New Year http://www.wisebread.com/taxonomy/term/12917/all en-US 31 Productive Things to Do in January to Start the New Year Off Right http://www.wisebread.com/31-productive-things-to-do-in-january-to-start-the-new-year-off-right <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/31-productive-things-to-do-in-january-to-start-the-new-year-off-right" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-morning-coffee-Dollarphotoclub_73432160.jpg" alt="woman coffee morning" title="woman coffee morning" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've got two ways you can play January. One is to sit around on your butt and lament the winter weather; the other is to suck it up, stay active, and get yourself in gear for the rest of the year. You don't need much to accomplish the former, but here are 31 ideas to help you get started on the latter. Your fresh start won't know what hit it. (See also: <a href="http://www.wisebread.com/fight-the-post-holiday-blues-20-cheap-ways-to-make-january-special?ref=seealso">20 Cheap Ways to Make January Special</a>)</p> <h2>1. Enjoy the Day Off</h2> <p>It's the first day of the year, and you probably need some downtime after last night's celebration. Feel free to take it. Relax, watch TV, order a pizza. Savor this lazy (but productive in the sense that it's helping you recuperate) day, because you've got 30 days of productivity ahead of you.</p> <h2>2. Hit the Tail-End of the After-Holiday Sales</h2> <p>One of my favorite post-holiday activities is to hit up the after-celebration sales to stock up on decorations and other useful items (think scissors, tape, wrapping papers, bags, and more) that by this date will probably be anywhere from 75% to 90% off the regular price. Pickings will be slim, but you're saving 25% to 40% more than you would have if you went the first few days after Christmas. When you're shopping, remember to think outside the holidays, too. Some of the discounted items are useful year round. Keep that in mind when you're in retail renegade mode.</p> <h2>3. Write Thank-You Notes for Holiday Gifts</h2> <p>Personally, I think a verbal thank-you suffices when you exchange gifts in person, but if you've received a gift in the mail this season, take a few minutes to write a quick note of thanks via postcard or e-mail. The former is a more thoughtful gesture, of course, but I'm never offended by an e-mail thanks. Something is better than nothing, and I'd rather the sender save paper and his or her stamp.</p> <h2>4. Edit Your Social Media Profiles</h2> <p>I recently did a purge of all the photos on my Facebook page that I didn't like, untagged myself from photos I didn't like on other people's pages, and I whittled down my friends list a bit by removing a few folks that I've never heard of before in my life.</p> <h2>5. Take Down Your Holiday Decorations</h2> <p>Did you know that January 5th is widely considered to be the day when holiday decorations should come down? It's all based on the 12 days of Christmas (it's not just a song, y'all), which is steeped in a&nbsp;<a href="http://en.wikipedia.org/wiki/Twelve_Days_of_Christmas">long history of religious tradition</a>.</p> <h2>6. Organize the Basement/Attic/Garage</h2> <p>While you're moving your holiday boxes back into their respective storage places, take the time to organize the rest of the space. Pace yourself though. If you have all three of these areas &mdash; basement, attic, garage &mdash; there's no harm in spreading the work out over a few days to a week.</p> <h2>7. Clean Out Your Closet</h2> <p>You probably received more than a few new pieces of clothing over the holidays (either as gifts from someone you love, or as presents to yourself; I'm very guilty of the latter), so to ensure that your closet doesn't start spilling out from the seams, take stock of what you like and wear, and then collect all the unwanted items to sell. I unload a lot of my old clothing at my twice-yearly yard sales, but donating the clothes to the needy is another option.</p> <h2>8. Raid Your Pantry for Expired Food</h2> <p>Non-perishables perish, believe it or not, and I'm willing to bet that there are items in your pantry that are no longer safe (or delicious enough) to eat. Take an hour or so to empty it, examine the labels, and toss out whatever has expired. Also take a good look at what's close to its expiration date so you can make a conscious effort to use it to avoid wasting any more money.</p> <h2>9. Defrost and Clean Freezer and Fridge</h2> <p>This is one of my least favorite chores, but there's something about a clean fridge and freezer that satisfies me inside. This also is a great opportunity to toss out any expired foods and/or anything you know you're probably not going to eat.</p> <h2>10. Tidy up Your Medicine Cabinet</h2> <p>Just like food, medications have expiration dates. Go through your medicine cabinet and remove all expired items, toss out anything that only exists to take up space, and re-organize what's left so it's easily accessed.</p> <h2>11. Give the House a Deep Clean</h2> <p>Now that you've tackled some of the more time-consuming small areas of your home that require specialized attention, it's time to do the dreaded deep clean. This often means getting down on your hands and knees to scrubs toilets, and floors and baseboards, and on ladders to clean ceiling fans and blinds &mdash; but you can do it. Besides, it's freezing outside; would you rather be cleaning the gutters?</p> <h2>12. Rearrange Your Furniture</h2> <p>Besides giving your living space a fresh feel, there are&nbsp;<a href="http://www.psychologytoday.com/blog/the-creativity-cure/201404/rearranging-the-furniture-makes-me-feel-better-2">bonafide psychological benefits</a>&nbsp;to rearranging your furniture. Move a chair here; put a lamp there. You might be surprised at how much this simple fix can improve your mood &mdash; which might be a much-needed pick-me-up this time of year.</p> <h2>13. Check in With Your Boss/Work Team</h2> <p>With all the hustle and bustle of the holidays, you may not have had an ideal opportunity to get down to actual business with your boss and co-workers. The beginning of the year is perfect for reconvening after a period of relaxation to talk about where everybody's at work-wise and plan ahead.</p> <h2>14. Update Your Pet's Health Info</h2> <p>Check in on your pet's health status by revisiting your files to make sure all vaccines and tags are up-to-date. If your pet hasn't been to the vet in a while, schedule a routine check-up.</p> <h2>15. Schedule a Physical</h2> <p>After your furbabies receive a clean bill of health, it's time to get yours. Make an appointment with your doctor to make sure everything is in working order. Use this time to discuss with him or her any issues you've been having and any prescriptions you need refilled.</p> <h2>16. Tune-up Your Vehicle</h2> <p>Hopefully your car is already winterized &mdash; you don't want to cause damage to your vehicle by facilitating avoidable issues that can arise from neglecting it &mdash; but you still need to get an oil change from time to time (check your owner's manual!). It's probably that time again.</p> <h2>17. Update Your DVR</h2> <p>At the beginning of the fall TV season, I create season passes for all the new shows I want to watch. By now, however, I've either lost interest in a few of them or they've been canceled. I know I'm not alone. Take 10 minutes to delete unwanted shows from your queue and cancel the season passes in which you're no longer interested.</p> <h2>18. Plan a Date With Your Partner</h2> <p>You don't want to get so wrapped up in being productive this month that you forget about your significant other. Plan a date for you two to spend several quality hours together enjoying each other's company and catching up with one another's lives.</p> <h2>19. Create a List of Goals for the Year</h2> <p>Having the intentions to work toward positive goals and actually planning for them are two completely different things. Exchange more talk for more doing this year by creating a list of goals that you'd like to achieve along with an outline of your plan to achieve them.</p> <h2>20. Learn Something New</h2> <p>You can learn the darndest things with the flick of a finger these days. Skip the cute cat videos on YouTube and search for something useful that'll leave you with a new skill after watching it.</p> <h2>21. Make a Two-Week Meal Calendar With Recipes</h2> <p>I've talked about this tip in several posts, and I keep bringing it up because it's truly changed the way I eat. Instead of blindly going grocery shopping, buying food, and then deciding what I'll make with it after I get home, I've reversed the process. Now I plan ahead of time what I'll make for dinner by adding two weeks' worth of recipes to a calendar and create a shopping list of ingredients based on those recipes (and nothing more!), so I can eat healthy meals on a regular basis. Having this structure in place has cut down on the amount of food waste in my house as well as the number of pizzas ordered because I can't decide what to make for dinner. I've also dropped 15 pounds (exercise helped, too), which I hope will give you more incentive to give this a try.</p> <h2>22. Clip Coupons for Your Next Shopping Trip</h2> <p>Before you head to the supermarket with your very healthy shopping list, clip those coupons. I round up coupons from circulars, past shopping trips, online resources, and apps to ensure that I'm maximizing my food savings as much as I can.</p> <h2>23. List for Sale Your Unwanted Items of Value</h2> <p>If you're feeling the pinch in January (because who isn't?), a great way to make some extra cash is to go through your home (while you're cleaning if you want to kill two birds with one stone) and round up all those odds and ends that you no longer need or want. If any of these items have value (electronics, accessories, appliances, etc.), decide how you'll sell them. Craigslist is a great place for larger items, while Amazon and eBay are ideal for smaller, lightweight pieces.</p> <h2>24. Deliver Remaining Unwanted Items to Donation Centers</h2> <p>After you've determined what you can sell, send all the other unwanted clutter to the donation center so that it can live a second life as someone else's.</p> <h2>25. Scan Old Photos Into the Computer</h2> <p>Unless you were born after 2007, you likely have albums and boxes and drawers full of actual paper pictures &mdash; and you're probably wondering what the heck you're going to do with them. One option is to scan the photos onto the computer so you can keep them in a file or in the cloud for forever safekeeping. You can do this daunting task manually (it's the cheapest way), or you can send your photos away to a company (of which there are plenty) that will do this for you.</p> <h2>26. Consolidate and Clean up Computer Files</h2> <p>Adding so many large photo files to your computer is going to eat up a lot of space, so you've got to make up for that somehow. Take this opportunity to delete unwanted files, consolidate stragglers, and otherwise organize your computer in a more concise, easy-to-access manner.</p> <h2>27. De-Clutter Your Office/Desk</h2> <p>Clean your desk the same way you cleaned your computer &mdash; decide, discard, dust. Seriously, you don't need all that nonsense that you keep year in and year out.</p> <h2>28. Set up a Dentist Appointment</h2> <p>You only get one set of teeth. Take care of them.</p> <h2>29. Establish a Fitness Plan</h2> <p>Six months ago I decided to get my health in check after years of a leading a sedentary lifestyle that severely damaged my self-confidence. I established a goal weight, created an exercise plan to help achieve it, and completely revamped my diet. It wasn't easy, and it wasn't very delicious &mdash; at first. Now that it's part of my normal routine, I've learned how to live healthy and love it. I feel and look better than I have in many years (since high school actually), and if I can do it, then so can you.</p> <h2>30. Reevaluate Your Debt and Establish a Plan of Action</h2> <p>Unless you're going into the New Year completely debt free, now is the time to take a good, long look at your finances and make a solid plan to improve your situation. One of my friends recently told me that she always makes this a part of her New Year's to-dos.</p> <p>&quot;We look at what we saved last year, areas we need to improve on, any debts we need to knock out this year, and big expenses we might need to plan for also,&quot; she says. &quot;By no means is this the only time we talk about finances, but it prepares us mentally for what we want to accomplish.&quot;</p> <h2>31. Prepare Your Tax Materials</h2> <p>Nobody wants to do this. Ever. But I've found that by getting this out of the way sooner rather than later, I stress a whole lot less in a shorter amount of time. In fact, if you wrap it all up by mid-February, you could have your refund (if you get one; my fingers are crossed for you) before the federal tax-filing deadline even arrives. Spring vacation, anyone?</p> <p><em>Do you have other ways to stay productive in the first month of the year so that the rest of it can run smoothly? Let us know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/31-productive-things-to-do-in-january-to-start-the-new-year-off-right">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/successful-new-years-resolutions-have-this-one-thing-in-common-does-yours">Successful New Year&#039;s Resolutions Have This One Thing in Common — Does Yours?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-saving-new-years-goals-that-you-can-actually-keep">10 Money-Saving New Year&#039;s Goals That You Can Actually Keep</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-money-resolutions-you-should-skip-this-year">4 Money Resolutions You Should Skip This Year</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/8-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</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/20-free-and-fun-ways-to-reward-yourself">20 Free and Fun Ways to Reward Yourself</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development goals january New Year resolutions to-do Thu, 01 Jan 2015 12:00:08 +0000 Mikey Rox 1275494 at http://www.wisebread.com Best Money Tips: Essential Things to Do Before the New Year http://www.wisebread.com/best-money-tips-essential-things-to-do-before-the-new-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-essential-things-to-do-before-the-new-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new-years-office-supplies-Dollarphotoclub_59761858.jpg" alt="new years office supplies" title="new years office supplies" 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 essential things you need to do before the new year, ways to recover from Christmas clutter, and New Year's resolutions that will make you richer.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.getorganizedwizard.com/blog/2014/12/5-essential-things-new-year/">5 Essential Things to Do Before the New Year</a> &mdash; Choose three things to focus on next year, and make sure they're SMART: specific, measurable, achievable, relevant, and time-framed. [Get Organized Wizard]</p> <p><a href="http://moneyning.com/better-yourself/how-to-recover-from-too-much-christmas-clutter/">How to Recover From Too Much Christmas Clutter</a> &mdash; You can cut down on the clutter by swapping the old for the new. Did you get a new sweater? Then sell or donate an old one. [MoneyNing]</p> <p><a href="http://www.moneytalksnews.com/10-new-years-resolutions-that-can-save-you-more-than-1000/">10 New Year's Resolutions That Will Make You (at Least) $1,000 Richer</a> &mdash; The decision to plan your meals around what's on sale could save you $1000 a year. [Money Talks News]</p> <p><a href="http://www.popsugar.com/smart-living/List-Things-Dispose-24575006">One a Day: Throw These 116 Things Away</a> &mdash; Decluttering doesn't have to be a huge project. Just take care of one type of item a day &mdash; old toiletries, outdated electronics, worn-out shoes &mdash; and you'll be well on your way to a clutter-free home in no time! [PopSugar Smart Living]</p> <p><a href="http://moneysmartlife.com/lower-your-car-insurance-rates/">7 Ways to Lower Your Car Insurance Rates</a> &mdash; You can save a good chunk of money on your premium by raising your deductible. [Money Smart Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://couponpal.com/blog/5-fashion-trends-to-leave-in-2014-and-5-to-try-in-the-new-year">5 Fashion Trends to Leave in 2014 (and 5 to Try in the New Year)</a> &mdash; Instead of a fedora, grab a knit beanie &mdash; classic, comfortable, and super affordable! [CouponPal]</p> <p><a href="http://www.forbes.com/sites/nextavenue/2014/12/29/what-to-know-about-money-and-work-by-50-60-70/">What to Know About Money and Work by 50, 60, 70</a> &mdash; By age 50, you should have a good idea of how much money you'll need to retire comfortably. [Forbes]</p> <p><a href="http://www.thesimpledollar.com/six-extreme-ways-to-go-to-college-for-less">Seven (Extreme) Ways to Go to College for Half Price or Less</a> &mdash; There are a number of colleges that will waive your tuition as long as you do a work study program or fulfill their requirements. [The Simple Dollar]</p> <p><a href="http://gradmoneymatters.com/money-making-ideas/what-to-do-when-you-have-multiple-job-offers.html">What to Do When You Have Multiple Job Offers</a> &mdash; Start a pros and cons list to help you decide which company is a better fit for you. [Grad Money Matters]</p> <p><a href="http://parentingsquad.com/9-new-year-s-resolutions-for-special-needs-parents">9 New Year's Resolutions for Special Needs Parents</a> &mdash; Stay calm when someone makes an ignorant statement about your child or your parenting. See this as an opportunity to educate and enlighten another person. [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-essential-things-to-do-before-the-new-year">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/the-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</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/8-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-things-car-salesmen-dont-want-you-to-know">17 Things Car Salesmen Don&#039;t Want You to Know</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-baking-soda-took-my-bathroom-from-yuck-to-yes">How Baking Soda Took My Bathroom from “Yuck” to Yes!</a></span> </div> </li> <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-launder-money">How to Launder Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips New Year Tue, 30 Dec 2014 20:00:12 +0000 Amy Lu 1274864 at http://www.wisebread.com 15 Things to Get Done Before Year-End http://www.wisebread.com/15-things-to-get-done-before-year-end <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-things-to-get-done-before-year-end" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2014-184224155.jpg" alt="2014" title="2014" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>It&#39;s funny how time flies. In less than a month, we&#39;ll be ushering in a brand-new year. Although we usually start on our to-dos in January, the end of the year is actually a great time to wrap things up and start new tasks. And there are also a number of things that have to be done by the end of the year. Get these things done to begin 2014 anew.</p> <p>RELATED: <a href="http://www.savvysugar.com/Personal-Finance-Goals-Achieve-Before-30-32164845">12 Personal FInance Moves You Should Make By Age 30</a></p> <h2>1. Spend Your FSA</h2> <p>Make sure you&#39;ve spent the money in your Flexible Spending Account, because it will expire by the end of the month. You may be allowed to file an extension if you haven&#39;t used up all your FSA dollars, but you need to check your company policy to see if it allows that. Here are some last-minute ideas to <a href="http://www.savvysugar.com/How-Spend-FSA-Money-20735714">use your FSA money</a>.</p> <h2>2. Get Your Free Credit Report</h2> <p>We&#39;re all entitled to one free credit report every year on <a href="https://www.annualcreditreport.com/" target="_blank">AnnualCreditReport.com</a>. If you haven&#39;t gotten yours yet, make sure you get it by the end of the year! It doesn&#39;t include your credit score but is basically a copy of your credit history.</p> <h2>3. Visit the Dentist, Doctor, and Optometrist</h2> <p>Get a dental cleaning, health visit, and eye checkup before year-end.</p> <h2>4. Get Ready for Taxes</h2> <p>Make the upcoming tax season easier on yourself by organizing your bills, receipts, pay stubs, and files before your paychecks suddenly say 2014.</p> <h2>5. Make Your Donations</h2> <p>Donate to your favorite nonprofit before the end of the year so you can claim your contributions as a 2013 tax deduction and help lower your tax bill. This doesn&#39;t just include monetary donations but also items you donate to places like Goodwill.</p> <h2>6. Up Your Retirement Contributions</h2> <p>Now is the time to sneak in extra contributions before the year is over. If you haven&#39;t contributed enough to your 401(k) to receive the full employer match, and you have some extra cash, change your contribution amount before you get your last paychecks of the year. If you have IRA accounts, make sure you&#39;ve contributed as much as possible &mdash; up to the annual maximum, which is $5,500.</p> <h2>7. Return Items</h2> <p>Have packages or items lingering around your home that need to be returned? Do them now to clear your home for the New Year. Perhaps it&#39;s an item you bought while shopping on a whim during the holidays that you regret or something that you need to send in to be fixed.</p> <h2>8. File Your Claims</h2> <p>File any claims this year that you have yet to file, or take the time to dispute any rejections of claims.</p> <h2>9. Clean Up a Storm</h2> <p>Get to cleaning for a fresh start to a new year. You definitely don&#39;t want your clutter to carry on into 2014. Dust, vacuum, and scrub away so your place will be spick and span. This will put you in a better mind-set when it comes to starting new resolutions, because a clear space can represent a blank slate.</p> <h2>10. Donate, Sell, Use Up, or Trash Clutter</h2> <p>When you&#39;re done giving your place a cleaning makeover, take the items that <a href="http://www.savvysugar.com/Where-Sell-Used-Goods-28874509">you no longer want or need and sell</a>, donate, use up, or trash them. They may range from items like old clothes to leftovers in your kitchen cupboard. Make way for 2014!</p> <h2>11. Finish 3 Things You Said You&#39;d Get Done This Year&nbsp;</h2> <p>Remember some of the promises you made at home, at work, or with friends that you never got around to keeping? Tackle at least three of them by the end of the year.</p> <h2>12. Send Out Handwritten Cards</h2> <p>Christmas and the New Year are a great time to reconnect with people you may have lost touch with. Show them that you&#39;re serious about reconnecting by putting in the extra effort and time to handwrite a special message in a holiday card. If you forget to send a Christmas card, you can always send a New Year&#39;s card!</p> <h2>13. Free Up Data Space</h2> <p>Delete old emails, documents, and photos you no longer need on your computer, cell phone, and cloud. Free up data space to prep for the coming year. Remember to also clear up your DVR recordings and camera photos.</p> <h2>14. Amp Up Your Job Hunt</h2> <p>It&#39;s a good time to apply for new jobs and job hunt, because companies are looking for hires for the New Year. You may think it&#39;s slow season for hiring, but companies that are preparing for the upcoming year make their hiring decisions before the end of the month. In any case, even if you&#39;re not applying for a new job, it&#39;s a good time to update your paper r&eacute;sum&eacute; and your LinkedIn profile.</p> <h2>15. Think About Your New Year Goals</h2> <p>We often push off thinking about our resolutions until January, but try to start thinking of your resolutions now, so you don&#39;t feel rushed in the start of 2014. Better yet, who says you can&#39;t get started on your 2014 resolutions now?</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Start 2014 healthy, wealthy, and oh-so wise by doing these 15 things before the end of 2013. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.savvysugar.com/New-Year-Resolutions-Research-12966264">6 Tips to Making Your New Year's Resolutions Stick</a></li> <li><a href="http://www.savvysugar.com/Most-Popular-Pinterest-DIYs-32853924">The 18 Most Pinned DIYs of 2013</a></li> <li><a href="http://www.savvysugar.com/Free-Ways-Entertain-Yourself-Home-30926585">68 Mostly Free Ways to Entertain Yourself at Home</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/15-things-to-get-done-before-year-end">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/5-ways-good-manners-make-you-wealthier">5 Ways Good Manners Make You Wealthier</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-types-of-friends-who-are-costing-you-money">10 Types of Friends Who Are Costing You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-ways-to-make-a-big-financial-change">21 Ways to Make a Big Financial Change</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-year-end-financial-moves-you-must-make-now">10 Year-End Financial Moves You Must Make Now</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-personal-finance-tips-for-extroverts">6 Personal Finance Tips for Extroverts</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Personal Development 2014 New Year year end Thu, 26 Dec 2013 10:49:15 +0000 POPSUGAR Smart Living 1101330 at http://www.wisebread.com Ask the Readers: What Are Your Resolutions for 2014? http://www.wisebread.com/ask-the-readers-what-are-your-resolutions-for-2014 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-are-your-resolutions-for-2014" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2014-454027229.jpg" alt="2014" title="2014" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to <a href="http://www.wisebread.com/ask-the-readers-what-are-your-resolutions-for-2014#comment-736948">Lauren</a>, Linda, and Amy for winning this week's contest!</em></p> <p>2014 is almost here! To jump start the new year on a positive note, many people make resolutions to improve their life in some way.</p> <p><strong>What are your resolutions for 2014?</strong> Do you have a game plan to make sure you stay on track? What were some of your resolutions from past years?</p> <p>Tell us about your 2014 resolutions and we&#39;ll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We&#39;re doing three giveaways &mdash; here&#39;s how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will win a $20 Amazon Gift Card!</li> </ul> <h3>For extra entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> </ul> <p><a class="rafl" href="http://www.rafflecopter.com/rafl/display/79857d69/" id="rc-79857d69" rel="nofollow">a Rafflecopter giveaway</a></p> <script src="//d12vno17mo87cx.cloudfront.net/embed/rafl/cptr.js"></script></p> <p><strong>If you&#39;re inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, December 30th at 11:59 pm Pacific. Winners will be announced after December 30th on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us about your 2014 resolutions and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-are-your-resolutions-for-2014">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/ask-the-readers-do-you-trust-product-reviews-chance-to-win-20">Ask the Readers: Do You Trust Product Reviews? (Chance to win $20!)</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/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</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/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</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/ask-the-readers-200-giveaway-what-volunteer-experience-had-the-deepest-impact-on-you">Ask the Readers $200 Giveaway: What Volunteer Experience Had the Deepest Impact on You?</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/ask-the-readers-what-is-your-dream-job-0">Ask the Readers: What is Your Dream Job?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers New Year resolutions Tue, 24 Dec 2013 11:37:07 +0000 Ashley Jacobs 1102194 at http://www.wisebread.com Best Money Tips: Doable Financial New Year's Resolutions http://www.wisebread.com/best-money-tips-doable-financial-new-years-resolutions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-doable-financial-new-years-resolutions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cash-187038903.jpg" alt="cash" title="cash" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on doable financial New Year&#39;s resolutions, uses for dead gift cards, and financial figures you need to know.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.creditsesame.com/blog/10-doable-financial-new-years-resolutions/">10 Doable Financial New Year&#39;s Resolutions</a> &mdash; Make one of your New Year&#39;s resolutions to make on-time bill payments. [Credit Sesame]</p> <p><a href="http://www.moneytalksnews.com/2013/12/19/22-uses-for-a-dead-gift-card/">22 Uses for Dead Gift Cards</a> &mdash; Not sure what to do with your dead gift cards? Use them to remove gum from the floor or clear off frosty windshields. [Money Talks News]</p> <p><a href="http://www.freemoneyfinance.com/2013/12/five-financial-figures-you-need-to-know.html" style="color: rgb(7, 130, 193); ">Five Financial Figures You Need to Know</a> &mdash; It is important for you to know your net worth and tax rate. [Free Money Finance]</p> <p><a href="http://kiplinger.com/article/spending/T050-C011-S001-retailers-with-stingy-return-policies.htmlhttp://www.creditsesame.com/blog/10-doable-financial-new-years-resolutions/">Retailers With Stingy Return Policies</a> &mdash; Did you know Best Buy and Gilt have stingy return policies? [Kiplinger]</p> <p><a href="http://thirtysixmonths.com/trying-to-save-money-5-ways-to-still-have-fun-at-the-weekends/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+Thirtysixmonthscom+%28thirtysixmonths.com%2Fblog%29" style="color: rgb(7, 130, 193); ">Trying to Save Money? 5 Ways to Still Have Fun at the Weekends</a> &mdash; You can still have fun while saving money during the weekends by having a movie night. [Thirty Six Months]</p> <h2>Other Essential Reading</h2> <p><a href="http://financialhighway.com/grocery-store-products-make-holidays-easier/" style="color: rgb(7, 130, 193); ">Grocery Store Products that Make the Holidays Easier</a> &mdash; Boxed wine and canned toppings can help make your holidays easier. [Financial Highway]</p> <p><a href="http://Trying to Save Money? 5 Ways to Still Have Fun at the Weekends — You can still have fun while saving money during the weekends by having a movie night. [Thirty Six Months]">5 steps to punch a denied health insurance claim in the face</a> &mdash; If your health insurance claim was denied, apply for a formal appeal. [Bargaineering]</p> <p><a href="http://creativemoney.biz/2013/12/10/give-raise/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+CreativeMoneyBlog+%28Creative+Money+Blog%29">How to give yourself a raise</a> &mdash; To give yourself a raise, take the time to update your resume and think about your work passion. [Creative Money]</p> <p><a href="http://www.savvysugar.com/DIY-Christmas-Ornaments-26255266">34 Creative DIY Christmas Ornaments</a> &mdash; Need a few more ornaments for your tree? Try making some of these awesome ornaments! [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/6-christmas-eve-traditions-for-young-families">6 Christmas Eve Traditions for Young Families</a> &mdash; Young families should think about starting the tradition of giving new books to the kids on Christmas Eve. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-doable-financial-new-years-resolutions">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/8-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</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-ways-to-restart-your-resolutions-this-spring">5 Ways to Restart Your Resolutions This Spring</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/diagnose-and-improve-your-financial-health-a-10-item-checklist">Diagnose and Improve Your Financial Health: A 10-Item Checklist</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/31-productive-things-to-do-in-january-to-start-the-new-year-off-right">31 Productive Things to Do in January to Start the New Year Off Right</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-financial-moves-you-must-make-in-2014">7 Financial Moves You Must Make in 2014</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips New Year new year's resolutions resolutions Mon, 23 Dec 2013 11:00:56 +0000 Ashley Jacobs 1101539 at http://www.wisebread.com Ask the Readers: Do You Have Financial Resolutions for 2013? http://www.wisebread.com/ask-the-readers-do-you-have-financial-resolutions-for-2013 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-do-you-have-financial-resolutions-for-2013" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3338981508_77eeb70c89_z_0.jpg" alt="Do You Have Financial Resolutions for 2013?" title="Do You Have Financial Resolutions for 2013?" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to </em><a href="http://www.wisebread.com/ask-the-readers-do-you-have-financial-resolutions-for-2013#comment-579291"><em>Kathleen</em></a><em>, Karen, and Therese for winning this week's contest!</em></p> <p>The new year is finally here! It's time for a fresh start with new goals. Most people tend to set new years resolutions for themselves. These can range from exercising more to eating healthier to spending more time with family. Some people will even set financial resolutions for themselves!</p> <p><b>Do you have financial resolutions for 2013? </b>If so, what are they? Buy a house? Pay off debt? Save for retirement?</p> <p>Tell us if you have financial resolutions for 2013 and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:&nbsp;</h3> <ul> <li>Post your answer in the comments below. One commenter will win a $20 Amazon Gift Card!</li> </ul> <h3>For extra entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> <a id="rc-79857d12" class="rafl" rel="nofollow" href="http://www.rafflecopter.com/rafl/display/79857d12/">a Rafflecopter giveaway</a> <script src="//d12vno17mo87cx.cloudfront.net/embed/rafl/cptr.js"></script> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, January 7th at 11:59 pm Pacific. Winners will be announced after January 7th on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> </ul> <p><strong>Good Luck!</strong></p><div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us if you have financial resolutions for 2013 and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-do-you-have-financial-resolutions-for-2013">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/ask-the-readers-do-you-trust-product-reviews-chance-to-win-20">Ask the Readers: Do You Trust Product Reviews? (Chance to win $20!)</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/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</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/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</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/ask-the-readers-200-giveaway-what-volunteer-experience-had-the-deepest-impact-on-you">Ask the Readers $200 Giveaway: What Volunteer Experience Had the Deepest Impact on You?</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/ask-the-readers-what-is-your-dream-job-0">Ask the Readers: What is Your Dream Job?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers New Year resolutions Tue, 01 Jan 2013 11:36:29 +0000 Ashley Jacobs 961751 at http://www.wisebread.com Best Money Tips: Throw a New Years Bash for Less Cash http://www.wisebread.com/best-money-tips-throw-a-new-years-bash-for-less-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-throw-a-new-years-bash-for-less-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4220156218_0e07200bf1_z.jpg" alt="Throw a New Years Bash for Less Cash" title="Throw a New Years Bash for Less Cash" class="imagecache imagecache-250w" width="250" height="141" /></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 stellar articles on throwing a new years bash for less cash, paying off your auto loan early, and ways to donate to the Sandy Hook victims.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.stretcher.com/stories/10/10dec27c.cfm#.UNif2IWlNl8">Throw a New Years Bash for Less Cash</a> &mdash; Invite your friends over and have a spa night to ring in the new year! [The Dollar Stretcher]</p> <p><a href="http://genxfinance.com/should-you-pay-off-your-auto-loan-early/">Should You Pay Off Your Auto Loan Early?</a> &mdash; Whether or not you should pay off your auto loan early depends on where you are on your loan timeline. [Generation X Finance]</p> <p><a href="http://www.biblemoneymatters.com/8-ways-to-donate-to-the-victims-of-the-sandy-hook-shooting/">8 Ways To Donate To The Victims Of The Sandy Hook Shooting</a> &mdash; You can help the victims of the Sandy Hook shooting by donating to the Red Cross or the Newtown Memorial Fund. [Bible Money Matters]</p> <p><a href="http://freefrombroke.com/tips-for-holiday-tipping/">Tips for Holiday Tipping</a> &mdash; This holiday season, give your housekeeper a tip equal to one week of pay. [Free From Broke]</p> <p><a href="http://cashmoneylife.com/improving-your-career-6-action-tips/">6 Action Tips for Improving Your Career in the New Year</a> &mdash; If you want to improve your career in the new year, develop new skills and knowledge. [Cash Money Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.narrowbridge.net/3-easy-ways-to-avoid-common-banking-fees/">3 Easy Ways to Avoid Common Banking Fees</a> &mdash; To avoid getting hit with minimum balance fees, address how much you can afford to keep in your bank accounts before you sign up for an account. [Narrow Bridge Finance]</p> <p><a href="http://youngadultfinances.com/why-a-real-job-is-good-for-you-if-you-want-to-be-an-entrepreneur/">Why a Real Job is Good For You if You Want to Be an Entrepreneur</a> &mdash; Having a real job is a good idea if you want to be an entrepreneur because you will learn how to master time management. [Young Finances]</p> <p><a href="http://www.carefulcents.com/give-clients-holiday-gifts/">What Should You Give Your Clients for the Holidays?</a> &mdash; Need a gift idea for your clients? Consider offering them a discount on future orders! [Careful Cents]</p> <p><a href="http://www.savvysugar.com/Cute-2013-Planners-26321216">2013 Planners For Every Personality</a> &mdash; For the sophisticated person in your life, get them a leather monogrammed planner to start their new year off right. [SavvySugar]</p> <p><a href="http://parentingsquad.com/simple-and-sweet-last-minute-holiday-treats-0">6 Simple and Sweet Last-Minute Christmas Treats</a> &mdash; It's not too late to make some easy mint chocolate truffles for Christmas! [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-throw-a-new-years-bash-for-less-cash">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/seven-ways-to-be-the-life-of-every-party">Seven Ways to be the Life of Every Party</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/14-things-good-hosts-never-do">14 Things Good Hosts Never Do</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/making-a-good-and-memorable-first-impression">Making a good and memorable first impression.</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-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</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-alternative-housing-options-you-can-afford">5 Alternative Housing Options You Can Afford</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle 2013 best money tips New Year party Tue, 25 Dec 2012 10:48:39 +0000 Ashley Jacobs 961665 at http://www.wisebread.com Productivity Tips to Carry You Through 2012 http://www.wisebread.com/productivity-tips-to-carry-you-through-2012 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/productivity-tips-to-carry-you-through-2012" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_in_office.jpg" alt="Woman in office" title="Woman in office" class="imagecache imagecache-250w" width="250" height="150" /></a> </div> </div> </div> <p>The start of a new year is a good time to take a review of the best productivity tips we have shared with you. These tips help maximize your efficiency at work so you're getting more done in less time. Read on to find out what our best picks for productivity tips are so you can use them to have an even more efficient 2012!</p> <p><a href="http://www.savvysugar.com/How-Self-Motivate-20965409">RELATED:&nbsp;How to Self-Motivate in 5 Steps</a></p> <h3>Doodle During Meetings to Help Retain More Information</h3> <p>Scientific research has shown that humans can pay attention to one thing for up to 20 minutes. After that period, it gets harder and harder to focus on it. If you feel your attention span has reached its limit, perhaps you should take a notepad out to doodle. A study in the <em>Applied Cognitive Psychology Journal</em> <a href="http://onlinelibrary.wiley.com/doi/10.1002/acp.1561/abstract">tested the doodling theory</a> on a group of participants. Half were instructed to listen to a phone call that recited a list of names of people and places, and the other half were told to doodle when listening to the message. Those who doodled were able to remember 29 percent more than those who didn't. <a href="http://www.psychologytoday.com/blog/minding-the-body/201110/do-doodle-mindbody-wellness">Psychology Today says</a>:</p> <blockquote><p>In the study, the phone message was intentionally designed to be boring. One possibility is that doodling distracted participants from their boredom. Yet it demanded less concentration than drifting off into a daydream, so the doodlers may actually have been more focused than non-doodlers. </p></blockquote> <h3>Make a Do-Not-Do List</h3> <p>If you're like me, you may constantly find yourself <a href="http://www.savvysugar.com/Easy--Do-List-Tips-10385775">tackling never-ending to-do lists</a>. I think one of the worst drawbacks of a to-do list is that it becomes entrenched in your mind &mdash; you're always thinking about what you have left to do, and that can take a toll on you. For example, sometimes I can't help thinking about it when I'm in bed, and that leaves me restless.</p> <p>The solution to reducing the stress of a to-do list is to counter it with a do-not-do list. Russell Bishop, a life coach, gave some <a href="http://www.huffingtonpost.com/russell-bishop/workarounds-stress-relief_b_819336.html">great advice on Huffington Post</a>: at the end of each day or workweek, not only should you cross out the items you have accomplished, but you should also mark that you're not going to do the remaining tasks for the rest of the night or weekend. Writing it off on your list will help to give your mind a mental break from the to-do list. This is such a savvy, yet simple tip &mdash; do you have more ideas on how to better manage a to-do list?</p> <h3>Leave a Text Instead of a Voicemail Message</h3> <p>I recently heard a unique voicemail message I thought was a great idea. Her voicemail said the best way to reach her is to &quot;leave a text instead of a voicemail message&quot; because she barely checks her voicemail messages. For those of you who are super texters, this is a great way to keep track of missed calls.</p> <p>Another awesome alternative is the function on Google Voice that gives you <a href="http://www.youtube.com/watch?v=fHuai7-jVlY">transcripts of your voicemail messages</a>.</p> <h3>Use Nature to Beat Work Fatigue</h3> <p>Although it's recommended to take a short walk to unwind from work, what you're surrounded by during your walk actually matters a lot. For example, if you're walking through a busy street filled with flashing lights and loud noises, the stroll won't really be an effective time-out.</p> <p>University of Michigan researchers found that subjects who strolled through a nature setting saw a 20% improvement in attention and focus tests. However, participants who took a brief walk in a busy city did not see any cognitive benefits. Even spending time in a quiet room with a picture depicting nature was more effective than a city stroll.</p> <h3>Schedule Emails to Be Sent Later With Boomerang</h3> <p><a href="http://www.boomeranggmail.com/">Boomerang</a> is a Firefox and Chrome plug-in that will let you schedule your emails to be sent at a later time and date, anywhere from a minute later to years later. You can install one for Gmail or for Outlook. The tool even lets you take out emails from your inbox and resend them back to you at a later time when you actually need them. For example, if your friend sent you an email today, but you're not going to have any time to respond until the weekend, you can use Boomerang to remove the email from your inbox and resend it to you on Saturday.</p> <p>I just downloaded the plug-in for my Gmail account, and I love it! I wrote an email late last night that I scheduled to be sent at 9 a.m. today, which went off without a hitch. I even had time to look over it before it was sent.</p> <p>I can imagine this feature coming in really handy on Friday when I'm writing work emails, because people are more likely to forget to reply as they usually put off replying to Friday emails until after the weekend. Using Boomerang to schedule those emails for Monday mornings may cut down on the hassle of sending follow-up emails.</p> <h3>Be Specific When Setting Goals</h3> <p>Whether it be saving more or deciding to lose weight, achieving goals can be quite hard for most people. It's easy to set them and pledge to yourself that you're turning over a leaf. And then when you find yourself making excuses to skip the gym or indulging in something you can't afford, you're wondering how your plan got derailed. I came across this neat tip that'll help you better achieve goals in an email from Ramit Sethi's blog <a href="http://www.iwillteachyoutoberich.com/blog/">I Will Teach You to Be Rich</a>. Ramit says:</p> <blockquote><p>&quot;'When it comes to self-persuasion, vague goals are death. For example, people have really vague goals &mdash; 'I want to get a six-pack' &mdash; which is an excuse to do nothing, since the path to a six-pack is unclear. It would be better to say 'I want to go to the gym two times this week.' Once you accomplish that minor goal, you can escalate it: 'I want to run on the treadmill for 10 minutes without stopping . . . now 15 minutes . . . now 30 . . . ' and finally, once you get to an advanced level, you can set more ambitious, vague goals like a six-pack.&quot;</p> </blockquote> <p>Whenever you're making goals, try applying this concept to them. For example, if you're trying to save money, write down some concrete and specific steps you can take, such as shave $200 off your monthly rent by getting a roommate or moving to a smaller apartment, or saving $24 a week by bringing lunch to work three times a week.</p> <h3>Organize Your Workdays by Theme</h3> <p>I really don't know how Jack Dorsey does it. He's currently managing two fast-growing tech companies &mdash; Twitter and Square. He apparently spends eight hours at each firm every day and he says the only way to juggle two companies is to &quot;be very disciplined.&quot; He also themes his 16-hour days. Here's what his schedule is like, <a href="http://money.cnn.com/2011/11/13/technology/dorsey_techonomy/index.htm">according to CNN</a>:</p> <p><strong>Monday</strong>: Management meetings and &quot;running the company&quot; work<br /> <strong>Tuesday</strong>: Product development<br /> <strong>Wednesday</strong>: Marketing, communications, and growth<br /> <strong>Thursday</strong>: Developers and partnerships<br /> <strong>Friday</strong>: The company and its culture<br /> <strong>Saturday</strong>: Hiking<br /> <strong>Sunday</strong>: Reflection, feedback, and strategy</p> <p>I actually think Jack's &quot;theme your days&quot; idea is a good one, and I think I'm going to start implementing a slight variation of that strategy at work. However, I don't think I'll plan my weekends out. I like to be as spontaneous as possible on Saturdays and Sundays!</p> <h3>Don't Drink More Caffeine Than Necessary</h3> <p>If you intake more coffee than your usual amount, it might make you more stressed if you're already feeling some tension, according to a study conducted by researchers from the University of Bristol. Stick to your regular cup of joe, and if you think the taste of coffee will calm you down, try opting for a decaf coffee instead.</p> <h3>Stop Spammy Calls</h3> <p>Spam calls can be a frustrating waste of time. Get rid of those pesky calls with these tips:</p> <p><strong>Do Not Call Registry</strong></p> <p>This is probably the best piece of advice for putting an end to those telemarketing calls. Once I registered my cell phone number with the <a href="https://www.donotcall.gov/register/reg.aspx">Do Not Call registry</a>, which is managed by the Federal Communications Commission, I stopped received telemarketing calls. Let me tell you, silence is truly golden! If the calls still persist, you can even file a complaint with <a href="http://esupport.fcc.gov/complaints.htm">the FCC online</a>.</p> <p><strong>Keep It Private</strong></p> <p>Be wary of giving out your phone number and try to limit it to friends. Be very careful about entering in your phone number when you're participating in contests or signing up for promotions.</p> <p><strong>Straight to Voicemail</strong></p> <p>If you're getting too many telemarketing calls, you can save yourself the hassle of dealing with them each time by letting an unknown number go straight to voicemail. You can then check your voicemail messages at the end of the day to see who you should really call back.</p> <h3>Stay Optimistic</h3> <p>People who have a positive view about their willpower and believe they have an unlimited amount of it are able to work longer without a decrease in performance quality versus those who believe they have a limited amount, Stanford University researchers found. The</p> <p>And remember, being happy doesn't have to cost you anything! Check out these <a href="http://www.savvysugar.com/How-Increase-My-Happiness-20753887">feel-good tips</a> on how to have a happier life for free.</p> <h3>Write Down Your Big Wins</h3> <p>Time passes so quickly, doesn't it? Before you know it, it's performance evaluation time again. Here's a tip for you: write down your big wins as they happen over the year. It doesn't matter if it's in Excel, Google Docs, or a plain notebook, start keeping track of your accomplishments. That way when you're pushing a raise, you'll be able to easily whip out the detailed facts and be able to make a stronger case of why you deserve one. After all, memories can fail, and it's easy to forget certain achievements over the course of a year.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> This year, you can be more efficient, happier, and less stressed. From work to the weekend, make 2012 your best year yet with these suggestions. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a style="border:none;" href="http://www.savvysugar.com"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/savvysugar-300-small.jpg" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>SavvySugar</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.savvysugar.com/How-Organize-Your-Email-Inbox-20945323">How to Organize Your Inbox Into a To-Do List in 5 Easy Steps</a></li> <li><a href="http://www.savvysugar.com/How-Productive-Monday-5679691">5&nbsp;Little Tips to Help Kick-Start Your Work&nbsp;Week</a></li> <li><a href="http://www.savvysugar.com/Tips-Handling-Personal-Finances-18910245">6 Personal Finance Tips for Forgetful People<br /> </a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/productivity-tips-to-carry-you-through-2012">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/effort-vs-results-the-difference-between-trying-and-getting-it-done">Effort vs. Results: The Difference Between Trying and Getting It Done</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-fallacy-of-multitasking">The Fallacy of Multitasking</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-areas-where-you-can-eliminate-distractions">6 Areas Where You Can Eliminate Distractions</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/excel-the-most-underrated-software-you-already-own">Excel: The Most Underrated Software You Already Own</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 Technology efficiency New Year self-improvement Wed, 04 Jan 2012 10:48:10 +0000 POPSUGAR Smart Living 853907 at http://www.wisebread.com Best Money Tips: Ring in the New Year Family Style http://www.wisebread.com/best-money-tips-ring-in-the-new-year-family-style <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ring-in-the-new-year-family-style" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bigstock_Family_Of_Four_With_Sparklers_1415609-1.jpg" alt="Ring in the New Year Family Style" title="Ring in the New Year Family Style" class="imagecache imagecache-250w" width="250" height="141" /></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 ringing in the New Year family style, reducing your household electric bill, and improving your finances now.</p> <h2>Top 5 Articles</h2> <p><a href="http://parentingsquad.com/5-ways-to-ring-in-2012-family-style">5 Ways to Ring in the New Year Family Style</a> &mdash; Celebrate the New Year family style and opt to celebrate with a special breakfast in the morning. [Parenting Squad]</p> <p><a href="http://www.thefrugaltoad.com/household/how-to-reduce-your-household-electric-bill/">How to Reduce Your Household Electric Bill</a> &mdash; Want to reduce your electric bill? Try using natural light as much as possible. [The Frugal Toad]</p> <p><a href="http://www.moneycrush.com/6-things-you-can-do-right-now-to-improve-your-finances/">6 Things You Can Do Right Now to Improve Your Finances</a> &mdash; Improve your finances right now by starting an emergency fund. [Money Crush]</p> <p><a href="http://www.biblemoneymatters.com/top-10-ways-to-catch-up-on-retirement/">Top 10 Ways To Catch Up On Retirement</a> &mdash; Trying to catch up on retirement? Consider asking your boss for a raise. [Bible Money Matters]</p> <p><a href="http://www.quizzle.com/blog/2011/12/5-things-to-do-with-your-money-before-the-new-year/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+QuizzleWire+%28Quizzle+Wire+&raquo;+Personal+Finance+Blog%29">5 Things to Do with Your Money before the New Year</a> &mdash; Before the New Year, remember to flex your medical spending muscles. [Quizzle Wire]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Top-Desk-Item-Essentials-20949612">The Top 10 Essentials to Store in Your Desk</a> &mdash; Make sure to keep cold fighters such as Kleenex and cough drops in your desk. [SavvySugar]</p> <p><a href="http://www.kiplinger.com/slideshow/8-technology-innovations/1.html">Technologies That Will Rock Your World</a> &mdash; Get ready, touchless computing is on its way! [Kiplinger]</p> <p><a href="http://www.doughroller.net/personal-finance/3-step-financial-checkup/">3-Step Financial Checkup</a> &mdash; Want to give yourself a financial checkup? Start by preparing a balance sheet. [The Dough Roller]</p> <p><a href="http://www.bucksomeboomer.com/home-ownership-isnt-a-money-losing-proposition/">Home Ownership Isn't a Money Losing Proposition</a> &mdash; To make sure home ownership isn't a money losing proposition for you, buy less than you can afford. [Bucksome Boomer]</p> <p><a href="http://www.investinternals.com/2011/12/5-tips-for-avoiding-impulse-buying.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+investinternals+%28Money+Hacker+Blog%29">5 Tips for Avoiding Impulse Buying</a> &mdash; Want to avoid impulse buying? Try using only cash. [Moneyhacker]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ring-in-the-new-year-family-style">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-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</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-alternative-housing-options-you-can-afford">5 Alternative Housing Options You Can Afford</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-sell-your-kids-stuff-at-a-consignment-sale">How to Sell Your Kid&#039;s Stuff at a Consignment Sale</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/my-2016-budget-challenge-how-to-lose-weight-without-counting-calories">My 2016 Budget Challenge: How to Lose Weight Without Counting Calories</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-ways-to-improve-yourself-for-100-or-less">10 Ways to Improve Yourself for $100 or Less</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips New Year Tue, 27 Dec 2011 10:48:21 +0000 Ashley Jacobs 843071 at http://www.wisebread.com