years. Even so, the laundry soon piles up again, dust and dirt find their way into those once clean corners, and I&rsquo;m left wondering why even I bother to chase it out in the first place. It seems a bit pointless, but then, most things are like that. No matter how much work you put behind you, there&rsquo;s always more up ahead. This isn&rsquo;t necessarily a bad thing; I think people are naturally inclined to be busy. The problem comes in when you don&rsquo;t know when to stop. Sometimes I don&rsquo;t know, quite honestly. Here&rsquo;s the reality though &mdash; the only way you&rsquo;ll get to kick back is if you accept that you can&rsquo;t do everything. Decide when you&rsquo;ll cut yourself off, and <a href="http://www.wisebread.com/21-frugal-ways-to-reward-yourself-right-now">find some time to relax</a>. Really. It&rsquo;s OK.</p> <h3>Understand the Power of Empty Space</h3> <p>Oscar Wilde once said that doing nothing was one of the hardest things in the world &mdash; the hardest and the most intellectual. A.A. Milne, author of <em>Winnie the Pooh</em>, explains doing nothing through one of his characters, Piglet, who describes it as &ldquo;just going along, listening to all the things you can&rsquo;t hear, and not bothering.&rdquo; Authors and other artists in particular seem to be big proponents of empty time, and in fact, many of them work in cycles that swing between highly productive and what you might call &quot;regenerative.&quot; It seems that just because you aren&rsquo;t <em>doing </em>something doesn&rsquo;t mean nothing is happening. Ideas, inspiration, and even motivation often spring from their opposite &mdash; nothing.</p> <h3>Here&rsquo;s to Accomplishing Less</h3> <p>One final thought on doing nothing (and why you should embrace it more often) &mdash; there&rsquo;s something to be said for accomplishing less, especially if it allows you to enjoy it more. It&rsquo;s usually the things that come with no professional designations, rewards, or external validation that turn out to be the most important in life. (In other words, no one on their deathbed ever says, &ldquo;Gee, I wish I&rsquo;d spent more <a href="http://www.wisebread.com/save-the-planet-work-at-home">time at the office</a>.&rdquo;) Let your actions reflect your priorities. When you have something better to do &mdash; or better still, nothing to do at all &mdash; let some of the other stuff slide and see where that unscheduled time takes you.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tara-struyk">Tara Struyk</a> of <a href="http://www.wisebread.com/how-to-do-less-and-why-you-should">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-wake-up-fast-and-attack-the-day">How to Wake Up Fast and Attack the Day</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-little-stressors-you-can-easily-eliminate-today">6 Little Stressors You Can Easily Eliminate Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-little-ways-to-de-stress-and-enjoy-life-more">6 Little Ways to De-Stress (and Enjoy Life More)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-slow-down-your-fast-paced-life">How to Slow Down Your Fast-Paced Life</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/feeling-stuck-100-ways-to-change-your-life">Feeling Stuck? 100 Ways to Change Your Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development do less get things done relax simplify Tue, 17 Apr 2012 10:00:12 +0000 Tara Struyk 920604 at http://www.wisebread.com How Simplifying Your Accounts Can Improve Your Finances http://www.wisebread.com/how-simplifying-your-accounts-can-improve-your-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-simplifying-your-accounts-can-improve-your-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bigstock_Business_Woman_Has_A_Headache_4435942-2.jpg" alt="Upset woman with paperwork" title="Upset woman with paperwork" class="imagecache imagecache-250w" width="250" height="146" /></a> </div> </div> </div> <p>With a sign up bonus here and a positive referral there, it can be easy to amass a small army of financial accounts. But if you start simplifying and closing the accounts you don't use often, the benefits can be substantial. (See also:&nbsp;<a href="http://www.wisebread.com/simplify-budgeting-with-personal-money">Simplify&nbsp;Budgeting With&nbsp;Personal&nbsp;Money</a>)</p> <h3>Keep Better Track of Your Finances</h3> <p>One way to start improving your finances is to look at your habits, but if you have too many accounts, it can be hard to figure out your exact situation. When you have fewer accounts, it's much easier to keep track of the history of your spending and investing habits.</p> <h3>Have the Information Uncle Sam Asks For</h3> <p>Sometimes, the IRS expects you to come up with ancient documents. It's best that you have the documents ready (unless you like paying for penalties you might be able to avoid otherwise), and it's easier to access them when you have fewer accounts.</p> <h3>Minimize the Amount of Cash That's Earning Nothing</h3> <p>You likely have a small bit of cash in every one of your accounts. And it's likely that more accounts you have, the more cash you have earning you nothing. I know even the best online savings accounts are earning you only 1% right now, but that certainly beats the 0% that other accounts might be giving you.</p> <h3>Have More Time</h3> <p>Whether it's looking through statements, trying to remember your password for an account you haven't checked for ages, or simply keeping track of it all, <a href="http://moneyning.com/money-management/">money management</a> can take time out of your precious day. That's time away from productive work, time away from family, and time away for your leisure activities.</p> <h3>Pay Fewer Fees</h3> <p>The fewer accounts you have, the more cash you can put towards each one. This means potentially spending less on <a href="http://www.wisebread.com/avoid-bank-fees">overdraft fees</a>. Even if you don't have more money in the accounts, just having simpler finances will reduce the chances that you'll forget about little details like moving money around to cover bills and incurring late fees.</p> <h3>Make Planning Easier</h3> <p>When you have more time, less stress, and more money, you will likely be more motivated to actually start planning for your financial future. Of course, it helps that you now have fewer accounts that you need to take into consideration, too, but that's just the icing on the cake.</p> <p><em>How many accounts do you have? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/david-ning">David Ning</a> of <a href="http://www.wisebread.com/how-simplifying-your-accounts-can-improve-your-finances">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-bank-of-america-s-5-monthly-debit-card-fee-just-the-beginning">Is Bank of America’s $5 Monthly Debit Card Fee Just the Beginning?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-prepaid-debit-cards">5 Best Prepaid Debit Cards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-and-money-using-prepaid-travel-cards">Travel and Money: Using Prepaid Travel Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-ways-to-get-a-small-business-loan">10+ Smart Ways to Get a Small Business Loan</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-annoying-bank-fees-and-how-to-avoid-them">12 Annoying Bank Fees and How to Avoid Them</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking Credit Cards bank accounts banking fees simplify Wed, 28 Dec 2011 11:24:29 +0000 David Ning 843449 at http://www.wisebread.com Best Money Tips: Simplify Your Summer Finances http://www.wisebread.com/best-money-tips-simplify-your-summer-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-simplify-your-summer-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5741350372_e387ae438e_z-1.jpg" alt="Simplify Your Summer Finances" title="Simplify Your Summer Finances" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on ways to simplify your summer finances, ways to earn extra cash, and fundamentals of financial success.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.walletpop.com/2011/07/08/6-ways-to-simplify-your-summer-finances/">6 Ways to Simplify Your Summer Finances</a> &mdash; Simplify your summer finances by registering for an easy to use budgeting system. [Walletpop]</p> <p><a href="http://financialhighway.com/7-ways-to-earn-extra-cash-with-little-effort/">7 Ways to Earn Extra Cash With Little Effort</a> &mdash; Earn extra cash by being a mystery shopper. [Financial Highway]</p> <p><a href="http://www.figuide.com/the-five-fundamentals-of-financial-success.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+FiGuide+%28FiGuide+-+Financial+Guidance+from+the+Professionals%29">The Five Fundamentals of Financial Success</a> &mdash; Have financial success by fully funding your retirement plans. [FiGuide]</p> <p><a href="http://lifehacker.com/5710901/how-to-get-the-most-money-when-selling-your-textbooks">How to Get the Most Money When Selling Your Textbooks</a> &mdash; Sealing your textbooks' edges with painter's tape will help keep it in better condition, which will allow you to sell it for more money later on. [Lifehacker]</p> <p><a href="http://www.savvysugar.com/How-Americans-Saving-Money-18196397">12 Ways Everyone Else Is Cutting Back on Spending</a> &mdash; One way people are trying to cut back on spending is by canceling their magazine subscriptions. [SavvySugar]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.openforum.com/articles/5-quick-ways-to-become-a-better-networker">5 Quick Ways To Become A Better Networker</a> &mdash; Become a better networker by being more selective with your time. [American Express OPEN Forum]</p> <p><a href="http://parentingsquad.com/tips-for-moving-with-young-children">Moving With Kids: 23 Can't-Miss Tips To Help You Cope</a> &mdash; If you are moving with kids, be sure to let the kids help you pack. [Parenting Squad]</p> <p><a href="http://www.kiplinger.com/slideshow/best-cars-for-young-drivers/1.html">Best Cars for Young Drivers</a> &mdash; Are you thinking about buying your kid a car? Consider buying him or her a Kia Soul. [Kiplinger]</p> <p><a href="http://www.moolanomy.com/5036/tips-for-finding-estate-sale-bargains-ttolar/">Tips for Finding Estate Sale Bargains</a> &mdash; Next time you go to an estate sale, find bargains by getting there early. [Moolanomy]</p> <p><a href="http://getcurrency.com/technology-toys/deciding-what-digital-camera-is-best-for-you">Deciding What Digital Camera is Best for You</a> &mdash; When deciding what digital camera to by, make sure you pick a buying strategy. [Currency]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-simplify-your-summer-finances">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-times-when-its-okay-to-take-a-loan">6 Times When It&#039;s Okay to Take a Loan</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-simplifying-your-accounts-can-improve-your-finances">How Simplifying Your Accounts Can Improve Your Finances</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-surprising-things-lenders-check-besides-your-credit-score">4 Surprising Things Lenders Check Besides Your Credit Score</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-investments-that-usually-soar-during-the-summer">7 Investments That Usually Soar During the Summer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-dumb-ways-youre-going-to-waste-money-this-summer">9 Dumb Ways You&#039;re Going to Waste Money This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking best money tips finances simplify summer Mon, 11 Jul 2011 10:00:26 +0000 Ashley Jacobs 614937 at http://www.wisebread.com