motivation http://www.wisebread.com/taxonomy/term/11296/all en-US 4 Ways to Make Debt Repayment Fun http://www.wisebread.com/4-ways-to-make-debt-repayment-fun <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-to-make-debt-repayment-fun" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/calendar_concept_with_a_yellow_pin.jpg" alt="Calendar Concept with a yellow pin" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When my husband and I were first married, we used to race home on the 15th of each month, each one of us hoping to be the first to get the mail out of the mailbox. Our highly anticipated mail was not our favorite magazine, or the cheese of the month club, or even the newest Netflix DVD (remember those?).</p> <p>No, we were hurrying home to be the first to open up the monthly statement for our home equity loan, which we were in the long process of paying off. Whoever reached the house first got to see the official tally for our previous month's payment, and color in the next chunk of the debt-payoff thermometer we had posted in the kitchen.</p> <p>We're not the most boring people on the planet, despite what our kids might say. Our anticipation of the home equity loan statement just showed that we had found a way to make the long slog of debt repayment not only tolerable, but actually enjoyable.</p> <p>Before you decide that &quot;fun debt repayment&quot; is an oxymoron, consider how getting out of debt can be improved by making it more like a game. (See also: <a href="http://www.wisebread.com/6-surprisingly-simple-ways-to-motivate-yourself?ref=seealso" target="_blank">6 Surprisingly Simple Ways to Motivate Yourself</a>)</p> <h2>Gamify your debt payoff</h2> <p>Games offer both intrinsic and extrinsic motivation to keep you playing. Intrinsic motivation refers to the internal or personal satisfaction you might feel for completing a task, while extrinsic motivation is the reward something else gives you for completing a task.</p> <p>For instance, you might spend an afternoon playing <em>Call of Duty</em> both because of the game's extrinsic motivation of rewarding you for completing the missions, and because of your intrinsic motivation to have some fun shooting digital Nazis in the face.</p> <p>Understanding how games tap into both extrinsic and intrinsic motivation can help you figure out how to gamify something as traditionally &quot;unfun&quot; as debt payoff. In particular, arranging for extrinsic motivators to keep you on the straight-and-narrow of debt payoff can help make the &quot;game&quot; of getting your balance down to zero an intrinsic reward.</p> <p>Here's what you need to do to create your debt payoff game.</p> <h3>1. Choose the levels in your game</h3> <p>A game is not designed as a single huge step to overcome in order to win. It's broken down into achievable levels that allow you to enjoy your progress without feeling like you'll never reach the end. Video games generally make the first level an &quot;easy win&quot; in order to get you hooked on the game. As your competence at the game increases, the levels become more challenging.</p> <p>You can do the same thing with planning your debt payoff &quot;game.&quot; Start by determining exactly how much you need to pay off, and figure out how much extra you can send to your creditors each month.</p> <p>For instance, let's say you have $25,000 in credit card debt. You're currently sending the minimum payment of $625 each month, and that is already a big bite out of your monthly budget. You might decide that your first &quot;level&quot; will be sending an additional $100 to the credit card this month. An extra Benjamin a month is achievable but feels like an accomplishment if you're already struggling to pay the minimum &mdash; and this is why it's a good first level.</p> <p>From there, you might make the next levels when your balance has gone down by $500, and then $1,000, then $2,000, and so on. Once you've knocked $5,000 off the balance, make your levels a little further apart, so they occur every time $2,500 of balance is wiped out, or every $5,000. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso" target="_blank">The Fastest Way to Pay Off $10,000 in Credit Card Debt</a>)</p> <h3>2. Decide on your extrinsic motivations per each level</h3> <p>Now that you have chosen levels for your debt payoff game, figure out how you can reward yourself for reaching them. Eventually, just reaching these levels will feel pretty great. But at the start of a debt payoff plan, it's a good idea to also build in the extrinsic motivations that will spur you to think of your debt payoff first when you're tempted to spend money.</p> <p>This is where you brainstorm ways to celebrate reaching the various levels you've chosen in your game &mdash; without spending money. Find rewards that cost nothing but still make you feel great. You might consider the following &quot;level up&quot; rewards:</p> <ul> <li> <p>Movie night at home.</p> </li> <li> <p>A nap in the middle of the day.</p> </li> <li> <p>An at-home pedicure.</p> </li> <li> <p>An entire Saturday afternoon playing your favorite video games.</p> </li> </ul> <p>The trick is to think about the things you normally don't allow yourself and pick out the ones that require no (or very minimal) cash outlay. Assign different rewards to different levels. (See also: <a href="http://www.wisebread.com/20-free-and-fun-ways-to-reward-yourself?ref=seealso" target="_blank">20 Free and Fun Ways to Reward Yourself</a>)</p> <h3>3. Create a game visual</h3> <p>It's a lot more fun to play a game with good graphics or good design, and that's no different with your debt payoff game. Once you've determined the levels and rewards of your debt payoff, it's time to find a way to render them visually so that you can both keep track of your progress and enjoy the anticipation of getting closer to each reward level &mdash; and your overall goal.</p> <p>Debt payoff thermometers are a common method of creating a visual for your repayment plan. These are great for a couple of reasons: Anyone can easily draw a thermometer and label various levels on it, it makes for a motivating visual, and it can be a lot of fun to color in the thermometer as you go.</p> <p>However, that's not the only way to visualize your debt payoff game. Using a spreadsheet or other digital tracker can help you see your progress over time. In addition, if you are motivated by coloring or other artistic endeavors, you could create a beautiful visual of your debt payoff journey that you color in as you make progress. Or, if board games are your jam, consider creating a game board of paying off your debt. You can have fun with figuring out what your board will look like, and how you will represent each level.</p> <p>Making your game visual means that you can be creative about finding a system that will give you extrinsic motivation to pay off your debt.</p> <h3>4. Watch your extrinsic motivation become intrinsic</h3> <p>As you work through your debt payoff game, you'll find something strange happens: Figuring out ways to save money so that you can send more to your creditors goes from being a drag to being fun. That's because you'll find yourself wanting to color in the next level on your game board or reach the next level of reward, and so you stop thinking of paying off debt as a horrible slog. Instead, each step allows you to do something you enjoy (coloring in your debt thermometer or your game board) and also brings you closer to a reward you want.</p> <p>Once you get used to thinking of sending more money to your creditor as fun, it will become fun in its own right, without needing the game to make things enjoyable &mdash; although there's nothing wrong with continuing to treat it like a game.</p> <h2>A spoonful of sugar</h2> <p>Mary Poppins had it right when she sang, &quot;In every job that must be done, there is an element of fun.&quot; It might seem impossible that paying your credit cards, student loans, or other debt could be the thing you most look forward to each month &mdash; but the spoonful of sugar that you add by gamifying your debt payoff may just make you rush home in joyful anticipation on the day you receive your monthly statement.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-ways-to-make-debt-repayment-fun&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Ways%2520to%2520Make%2520Debt%2520Repayment%2520Fun.jpg&amp;description=4%20Ways%20to%20Make%20Debt%20Repayment%20Fun"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/4%20Ways%20to%20Make%20Debt%20Repayment%20Fun.jpg" alt="4 Ways to Make Debt Repayment Fun" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/4-ways-to-make-debt-repayment-fun">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/what-happens-to-debt-after-divorce">What Happens to Debt After Divorce?</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/the-5-best-debt-tracking-systems">The 5 Best Debt Tracking Systems</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/beat-stress-with-these-28-inexpensive-pastimes">Beat Stress With These 28 Inexpensive Pastimes</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/25-fun-frugal-things-to-do-tonight-besides-watch-tv">25 Fun, Frugal Things to Do Tonight Besides Watch TV</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/should-you-pay-down-debt-first-or-invest">Should You Pay Down Debt First or Invest?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management challenges creativity fun games motivation Paying Off Debt setting goals Fri, 19 Jan 2018 09:39:08 +0000 Emily Guy Birken 2076822 at http://www.wisebread.com 7 Clever Tricks to Make Your New Year's Resolution Stick http://www.wisebread.com/7-clever-tricks-to-make-your-new-years-resolution-stick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-clever-tricks-to-make-your-new-years-resolution-stick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/get_into_a_creative_state_of_mind.jpg" alt="Get into a creative state of mind" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Another year, another list of New Year's resolutions that most of us will be unable to keep. The problem with resolutions is that they require a tremendous amount of mental processing power to get from point A to point B. You not only have to begin with over-the-top motivation, but you also need to stay that way. (See also: <a href="http://www.wisebread.com/4-money-resolutions-anyone-can-conquer?ref=seealso" target="_blank">4 Money Resolutions Anyone Can Conquer</a>)</p> <p>When you overtax your brain by trying several new things or adopting new routines at the same time, you subject yourself to cognitive overload, which can result in reduced productivity, and lead to anxiety.</p> <p>Luckily there are brain hacks and workarounds that you can use to fine-tune your resolutions and ultimately achieve your goals.</p> <h2>1. Simplify your goal</h2> <p>If your New Year's resolution is so complex and grand that it requires a checklist, you are stacking the deck against yourself. Keep it simple. Don't choose an ambiguous goal like, &quot;Save Money.&quot; Instead resolve to turn one good financial behavior into a habit. For example, &quot;I will open my bills as soon as I get them and pay them promptly.&quot; (See also: <a href="http://www.wisebread.com/why-you-need-to-make-financial-habits-not-goals?ref=seealso" target="_blank">Why You Need to Make Financial Habits, Not Goals</a>)</p> <h2>2. Avoid multitasking with your resolution</h2> <p>Most resolutions are not one goal, but sprawling, impossible-to-schedule projects with hundreds of moving parts. But successful resolvers are the people who make one actionable goal and put it into practice until it becomes a regular routine they don't even need to think about. For example, instead of making your goal to &ldquo;lose weight,&rdquo; resolve to always drink water instead of soda, and watch as your overall health improves with that one new habit.</p> <h2>3. Don't overschedule yourself</h2> <p>It's hard to stay motivated, to do anything, over a long period of time if you have to continually start and stop due to scheduling issues. One of my goals in 2017 was to reduce my number of personal belongings down to 1,000 items. I failed to meet this goal because the scope was too big. I didn't lose my desire to downsize, but my revised goal for 2018 is to spend one hour each day listing items for sale online. I may not widdle my belongings down to my target number in the next 12 months, but I will succeed in reducing the number of things I have to spend time dusting, and I'll even make some additional cash. (See also: <a href="http://www.wisebread.com/7-ways-to-make-money-off-of-your-new-years-resolutions?ref=seealso" target="_blank">7 Ways to Make Money Off of Your New Year's Resolutions</a>)</p> <h2>4. Reward yourself along the way</h2> <p>People that have successfully maintained their weight loss know that cheat days are a key part of their success. If you never reward yourself for good behavior, then the healthy habits start to feel like punishment.</p> <p>However, unlike weight loss &mdash; which has visible results that can be validated by peers &mdash; no one is going to tell you how cute you look in your new 401(k). While financial responsibility should be its own reward, saving money generally involves a certain level of deprivation. So if your resolution involves saving money, give yourself the ability to splurge in a structured way. For example, give yourself $50 to spend selfishly for every $1,000 you put into savings. (See also: <a href="http://www.wisebread.com/21-frugal-ways-to-reward-yourself-right-now?ref=seealso" target="_blank">21 Frugal Ways to Reward Yourself Right Now</a>)</p> <h2>5. Practice, practice, practice</h2> <p>It only takes 13 days to make a new habit. Or 21 days. Or 28 days. Or close to 70. Really, it depends on who you ask. Don't despair, though, because it really is possible to create a new habit; it's just easier if you follow three steps.</p> <h3>Choose a small action</h3> <p>&quot;Lose weight&quot; is not small. Instead choose a tiny component to losing weight, like, &quot;I will take a 30-minute walk five days a week.&quot;</p> <h3>Attach it to an existing habit</h3> <p>The easiest way to make a new habit stick is to attach it to an existing habit. For example, if you drink coffee each morning, walk to a nearby coffee shop to get your 30 minutes of walking in. (See also: <a href="http://www.wisebread.com/the-surprisingly-easy-way-to-change-your-habits-and-your-life?ref=seealso" target="_blank">The Surprisingly Easy Way to Change Your Habits and Your Life</a>)</p> <h3>Create multiple reminders</h3> <p>You have to make your new habit super easy to remember, especially during the first week. Make your new routine as mindless as possible by setting up multiple reminders to get it done. Swap out your regular coffee mug with a travel thermos that will remind you to get your coffee down the street. Ask your coworkers if they want to join your &quot;Walk to Coffee Club&quot; so they can keep you accountable. Wear a fitness tracker, or set your phone to prompt you to walk for 30 minutes each day. Write, &quot;Why aren't you walking?&quot; on the lid of your to-go coffee cup at home. (See also: <a href="http://www.wisebread.com/give-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work?ref=seealso" target="_blank">The Productivity Secret That'll Change the Way You Work</a>)</p> <h2>6. Find a buddy</h2> <p>Why is it so much harder to break a promise to someone else than it is to break a promise to yourself? It will be much easier, and way more fun to keep your resolution if you have an accountability buddy to commiserate and compete with. (See also: <a href="http://www.wisebread.com/6-surprisingly-simple-ways-to-motivate-yourself?ref=seealso" target="_blank">6 Surprisingly Simple Ways to Motivate Yourself</a>)</p> <h2>7. Focus on timing</h2> <p>New Year's is a totally arbitrary start date for practicing new habits, so why not start a resolution when your schedule best matches your end goal? For example, why not start working toward your savings goal the day after Tax Day? If you've done your taxes for the previous year, you're already caught up on your accounting and have a fresh view of all your finances.</p> <p>Or, if your goal is to lose weight, why not start your new healthy habits at the beginning of spring, when you have your choice of fun, outside physical activities to enjoy, rather than in the dead of winter when you'll be stuck inside using the machines that you hate at the gym? If you give yourself a running start, you are more likely to maintain your new practice for one calendar year.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-clever-tricks-to-make-your-new-years-resolution-stick&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Clever%2520Tricks%2520to%2520Make%2520Your%2520New%2520Year%2527s%2520Resolution%2520Stick.jpg&amp;description=7%20Clever%20Tricks%20to%20Make%20Your%20New%20Year's%20Resolution%20Stick"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Clever%20Tricks%20to%20Make%20Your%20New%20Year%27s%20Resolution%20Stick.jpg" alt="7 Clever Tricks to Make Your New Year's Resolution Stick" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/7-clever-tricks-to-make-your-new-years-resolution-stick">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-8"> <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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/7-ways-to-make-money-off-of-your-new-years-resolutions">7 Ways to Make Money Off of Your New Year&#039;s Resolutions</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/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</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/5-ways-to-restart-your-resolutions-this-spring">5 Ways to Restart Your Resolutions This Spring</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Health and Beauty career goals goals health goals motivation New Year's new year's resolutions nye Thu, 11 Jan 2018 10:00:07 +0000 Max Wong 2086412 at http://www.wisebread.com 8 Ways Your Fridge Door Can Improve Your Life http://www.wisebread.com/8-ways-your-fridge-door-can-improve-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-your-fridge-door-can-improve-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-602290760.jpg" alt="Learning ways a fridge door can improve your life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The average American opens their refrigerator door 22 times per day. If you're not using this premium spot to improve your life, you're missing out. Here are eight ideas to get you started.</p> <h2>1. Make it a vision board</h2> <p>Popularized by Oprah and <a href="http://amzn.to/2oRsEoP" target="_blank"><em>The Secret</em></a>, many of us began cutting out pictures of dream houses, cool cars, and destinations. Pinning them on a board (or, in this case, your refrigerator door) may not actually conjure those things up, but the activity will help you identify the things that you're striving for, and being reminded of them will keep you on track to attaining them.</p> <h2>2. A place for inspirational quotes</h2> <p>Need a little prompting to get on those goals? Display some quotes that motivate you to stay focused and live a happier life. It's amazing how looking at the same words 22 times a day actually did remind me to &quot;be more mindful.&quot; (See also: <a href="http://www.wisebread.com/64-funny-inspiring-and-stupid-money-quotes-from-famous-people?ref=seealso" target="_blank">64 Funny, Inspiring and Stupid Money Quotes From Famous People</a>)</p> <h2>3. Feature your loved ones</h2> <p>Sure, we all put up various pictures on our refrigerator doors. I find, though, that having my elderly Aunt Joyce's picture there reminds me to call her regularly. Put up pictures of your family members to remind you to stay in contact with them. Especially the ones who aren't on Facebook all the time.</p> <h2>4. Give yourself a gold star</h2> <p>Elementary school kids get these all the time for doing something good, so why shouldn't you? Did you eat healthy all day long? Did you exercise? Resist temptation to blow your budget? Good for you! Here's a star. Yes, it sounds a little silly, but it works to keep you motivated.</p> <h2>5. Post your money goals</h2> <p>Saving for a house, a car, or a vacation? If you're looking for a place to be reminded to stick to a savings plan, the refrigerator door is a great spot. At a reminder rate of 22 times per day, it's harder to go off-track.</p> <h2>6. Motivate yourself to get moving</h2> <p>How many calories will you have to burn to get rid of that ice cream bar? How many situps will it take to counteract drinking a can of soda? Print and post your fitness goals, as well as calorie and exercise charts to stay motivated to get healthy.</p> <h2>7. Make it meal-planning central</h2> <p>If you hate meal-planning, perhaps you just need some help to get you motivated. Keep a running list of meals on the refrigerator door, for the rest of the family to add to or cross off as their appetites and preferences change. That way, you'll never hear &quot;Ugh. Lasagna again?&quot; Because hey, nobody crossed it off on the list. (See also: <a href="http://www.wisebread.com/save-money-and-eat-better-with-these-6-online-meal-planners?ref=seealso" target="_blank">Save Money and Eat Better With These 6 Online Meal Planners</a>)</p> <h2>8. Make a wish list</h2> <p>Are there items you want, but don't really need? Try the 30-day rule. Write them down on a list, and tack that up on the refrigerator door. Put a date next to the item. You can't buy that item for at least 30 days. At the end of that period, if you really think you need it, ok. You'll probably find, though, that the urge has passed. (See also: <a href="http://www.wisebread.com/4-questions-you-need-to-ask-yourself-before-every-major-purchase?ref=seealso" target="_blank">4 Questions to Always Ask Yourself Before Making a Big Purchase</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-ways-your-fridge-door-can-improve-your-life&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Ways%2520Your%2520Fridge%2520Door%2520Can%2520Improve%2520Your%2520Life.jpg&amp;description=8%20Ways%20Your%20Fridge%20Door%20Can%20Improve%20Your%20Life"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Ways%20Your%20Fridge%20Door%20Can%20Improve%20Your%20Life.jpg" alt="8 Ways Your Fridge Door Can Improve Your Life" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/8-ways-your-fridge-door-can-improve-your-life">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/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</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-long-does-it-take-to-break-even-with-solar-panels">How Long Does It Take to Break Even With Solar Panels?</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/how-cutting-your-losses-can-save-you-more-than-money">How Cutting Your Losses Can Save You More Than Money</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/5-apps-that-pay-you-to-exercise">5 Apps That Pay You To Exercise</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-ways-to-maintain-motivation-when-the-going-gets-tough">9 Ways to Maintain Motivation When the Going Gets Tough</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Personal Development frugal tips improve your life life goals money-saving tools motivation refrigerator Spending Money Tue, 11 Apr 2017 08:30:13 +0000 Marla Walters 1925308 at http://www.wisebread.com 9 Career Tips Your Younger Self Would Give You http://www.wisebread.com/9-career-tips-your-younger-self-would-give-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-career-tips-your-younger-self-would-give-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-596344056.jpg" alt="Hearing career advice your younger self would give you" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Hindsight is 20/20, so there may be a lot you wish you could say to your younger self. However, your younger self may also have some great advice to help you with your career today. Below are some of the top job tips that past you might offer. (See also: <a href="http://www.wisebread.com/7-career-tips-you-wish-you-could-give-your-younger-self?ref=seealso" target="_blank">7 Career Tips You Wish You Could Give Your Younger Self</a>)</p> <h2>1. Don't settle</h2> <p>We all sometimes settle with work and personal matters, but your younger self wouldn't accept so many compromises. If you're long overdue for a promotion, stuck feeling taken advantage of, or simply miserable at your place of work, figure out what you want and what you deserve, and set out to achieve it. You should be happy with where you are in your professional life, not just mindlessly coasting through.</p> <h2>2. Be more aggressive and proactive</h2> <p>Your younger self would want you to stand up for your convictions, be aggressive in your desires, and be proactive about getting what you want. A good place to start is <a href="http://www.wisebread.com/5-times-you-should-demand-a-raise?ref=internal" target="_blank">asking for a raise</a>.</p> <h2>3. Follow your passion</h2> <p>As we get older, we sometimes feel compelled to put aside our interests and passions while we address the responsibilities and demands of adulthood. But if we put them aside for too long, we lose ourselves in day to day duties and forget about the things that really drive and excite us. Is this the job or career you really want? Are there classes you can take or communities you can join to pursue your passion? Don't leave it on your back burner any longer.</p> <h2>4. Don't waste time at a job you hate</h2> <p>Your younger self was eager to set out on the career path. You had fire, passion, and determination to succeed in your field. Younger you would have never tolerated riding it out in a job you couldn't stand just for the sake of a paycheck &mdash; so why would you do that now? If you dread work every day, stop wasting your time hating on a soul-sucking job, and start focusing your energy on finding a new one. (See also: <a href="http://www.wisebread.com/8-signs-you-should-quit-your-job?ref=seealso" target="_blank">8 Signs You Should Quit Your Job</a>)</p> <h2>5. Don't let money cloud your judgment</h2> <p>You undoubtedly made a lot less money in your younger days, but you likely were okay with making minimum wage back then. As we make more money, lifestyle creep can cloud our assessment of what we need versus what we want. This might cause us to make decisions that keep us unhappy. Take stock of what you have, what you really need, and what you really want out of life.</p> <h2>6. Leave your work at the office</h2> <p>During the earlier days of summer and college jobs, you didn't bring your work home with you. Now, it can be difficult to draw the line between home and work, especially with your smartphone delivering emails and easy access to documents via the cloud. Your younger self would remind you to enjoy your personal time at home, and devote your entire self to work while you're at the office.</p> <h2>7. Take advantage of the weekend</h2> <p>Your younger self probably spent weekends hanging out with friends, relaxing at home, and spending quality time to just recharge and enjoy life. Don't lose sight of that! Weekends exist for a reason &mdash; you aren't a machine. Spend your days off doing something fun instead of worrying about work or fulfilling obligations. Clear your head with a relaxing road trip, take up a new hobby (maybe even <a href="http://www.wisebread.com/10-awesome-money-making-hobbies?ref=internal" target="_blank">one that will pay off</a>!), or just sleep in. The weekend is your time to unwind; honor it.</p> <h2>8. Seek out other opportunities</h2> <p>Let's admit it: Some of us lose motivation as we get older. We settle into routines, and never bother to see what good things could be waiting just around the corner. Your younger self jumped at new opportunities, and even sought them out. Put forth the effort to learn a new skill, network with other pros, and even <a href="http://www.wisebread.com/8-freelance-gigs-anyone-can-do-to-make-extra-money?ref=internal" target="_blank">take up a side gig</a>. In addition to furthering your career, you could make some extra money, too!</p> <h2>9. Don't fear change</h2> <p>Your younger self didn't fear change. Starting over with a new job, even if it means leaving your old comfortable one behind, can be scary &mdash; but your younger self would have made that leap in an instant to better your life. Or maybe you turned down your dream gig because it required a move to a different city or state. Would your younger self have shunned such a change? Yes, any major change, especially a professional one, can be nerve-wracking. And, these decisions do admittedly get tougher as we get older and put down roots. But never be afraid to try &mdash; you could end up missing out on something great.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F9-career-tips-your-younger-self-would-give-you&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%2520Career%2520Tips%2520Your%2520Younger%2520Self%2520Would%2520Give%2520You.jpg&amp;description=9%20Career%20Tips%20Your%20Younger%20Self%20Would%20Give%20You"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/9%20Career%20Tips%20Your%20Younger%20Self%20Would%20Give%20You.jpg" alt="9 Career Tips Your Younger Self Would Give You" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/9-career-tips-your-younger-self-would-give-you">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/6-ways-to-stay-motivated-on-the-job">6 Ways to Stay Motivated on the Job</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-pearls-of-career-wisdom-from-brian-tracy">6 Pearls of Career Wisdom From Brian Tracy</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-ways-to-deal-when-youre-way-behind-at-work">6 Ways to Deal When You&#039;re Way Behind at Work</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-succeed-at-work-despite-your-lousy-boss">How to Succeed at Work Despite Your Lousy Boss</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/7-signs-youre-working-for-an-impossible-boss">7 Signs You&#039;re Working for an Impossible Boss</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Productivity advice being proactive career tips jobs motivation procrastinating work younger self Wed, 29 Mar 2017 09:00:12 +0000 Andrea Cannon 1914690 at http://www.wisebread.com 5 Things to Remember Every Time You Face a Financial Failure http://www.wisebread.com/5-things-to-remember-every-time-you-face-a-financial-failure <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-to-remember-every-time-you-face-a-financial-failure" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-494706352.jpg" alt="Woman remembering things after a financial failure" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Failure is a universal phenomenon, but it's one that makes you feel isolated and alone when it happens to you. When it comes to financial failures &mdash; from thwarted entrepreneurial ambitions, to poor investment decisions, to overwhelming debt &mdash; the feeling of failure is magnified by the fact that talking about money is taboo in our culture, and there are relatively few safe spaces to discuss your financial problems.</p> <p>But financial failure is just as common as any other kind of failure, and there is no reason to let it derail your path to success. When you face a financial failure, remembering these key facts can help you pick yourself up, dust yourself off, and keep working toward your financial goals.</p> <h2>1. No One Else Is Keeping Track of Your Failures</h2> <p>Just out of my graduate education program, I applied for a teaching position at every school district within driving distance. I sent out about two dozen applications. I went on about four job interviews. And two weeks before the school year began, I landed an interview and a job at my preferred district.</p> <p>During that time, I beat myself up for all the districts that weren't calling me and all the interviews that didn't result in a job. But from the outside, my series of failures looked like me landing a job right out of graduate school at the district of my choice.</p> <p>Facing a series of failures before reaching success is a part of life, but no one other than you sees all of those failures. If you've tried over and over again to get the job you want, or tame your <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">credit card debt</a>, or qualify for a small business loan, no one other than you will be keeping a tally of the times it didn't work. You are the only person tracking your failures.</p> <h2>2. Failure Is Not the End</h2> <p>Life is a little messier than in the movies. Moments of success do not end with a swell of music and rolling credits &mdash; and neither do moments of failure. Your life continues after you declare bankruptcy, even if your day-to-day life looks a little different from it did before your bankruptcy.</p> <p>That means no financial failure is the end of the story &mdash; unless you choose to let it be the end. Yes, you made some mistakes in the past that led to a big financial consequence, but you can always choose to get up each day after a bankruptcy, job loss, or disastrous investment, and get to work on rebuilding.</p> <h2>3. Without Failure, It Is Difficult to Recognize Success</h2> <p>If everything you tried came easily to you, then you would never feel anything but neutral about your success. It is failing at something that helps you recognize, enjoy, and be grateful for the success that comes afterward. Failure may feel pretty terrible, but it gives success its sweetness. This is especially true of the kind of behavioral changes you have to make to be financially successful.</p> <p>For instance, sticking to a budget is a difficult skill, and very few rookie budgeters are going to be good at it right out of the gate. Having several months where you blow your budget might seem like a failure worthy of giving up on budgeting altogether, but such blown budgeting months are part of your learning experience.</p> <p>If you're willing to learn from those mistakes, you'll get to a place where you know how to handle unexpected expenses, invitations, or financial problems without overspending. And it will feel so much better to succeed at your budgeting after learning from your failures than it would to have budgeting come easily to you.</p> <h2>4. No Failure Defines You</h2> <p>In the midst of a financial failure, it can be very easy to get discouraged and decide that you failed because there is something wrong with you. For instance, you might be furious at yourself for failing yet again to sign up for your company's 401K, or missing another due date for a bill. You might think that you can't do <em>anything</em> right because you've failed to do this task. But such global application of your anger at yourself is counterproductive and completely untrue.</p> <p>Instead, invest the time to think about the specific reasons why you failed. Do you feel overwhelmed by the decisions you have to make to sign up? Do you have too many bills to keep track of?</p> <p>Once you have pinpointed the specific reasons behind your failure, you can start to focus on what you need to do to rectify the situation, all while recognizing that you are not defined by your failure.</p> <h2>5. You Are Not in a Competition</h2> <p>Experiencing a job loss or other financial failure can be devastating no matter when it happens, but it is particularly tough when your friends or colleagues are doing well at the same time. Having to move back in with your parents after losing a job can already feel like a type of failure, but it can feel even worse if your best friend receives a major promotion and raise at work at around the same time. You might feel as if you're falling behind while they pull ahead of you.</p> <p>However, comparing your life to others' lives is a losing proposition, since there will always be someone doing better (and someone doing worse, for that matter) than you. You are not in a race to succeed, and there are no winners and losers &mdash; so don't let yourself feel bad because of where you are in relation to others. You are where you are, and you can find success from there.</p> <h2>Don't Let Financial Failure Get the Better of You</h2> <p>We all face financial failure at some point in our lives. Feeling devastated is perfectly normal, but don't let it be your only reaction to such a failure. Instead, remember that failure is just one of the steps on the path to success.</p> <h2 style="text-align: center;">Like this article? Pin it!&nbsp;</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-things-to-remember-every-time-you-face-a-financial-failure&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%20Things%20to%20Remember%20Every%20Time%20You%20Face%20a%20Financial%20Failure.jpg&amp;description=5%20Things%20to%20Remember%20Every%20Time%20You%20Face%20a%20Financial%20Failure" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Things%20to%20Remember%20Every%20Time%20You%20Face%20a%20Financial%20Failure.jpg" alt="5 Things to Remember Every Time You Face a Financial Failure" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-things-to-remember-every-time-you-face-a-financial-failure">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-2"> <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/why-you-need-to-make-financial-habits-not-goals">Why You Need to Make Financial Habits, Not Goals</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-minute-finance-create-financial-goals">5-Minute Finance: Create Financial Goals</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-reasons-youre-still-stuck-in-a-financial-hole">8 Reasons You&#039;re Still Stuck in a Financial Hole</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/5-bedtime-routines-of-famous-financial-gurus">5 Bedtime Routines of Famous Financial Gurus</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/reach-your-money-goals-faster-with-a-simple-naming-trick">Reach Your Money Goals Faster With a Simple Naming Trick</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance failures financial goals habits motivation picking yourself up success Tue, 21 Feb 2017 10:00:22 +0000 Emily Guy Birken 1893289 at http://www.wisebread.com Reach Your Money Goals Faster With a Simple Naming Trick http://www.wisebread.com/reach-your-money-goals-faster-with-a-simple-naming-trick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/reach-your-money-goals-faster-with-a-simple-naming-trick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/boy_piggy_bank_33365082.jpg" alt="Boy reaching money goals faster with naming trick" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I used to feel crushed by my to-do list. I could never complete all the tasks on the list according to my (unrealistic) schedule, so I always felt like a loser. Even when I did complete all the tasks on my daily list, I never felt the sense of accomplishment that I hoped for.</p> <h2>What Would Han Solo Do?</h2> <p>While researching a better way to manage my list, I stumbled across the concept of <a href="http://www.wikihow.com/Create-an-Effective-Action-Plan">action plans</a>. According to project managers who specialize in getting things done, to-do lists aren't particularly useful for a variety of reasons. Action plans lead to success. Learning to action plan was going to revolutionize my schedule!</p> <p>But then I got sidetracked, so I never got around to actually formulating an action plan. But it didn't matter. Just renaming my daily list of chores &quot;Plan of Action&quot; instead of &quot;To Do&quot; made me feel so much better about myself. I became more productive because I'd freed my brain from worry and made more space for creative thinking. Who writes to-do lists? Chumps, obviously. Who writes action plans? The architects of D-Day. The United Nations. Han Solo.</p> <p>Did Han Solo consult his to-do list before he shot first? No. He did not.</p> <h2>Is My Home Equity Line of Credit Half Full or Half Empty?</h2> <p>Currently, my husband and I are <a href="http://www.wisebread.com/my-2016-budget-challenge-why-i-need-to-find-31k-this-year">paying down a $15,000 loan</a> that we had to take out to replace the outgoing sewer line of our house. Plumbing is pretty much the least sexy way to spend money on home repair.</p> <p>Other than our home mortgages, this loan is, by far, our largest debt. And, I hate debt. Debt makes me feel unsafe and without choices. The lack of control attached to this debt specifically ticks me off. It's not like we had a choice in the matter. We didn't accrue this debt by doing something fun like taking a vacation we couldn't afford. We have this loan because our sewer line broke and we had to fix it.</p> <p>Since a simple name change made my to-do list feel more manageable, I wondered if renaming the sewer loan would make me feel less angry about paying down this debt.</p> <h2>First World Pooping</h2> <p>&quot;Oh, you're the one with the funny account names,&quot; says the bank teller as she completes my deposit. The HELOC that I had to take out to pay for the sewer line is now named &quot;First World Pooping.&quot;</p> <p>In my hours of grumpy rumination about how much I hate the sewer line loan, I had come to two realizations:</p> <ul> <li>About 60% of the world's population doesn't have indoor plumbing or even adequate sanitation. I have $15,000 in debt because my husband and I made the choice to repair our sewer line, instead of letting raw sewage drain into the dirt under our house. Six out of 10 people on the planet <a href="http://www.slate.com/blogs/future_tense/2013/02/22/_60_percent_of_the_world_population_still_without_toilets.html">can't choose to have a working toilet</a>.</li> </ul> <ul> <li>Although $15,000 is a huge chunk of change for me, 80% of the world's population&nbsp;<a href="http://www.globalissues.org/article/26/poverty-facts-and-stats">lives on less than $10 per day</a>, so just my ability to get an emergency loan for $15,000 puts me in the uppermost strata of wealth on the planet.</li> </ul> <p>In other words, my $15,000 sewer repair is a First World Problem. I may not like the cost of my choice, but I have enough financial control over my life that I can enjoy the privilege of flushing the toilet with drinking water.</p> <p>Paying down the sewer loan each month still gives me no pleasure, but I no longer resent this debt like I used to. By renaming the loan &quot;First World Pooping&quot; I get a monthly reminder to practice gratitude for my comfortable, First World life.</p> <h2>Motivated Savings</h2> <p>In addition to renaming my loans, I have renamed all my bank accounts to help me meet my financial goals. I am more inspired to put money into my &quot;OMG Retire Early!&quot; account than I ever was when it was just named &quot;Retirement.&quot; Socking away cash in my &quot;Escape Plan&quot; is somehow more fun than topping off my &quot;Emergency Fund.&quot; Who has emergency funds? People who are worried about future plumbing problems. Who has an &quot;Escape Plan?&quot; Han Solo.</p> <p>My account formerly known as &quot;Savings&quot; has been repeatedly renamed with the location of my next vacation. Every time I open up my bank records I get a positive push to save more money.</p> <h2>Obsessive Compulsive Labeling</h2> <p>I know this will come as a complete shock to anyone who reads this, but I have OCD. When I mentioned to my OCD support group that relabeling chores had a positive effect on my productivity, worldview, and bank account, I discovered that this brain hack is actually a fairly common <a href="https://www.psychologytoday.com/blog/in-practice/201301/cognitive-restructuring">Cognitive Behavioral Therapy</a> exercise that is used to treat a variety of common psychological problems. I don't know if renaming every chore will cure my OCD, but it has made reaching financial goals a little easier.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Freach-your-money-goals-faster-with-a-simple-naming-trick&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FReach%2520Your%2520Money%2520Goals%2520Faster%2520With%2520a%2520Simple%2520Naming%2520Trick.jpg&amp;description=Reach%20Your%20Money%20Goals%20Faster%20With%20a%20Simple%20Naming%20Trick"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Reach%20Your%20Money%20Goals%20Faster%20With%20a%20Simple%20Naming%20Trick.jpg" alt="Reach Your Money Goals Faster With a Simple Naming Trick" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/reach-your-money-goals-faster-with-a-simple-naming-trick">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-2"> <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/5-minute-finance-create-financial-goals">5-Minute Finance: Create Financial Goals</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-to-manage-your-money-during-a-spousal-separation">How to Manage Your Money During a Spousal Separation</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/7-signs-youre-financially-ready-to-start-a-family">7 Signs You&#039;re Financially Ready to Start a Family</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/where-to-find-emergency-funds-when-you-dont-have-an-emergency-fund">Where to Find Emergency Funds When You Don&#039;t Have an Emergency Fund</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/7-money-conversations-parents-should-have-with-their-adult-kids">7 Money Conversations Parents Should Have With Their Adult Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Life Hacks Organization bank accounts banking budgeting debt fun inspiration loans motivation renaming saving money Thu, 27 Oct 2016 10:00:11 +0000 Max Wong 1821541 at http://www.wisebread.com Create a Reverse Bucket List to Improve Your Money Management http://www.wisebread.com/create-a-reverse-bucket-list-to-improve-your-money-management <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/create-a-reverse-bucket-list-to-improve-your-money-management" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_notebook_thinking_73069659.jpg" alt="Woman creating reverse bucket list for money management" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Having financial goals is a wonderful thing. And having lofty ones is even better, because it pushes you to see exactly what you can do &mdash; maybe even more than you'd ever thought possible with your money.</p> <p>But, some days, having goals is just plain frustrating. When you're always looking at where you haven't gotten to yet or what you haven't yet achieved, it's easy to feel like you'll never get there, or like you aren't good enough. You might begin to wonder what the point of these goals is, anyway.</p> <p>That's where the reverse bucket list comes in.</p> <h2>Make a Reverse Bucket List</h2> <p>When it comes to your finances, a reverse bucket list is simply a list of things you've already accomplished financially, or a list of goals you've already met.</p> <p>My husband and I tried this recently. On our list, we put things like buying a house, getting away to Cancun last year, not taking on more debt despite several major expenses this year, and paying off my student loan.</p> <p>Some of these things &mdash; like buying a house &mdash; were things that we had made into goals. They were things we wanted to do, things we saved to do, and things we accomplished over time. Others weren't explicit goals, like not taking on more debt. But we added them because they felt like financial accomplishments to us.</p> <p>Take some time to make your list. Some items &mdash; like, for us, paying off the student loans &mdash; might be things that you accomplished years ago, so they may not be in the forefront of your mind. Give yourself a day or two to think over your list, coming back to add things when you remember them.</p> <h2>The Reverse Bucket List and Positivity</h2> <p>The first thing that we felt, when we looked over our final list, was an overwhelming sense of positivity. We have been discouraged lately. This year seems to have been one surprise attack after another when it comes to our money, and it's frustrating to work harder than ever only to see the balances go down.</p> <p>When we looked at our list, though, we started to feel better about ourselves and the way we're living. We are still people who can make good financial decisions, as evidenced by the number of things we've accomplished in that realm. In fact, it's those decisions that put us where we are now &mdash; without any new debt &mdash; even though life hasn't cooperated recently.</p> <p>Looking at our list has also made us feel more positive about continuing to pursue the financial goals we haven't met yet, even though we feel like our most recent progress has been negative. For each item on the list, we can remember the moment where it happened, where we felt proud and happy, and that motivates us to keep putting one foot ahead of the other.</p> <p>Making this list definitely raised our motivation levels and helped us look at our situation realistically. Setbacks happen. They aren't necessarily a commentary on us or our intelligence or our financial prowess. And now, we feel like moving forward again.</p> <h2>Understanding Your Finances Through the Reverse Bucket List</h2> <p>Looking at our reverse bucket list also helped us find some patterns in our spending and saving that will help us as we move forward.</p> <p>For instance, the closer I get to a goal, the more likely I am to pursue it wholeheartedly. When we were just about able to pay off my student loans, I stopped buying everything that wasn't extra. I could see victory, I could taste it, and I wanted it!</p> <p>On the other hand, when I'm not anywhere near meeting any goals, I tend to spend a lot more haphazardly. If I feel like I will never get there, or I feel like we are just going to encounter another setback anyway, I figure I might as well buy what I want while I have the money in my hands.</p> <p>Moving forward, we are planning to structure our goals differently, making them tiered rather than all-or-nothing. That way, I can always feel like I'm just about to achieve something, so I won't be as tempted to spend in any given moment.</p> <h2>Find What Motivates You</h2> <p>When we thought about our list, we also noticed that we are highly motivated by travel. When we saved for travel, we were able to save quickly, simply because we both really love to get on a plane and see somewhere new.</p> <p>Now, when you have a mortgage and other student loans like we do, you can't just make all of your goals about traveling. But we realized that staggering our goals so that travel goals are included in every two or three things we save for would help us.</p> <p>For instance, when we pay off my husband's student loans, we are planning a trip to New Zealand. We know that we can take that trip as soon as these other goals are met. Even if it takes us several years, we will feel more motivated knowing that the travel goal is coming up, even if the gratification isn't immediate.</p> <p>A financial reverse bucket list won't solve all of your problems, but it certainly might make you feel better about your money situation and help you figure out how to structure your goals so they best suit you.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/create-a-reverse-bucket-list-to-improve-your-money-management">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-think-like-an-olympian-to-master-your-money">How to Think Like an Olympian to Master Your Money</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-mental-habits-that-make-the-rich-richer">5 Mental Habits That Make the Rich Richer</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/reach-your-money-goals-faster-with-a-simple-naming-trick">Reach Your Money Goals Faster With a Simple Naming Trick</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-talk-to-friends-and-family-about-money-without-making-everyone-mad">How to Talk to Friends and Family About Money (Without Making Everyone Mad)</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/6-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance General Tips accomplishments advice goals inspiration motivation positive thinking psychology reverse bucket list Wed, 14 Sep 2016 09:00:07 +0000 Sarah Winfrey 1792247 at http://www.wisebread.com My 2016 Budget Challenge: Where to Find Cheap Training for a New Career http://www.wisebread.com/my-2016-budget-challenge-where-to-find-cheap-training-for-a-new-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/my-2016-budget-challenge-where-to-find-cheap-training-for-a-new-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_computer_stress_84635733.jpg" alt="Woman finding cheap training for a new career" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>[Editor's Note: This is another episode in Max Wong's journey to find an extra $31,000 this year. Read the whole series </em><a href="http://www.wisebread.com/topic/max-wongs-budget-0" target="_blank"><em>here</em></a><em>.]</em></p> <p>Yesterday, one of my friends asked: &quot;So, what are you working on?&quot; To which I responded: &quot;Um, you know, stuff. All sorts of things. I'm so busy. Uhhhhh, It's kind of boring to explain.&quot;</p> <p>For the past four weeks I've been grinding away at an increasingly long To Do list. It's always been like this. Or, to be accurate, I've always been like this. I always complete the majority of my projects during the last four months of the year. Perhaps it's because 24 years after graduation, I still feel like September is the start of a new year. Or perhaps it's the change of seasons&hellip; even though Los Angeles only has two seasons: vacation weather and unreasonably hot.</p> <p>Or, perhaps I accidentally schedule all my deadlines for every project for December 31st. Regardless of the motivation, my completion panic kicked into high gear one month early this year.</p> <p>I suspect it's the public shaming aspect of this writing exercise that has accelerated my inner clock. After all, it's September and I am still over $21,000 short of meeting my goal of saving $31,000 before the end of the year. If I want to make this goal, I will need to make or save an additional $5,280 <em>per month</em>. Uhn.</p> <p>To that end, I have been working every moneymaking angle available to me from the confines of my house. I am canning my award-winning fig jam in advance of Holiday Craft Fairs, I have applied to every job lead that has come my way (including one that would require me to wear an abaya everyday for a month &mdash; but since I look weirdly cute in a headscarf, this is actually not a bad thing), and I am selling everything I don't completely love on Craigslist and eBay.</p> <p>At the end of June, <a href="http://www.wisebread.com/my-2016-budget-challenge-does-taking-a-regular-day-job-mean-giving-up" target="_blank">I got a really good job lead</a> from my sister. If I can become an expert at Adobe Illustrator and pass her company's skill test, she can hire me for a freelance job that would easily make up my budget shortfall.</p> <h2>Access Free Job Skill Training Via the Library</h2> <p>Once I learned about the job opportunity, I jumped into action. I subscribed to Adobe Illustrator ($30 per month) believing that I would be illustrating everything by the end of the 30-day free trial period. &quot;I totally got this,&quot; I told myself. &quot;I'm going to spend the 4th of July watching 32 hours of Lynda.com tutorials that I can download for free using my Los Angeles Public Library card. Then I will give myself three weeks to cram for the skill test. My education cost will be zero and I can work full time starting in August.&quot;</p> <h2>Cramming Doesn't Work</h2> <p>I started watching the Lynda.com tutorials that same night. Two hours in I began to lose focus to the point that I had to stop and rewind the video several times because I kept spacing out. &quot;Ugh. What is wrong with me? Why am I struggling so hard to learn this?&quot; I asked my best friend. &quot;Well,&quot; she answered, &quot;there's a reason why most college classes are only two hours long. Your brain is actively learning, not binge watching Daredevil, you dummy.&quot;</p> <p>Oh.</p> <p>Now resigned to the fact that I cannot master Adobe Illustrator in one marathon study session, I've had to alter my schedule for total budget domination considerably. Not without a huge amount of denial, I have discovered that my brain can only absorb an hour of technical lecturing per day. So it was 32 days of watching tutorials, not three. I've also had to admit to myself that it's going to take a minimum of 100 hours of practice with the Pen Tool before I have any proficiency. So basically, my free self-education and accelerated learning plan now looks and costs the same as a semester-long class at my local community college, but without teacher office hours so I can actually get one-on-one assistance.</p> <p>What is possibly worse than acknowledging that I am not the quick study I thought I was? The realization that I am now losing paid work hours to unpaid study hours. In order not to backslide into more debt, I will have to get a better-paying job to supplement my job training for a better-paying job.</p> <p>Sigh. Lesson learned?</p> <h2>Progress So Far</h2> <p>My blood tests are fine. My teeth are fine. My boobs are fine. My OCD is&hellip;what it is. My savings this month? Not so much. My regularly scheduled doctors' appointments erased any savings from Mr. Spendypants this pay period as I'm on his health insurance. (Thanks Cutie).</p> <p>Between my new study schedule and my doctor appointments, I only managed to turn in $90 worth in writing work this pay period. Luckily, my bees came through for me and helped me sell $150 in bees and $293.76 in honey. Because I've been under house arrest, and Mr. Spendypants has been working 16 hours a day, we still managed to come out $533.76 ahead, even with all the medical expenses.</p> <p><strong>Goal:</strong> $31,000</p> <p><strong>Amount Raised:</strong> $22,040.17</p> <p><strong>Amount Spent:</strong> $12,153.66</p> <p><strong>Amount Left to Go:</strong> $21,113.49</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/my-2016-budget-challenge-where-to-find-cheap-training-for-a-new-career">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/my-2016-budget-challenge-job-creation">My 2016 Budget Challenge: Job Creation</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/my-2016-budget-challenge-everything-breaks">My 2016 Budget Challenge: Everything Breaks</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/my-2016-budget-challenge-does-taking-a-regular-day-job-mean-giving-up">My 2016 Budget Challenge: Does Taking a Regular Day Job Mean Giving Up?</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/tips-for-increasing-your-financial-literacy">Tips for Increasing Your Financial Literacy</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/my-2016-budget-challenge-how-to-buy-a-house-when-you-live-paycheck-to-paycheck">My 2016 Budget Challenge: How to Buy a House When You Live Paycheck to Paycheck</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Career and Income budget challenge career skills deadlines debt job hunting job skills learning max wongs budget motivation Fri, 09 Sep 2016 10:00:10 +0000 Max Wong 1788919 at http://www.wisebread.com 7 Surprising Benefits of Failure http://www.wisebread.com/7-surprising-benefits-of-failure <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-surprising-benefits-of-failure" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_writing_happy_86075345.jpg" alt="Woman learning surprising benefits of failure" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Everyone loves a success story, and the world is filled with them. But what about stories of failure? Can't they be as just as educational? Just as inspirational? Equally insightful? After all, a single big win is often built on several losses. It's a truth perfectly captured in the words of Japanese industrialist and automaker, Soichiro Honda, &quot;Success is 99% failure.&quot;</p> <p>Maybe it's time to look past the sound bites of success and examine the transformational power of <em>not succeeding</em>. Here are the seven surprising benefits of failure.</p> <h2>1. Failure Teaches Lessons</h2> <p>Failure can be an efficient (if sometimes harsh) teacher. In our careers, in our financial lives, and in our frugal living goals, learning what not to do is just as important as learning what to do. And the personal bankruptcy laws in the United States embody the positive potential of failure by allowing individuals the room to right themselves, to learn from their mistakes, and move on.</p> <h2>2. Failure Keeps Us Hungry and Humble</h2> <p>The biggest enemy of long-term success is complacency. History is littered with stories of once great nations, cultures, and companies that banked on the notion that a successful past guarantees a successful future. But failure has a way of motivating us &mdash; of keeping us hungry and also humble. People who know from experience that fortunes can be lost, that competitors never sleep, that downsizing happens, and that every market boom can go bust tend to be more highly driven and much more intentional.</p> <h2>3. Failure Helps Us Overcome Fear</h2> <p>What is it that we're most afraid of when we don't take full advantage of sound investments? Or when we put off saving for retirement for decades? When we stay stuck in a job we hate, year after year? I'd argue that we're most afraid of failing. But here's the curious thing about failure: Once you've faced it, it becomes the enemy you know. That familiarity can help you move on with the confidence that a stumble or fall won't be the end of your story.</p> <h2>4. Failure Recommits Us to Our Goals</h2> <p>Personal setbacks can be clarifying. Several years ago, a close friend of mine amassed a whopping amount of consumer debt. Though he'd always considered himself fairly frugal and financially savvy, he'd let a few little slip-ups become a big downward slide and was nearly bankrupt. (See also: <a href="http://www.wisebread.com/6-attitudes-that-breed-financial-failure?ref=seealso">6 Attitudes That Breed Financial Failure</a>)</p> <p>As his closest confidant, I had a front-row seat to my friend's yearlong financial meltdown. But instead of giving up, he committed to a life of debt-free living with a renewed of sense of purpose. He paid off the card balances with laserlike focus and hasn't slipped up since.</p> <h2>5. Failure Inspires Creative Solutions</h2> <p>In 2007, my cushy and fairly lucrative contract position with a top tech firm came to an abrupt end. The situation forced me to re-evaluate what I wanted the future of my career to look like. I knew I wanted to keep working remotely, retain some level of employment autonomy, and (hopefully) avoid a severe pay cut. Over the next few years, I built a small, but thriving independent business &mdash; a business that likely would have never been launched had that contracting position continued without interruption. Though I certainly couldn't see it at the time, that job loss forced me to put something new &mdash; and ultimately, more rewarding &mdash; in motion. (See also: <a href="http://www.wisebread.com/11-famous-failures-that-led-to-success-and-the-lessons-they-teach?ref=seealso">11 Famous Failures That Led to Success</a>).</p> <h2>6. Failure Strengthens Our Support System</h2> <p>The old poetic line, &quot;Laugh, and the world laughs with you; weep, and you weep alone,&quot; may not be entirely accurate. When we fail, we send out flares (often without realizing it) to those who matter most: friends, family, and close colleagues who can offer assistance or simply lend a sympathetic ear. The process strengthens our support system and builds a network of resources to help us succeed next time.</p> <h2>7. Failure Makes Us More Valuable Mentors</h2> <p>The most qualified teachers are those who have been through it all and know how to weather it all. A large part of effective mentorship is helping anticipate and avoid pitfalls, stay focused, and respond to challenges with creativity and optimism.</p> <p><em>Have you benefited from failure? What's the most surprising or important lesson it taught you? Share your story!</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/7-surprising-benefits-of-failure">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-famous-failures-that-led-to-success-and-the-lessons-they-teach">11 Famous Failures That Led to Success (And the Lessons They Teach)</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/success-secrets-you-should-have-learned-in-high-school-but-didnt">Success Secrets You Should Have Learned in High School — But Didn&#039;t</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/how-to-embrace-failure-keep-going-and-win">How to Embrace Failure, Keep Going, and Win</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-radical-implosion-can-help-you-get-ahead-at-work-and-everywhere-else">How &quot;Radical Implosion&quot; Can Help You Get Ahead at Work — and Everywhere Else</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/book-review-outliers-by-malcolm-gladwell">Book Review: Outliers by Malcolm Gladwell</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Life Hacks benefits courage epic fail fail failure motivation obstacles success surprising benefits Wed, 06 Jul 2016 10:30:08 +0000 Kentin Waits 1745835 at http://www.wisebread.com Give Yourself a Break: The Productivity Secret That'll Change the Way You Work http://www.wisebread.com/give-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/give-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/coffee_break_sign_000068533353.jpg" alt="The productivity secret that will change the way you work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a person who makes a living doing freelance and contract work from home, there are two questions I tend to get about my job. The first is whether I work in pajamas. (The answer is no.) The second is how I manage to get any work done at all.</p> <p>&quot;If I worked at home, I don't think I'd get <em>any </em>work done,&quot; people often tell me. &quot;How do you manage to <a href="http://www.wisebread.com/5-ways-to-stay-productive-while-working-from-home">stay productive</a> for eight hours a day on your own?&quot;</p> <p>The simple answer? I don't.</p> <p>And, according to research about productivity in the workplace, you probably aren't productive for eight straight hours either, whether you're working at a laptop at your kitchen table or sitting in an office or cubicle. In fact, some research suggests that many office workers are productive for <a href="http://www.employeebenefits.co.uk/news/only-three-hours-of-productivity-a-day/103618.article">as little as three hours</a> per eight-hour work day.</p> <p>Here are five tips on how to get the most work done in the least amount of time so that you can head home early &mdash; or at least right on time.</p> <h2>1. Recognize Your Window of Productivity</h2> <p>When I sit down at my desk, I typically jump right into working. Then, after a while, my mind starts to wander. In the past, this really frustrated me. I need to be working! In fact, periods of inattention are pretty normal &mdash; necessary, even.</p> <p>Research by Draugiem Group, a social networking company, suggests that the average person can only maintain concentration and productivity for about&nbsp;<a href="http://www.fastcompany.com/3035605/how-to-be-a-success-at-everything/the-exact-amount-of-time-you-should-work-every-day">52 minutes at a time</a>. However, while many people try to push through this window, the most productive workers actually do something quite different: They take a 17-minute break during which they do something completely unrelated to work. They leave their desks. They take a walk. They chat with co-workers. They read a book. They take a nap.</p> <p>That might sound lazy, but research suggests that our brains &mdash; much like our bodies &mdash; need to rest following hard work. And, just like doing too much exercise without rest will eventually cause the body to break down, running your brain at full speed tends to lead to burnout. That's because our brains are designed to cycle between two types of activity: <a href="http://www.nytimes.com/2014/08/10/opinion/sunday/hit-the-reset-button-in-your-brain.html?_r=0">focused attention, and wandering or daydreaming</a>. And, it is in this latter phase of attention that our brains not only rest, but collate and process the things we've just been working on. It's why inspiration tends to strike when we're doing the most mundane things. It's while at rest that our brains have a chance to make new connections.</p> <p>So, the first step to becoming more productive is to get a sense of how long you can work before your mind starts to wander. Is it 30 minutes? 50 minutes? An hour? Once you figure that out, you can start breaking your work day into blocks of about that size, followed by short, restful breaks.</p> <h2>2. Be Realistic About Your Goals</h2> <p>No one's going to pat you on the back or give you a promotion for writing a single page of a huge report. Nevertheless, this is exactly the kind of goal that'll help you finish a project in the most efficient, effective way possible. Why? Because it's simple, it's achievable, and it's motivating.</p> <p>In fact, according to Harvard researcher Teresa Amabile, small, daily progress is the <a href="http://progressprinciple.com/books/single/the_progress_principle">most powerful workplace motivator</a> there is. So, rather than setting goals that are days or weeks in the making, set smaller goals that you can achieve each day. By completing a small, tangible goal each day, you will build momentum that'll help keep you on track. Plus, you'll be chipping away at bigger objectives in the most productive way possible.</p> <h2>3. Break Work Into Blocks</h2> <p>Now that you have some key goals, break your work into tasks that'll fit into 52-minute (or thereabouts) blocks. Start each work day by thinking about what you can complete within your productive window(s). Can you empty your email inbox? Finish a section of that spreadsheet? Write a specific portion of that big report? Whatever it is, prioritize your tasks and designate a block of your day for each thing you want to work on. Even with frequent breaks, your brain's mental capacity will wane as the day goes on, so you may also want schedule the most difficult tasks first thing in the morning</p> <h2>4. Spend Less Time on the Job</h2> <p>Depending on where you work, working less may not possible, but research suggests that it's ideal. Workaholics might <em>think</em> they're accomplishing more, but the research doesn't bear that out. In fact, it suggests we should all go home at 5:00 pm and get a life.</p> <p>We've known since way back that super-long work weeks deliver diminishing &mdash; and even negative &mdash; returns. In the early 1900s, Ford Motor Company determined that the optimum work hours for worker productivity amounted to no more than 40 hours per week. They even found that while adding an additional 20 hours per week boosted productivity initially, that increase only lasted for about a month, at which point the increase turned negative. More recent studies have found that the sweet spot for employment productivity is <a href="http://www.eurofound.europa.eu/sites/default/files/ef_files/pubdocs/2002/07/en/1/ef0207en.pdf">30 hours per week</a>. Other studies have found that after 50 hours, <a href="http://www.economist.com/blogs/freeexchange/2014/12/working-hours">output remained the same</a>. In other words, people tend to get the same amount of work done, whether they spend 50 hours or 70 hours on the job each week.</p> <p>Depending on where you work, you may not be able to cut your work days short, but you may be able to avoid being sucked into a culture that promotes staying at the office well into the night. Going home on time isn't a sign of laziness. It's smart idea, and one that'll help you deliver more and better work when you are on the clock.</p> <h2>5. Work Hard, Play Hard</h2> <p>Being more productive isn't about working longer or even harder. In fact, it's all about giving yourself a break. So if you find yourself unable to resist a few cat videos during the day, or you spend a little too long chatting with a coworker at lunch, it doesn't mean you're wasting time. As it turns out, that space between periods of work is where the real productivity happens.</p> <p><em>What techniques do you use to increase your productivity?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fgive-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FGive%2520Yourself%2520a%2520Break_%2520The%2520Productivity%2520Secret%2520Thatll%2520Change%2520the%2520Way%2520You%2520Work.jpg&amp;description=Give%20Yourself%20a%20Break%3A%20The%20Productivity%20Secret%20Thatll%20Change%20the%20Way%20You%20Work"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><em><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Give%20Yourself%20a%20Break_%20The%20Productivity%20Secret%20Thatll%20Change%20the%20Way%20You%20Work.jpg" alt="Give Yourself a Break: The Productivity Secret Thatll Change the Way You Work" width="250" height="374" /></em></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/give-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work">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/9-career-tips-your-younger-self-would-give-you">9 Career Tips Your Younger Self Would Give You</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-ways-to-stay-motivated-on-the-job">6 Ways to Stay Motivated on the Job</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/13-hacks-to-avoid-burnout-at-work">13 Hacks to Avoid Burnout at Work</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/15-alternatives-to-nagging">15 Alternatives to Nagging</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/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Productivity attention span motivation taking breaks working Tue, 21 Jul 2015 17:00:13 +0000 Tara Struyk 1493871 at http://www.wisebread.com Best Money Tips: Motivation Tips With Big Results http://www.wisebread.com/best-money-tips-motivation-tips-with-big-results <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-motivation-tips-with-big-results" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/motivated_woman_fitness_000031153704.jpg" alt="Woman using motivation tips that lead to big results" title="" 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 great articles on motivation tips that really work, ways to make a workout schedule that works, and ways to protect yourself from the Starbucks app attacks.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.stevenaitchison.co.uk/blog/10-motivation-tips-yield-big-results/">10 Motivation Tips that Yield Big Results</a> &mdash; Having a good time with friends and family can help you recharge when you feel tired and unmotivated. [Change Your Thoughts]</p> <p><a href="http://www.dumblittleman.com/2015/05/5-ways-make-workout-schedule-works.html">5 Ways to Make a Workout Schedule that WORKS</a> &mdash; Use an exercise program as a road map for getting in shape. [Dumb Little Man]</p> <p><a href="http://www.moneytalksnews.com/3-ways-protect-yourself-from-starbucks-app-attacks/">4 Ways to Protect Yourself From Starbucks App Attacks</a> &mdash; If you use the Starbucks app to pay for your coffee, make sure to use a strong password and change it often. [Money Talks News]</p> <p><a href="http://www.carefulcents.com/avoid-freelance-job-boards/">How to Find Well-Paying Freelance Gigs by Avoiding Job Boards</a> &mdash; It's time-consuming to search job boards, and there's no guarantee you'll find a job that's a good fit for you. You're more likely to find meaningful gigs that you'll enjoy if you reach out to your collegues and friends. [Careful Cents]</p> <p><a href="http://www.everybodylovesyourmoney.com/2015/05/13/how-to-set-yourself-up-for-financial-success-in-your-twenties.html">How to Set Yourself Up for Financial Success in Your Twenties</a> &mdash; You aren't limited to low-paying jobs while you're young. Look for opportunities to increase your pay sooner; the more money you earn, the quicker you'll reach your financial goals! [Everybody Loves Your Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.popsugar.com/smart-living/Things-Change-Your-Life-34745789">Mind-Bogglingly Easy Ways to Improve Your Life in 5 Minutes</a> &mdash; Take a few minutes to clear your desk and optimize your work space. [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/0514/Getting-married-How-to-have-the-money-conversation">Getting married? How to have the money conversation.</a> &mdash; Start by going over each person's finances &mdash; you don't have to pore over the details, but at least have a basic understanding of it so you can identify potential trouble spots and develop better financial habits as a couple. [The Monitor]</p> <p><a href="http://sustainablog.org/2015/05/5-places-to-donate-prom-dresses-for-reuse">5 Places To Donate Prom Dresses For Reuse</a> &mdash; Becca's Closet has chapters all over the country where you can donate a prom dress or pick one up to wear. [Sustainablog]</p> <p><a href="http://www.dontmesswithtaxes.com/2015/05/10-tips-for-dealing-with-irs-tax-notices.html">Don't ignore that IRS letter and nine other tax notice tips</a> &mdash; Read the IRS notices carefully. They usually contain important information, like if you need to give them more info, or if the IRS made any changes to your filing. [Don't Mess With Taxes]</p> <p><a href="http://parentingsquad.com/confidence-secrets-3-easy-steps-to-help-kids-stand-up-for-themselves">Confidence Secrets: 3 Easy Steps to Help Kids Stand Up for Themselves</a> &mdash; Use the power pose when someone is trying to put you down: keep your eyes up, shoulders back, and head held high. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-motivation-tips-with-big-results">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-2"> <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/10-self-improvement-apps-to-make-you-smarter-stronger-and-happier">10 Self-Improvement Apps to Make You Smarter, Stronger, and Happier</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/9-career-tips-your-younger-self-would-give-you">9 Career Tips Your Younger Self Would Give You</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/give-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work">Give Yourself a Break: The Productivity Secret That&#039;ll Change the Way You Work</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/25-ways-to-get-motivated-today">25 Ways to Get Motivated Today</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/6-ways-to-stay-motivated-on-the-job">6 Ways to Stay Motivated on the Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Productivity best money tips motivation Mon, 18 May 2015 19:00:07 +0000 Amy Lu 1424471 at http://www.wisebread.com 6 Ways to Stay Motivated on the Job http://www.wisebread.com/6-ways-to-stay-motivated-on-the-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-stay-motivated-on-the-job" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tired-businesswoman-office-Dollarphotoclub_64335712.jpg" alt="tired businesswoman" title="tired businesswoman" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I see you. Yeah, you. The one sitting in your cubicle, frustrated because the job you wanted, the job you killed yourself to get, is driving you crazy right now.</p> <p>And I see you, too. The one working hard at a job you don't really like. Maybe you need to pay the bills, or you need the benefits, or you know it's a stepping stone to something better. (See also: <a href="http://www.wisebread.com/5-simple-ways-to-fight-burnout?ref=seealso">5 Simple Ways to Fight Burnout</a>)</p> <p>No matter the reason behind your flagging motivation, you can get out of that funk. You can push through that wall. You can get yourself back on track. Even better, you can blow the track out of the water. Here's how.</p> <h2>1. See Your Goals</h2> <p>Most jobs have goals built-in, but even if you don't, you can at least outline some goals for performance, projects completed, and so on with your boss. (If you don't currently have any goals at work, by all means, sit down and produce some.)</p> <p>The thing is, having goals isn't, in and of itself, enough to keep you motivated. Like a high-performance athlete, you need to envision yourself meeting your goals. Include all the details of what it will be like to succeed in order to better understand the concrete steps you should take to get there. This visualization will also put you in a positive frame of mind and increase your motivation to succeed.</p> <p>For instance, imagine what it would be like to make your current project a huge success. Think about how your team would celebrate, what it would be like to get your boss's commendation, and how you'd talk about the success to others.</p> <p>All of this imagining helps you stay positive and work with sustained energy towards your goal.</p> <h2>2. Reward Yourself</h2> <p>In addition to having goals for the year or for a long-term project, make short-term goals for yourself, too, and reward yourself every time you meet them. Your brain is wired to respond positively to regular successes and rewards. Every time you succeed, it releases dopamine, which is tied to happiness and motivation.</p> <p>Break your long-term goals down into short-term ones by figuring out what's next. What is the very next thing that needs to be done to help you reach that long-term goal? When you determine that, you have your short-term goal. And when you meet that goal, give yourself a small reward. Over time, your brain will become wired for success.</p> <h2>3. Make It Fun</h2> <p>It's not hard to understand why doing fun things is more motivating than engaging in boring tasks, but making work fun can be quite a task. Usually, the jobs you're not motivated to do are the ones that are boring, repetitive, or just plain difficult.</p> <p>Try thinking of ways to make the hard parts more enjoyable, such as doing the most tedious parts of your job alongside a friend or coworker. You don't have to work on the same thing and you don't have to talk, but having another person around might make the whole thing more enjoyable.</p> <p>Focus on making work a place you enjoy in general. Then, ask yourself some questions about how to make the hard parts more fun, and you could see your motivation will soar.</p> <h2>4. Remember Your Reasons</h2> <p>If you're looking outside of yourself for motivation, sometimes there's none to be found. Instead, look inside yourself for the reasons why you want to do the job at hand.</p> <p>Internal motivation can come from many different places. Maybe you want to do well at work so that you can get a promotion. Maybe you need to do well to support your family or to care for someone close to you. And maybe you simply value doing the job well, even if it's not a job you adore.</p> <p>When you know your reasons for doing the job, your motivation comes from inside yourself. No one can touch that. They can't take it away from you, no matter how bad things get.</p> <h2>5. Only Control What You Can</h2> <p>Whether you're working with a team or by yourself, every job comes with circumstances that are outside of your control. Instead, think concretely about what you can control, and put all of your energy into controlling those&nbsp;areas. So, go ahead &mdash; put your heart and soul into making the best presentation you can, but understand that your clients still may not like it (and that this may have more to do with what they had for breakfast than with the presentation itself!).</p> <p>Putting boundaries around your energy and where you'll invest it can boost your motivation, because you won't be exhausted from running around like a headless chicken &mdash; nor will you feel beholden to every Jack or Jill's opinion.</p> <h2>6. Design a Plan B</h2> <p>Motivation plummets when you feel like you've failed &mdash; especially when it happens at work. Instead of viewing projects that aren't successful as failures, though, see them as simply one option that didn't work. And every time you find a way that doesn't work, you're one step closer to finding a way that does.</p> <p>Failing doesn't mean that you don't have a good idea. Even if you fail many times, it doesn't mean that what you're working on is a flop. If something crashes and burns, just check that way of doing things off your list and try another.</p> <p>When you see life through these glasses, you'll find yourself more motivated. Looking at things this way allows you to stop taking failure personally, to continue to believe in your ideas, and to work really, really hard to make things come together the next time.</p> <p>Finding motivation on the job is more about your mindset than anything else. When you change the way you think about your duties, you'll change the way you approach them; and you'll find yourself happier and more motivated at work.</p> <p><em>How do you stay motivated on the job? What works for you?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-to-stay-motivated-on-the-job&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Ways%2520to%2520Stay%2520Motivated%2520on%2520the%2520Job.jpg&amp;description=6%20Ways%20to%20Stay%20Motivated%20on%20the%20Job"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><em><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Ways%20to%20Stay%20Motivated%20on%20the%20Job.jpg" alt="6 Ways to Stay Motivated on the Job" width="250" height="374" /></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-ways-to-stay-motivated-on-the-job">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/9-career-tips-your-younger-self-would-give-you">9 Career Tips Your Younger Self Would Give You</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/give-yourself-a-break-the-productivity-secret-thatll-change-the-way-you-work">Give Yourself a Break: The Productivity Secret That&#039;ll Change the Way You Work</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-reasons-your-coworkers-think-youre-a-slacker">6 Reasons Your Coworkers Think You&#039;re a Slacker</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/15-alternatives-to-nagging">15 Alternatives to Nagging</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/getting-ahead-at-work-are-you-a-hammer-or-a-swiss-army-knife">Getting Ahead At Work: Are You A Hammer Or A Swiss Army Knife?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Productivity burnout motivation work Fri, 06 Mar 2015 10:00:04 +0000 Sarah Winfrey 1320888 at http://www.wisebread.com Want to Be Happier? Work These 7 Magic Words into Your Vocabulary http://www.wisebread.com/want-to-be-happier-work-these-7-magic-words-into-your-vocabulary <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/want-to-be-happier-work-these-7-magic-words-into-your-vocabulary" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-businessman-56518316-small.jpg" alt="happy businessman" title="happy businessman" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's a sad but true fact: Only one in three <a href="http://www.harrisinteractive.com/NewsRoom/HarrisPolls/tabid/447/ctl/ReadCustom%20Default/mid/1508/ArticleId/1200/Default.aspx">Americans say they are very happy</a>.</p> <p>With a <a href="http://www.epi.org/publication/class-of-2014/">tough job market,</a> a <a href="http://www.foxbusiness.com/personal-finance/2014/05/21/how-to-ask-and-get-raise-deserve/">hard time getting raises</a>, and a <a href="http://time.com/8740/federal-reserve-debt-bankrate-consumers-credit-card/">high level of debt</a>, many of us are getting hit with a triple whammy. This means that you need to take action and start working on improving your own happiness. (See also: <a href="http://www.wisebread.com/20-habits-you-must-start-right-now-and-be-a-better-person">20 Habits You Must Start Right Now and Be a Better Person</a>)</p> <p>One of the easiest ways to become happier is by simply starting to use these four words and phrases more often.</p> <h2>1. &quot;Yes&quot;</h2> <p>In <a href="http://www.amazon.com/gp/product/B0025YKDJC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0025YKDJC&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=CL2L3B33RKY6KXP6">Yes Man</a>, Jim Carrey plays Carl, a guy who challenges himself to say &quot;yes&quot; to everything for a year. From the start, this commitment ends up filling Carl's entire day with activities. It seems that he is so busy that he doesn't have time to be sad.</p> <p>Studies confirm this theory. (Yes! Actual scientific studies confirm the validity of a Jim Carrey movie.) Richard Weisman, a British psychologist and author of <a href="http://www.amazon.com/gp/product/0099443244/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0099443244&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=2MHPBTNRRRVGECXV">The Luck Factor</a>, believes that lucky people create, notice, and act on the chance opportunities in their lives by saying &quot;yes&quot; more often. Saying &quot;yes&quot; more often creates a fuller agenda, a fuller agenda keeps you busy, and being <a href="http://faculty.chicagobooth.edu/christopher.hsee/vita/Papers/IdlenessAversion.pdf">busier you makes you happier</a>.</p> <p>Of course, there are three important caveats to saying yes more often.</p> <ol> <li>Don't say yes to everything. Dangerous vices that can lead to addiction or activities that can put you in harm's way are generally not a good idea. Use your common sense.<br /> &nbsp;</li> <li>Be busy but don't feel rushed. Become part of the group of happier Americans, the ones that are not overwhelmly busy. Having too much free time leads to boredom, so the key to happiness is to be productive at a comfortable pace.<br /> &nbsp;</li> <li>Choose friends and relatives over tasks. Say &quot;yes&quot; to spending time with Uncle Paul rather than working overtime on that project. Turns out having a <a href="http://www.trncmagasinet.se/wp-content/uploads/2014/01/valuing_social_relationships_15.04.pdf">better social life can be worth as much as an additional $130,000 per year</a>. A man who has friends is indeed a rich man, and a happy one, too.</li> </ol> <h2>2. &quot;Will I&hellip;&quot;</h2> <p>If you are going to be busier, you need to be more efficient at getting the job done.</p> <p>The popular catchphrase &quot;I think I can&quot; from <a href="http://www.amazon.com/gp/product/0448463598/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0448463598&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=Q62QS3X2VBYVAJTG">The Little Engine that Could</a> has taught us from a young age that self-motivation is a key to success. However, it appears that the Little Engine might have gone about it wrong.</p> <p>Researchers from the University of Illinois at Urbana-Champaign tested the <a href="http://pss.sagepub.com/content/21/4/499.short">effects of &quot;I will&quot; and &quot;Will I&quot; on self motivation</a>. The test subjects were far more motivated to complete a task when using the phrase &quot;Will I,&quot; which is a question instead of a self affirmation.</p> <p>According to the researchers, by asking yourself questions about a specific task, such as &quot;Will I lose weight?&quot;, you are more likely to build your own motivation to complete the task. This means that <a href="http://www.amazon.com/gp/product/B004LQEYTC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B004LQEYTC&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=X7LLDH7KUU5SGM4E">Bob the Builder's</a> &quot;Can we fix it?&quot; is a better model for self-motivation than the Engine's &quot;I think I can.&quot;</p> <h2>3. &quot;Laughter,&quot; &quot;Happiness,&quot; &quot;Love,&quot; and &quot;Happy&quot;</h2> <p>What do these words have in common?</p> <p>They are the top four of the most frequently words in the English language that <a href="http://www.plosone.org/article/info%3Adoi%2F10.1371%2Fjournal.pone.0029484#s2">exhibit the most bias towards positivity</a>. Basically, the words that make you happier.</p> <p>Researchers poured through Twitter, the Google Books Project, The New York Times, and a ton of music lyrics in search of the most frequently used words. Then, study participants rated each one of these 10,200 words individually, producing a list of the <a href="http://www.plosone.org/article/fetchSingleRepresentation.action?uri=info:doi/10.1371/journal.pone.0029484.s009">50 most positive words</a>.</p> <p>Based on these findings, the researchers suggest three key actions to take. (See also: <a href="http://www.wisebread.com/25-simple-ways-to-change-up-your-routine-and-love-your-day?ref=seealso">25 Simple Ways to Change Up Your Routine and Love Your Day</a>)</p> <ol> <li>Incorporate the top four positive words into your life as much as possible.<br /> &nbsp;</li> <li>Find songs that make use of the 50 most positive words and create a happy playlist to boost your routine. For example, <a href="http://www.youtube.com/watch?v=s-pFAFsTFTI">The Beatles' All You Need is Love</a>, <a href="http://www.youtube.com/watch?v=y6Sxv-sUYtM">Pharrell's &quot;Happy&quot;</a> and <a href="http://www.youtube.com/watch?v=eDksOhAhqaM">Al Green</a><a href="http://www.youtube.com/watch?v=rqqAnjY2Rmo">'s &quot;Love and Happiness</a>.&quot; <br /> &nbsp;</li> <li>Avoid using the <a href="http://www.plosone.org/article/fetchSingleRepresentation.action?uri=info:doi/10.1371/journal.pone.0029484.s010">50 most negative words in the English language</a>.</li> </ol> <h2>4. &quot;You're Right&quot;</h2> <ul> <li>Do you ever feel like nobody gives your the proper credit for what you do?</li> <li>Do you think that people are giving you too many &quot;buts&quot;?</li> <li>Do you wish to have more conversations instead of confrontations?</li> </ul> <p>Then start saying &quot;you're right&quot; to your relatives, friends, and co-workers more often.</p> <p><a href="http://link.springer.com/article/10.1007%2Fs10902-011-9289-z">Showing gratitude can cause a chain reaction</a>. Some call it karma, others &quot;paying it forward.&quot; It all boils down to this: If you expect the world to tell that you're right more often, you need to start recognizing when others are.</p> <p>Start today. It will take some time, but it'll be completely worth it. When you hear that first &quot;you're right&quot; from a relative, friend, or co-worker, you'll get a wonderful, warm, fuzzy feeling of joy.</p> <p><em>What are your favorite things to say to make you happy? Please share in comments!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwant-to-be-happier-work-these-7-magic-words-into-your-vocabulary&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWant%2520to%2520Be%2520Happier_%2520Work%2520These%25207%2520Magic%2520Words%2520into%2520Your%2520Vocabulary.jpg&amp;description=Want%20to%20Be%20Happier%3F%20Work%20These%207%20Magic%20Words%20into%20Your%20Vocabulary"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><em><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Want%20to%20Be%20Happier_%20Work%20These%207%20Magic%20Words%20into%20Your%20Vocabulary.jpg" alt="Want to Be Happier? Work These 7 Magic Words into Your Vocabulary" width="250" height="374" /></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/want-to-be-happier-work-these-7-magic-words-into-your-vocabulary">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/100-small-things-that-can-bring-you-joy">100 Small Things That Can Bring You Joy</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/11-things-scientists-say-will-boost-your-happiness-today">11 Things Scientists Say Will Boost Your Happiness 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/10-ways-to-increase-your-willpower-and-be-more-successful">10 Ways to Increase Your Willpower and Be More Successful</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/6-reasons-youre-not-as-happy-as-youd-like-to-be">6 Reasons You&#039;re Not as Happy as You&#039;d Like to Be</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-to-make-your-fortune-become-your-own-hero">How to Make Your Fortune: Become Your Own Hero</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development goals happiness joy magic words motivation Fri, 19 Sep 2014 15:00:05 +0000 Damian Davila 1215195 at http://www.wisebread.com 8 Dark-Side Motivations to Start Saving http://www.wisebread.com/8-dark-side-motivations-to-start-saving <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-dark-side-motivations-to-start-saving" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/business-couple-flirting-480187847-small.jpg" alt="business couple flirting" title="business couple flirting" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>From ruling the galaxy to getting out of debt, embracing the dark side can be a powerful tool. Sure, the motivations may be impure, but if it's monetary results you're after, maybe that's okay. (See also: <a href="http://www.wisebread.com/10-dark-side-motivations-to-get-you-out-of-debt?ref=seealso">10 Dark Side Motivations to Getting Out of Debt</a>)</p> <p>So embrace your demons and get ready to stockpile some cash with these eight ways you can use the darker side of your nature as a driving force to save more money.</p> <h2>1. To Impress Someone</h2> <p>Whether it's a potential new partner, or just someone you really want to one-up, having a nice wad of cash in the bank can be a great way to get noticed. You can't just casually drop &quot;hey, I've got $30k in my savings account&quot; into conversation, though. You'll need to find more underhand ways to do it. You could check your balance, get a receipt, and just happen to leave it in a place someone else could see it. Or, you could ask about investment opportunities for your enormous rainy day fund. This works well at those high school reunions.</p> <h2>2. To Get Laid Off</h2> <p>Most people don't want to get fired. These days, jobs are tough to get in many industries, and just as tough to keep. Why on earth would anyone want to get laid off, or fired?</p> <p>Well, some people do have <a href="http://www.wisebread.com/how-to-get-laid-off-a-step-by-step-guide">reasons for wanting to leave a job</a>. They may genuinely hate it, but leaving is not as lucrative as being kicked out, with many companies offering handsome severance packages. If this is your plan, you need to have some savings as a safety net. When the time comes, you can use it as buffer until you find work. A word of warning though: be sure to check the redundancy policy of the job you plan to &quot;leave.&quot; Some companies are making cuts everywhere, and that includes termination benefits.</p> <h2>3. To Get Revenge</h2> <p>It may be a dish best served cold, but it can also be an expensive one. If you really want to hit someone where it hurts, you are going to have to put down some cash to make it happen. Revenge can be as simple as a college prank, or as complicated as the plot from a movie. It could be something that takes five minutes to plan or several months. Depending on the level of vengeance you're aiming for, you may need to put away a large sum of money to finance your cunning plan.</p> <h2>4. To Spy on Someone</h2> <p>Cheating spouse? Co-worker embezzling money? Neighbor's dog using your lawn as a toilet? Whatever your reason, you'll need a nice sum of money if you want to get hard evidence. This could involve hiring a private investigator, setting up a substantial hidden camera system, and even wearing recording devices (check the legality of this in your state first). However you plan to spy, you'll need to bankroll your operation. Start saving now &mdash; some of these people will only accept cold, hard cash.</p> <h2>5. To Get Plastic Surgery</h2> <p>Some would say that improving yourself is very worthwhile, and I tend to agree. Are breast implants, tummy tucks, and lip injections really that bad? Well, it all depends. If you're saving for those and letting your kids go hungry, then yes, that's bad. If everyone is taken care of, and this is something you'd rather do than buy a new car or go on vacation, then more power to you.</p> <h2>6. To Annoy Your Neighbor</h2> <p>Have you ever watched a show about battling neighbors? It happens often, and it can go from the silly to the downright bizarre. Case in point &mdash; the Bank of Manhattan and the Chrysler building. Both wanted to be taller than the Woolworth back in 1929. It looked like the Bank of Manhattan won the battle, but the war went to the Chrysler building a few months later, when a spire was secretly assembled on its roof. From building bigger fences, to painting houses brighter colors, suburban neighbors have also battled for years. If you want to get into it, you'll need the money to compete.</p> <h2>7. To Get Divorced</h2> <p>Maybe you're in a relationship that is just barely hanging on for life. You may be tied to the other person financially, and cannot separate until you have the money to do so. This is where saving money comes in, but you will have to be careful how you do it. You cannot just squirrel away money from your partner, and not declare it. But if you do it legally, and with full disclosure, saving money now is the best way to ensure you can finally start down the road to unwedded bliss. As Louis CK has so rightly said, don't commiserate with people going through this; no good marriage ended in divorce.</p> <h2>8. To Do Nothing</h2> <p>Some people have a dream that is neither productive, nor inspiring. They simply want to save enough money so that they don't have to work again. Or do anything else remotely connected to work, if truth be told. There's a famous quote from <a href="http://www.wisebread.com/7-secrets-about-life-and-career-from-office-space">Office Space</a> that sums it up, uttered by the protagonist Peter Gibbons, when asked what he'd do with a million dollars: &quot;I would relax&hellip; I would sit on my ass all day&hellip; I would do nothing.&quot;</p> <p>Of course, his friend Lawrence counters that with, &quot;Well, you don't need a million dollars to do nothing, man. Take a look at my cousin; he's broke, don't do sh*t.&quot; Sorry, Lawrence, you do need money. A lot of money. Doing nothing may not cost a lot, but you still need to eat, pay bills, and live a somewhat comfortable existence. Start saving.</p> <p><em>So, those are eight dark side motivations, but what are yours? What dark things inspire you to save money? Let us know in comments below!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-dark-side-motivations-to-start-saving&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Dark-Side%2520Motivations%2520to%2520Start%2520Saving.jpg&amp;description=8%20Dark-Side%20Motivations%20to%20Start%20Saving"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><em><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Dark-Side%20Motivations%20to%20Start%20Saving.jpg" alt="8 Dark-Side Motivations to Start Saving" width="250" height="374" /></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-dark-side-motivations-to-start-saving">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-4"> <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/10-dark-side-motivations-to-get-you-out-of-debt">10 Dark-Side Motivations to Get You Out of Debt</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/the-most-valuable-thing-debt-takes-from-you-isnt-money-its-this">The Most Valuable Thing Debt Takes From You Isn&#039;t Money — It&#039;s This</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/debt-free-living-is-attainable-if-you-want-it-you-can-have-it">Debt-Free Living IS Attainable: If You Want It, You Can Have It</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/5-inspiring-people-who-each-paid-off-over-100000-in-debt">5 Inspiring People Who Each Paid Off Over $100,000 in Debt</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/10-smart-ways-to-make-yourself-love-saving-money">10 Smart Ways to Make Yourself Love Saving Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Debt Management debt goals motivation saving Mon, 15 Sep 2014 17:00:05 +0000 Paul Michael 1209316 at http://www.wisebread.com 7 Simple Ways to Get Motivated for Your Workout http://www.wisebread.com/7-simple-ways-to-get-motivated-for-your-workout <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-simple-ways-to-get-motivated-for-your-workout" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-workout-508857633-small.jpg" alt="couple workout" title="couple workout" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Staying motivated is at least half the battle when it comes to keeping active. Without the brain in the game, it's hard for the body to follow suit. Thankfully, you can get a jolt of motivation with just a few simple tips, and <em>without</em> an expensive personal trainer. (See also: <a href="http://www.wisebread.com/6-surprisingly-simple-ways-to-motivate-yourself?ref=seealso">6 Surprisingly Simple Ways to Motivate Yourself</a>)</p> <p>So get on your grind with these workout tips that don't cost a dime.</p> <h2>1. Set (Realistic) Goals</h2> <p>Working out with no goal in mind is a recipe for motivation disaster. Maybe you want to start by walking the recommended <a href="http://www.wisebread.com/50-ways-to-walk-more">10,000 steps a day</a>. Perhaps you'd like engage in a strength training routine three days a week. What about losing those last 10 pounds? Or maybe you want to complete one of those crazy monster runs up a mountain. Whatever it is, make your goal measurable and realistic. And write it down or sign up for the event&hellip; now.</p> <h2>2. Be Incremental</h2> <p>Thing is, sometimes goals &mdash; even attainable ones &mdash; can seem like gigantic beasts. Getting there doesn't have to be so overwhelming, however. Break down your larger goal into smaller pieces. Attack each piece day by day. For example, if you'd like to run your first 5K, you can look up (many) plans online that give you daily workouts. Likewise, if you're looking to lose a few pounds, you can do daily or weekly weigh-ins to track your progress. If it helps, write down your workouts on a calendar and cross them off as you move along. (See also: <a href="http://www.wisebread.com/8-ways-to-track-your-diet-and-fitness-for-free?ref=seealso">8 Ways To Track Your Diet and Fitness For Free</a>)</p> <h2>3. Get Support</h2> <p>Friends and family can certainly make finding motivation much easier. Plan to head to the gym to do weights with your buddy or meet up with a coworker for a brisk walk at lunch. You'll be having so much fun that it won't feel like working out at all. And even friends who don't live so near can help &mdash; keep in close contact via social media to stoke the fires from afar. Even a quick &quot;you're going to smash your workout today!&quot; message can do wonders.</p> <h2>4. Visualize</h2> <p>If you're on a site like Pinterest, you post powerful quotes and other visual reminders on a virtual motivation board. You can also find free workout ideas this way &mdash; here's <a href="http://www.pinterest.com/chapter3blog/running-fitness/">my motivation board</a> for a jumping off point. Take this idea analog by cutting out photos and sayings from magazines, newspapers, and anywhere else you find a healthy dose of positivity.</p> <h2>5. Make It Convenient</h2> <p>Give yourself a boost by making the challenge much less challenging: exercise at home! Getting to the gym is sometimes the hardest part for me, so sneaking in sweat sessions in my living room helps on particularly difficult days. These <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free">at-home exercises</a> will give you a gym-quality workout for free. And here are five ways to turn <a href="http://www.wisebread.com/5-ways-to-turn-your-walk-into-a-real-workout">your neighborhood walk</a> into a real workout.</p> <h2>6. Forge Ahead</h2> <p>If you have a bad day, don't fret. Instead, keep your eyes ahead of you. Nothing squashes motivation more than a negative attitude. Keep yours in check by valuing the hard work you've already done toward your goals. We all have off days, get sick, or feel tired. Remember that rest is okay and &mdash; actually &mdash; quite good for the body. If you have a strenuous workout planned and don't feel up to it, exchange it for something lighter. Or at very minimum, take a 10 minute walk or jog to see if that doesn't get you feeling better. Movement begets movement.</p> <h2>7. Reap Rewards</h2> <p>Last, but certainly not least, reward yourself each step of the way. I have a friend who recently started running. Her reward? Pretty running clothing &mdash; and it's worked to get her from &quot;just finishing&quot; her first 5K to whittling her time down to 27 minutes in just six short months. And she looks good crossing that finish line with all her bright, colorful gear. Better yet, you can give to yourself on the cheap, here are <a href="http://www.wisebread.com/20-free-and-fun-ways-to-reward-yourself">20 free and fun ways to reward yourself</a> for a job well done. You deserve it!</p> <p><em>How do you keep your motivation stoked for working out?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/7-simple-ways-to-get-motivated-for-your-workout">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-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</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-apps-that-pay-you-to-exercise">5 Apps That Pay You To Exercise</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/10-no-sweat-workouts-perfect-for-the-workplace">10 No-Sweat Workouts Perfect for the Workplace</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-more-quick-tips-and-tricks-for-better-posture">7 More Quick Tips and Tricks for Better Posture</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/10-cheap-exercise-tools-for-a-killer-workout">10 Cheap Exercise Tools for a Killer Workout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty confidence fitness motivation workout Wed, 03 Sep 2014 11:00:05 +0000 Ashley Marcin 1199893 at http://www.wisebread.com