inspiration http://www.wisebread.com/taxonomy/term/3904/all en-US 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> <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-7"> <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-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</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/youve-been-saving-money-all-wrong-heres-why">You&#039;ve Been Saving Money All Wrong. Here&#039;s Why</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-pessimism-can-actually-improve-your-finances">4 Ways Pessimism Can Actually Improve Your Finances</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-golden-rules-of-personal-finance-everyone-should-know">10 Golden Rules of Personal Finance Everyone Should Know</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 These 10 Money Podcasts Will Help You Save Tons http://www.wisebread.com/these-10-money-podcasts-will-help-you-save-tons <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-10-money-podcasts-will-help-you-save-tons" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_coffee_phone_92461379.jpg" alt="Woman listening to money podcasts that will save her tons" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Want to save money and become more financially literate without hitting the books? Podcasts are a great way to pass the time, and they serve to entertain and educate. You can find a podcast about almost anything, and best of all, they are free.</p> <p>Listen to podcasts while commuting to and from work or listen to one while taking a walk. I even enjoy listening to financial podcasts when I am cleaning or folding laundry. (See also: <a href="http://www.wisebread.com/the-5-best-money-podcasts?ref=seealso">The 5 Best Money Podcasts</a>)</p> <h2>1. Dave Ramsey Show</h2> <p>Even though I don't agree with all of Ramsey's money philosophies, he is one of my favorite personal finance gurus. The <a href="http://www.daveramsey.com/show">Dave Ramsey podcast</a> is a mix of stories and interviews of individuals and couples who have conquered their debt, as well as personal finance advice from Ramsey. It is more of a talk-show type podcast than a financial monologue, which makes for an engaging listen.</p> <h2>2. Money Girl's Quick and Dirty Tips for a Richer Life</h2> <p>Want to become financially smarter in the least amount of time possible? Then the <a href="https://itunes.apple.com/us/podcast/money-girls-quick-dirty-tips/id209859739?mt=2">Money Girl's</a> podcast is the right fit for you. Most podcasts are around 15&mdash;18 minutes, which makes it easy to fit financial lessons in a busy schedule. Money Girl discusses a wide range of tips, from more serious issues such as protecting your money in a divorce to fun topics, such as choosing a wardrobe on a budget.</p> <h2>3. Chris Hogan's Retire Inspired</h2> <p>Hogan just started his <a href="https://itunes.apple.com/us/podcast/chris-hogans-retire-inspired/id1117556964?mt=2">Retire Inspired</a> podcast in June 2016, but <a href="http://amzn.to/2dsV5pF">his book of the same name</a> is a best-seller. His advice for retirement is not just for those close to retirement. Hogan talks to Millennials and those on the edge of retirement simultaneously. Listen to this podcast for retirement and saving and financial motivation, but don't expect in-depth strategies for investing or 401K advice.</p> <h2>4. Radical Personal Finance</h2> <p>If you feel like you have already heard it all when it comes to personal finance advice, then <a href="https://itunes.apple.com/us/podcast/radical-personal-finance-financial/id896153632?mt=2">Radical Personal Finance</a> is one podcast to listen to. Host Joshua J. Sheats tackles very interesting and off-the-wall finance topics that are just fascinating. Some notable show titles include, &quot;Tips to Hitchhike Europe (or Anywhere) on $40 a Week&quot; and &quot;Investing in Rare Coins With Numismatic Value.&quot; Sheats also has podcasts on every day finance topics too, including a recent show titled, &quot;The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life.&quot;</p> <h2>5. The Clark Howard Podcast</h2> <p><a href="https://itunes.apple.com/us/podcast/the-clark-howard-podcast/id207724573?ign-mpt=uo%3D8">Clark Howard</a> is a household name when it comes to personal finance. His podcasts are all over an hour but are packed with financial news and advice on how to save money and avoid scams and being ripped off.</p> <h2>6. Listen Money Matters</h2> <p><a href="https://www.listenmoneymatters.com/show/">Listen Money Matters</a> (LMM) is a podcast for both those new to money management, as well as more seasoned investors. The podcast focuses on four main areas: budgeting, investing, getting out of debt, and growing your income. The practical advice spans from podcasts like, &quot;How to Prioritize Your Financial Goals,&quot; which is useful to everyone, to &quot;How to Calculate Your Rental Yield,&quot; which is important for those who want to profit in real estate.</p> <h2>7. Smart Passive Income</h2> <p>Pat Flynn from <a href="http://www.smartpassiveincome.com/podcasts/">Smart Passive Income</a> is a must-listen for individuals interested in growing passive streams of income in their lives. Flynn also has a lot of influence, which means he has a lot of interesting guests and interviews on the show. He has interviewed Tim Ferris, Michael Hyatt, Chalene Johnson, and Ramit Sethi. It is a fun listen, even if passive income is not your first passion in life.</p> <h2>8. You Need a Budget Podcast</h2> <p>The creators of the <a href="http://www.youneedabudget.com/">You Need a Budget (YNAB)</a> financial software have a weekly podcast that discusses debt, saving money, and getting out of the paycheck to paycheck cycle. Topics include reasons to pay cash for your next house and whether you should outsource your finances.</p> <h2>9. The Investors Podcast</h2> <p>The tagline of <a href="https://www.theinvestorspodcast.com/">The Investor Podcast</a> is, &quot;We study billionaires.&quot; If that doesn't grab your attention right away, I don't know what will. The podcast studies the habits and books billionaires read and breaks them down for listeners. The podcast also includes fascinating interviews, like the recent one that interviewed billionaire investor, Carl Icahn's friend, Mr. Mark Stevens.</p> <h2>10. Mad Fientist</h2> <p><a href="http://www.madfientist.com/podcast/">Mad Fientist</a> considers themselves a financial independence podcast that covers early retirement, investing, real estate, and entrepreneurship. Unlike many of the other podcasts, this podcast is not just one voice/person giving financial advice. Instead, this podcast is all interviews of some of the top experts in personal finance, including Nick Loper, J. Money, and JD Roth.</p> <p>Don't be overwhelmed by all of the amazing choices of podcasts. Subscribe to a handful of them, find out which ones are your favorite, and only listen to shows that are directed toward your unique situation.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/these-10-money-podcasts-will-help-you-save-tons">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-9"> <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/9-best-money-saving-channels-on-youtube">9 Best Money Saving Channels on YouTube</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-money-moves-to-make-in-the-new-year">8 Smart Money Moves to Make in the New Year</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-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment advice inspiration listening money podcasts technology Mon, 10 Oct 2016 10:00:08 +0000 Ashley Eneriz 1808266 at http://www.wisebread.com How to Get Your Finances Back on Track After Losing Everything http://www.wisebread.com/how-to-get-your-finances-back-on-track-after-losing-everything <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-your-finances-back-on-track-after-losing-everything" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father_daughter_kitchen_83167945.jpg" alt="Man getting his finances back on track after losing everything" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Losing your job, your house, your car, or your bank account can shake your confidence and leave you feeling helpless. But the best thing you can do when you hit rock bottom is dust yourself off and put the pieces back together again. While bouncing back after financial loss may seem impossible, there are several strategies you can use to get your finances back on track.</p> <h2>1. Assess the Situation</h2> <p>Some financial setbacks occur because of situations beyond your control, like losing a job because your employer had to reduce expenses, or incurring massive medical debt after a serious illness. But even when you have limited control, you should assess the circumstances that led to your downfall and figure out what you did wrong, or what you could have done differently to avoid the experience.</p> <p>Maybe the setback was caused by poor financial choices, such as buying more house than you could afford, which then led to losing the home. Or maybe shopping became your therapy, and rather than save, you blew your income on &quot;stuff&quot; and never built an emergency fund for the unexpected.</p> <p>If you can narrow down what contributed to the mishap, you can come up with a plan to dig yourself out of the hole and avoid repeating the past.</p> <h2>2. Change Your Attitude</h2> <p>Attitude is everything in these types of situations. After losing everything, getting out of bed every morning can be a struggle. And depending on the gravity of the setback, a comeback can feel like an unrealistic dream. But to get your finances back on track, you have to change your attitude and believe there's light at the end of the tunnel.</p> <p>If you make excuses or think you're destined to fail, this can become a self-fulfilling prophecy wherein you never reverse the situation.</p> <h2>3. Adjust Your Budget</h2> <p>It takes income to bounce back from a financial disaster. If you've lost everything, chances are you're working with minimum income. You have an uphill battle ahead of you. But if you prioritize spending, save more, and look for ways to generate additional income, you can begin the road to recovery. (See also: <a href="http://www.wisebread.com/build-a-better-budget-in-5-minutes-flat?ref=seealso">Build a Budget in Five Minutes Flat</a>)</p> <p>Take a look at your budget to make sure you're spending less than you're earning. You need to keep expenses as low as possible, which frees up cash for paying down debt and building an emergency cash reserve. Although there's nothing fun about losing a home or a car, you can turn this tragedy into something positive. You need a roof over your head and transportation, but rather than jump into another housing or car payment prematurely, see if you can rent a room from family or friends. This will probably be cheaper than getting your own place. And if you use public transportation, you'll save on auto insurance, personal property taxes, and gasoline.</p> <p>You also can boost your income with a part-time job, or sell stuff to generate disposable income. The money earned might not be a lot at first, but it can jump-start your savings account and help pay off debt and past due accounts.</p> <h2>4. Get a Financial Mentor</h2> <p>Some people experience a financial downfall because they don't know the fundamentals of managing their personal finances. In this case, education is how you bounce back and make smarter decisions moving forward.</p> <p>The good news is that you don't have to spend money on a personal finance course to learn the basics. There are plenty of resources at your fingertips including reputable financial blogs and websites that cover various aspects of personal finance from saving money to debt management. Working with a financial adviser is also helpful because these professionals can guide you through a financial hardship.</p> <p>If you never learn the right and wrong ways to manage your money, you'll keep making the same mistakes over and over again.</p> <h2>5. Set Realistic Goals</h2> <p>Naturally, you want to rebound as quickly as possible and regain what you've lost, but you have to be realistic and patient. By setting unrealistic goals, you're ultimately setting yourself up for failure.</p> <p>After a foreclosure, your plans might include purchasing another home after 12 months. But considering how you'll need to improve your credit score and save money for a down payment, your expectations could be unrealistic, and if you don't attain this goal, you could become discouraged and lose focus. If you take your time and establish a more realistic time frame for buying another home &mdash; perhaps two or three years &mdash; you're likely to achieve this goal.</p> <h2>6. Don't Give Up</h2> <p>No plan is perfect, so even with a solid strategy for bouncing back, you could hit a few roadblocks along the way. The worst thing you can do is give up. Stumbling blocks will happen, and it's not the number of setbacks that matter but rather the number of times you pick yourself up. If you can rebound from every setback, you'll eventually win and reverse the situation.</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/how-to-get-your-finances-back-on-track-after-losing-everything">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-smart-money-moves-to-make-in-the-new-year">8 Smart Money Moves to Make in the New 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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-moves-to-make-before-the-leaves-change">10 Money Moves to Make Before the Leaves 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/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</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 advice budgeting disaster inspiration losing everything loss mentor positivity rebuilding rock bottom tragedy Fri, 07 Oct 2016 10:30:12 +0000 Mikey Rox 1806464 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-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/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/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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-your-finances-back-on-track-after-losing-everything">How to Get Your Finances Back on Track After Losing Everything</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 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 6 Money Lessons We Could All Learn From Dwayne "The Rock" Johnson http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dwayne_johnson_000018755909.jpg" alt="Learning money lessons from The Rock" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whatever Dwayne &quot;The Rock&quot; Johnson is cooking, you better get a hold of his recipe for success! According to Forbes' list of the world's highest-paid celebrities, Johnson earned a cool <a href="http://www.forbes.com/profile/dwayne-johnson/">$64.5 million in 2016</a>, more than double of what he earned the previous year ($31.5 million).</p> <p>He came from very humble beginnings, hustled his way through professional wrestling, and developed a successful career in the entertainment industry. The Rock never took himself too seriously (remember his role as thug Elliot on <a href="https://youtu.be/y2trL80lJPQ">Be Cool</a>?), and is still quite humble. Here are the six money lessons we could all learn from Dwayne &quot;The Rock&quot; Johnson.</p> <h2>Don't Put All Your Eggs in One Basket</h2> <p>This is one of the most well-known investing maxims. Johnson is a true believer on this mantra and he has diversified his sources of income, including wrestling, acting, and producing a number of reality shows and the HBO series <em>Ballers</em>. While the bulk of his net worth (estimated to be somewhere between <a href="http://okmagazine.com/photos/dwayne-the-rock-johnson-by-the-numbers-his-nine-figure-net-worth-and-more/photo/1001096506/">$150 millio</a>n and <a href="http://www.celebritynetworth.com/richest-athletes/wrestlers/the-rock-net-worth/">$190 million</a>) comes from his movie roles, Johnson still applies the don't-put-all-your-eggs-in-one-basket concept by working in more roles than his fellow actors.</p> <p>And this strategy has rewarded him handsomely. In 2013, actor Robert Downey Jr. was the king of the box office for his role as Tony Stark in the film <em>Iron Man 3</em>, which earned $1.2 billion worldwide. However, The Rock was able to earn $100 million more than Downey Jr. by working in more movie roles. While Downey Jr. only worked on <em>Iron Man 3</em>, Johnson worked on four movies, including <em>Fast &amp; Furious 6</em> and <em>G.I. Joe: Retaliation</em>. &quot;Success isn't always about greatness. It's about consistency. Consistent hard work leads to success. Greatness will come,&quot; says Johnson.</p> <h3>Money Lesson #1: Get a Side Gig</h3> <p>&quot;I never wanted to stay in one genre; I never wanted to be pigeonholed or defined as the actor who only worked in one genre,&quot; claims Johnson. Just like him, capitalize on your other talents and participate in the &quot;gig economy&quot; to get some extra cash on top of your regular salary. From driving with Uber to online tutoring to assembling furniture, you have a wide range of options to choose from. Who knows, if you're able to make more for doing what you truly love, you'll might even be able to bid goodbye to the good old 9-to-5 and long-commute! (See also: <a href="http://www.wisebread.com/13-ways-to-make-money-online-that-arent-scams?ref=seealso">13 Ways to Make Money Online That Aren't Scams</a>)</p> <h3>Money Lesson #2: Diversify Your Investments</h3> <p>Like Johnson, generate multiplies streams of income to hedge against the risk of one of them drying up. By using different kinds of investments, you'll achieve, on average, higher returns and lower risk than any individual investment found within the portfolio. While socking away in a savings account is a source of guaranteed income, it'll never allow you to reach your financial goals. So, you need to invest in stocks. Still, don't put all of it on stocks: Experts suggest young savers allocate 10% to bonds and 90% to stocks.</p> <h2>Set Up Sources of Passive Income</h2> <p>While Johnson is able to command up to $20 million for a movie role, his most impressive source of income is his bonus and royalty contract with the World Wresting Entertainment (WWE). In 2016, wrestler John Cena is without a doubt the star of the WWE, with a star caliber <a href="http://www.totalsportek.com/money/wwe-wrestlers-salaries/">$2.75 million five-year contract</a>, including 7% on merchandise sales and hefty share of Pay-Per-View earnings.</p> <p>However, Cena has to make extensive appearances and really work for that paycheck. On the other hand, Johnson has a $3.5 million contract that only requires him to appear on selected WWE dates and earns a 7% bonus for high merchandise sales. Between 2014 and 2015, he only appeared a handful of times at WWE events. Show up, raise an eyebrow, drop a &quot;People's Elbow,&quot; and get paid a couple hundred thousand dollars (before bonuses!). Not a bad deal, at all.</p> <h3>Money Lesson #3: Negotiate More Than Just Salary</h3> <p>Like The Rock, don't just focus on salary when negotiating your employment contract. Think about other ways that you can get paid extra for the same amount of work. Some examples to consider are:</p> <ul> <li>A bump in your employee match to your retirement account;</li> <li>A subsidy to your commuting expenses;</li> <li>A reduction in your health plan monthly fees;</li> <li>A refund on professional fees or certifications; or</li> <li>A bonus in company shares.</li> </ul> <h3>Money Lesson #4: Consider Income-Focused Investments</h3> <p>While The Rock isn't sure whether or not he'll be able to secure $20 million for his next acting role for the big screen, he can always count on that $3.5 million paycheck from the WWE. Having a secure stream of income is key for better budgeting. It's great to invest your money in equities, but it's even better to have a portion in stocks that pay dividends on a regular basis. Whether you're closer to retirement and need to focus on income, or just need to stabilize your portfolio, look for <a href="http://www.wisebread.com/stabilize-your-portfolio-with-these-11-dividend-stocks">dividend stocks</a> or <a href="http://www.wisebread.com/10-top-mutual-funds-for-income-investors">low-fee mutual funds</a> focusing on income.</p> <h2>Protect the Engine That Powers You</h2> <p>From being evicted from his home during his childhood, to having several run-ins with the law during his adolescence, to only having seven bucks to his name at the end of his football career, Johnson admits that he has had a messy life. So, how was he able to turn things around and achieve success? Johnson admits that the best advice he ever got was &quot;Around every corner always protect the engine that powers you.&quot;</p> <p>For Johnson, his support team consists of his mom Ata Johnson, his girlfriend Lauren Hashian, his ex-wife Dany Garcia, and his ex-wife's husband Dave Rienzi. While the first two make perfect sense, the latter two could leave you scratching your head. Turns out that Johnson and Garcia are co-founders of 7 Bucks Productions (named after the $7 that Johnson had left after his football career, the company is in charge of managing his projects) and Rienzi is Johnson's conditioning and strength coach. &quot;I'm happy to say we're all together working nicely, but it took a lot of work. With Danny, it was going through the sludge of divorce and then having the clarity to say, 'We're still friends, we respect each other, let's do business. And let's do big business,'&quot; says Johnson about his support team.</p> <h3>Money Lesson #5: Buy Life Insurance</h3> <p>When you're the main breadwinner of your household like Johnson, you have to establish a rock-solid plan in case you pass away or are no longer able to provide for your loved ones. Nobody likes to think about their own mortality but you need to realize that right now is when your life insurance is at its cheapest. If you're covering the biggest portion or all of the monthly mortgage payment, who will cover those moneys in your absence? Are you comfortable with the idea that your retired parents or that your children have to take over a debt? That's why you need to protect the &quot;engine&quot; that powers you.</p> <h3>Money Lesson #6: Listen to More Professionals</h3> <p>From executing a will to preparing the taxes of your small business to pulling out a tree, there are many times that you're better off hiring a professional. Not only will you get the job done right, but you'll also &mdash; and more importantly &mdash; prevent any financial damage. Just like in the case of The Rock, you'll have to cede control to somebody who you may not necessarily be too happy with but does an outstanding job, anyway. Two places that you can start with are your investment account and your retirement account. Depending on your accounts, you may already be paying or have access to a financial professional. (See also: <a href="http://www.wisebread.com/who-to-hire-a-financial-planner-or-a-financial-adviser?ref=seealso">Who to Hire: A Financial Planner or a Financial Adviser?</a>)</p> <p><em>What are other money lessons you've learned from Dwayne &quot;The Rock&quot; Johnson?</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/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">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-can-learn-from-gilmore-girls">6 Money Lessons We Can Learn From &quot;Gilmore Girls&quot;</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/flashback-friday-38-money-lessons-we-can-learn-from-celebrities">Flashback Friday: 38 Money Lessons We Can Learn From Celebrities</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-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</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/these-10-money-podcasts-will-help-you-save-tons">These 10 Money Podcasts Will Help You Save Tons</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/4-money-lessons-we-can-learn-from-jk-rowling">4 Money Lessons We Can Learn From J.K. Rowling</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment Lifestyle advice celebrities dwayne johnson inspiration money lessons net worth role models the rock Tue, 16 Aug 2016 09:00:05 +0000 Damian Davila 1773240 at http://www.wisebread.com How to Think Like an Olympian to Master Your Money http://www.wisebread.com/how-to-think-like-an-olympian-to-master-your-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-think-like-an-olympian-to-master-your-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/olympic_runners_athletes_79121499.jpg" alt="Olympic athletes learning how to master their money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may not think you have much in common with an Olympian, but when you put these world-class athletes' level of commitment, perseverance, and practice in the context of your own finances, you might be surprised at just how alike you are &mdash; or, at least, how alike you can be.</p> <p>Start looking at the bigger picture and keep your eye on the prize with these ways to think like an Olympian and master your money.</p> <h2>1. Commit to a Goal &mdash; Or Goals</h2> <p>The ultimate goal of an Olympian is to take home the coveted gold medal in their discipline. Your goals, with regards to your money, may vary. Perhaps you want to pay off your consumer debts or school loans, establish a sizable emergency fund, or start making investments. Whatever it may be, you have to set your sights and focus on achieving that goal by contributing to it as best you can. An important part of that process is holding yourself accountable by tracking your spending and saving habits and monitoring progress toward your ultimate goal &mdash; and that often starts with budgeting.</p> <p>&quot;Olympians set goals &mdash; ranging from hitting a turn better in swim practice to winning a medal &mdash; and then devising a training program around the goals,&quot; offers Kevin Gallegos, vice president of Freedom Financial Network in Phoenix. &quot;In personal finance, the idea is to look at what you want to do in life, set goals, and then put together a budget that will help you achieve those goals. Along the way, you may need to modify the goals or the 'training program' that gets you there &mdash; just as an Olympian would.&quot;</p> <h2>2. Put Those Goals in Places of Visibility</h2> <p>Keep track of your goals and put them in places of visibility. Whether it's a dream board with your endgame (i.e. a gold medal) or a cheat sheet of stats, many Olympians visualize the end in mind.</p> <p>Personal finance expert and blogger Cherie Lowe did just when she and her husband committed to paying off $127,000 in debt.</p> <p>&quot;While we were paying off debt, a running tally hung on our refrigerator (four years later, it's still there), reminding us where we've been and where we were headed at the time,&quot; she says.</p> <p>This strategy can work for you, too. Monitoring your progress &mdash; so you can visually assess your small successes &mdash; will provide the stamina and drive you'll need to make it through the long haul.</p> <h2>3. Recognize the Necessary Sacrifices</h2> <p>Nobody likes to make sacrifices &mdash; least of all Olympians who need to stay on the straight-and-narrow if they're to be the best of the best (so long, junk food and booze!). But if you're in a financial pickle, sacrifices are likely in order.</p> <p>These sacrifices will depend on your lifestyle. I don't know what your personal vices are, but when you identify these monetary distractions, it's wise to devise a plan to nip them in the bud, or at least lay off them as you get your situation under control. You won't get very far in achieving your goals if you're constantly sidetracked or diverted by these things that expressly prevent you from your own success. You'll soon realize they're not worth the negative impact they have on you, and you may even feel better than you thought you would without them.</p> <h2>4. Practice, Practice, Practice</h2> <p>Athletes show up to practice every day and continue to perfect their skill. This is according to four-time real-life Olympian Lauryn Williams, who has started a financial planning firm that serves professional athletes and young professionals.</p> <p>&quot;Practice is about working on your weaknesses until they become skills,&quot; she says. &quot;Saving may be something you don't do well, but you show up and practice and sometimes you save a little and others times you save a lot, but to create the habit of saving you must consistently practice it.&quot;</p> <p>Money-saving expert Andrea Woroch echoes that sentiment.</p> <p>&quot;As the popular saying goes, 'practice makes perfect,' and this applies to both athletes striving to be the top talents in their sport and individuals who want to effectively manage their finances,&quot; she says. &quot;Tasks like investing and saving money take practice; proficiency in these areas is not achieved overnight and requires the same tireless pursuit employed by Olympians seeking gold in the games. Do the same thing everyday as it relates to your money, whether that's reviewing your bank and credit card statements or tracking your goal. And when you perfect your process, keep going and never stop.&quot;</p> <h2>5. Show Up Every Day &mdash; Whether You Want to or Not</h2> <p>No matter how tired you are, or beat down, or how woe-is-me you're feeling about your finances, keep pushing every day. Olympians don't skip the gym. They pay attention to their training daily. In the same way, if you're reaching for a financial goal you have to be willing to show up and put in the hard work, even when you don't feel like it. This means balancing the checkbook, working extra hours, and being an active participant in your money goals.</p> <h2>6. Overcome Setbacks</h2> <p>In your pursuit of sound money-management, there will always be setbacks, whether it's a drop in the market or an impulse buy made in a moment of weakness. But you will bounce back &mdash; and you'll be better for it.</p> <p>Let's use a self-imposed moratorium on clothes shopping as an example. You want to commit to your savings goals full force, and eliminating clothing purchases (or at least for a while) are necessary to achieve that goal. Alas, sometimes life gets in the way, but that doesn't mean that all your hard work to this point has to go up in flames.</p> <p>&quot;When you're trying to cut back on spending, but back-to-school season is demanding your funds, for instance, download apps like <a href="http://shopsavvy.com/">ShopSavvy</a> to compare prices or Coupon Sherpa for such in-store savings as $10 off $40 or more with a <a href="http://www.couponsherpa.com/kohls/">Kohl's coupon</a>,&quot; Woroch says. &quot;Recovering from these mishaps quickly and continuing to practice good financial habits is key to your ultimate success.&quot;</p> <h2>7. Cultivate Self-Discipline</h2> <p>Reaching that podium as a medalist isn't a cakewalk for an Olympian, and neither will be achieving your financial goals. Which is why self-discipline is required, especially if you're going this alone.</p> <p>&quot;It takes discipline to train for hours every day leading up to the Olympic Games and it takes this same kind of strong will to reach your financial goals,&quot; says Woroch. &quot;After all, it's much more fun to spend money on vacations and the latest gadget than it is to put money toward your savings goal or debt payoff plan. Having the control to forgo wants and focus only on your needs is a challenge, but it's a worthwhile pursuit, whether you're striving for gold or financial freedom.&quot;</p> <h2>8. Strive for Consistency</h2> <p>Consistency is key if you want to achieve any kind of goal, whether it's related to fitness or finances. Olympians must be consistent with their training, both mental and physical, to qualify for the games and compete with other top athletes in their sport. Similarly, consumers must be consistent with their savings goals and spending behaviors to stay on track financially. Digital tools like <a href="https://www.mint.com/">Mint</a> can help you track your spending and keep an eye on your investment portfolio, while the<a href="https://digit.co/"> Digit app</a> automates savings and transfers unused funds from your checking account to your savings account.</p> <h2>9. Stay Positive</h2> <p>There will be days along this journey that you'll want to give up, throw in the towel, close the blinds and hide under the covers. We all get that way sometimes, but it's true what they say &mdash; only the strong will survive. Stay focused and maintain a positive outlook, and you'll come out the other end victorious, just like a U.S. Olympian.</p> <p>Woroch notes, &quot;To compete, Olympians must remain positive through arduous training and in the face of fierce competition. It's easy to feel defeated both as an athlete and as someone pursuing a financial goal. However, positivity can help you endure the low moments and keep your sights set on your goal. This is especially true when the stock market drops and your net worth suddenly takes a dive along with it.&quot;</p> <p><em>Are you an Olympian when it comes to your finances?</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/how-to-think-like-an-olympian-to-master-your-money">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/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</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-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-3 views-row-odd"> <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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-10-money-podcasts-will-help-you-save-tons">These 10 Money Podcasts Will Help You Save Tons</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-get-your-finances-back-on-track-after-losing-everything">How to Get Your Finances Back on Track After Losing Everything</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance advice commitment discipline goals inspiration money olympics Paying Off Debt working hard Mon, 08 Aug 2016 10:00:12 +0000 Mikey Rox 1767117 at http://www.wisebread.com The Top 7 Blogs for Entrepreneurs http://www.wisebread.com/the-top-7-blogs-for-entrepreneurs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-top-7-blogs-for-entrepreneurs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_coffee_shop_000079380831.jpg" alt="Woman reading best blogs for entrepreneurs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Time is money. Nobody understands that better than U.S entrepreneurs and business owners. When asked on Reddit about the most painful problems they face on a day-to-day basis, most business owners complained about time &mdash; time to meet deadlines at a neck-breaking pace, time to collect payments from clients, time to keep the company books up to date.</p> <p>Still, entrepreneurs and business owners know the importance of keeping up with the latest developments in entrepreneurship and learning from successful business leaders. For those that can't afford sitting down to read an entire book, here are the seven best blogs for entrepreneurs.</p> <h2>1. Seth's Blog</h2> <p>Efficient and effective are the best words to describe the blog posts from marketing expert Seth Godin. He has authored several bestsellers on marketing, such as <a href="http://www.amazon.com/gp/product/0684856360/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0684856360&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=WXHTSPV7ZMULTXRA">Permission Marketing</a> and <a href="http://www.amazon.com/gp/product/1591843170/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591843170&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=S77KRX62DUNYSA3C">Purple Cow</a>, and on entrepreneurship, such as <a href="http://www.amazon.com/gp/product/B001FA0LAI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001FA0LAI&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=BZOKCESTJLA7JT2P">Tribes</a> and <a href="http://www.amazon.com/gp/product/1591846072/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591846072&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=OCBV4XHWH3SZU5BX">The Icarus Deception</a>.</p> <p>At <a href="http://sethgodin.typepad.com">Seth's Blog</a>, you can find tips on many business topics, including how to create additional revenue streams from freelancing, why it's important to maintain high quality at all times, and how to purchase advertising. Most of Godin's posts take less than five minutes to read, but they are guaranteed to get you thinking about key issues in entrepreneurship.</p> <h2>2. Occam's Razor</h2> <p>In his book <a href="http://www.amazon.com/gp/product/0470130652/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0470130652&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=XBJ67YJCGANGKXDI">Web Analytics: An Hour a Day</a>, Avinash Kaushik provides a step-by-step guide on successful web analytics strategy for your business website. And as search engines tweak their search algorithms on a rolling basis and emerging social media companies rule the Internet, some data and processes require constant revision.</p> <p>At the <a href="http://www.kaushik.net">Occam's Razor blog</a>, Kaushik provides analysis of important web analytics and digital marketing topics for entrepreneurs, such as how to use social media as a business. Unlike other bloggers, Kaushik backs up all his claims with actual data (he's a self-professed &quot;web analytics ninja,&quot; after all!), utilizes plenty of screenshots (particularly useful for users of Google Analytics), and provides actionable takeaways. (See also:&nbsp;<a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging">5 Easy Ways to Make Extra Money Blogging</a>)</p> <h2>3. Guy Kawasaki's Blog</h2> <p>Known as the father of evangelism marketing for his work with Apple in the early '80s, Guy Kawasaki is a prolific businessman and author. With 1.69 million followers on LinkedIn and 1.46 million followers on Twitter, Kawasaki is a thought leader in entrepreneurship, marketing, and PR.</p> <p>While <a href="http://guykawasaki.com/blog">Kawasaki's blog</a> skews a bit towards tech startups, his writing is still applicable to other industries. For example, he provides insights on the<a href="http://guykawasaki.com/how-to-launch-and-why-scaling-doesnt-matter/"> importance of scale in business</a>, guidelines on how to <a href="http://guykawasaki.com/the-art-of-the-panel/">excel at a conference panel</a>, and tips for <a href="http://guykawasaki.com/ten-easy-ways-to-make-your-pitch-rock/">making your pitch rock</a>.</p> <h2>4. 500 Hats</h2> <p>A member of the famous &quot;PayPal Mafia&quot; (he was the Director of Marketing at PayPal from 2001 to 2004), Dave McClure is a prominent entrepreneur and angel investor. McClure knows his stuff and helps run a fund that makes investments ranging from $50,000 to $500,000 in startups. At his blog <a href="https://500hats.com/">500 Hats</a> (one of the most-read blogs by venture capitalists, according to the Wall Street Journal), he provides an inside view into the world of venture capitalism and angel investing.</p> <p>For those looking to launch or optimize their startup, developing a good understanding of what investors are looking for in a startup is essential for survival. Startup owners can learn what makes investors tick at McClure's current and previous blog (<a href="http://500hats.typepad.com">Master of 500 Hats</a>).</p> <h2>5. Gary Vaynerchuk's Blog</h2> <p>Owners of family businesses will find <a href="http://www.garyvaynerchuk.com/blog/">Gary Vaynerchuk</a> to be an inspiration. In just five years, he took his family wine business from a respectable $3 million revenue operation to a $60 million revenue powerhouse.</p> <p>Vaynerchuk is a big fan of no-nonsense advice and his blog is proof of that. Every single one of his posts provides an estimate of how long it will take you to read it (most reads are under four minutes). In addition of his blog, check out his <a href="https://www.youtube.com/playlist?list=PLfA33-E9P7FC0AoARnMLvgFgESJe4_Ngs">#AskGaryVeeShow</a> on YouTube in which he answers questions about marketing, social media, and entrepreneurship submitted via Twitter.</p> <h2>6. Kabbage Small Business Blog</h2> <p>When you're a small business owner, you have a lot of questions. A great place for finding the answer to many of those questions is the Kabbage <a href="http://www.kabbage.com/blog/">Small Business Blog</a>. <em>(Disclaimer: Until December 2015, I contributed to this blog.)</em> What makes this blog stand out from others is that it caters to minority small business owners, offering advice on finding funding options and providing success stories from peers.</p> <p>From determining when you have enough money to <a href="https://www.kabbage.com/blog/do-you-have-enough-money-to-hire-your-first-employee/">hire your first employee</a>, to how to <a href="https://www.kabbage.com/blog/webinar/3-steps-to-improve-your-business-credit-report-establish-build-monitor/">improve your business credit score</a>, to where to find <a href="http://www.kabbage.com/blog/11-grants-for-women-owned-businesses-you-need-to-know-about/">grants for women-owned businesses</a>, the Small Business Blog covers a wide variety of topics relevant to small business owners of all backgrounds.</p> <h2>7. Brian Solis</h2> <p>A digital analyst, anthropologist, and futurist, Brian Solis keeps an eye on the latest technological developments and their effects on business and marketing. Solis constantly seeks ways that businesses can leverage technology to improve the customer experience.</p> <p>On the <a href="http://www.briansolis.com/#">Brian Solis blog</a>, you will find tips on how to deliver a better customer service experience, such as to stop <a href="http://www.briansolis.com/2015/02/deliver-great-customer-experience-stop-focusing-customer/">making unsupported assumptions</a> about your customers and to deliver a <a href="http://www.briansolis.com/2015/07/creating-truly-personal-omni-channel-customer-experiences-2/">consistent customer experience</a> across all channels. This is key because, after all, without customers you won't have a business.</p> <p><em>What are your favorite blogs on entrepreneurship?</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/the-top-7-blogs-for-entrepreneurs">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/the-8-best-books-for-entrepreneurs">The 8 Best Books for Entrepreneurs</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/4-best-states-to-start-a-new-business-in">4 Best States to Start a New Business In</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-clever-ways-people-are-making-money-from-pok-mon-go">8 Clever Ways People Are Making Money From Pokémon GO</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-life-skills-every-freelancer-needs">8 Life Skills Every Freelancer Needs</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/4-ways-to-fund-your-new-business-without-borrowing-a-dime">4 Ways to Fund Your New Business Without Borrowing a Dime</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship blogs books inspiration small businesses time management Wed, 06 Jan 2016 14:00:04 +0000 Damian Davila 1630354 at http://www.wisebread.com The 8 Best Books for Entrepreneurs http://www.wisebread.com/the-8-best-books-for-entrepreneurs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-8-best-books-for-entrepreneurs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_reading_books_000047674572.jpg" alt="Woman reading best books for entrepreneurs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>America is truly the land of opportunity.</p> <p>According to a study sponsored by Babson College and Baruch College, the U.S. now has <a href="http://www.inc.com/leigh-buchanan/us-entrepreneurship-reaches-record-highs.html">27 million entrepreneurs</a> (about 14% of the total population). And many of these American entrepreneurs are thriving &mdash; 24% of them expect to employ 20 or more people in the next five years.</p> <p>If you want to learn the ropes of entrepreneurialism, real-life experience is your best bet, but reading on the subject can also provide you with essential insights necessary for success. Whether you're an aspiring entrepreneur eager to become your own boss, or a seasoned business owner seeking to take your startup to the next level, here are the eight best books to help you on your business venture.</p> <h2>1. Four Steps to the Epiphany</h2> <p>Often referred as the father of the Lean Startup revolution, Steve Blank is a seasoned entrepreneur (starting eight high-tech companies over 21 years), entrepreneurship author, and professor (U.C. Berkeley, Stanford University and the Columbia University/Berkeley joint MBA program). In <a href="http://www.amazon.com/gp/product/0989200507/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0989200507&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=JOMQJOOX36JE3RHG">The Four Steps to the Epiphany</a>, Blank explains the practical and proven four-step customer development process, which is key to launching and maintaining a sustainable startup.</p> <h2>2. Web Analytics: An Hour a Day</h2> <p>Don't undermine your business venture by leaving it offline. According to a Google and Ipsos survey of more than 3,800 small businesses, 58% of them <a href="http://www.inc.com/associated-press/small-businesses-have-no-website.html">didn't have a website</a>. But setting up a website is just the first step &mdash; you also need to understand how it performs. For this, you should leverage web analytics, which is the process of using data to assess and improve the effectiveness of a site. Learn from world-renowned analytics expert Avinash Kaushik through his book <a href="http://www.amazon.com/gp/product/0470130652/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0470130652&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=VJ5XWHMCML7YFWJ5">Web Analytics: An Hour a Day</a>. As its name implies, Kaushik's book provides a daily guide to understanding and applying advanced analytics concepts, including SEM/PPC analysis, the power of segmentation, and conversion-rate best practices. Learn to leverage quick-start solutions for all types of sites, such as small business websites, blogs, and digital storefronts.</p> <h2>3. Tribes</h2> <p>In a perfect world, any entrepreneur would want their customers to be as fanatical as Apple's, Disney's, or The Burger Shack's. Marketing expert Seth Godin shows you the key to using the Internet to create your own customer &quot;tribe&quot; in his book <a href="http://www.amazon.com/gp/product/1591842336/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591842336&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=6GTHPVAX5EFP3QG2">Tribes: We Need You to Lead Us</a>. From detailed best practices, you'll learn how to craft your own manifesto, make it easy for your members to connect to you and one another, and track your movement's progress.</p> <h2>4. Zero to One</h2> <p>You may have heard the name of Peter Thiel before. Whether it was as one of the co-founders of PayPal in 1998 or the first outside investor in Facebook (a 10.2% stake acquired in 2004 for $500,000), you know that Thiel means serious business. In his New York Times bestseller <a href="http://www.amazon.com/gp/product/0804139296/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0804139296&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=SXVPOOHLWSSE5PB5">Zero to One: Notes on Startups, or How to Build the Future</a>, Thiel outlines unique and practical insights about entrepreneurship, and discusses success in terms of human nature and culture. Along with actionable tips on business strategy, Thiel outlines the seven questions that &quot;every business must answer,&quot; which are key to fine-tuning your entrepreneurial vision.</p> <h2>5. The Art of the Start 2.0</h2> <p>While evangelism marketing is more common nowadays, it wasn't so ubiquitous back in the early 1980s. Many people believe former chief evangelist of Apple, Guy Kawasaki, to be the father of the art &mdash; making customers believe so strongly in a particular product or service, that they freely try to convince others to buy and use it. Kawasaki is well-known for his down-to-earth and down-to-business writing style. In <a href="http://www.amazon.com/gp/product/1591847842/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591847842&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=XUY5MIOFWZH2QXN6">The Art of the Start 2.0: The Time-Tested, Battle-Hardened Guide for Anyone Starting Anything</a>, he provides a detailed marketing and PR blueprint for aspiring entrepreneurs, small-business owners, and not-for-profit leaders.</p> <h2>6. The 4-Hour Workweek</h2> <p>One of the main reasons that individuals venture into entrepreneurship is to achieve a better work-life balance. Tim Ferriss is one of the most vocal advocates of pursuing entrepreneurship to improve your lifestyle. In <a href="http://www.amazon.com/gp/product/0307465357/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0307465357&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=WWH3KS7BLKXNNBB6">The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich</a>, Ferriss teaches techniques for helping entrepreneurs and business owners to produce seemingly superhuman results in minimum time. (See also: <a href="http://www.wisebread.com/11-time-saving-hacks-from-the-worlds-busiest-people?ref=seealso">11 Time Saving Hacks From the World's Busiest People</a>)</p> <h2>7. Start Something That Matters</h2> <p>Besides a better work-life balance, many entrepreneurs start businesses in search of the ideal mix of profit and social good. Founder and Chief Shoe Giver of shoe company TOMS, Blake Mycoskie is the poster boy for a business model that helps people in need with every product purchased. <a href="http://www.amazon.com/gp/product/0812981448/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0812981448&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=5HZ2PCZONDPSBKFT">Start Something That Matters</a> tells the story of the steps Mycoskie took to set up his for-profit company to help children he met in a small village in Argentina, and how he inspires others to start something that positively impacts the world. In his book, he profiles other entrepreneurs doing good, including Lauren Bush (founder of FEED Projects), and Eric Ryan and Adam Lowry (co-founders of method).</p> <h2>8. Delivering Happiness</h2> <p>In <a href="http://www.amazon.com/gp/product/0446576220/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0446576220&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=ZPGEBDFFVIUEMYT5">Delivering Happiness: A Path to Profits, Passion, and Purpose</a>, Tony Hsieh, the CEO of Zappos.com Inc, explains how his company went from scrappy shoe online retailer to major player in ecommerce, with over $1 billion in gross merchandise sales every year. Great customer service is key for the survival of any business, and Hsieh makes a strong case of how customer service should be the responsibility of the entire company, not just a department. Given that Zappos consistently ranks among the top companies to work for and was eventually acquired by Amazon in 2009 for a cool $1.2 billion, he is definitely on to something.</p> <p><em>What are your favorite books on entrepreneurship?</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/the-8-best-books-for-entrepreneurs">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-9"> <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-top-7-blogs-for-entrepreneurs">The Top 7 Blogs for Entrepreneurs</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/4-best-states-to-start-a-new-business-in">4 Best States to Start a New Business In</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-10-money-podcasts-will-help-you-save-tons">These 10 Money Podcasts Will Help You Save Tons</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/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship advice books inspiration self employed small businesses start ups Mon, 21 Dec 2015 14:00:04 +0000 Damian Davila 1623600 at http://www.wisebread.com 11 Cool Uses for Popsicle Sticks http://www.wisebread.com/11-cool-uses-for-popsicle-sticks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-cool-uses-for-popsicle-sticks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/popsicle_sticks_000046971446.jpg" alt="Learning a bunch of cool new uses for popsicle sticks" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cooling off with popsicles this summer? Don't toss the sticks! There are a number of <a href="http://www.wisebread.com/7-diy-crafts-that-will-save-you-money">arts and crafts</a> you can make with your leftovers. (And if you're not into cold desserts &mdash; don't fret: you can pick up hundreds of <a href="http://www.amazon.com/gp/product/B001GXD6BU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001GXD6BU&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=GFF5V7IXMG7OHC6X">popsicle sticks</a> online or at your local dollar store.)</p> <h2>1. Coasters</h2> <p>These <a href="http://www.cookinglikelou.com/2014/01/diy-mini-pallet-coasters.html">pallet coasters</a> make an excellent gift for your DIY-loving friends. To make them look especially authentic, you'll cut the rounded edges off with sharp scissors. Stain or leave natural, depending on your preference.</p> <h2>2. Loom</h2> <p>Try out weaving with this <a href="http://buggyandbuddy.com/weaving-with-kids-using-ribbons-and-fabric/">homemade loom</a> project. Hot glue four popsicle sticks together in a square, then tie string across the length to get started. You can give your kids a basket with various pieces of ribbon, yarn, and string to spark their creativity.</p> <h2>3. Workouts</h2> <p>Looking for exercise motivation? Try this <a href="http://backtoherroots.com/2012/08/09/pinterest-challenge-popsicle-stick-workout-jar/">workout jar</a> full of colorful popsicle sticks that tell you exactly how to move. Quickie workouts could mean two sticks completed. When you have time for sweating, challenge yourself to do five or more!</p> <h2>4. Entertainment</h2> <p>Take this same idea and make a <a href="http://www.whilehewasnapping.com/2014/07/washi-tape-summer-boredom-buster-jars/">boredom busting jar</a>. You can use our <a href="http://www.wisebread.com/20-cheap-fun-things-to-do-this-summer">summer bucket list</a> to get inspiration for family friendly ideas or come up with your own. Then write them down on the sticks, decorate, select your activity, and enjoy.</p> <h2>5. Journal</h2> <p>This <a href="http://inmyblueroom.blogspot.com/2014/07/popsicle-stick-notebook-with-twinery.html">stick journal</a> would make a fun book for kids and adults alike. If you're not into bookbinding, you can just adhere the popsicle sticks to a simple notebook. Then embellish anyway you like to make it personal.</p> <h2>6 Doll House</h2> <p>I'm already drafting the plans to make my daughter a <a href="http://melissagoodsell.typepad.com/day_to_day/2008/11/the-little-popsicle-house.html">popsicle stick doll house</a>. All you need are the sticks and hot glue. Older kids might be able to tackle this project by themselves. Arrange sticks to make the walls, room dividers, and then roof. Leave one side open for play.</p> <h2>7. Frame</h2> <p>Display your life's memories with this <a href="https://diyfamily.wordpress.com/2009/10/30/popsicle-stick-photo-frame/">photo frame</a> made entirely of popsicle sticks. After you download the <a href="https://diyfamily.files.wordpress.com/2009/10/photo-frame.pdf">free instructions</a>, you'll assemble the sticks and leave room for the photo. The rest is just gluing and dry time, you can orient the frame horizontally or vertically.</p> <h2>8. Wall Art</h2> <p>I cannot believe this <a href="http://www.apartmenttherapy.com/create-wall-art-from-popsicle-128336">gorgeous piece of artwork</a> is made from popsicle sticks. You can replicate the look by dying or painting sticks different colors and gluing them to a backing (styrofoam would work) for added stability. Play around with colors and patterns for a unique look. The best part? Your whole family can help.</p> <h2>9. Dolls</h2> <p>When your child gets bored of the same old toys, try making these <a href="http://mollymoocrafts.com/craft-stick-dolls/">craft stick dolls</a>. You can draw faces and clothing onto the sticks with markers. Make them even more beautiful with colorful washi tape or stickers. What a great rainy day activity!</p> <h2>10. Chandelier</h2> <p>No, really. You can make a <a href="http://boredandcrafty.com/?p=4574">popsicle stick chandelier</a>. You'll need three wooden embroidery hoops of different sizes. Then glue sticks onto each hoop and let dry before assembling. You may not want to swing by this chandelier, but it will surely be a conversation piece.</p> <h2>11. Toy</h2> <p>Here's a last-minute gift for a child's birthday party: <a href="http://www.howdoesshe.com/stick-art-kit-with-free-printables/">Stick art kit</a>. All you need are jumbo popsicle sticks and <a href="http://www.amazon.com/gp/product/B002IXGUAQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B002IXGUAQ&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=C44AZVOE3YV3TUN6">round Velcro stickers</a>. Put the stickers on the sticks (25 to be exact), then package them up in a pretty bag with the free printable tag. Kids will create shapes for hours with them.</p> <p><em>What cool things have you made with popsicle sticks?</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/11-cool-uses-for-popsicle-sticks">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/make-your-own-moon-sand-dirt-cheap">Make Your Own Moon Sand, Dirt Cheap</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/15-more-cheap-and-easy-diy-toys-kids-will-love">15 More Cheap and Easy DIY Toys Kids Will Love</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-scariest-halloween-frights-you-can-make-from-trash">13 Scariest Halloween Frights You Can Make From Trash</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-fun-toys-and-games-you-can-make-at-home">10 Fun Toys and Games You Can Make at Home</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/get-your-pc-to-give-you-coffee-bacon-or-even-an-orgasm">Get your PC to give you coffee, bacon or even an orgasm.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY arts craft sticks creative inspiration popsicle sticks toys Tue, 28 Jul 2015 17:00:13 +0000 Ashley Marcin 1505743 at http://www.wisebread.com 3 Pearls of Financial Wisdom From Dave Ramsey http://www.wisebread.com/3-pearls-of-financial-wisdom-from-dave-ramsey <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-pearls-of-financial-wisdom-from-dave-ramsey" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/money_in_pocket_000061029288.jpg" alt="Hearing pearls of financial wisdom from Dave Ramsey" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Between his <a href="http://www.amazon.com/s/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=dave%20ramsey&amp;linkCode=ur2&amp;rh=n%3A283155%2Ck%3Adave%20ramsey&amp;tag=wisbre03-20&amp;url=search-alias%3Dstripbooks&amp;linkId=GG6YM2IH7XE5YODZ">best-selling books</a>, radio show, and motivational speeches, Dave Ramsey has been giving solid personal finance advice for more than two decades. He takes a no-nonsense approach to managing money &mdash; just the way I like it &mdash; while offering advice that's practical, actionable, and guaranteed to put you on the path toward financial freedom. Ramsey's <a href="http://www.wisebread.com/the-3-best-pieces-of-financial-wisdom-from-oprah-winfrey">pearls of financial wisdom</a> can help you get ahead and gain control of your finances. Here are three of my favorites.</p> <h2>1. Don't Worship Stuff</h2> <p>Many people grow up thinking they need stuff to be happy. We often confuse our wants with our needs, and convince ourselves we &quot;need&quot; a big house, a fancy car, and everything else in between.The more we have, the more successful we feel. The problem, however, is that stuff costs money &mdash; money we might not have.</p> <p>In his book, <a href="http://www.amazon.com/gp/product/1595555277/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1595555277&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=XIYNPHY6SYJDSBL3">The Total Money Makeover: A Proven Plan for Financial Fitness</a>, Ramsey nails it when he says, &quot;We buy things we don't need with money we don't have to impress people we don't like.&quot; Ain't that the truth.</p> <p>Some of us become so obsessed with keeping up that we sacrifice our future financial health and willingly go into debt just so others will think we're successful and can afford a certain lifestyle. However, the joke's on us because this type of thinking gets us nowhere financially &mdash; and fast.</p> <p>The best thing you can do for your money is stop worrying about the opinions of others and realize stuff doesn't make you happy or richer. Ramsey encourages &quot;living substantially below your means.&quot; Just because you make $75,000 a year doesn't mean you have to spend $75,000 a year. Simplicity is key to acquiring financial freedom.</p> <h2>2. Build a $1,000 Emergency Fund &mdash; Now</h2> <p>According to Ramsey, this is the first step to financial stability. This doesn't suggest you can't have <em>more </em>in your emergency fund. Like many other financial experts, Ramsey speaks about the importance of having a sizable cash cushion &mdash; at least three to six months of income. But since this takes time, Ramsey's Financial Peace University program recommends baby steps and starting with a $1,000 emergency fund.</p> <p>This ensures enough cash to handle life's curveballs, so you don't have to rely on credit cards. This might come as a shock, but building a small emergency fund takes priority over paying off debt (although you'll still need to make minimum debt payments while growing a small emergency fund).</p> <p>Do whatever you can to build this emergency fund. For example, sell stuff you don't need at a yard sale, work overtime, or get a side hustle. The idea is to fund this account as soon as possible. You'll enjoy peace of mind knowing you can handle an emergency, and it's only after building an emergency fund that you can start improving other areas of your personal finance.</p> <h2>3. Don't Be a Slave to a Lender</h2> <p>We live in a world where anything can be financed &mdash; from electronics to houses. And some people fall in the trap of thinking they can afford something as long as they're able to make the minimum payments.</p> <p>Ramsey's financial philosophy revolves around living debt-free. He's a big believer in not carrying <em>any </em>type of debt, including an auto loan and a mortgage. In fact, he says he would rather ride a bike than take out a car loan.</p> <p>In his book, <a href="http://www.amazon.com/gp/product/0670032085/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0670032085&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=KPRFOIAH4ZLGPUG5">Financial Peace Revisited</a>, Ramsey says, &quot;We want it all, and we can borrow to get it all, before we can afford it all.&quot; For some, getting a loan or credit card has never been easier. But the more debt you have, the more you have to work, and the less money and time you'll have to enjoy your life.</p> <p>Once you have a small emergency fund, Ramsey says it's time to tackle your non-mortgage debt. Not just your credit card debt &mdash; all of your debt. He feels that debt-free living isn't just about paying off revolving debt, but also paying off student loans and car loans.</p> <p>He recommends the debt snowball method, in which you pay off your smallest balance first. You'll make large payments toward this debt every month, while making the minimum payments on all your other debts. After you get rid of the smallest balance, take the money you were using to pay off this balance and apply it to the next smallest balance, and so on. You'll eventually pay off your debts, at which point you can start increasing your $1,000 emergency fund, aiming for three to six month's worth of income.</p> <p>After paying off debt and building a &quot;real&quot; emergency fund, Ramsey puts the focus on your mortgage and encourages paying off this debt as fast as you can. Becoming mortgage-free might feel like a stretch, but since you don't have other debts hanging over your head, you're able to increase your mortgage payments without breaking a sweat and pay off this debt years sooner.</p> <p>That's the American dream if I've ever heard of it.</p> <p><em>Are you a student of Dave Ramsey's school of financial thought? What are some of your takeaways? How have Ramsey's philosophies helped improve your own situation? 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/3-pearls-of-financial-wisdom-from-dave-ramsey">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/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</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-money-lessons-we-can-learn-from-gilmore-girls">6 Money Lessons We Can Learn From &quot;Gilmore Girls&quot;</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-of-the-coolest-sayings-about-saving">10 of the Coolest Sayings About Saving</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-money-secrets-of-the-amish">9 Money Secrets of the Amish</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance advice dave ramsey inspiration saving money wisdom Thu, 16 Jul 2015 13:00:14 +0000 Mikey Rox 1485921 at http://www.wisebread.com You Can Too: 7 Amazing Things People Have Accomplished in Under a Year http://www.wisebread.com/you-can-too-7-amazing-things-people-have-accomplished-in-under-a-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/you-can-too-7-amazing-things-people-have-accomplished-in-under-a-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_map_000041834602_0.jpg" alt="man accomplished goals within a year and traveling with map" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are days when I feel incredibly productive, and others when I do not even get off the couch. Can you relate? On those couch days, I enjoy marveling at the accomplishments of others.</p> <p>Imagine what you could achieve by stringing together a few of those productive days&hellip;or even 365 of them! Here are a few incredible, inspiring, productive things your fellow humans have done in a year. Let the motivation begin!</p> <h2>1. Stroll the Continent</h2> <p>There are a number of people who have either run or <a href="http://en.wikipedia.org/wiki/List_of_people_who_have_walked_across_the_United_States">walked across the United States</a> in less than a year's time. Many embark on such an adventure to raise awareness of certain medical or social causes. Take Louis Michael Figueroa, for example. He was only 16 when he ran from New Brunswick, NJ to San Francisco, CA as a promise to a friend who was dying of bone cancer. Figueroa became the youngest person to make the trek &mdash; in just 60 days. It makes that recommended <a href="http://www.wisebread.com/50-ways-to-walk-more">10,000 steps a day</a> seem like not such a big deal. (See also: <a href="http://www.wisebread.com/15-adventurous-things-you-should-do-before-you-die?ref=seealso">7 Simple Ways to Get Motivated for Your Workout</a>)</p> <h2>2. Sail the World</h2> <p>Here's another distance feat: Francis Joyon <a href="http://www.worldrecordacademy.com/sports/fastest_round_the_world_sailing_world_record_set_by_Francis_Joyon_80127.htm">sailed around the world</a> solo in 57 days, 13 hours, 34 minutes, and six seconds back in 2008. To put that in perspective, he made that wicked fast time journeying nearly 21,600 nautical miles. In less than two months. Alone at sea. Whoa.</p> <h2>3. Pay Off Debt</h2> <p>I am majorly inspired by the story of Jackie (<a href="http://thepaleomama.com/2013/08/how-we-paid-off-more-than-27000-of-debt-in-6-months-and-still-ate-paleo/">The Paleo Mama</a>) and her husband. The duo were able to pay off more than $27,000 in debt over the course of just six months using the Ramsey Method and some smart planning. Along with taking a hard look at their budget and bills, the family made some big modifications to their lifestyle as a whole, including selling one of their cars, buying most things second hand, canceling cable and expensive smart phones, and using a cash system for most purchases. (See also: <a href="http://www.wisebread.com/5-inspiring-people-who-each-paid-off-over-100000-in-debt?ref=seealso">5 Inspiring People Who Each Paid Off Over $100,000 in Debt</a>)</p> <h2>4. Raise Millions</h2> <p>We've all heard of crowdsourced fundraising campaigns, and some are certainly more successful than others. Take the GoFundMe campaign for <a href="https://medium.com/@vonwong/my-video-raised-2-million-in-less-than-a-year-heres-how-you-can-do-it-too-46c0ed26b6fe">Eliza O'Neill</a>, a beautiful four-year-old girl with a degenerative brain disease called Sanfilippo syndrome. The amazing story, as told by photographer/videographer Benjamin Von Wong, raised more than $2 million in less than a year. This money will all go toward a clinical trial to find a cure.</p> <h2>5. Plant a Forest</h2> <p>In September 2010, a Pakistani soldier named Muhammed Yousuf Jamil <a href="http://www.treehugger.com/culture/pakistani-soldier-plants-20101-trees-in-one-day-sets-new-world-record.html">planted 20,101 trees</a> in just 18 hours and 40 minutes. As you can imagine, this accomplishment set a new world record in the Guinness book. For those of you curious about the math, that's a whopping 18 trees per minute. The previous record? An impressive 15,170 trees, held by Canadian Ken Chaplin back in 2001.</p> <h2>6. Lose All Fear</h2> <p>I first heard the term &quot;rejection therapy&quot; a few months ago on <a href="http://www.npr.org/blogs/health/2015/01/16/377239011/by-making-a-game-out-of-rejection-a-man-conquers-fear">Invisibilia</a>, but concept has stuck with me. <a href="http://fearbuster.com">Jia Jiang</a> claims he completely broke through his fears of rejection through requesting crazy things from strangers for 100 days straight &mdash; so, less than a year. He is now featured on everything from Ted Talks to The Huffington Post to Forbes for this unusual, effective method of self-rehabilitation.</p> <h2>7. Read Books</h2> <p>Many of us set some reading goals for the new year, but I've never heard one quite like Nina Sankovitch's. She <a href="http://www.readallday.org/blog/tolstoy-and-the-purple-chair/">read a book per day</a> for an entire year after her oldest sister died of cancer in 2005. That's 365 books by 365 different authors in 365 days. Sankovitch chronicled this chapter in her life by writing a memoir called &quot;<a href="http://www.amazon.com/gp/product/0061999857/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0061999857&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=WNMAEHTFW46MELLC">Tolstoy and the Purple Chair</a>.&quot;&nbsp;</p> <p><em>Please share your favorite inspiring story &mdash; maybe it stars you!</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/you-can-too-7-amazing-things-people-have-accomplished-in-under-a-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/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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-places-to-go-for-inspiration">10 Places to Go for Inspiration</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/but-i-dont-want-to-secrets-to-self-motivation">But I Don&#039;t Want To! Secrets to Self-Motivation</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-have-more-eureka-shower-moments">How to Have More Eureka! Shower Moments</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development Productivity goal setting goals inspiration persistence Fri, 27 Mar 2015 13:00:10 +0000 Ashley Marcin 1358025 at http://www.wisebread.com How to Have More Eureka! Shower Moments http://www.wisebread.com/how-to-have-more-eureka-shower-moments <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-have-more-eureka-shower-moments" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/post-it-notes-504684489-small.jpg" alt="post it notes" title="post it notes" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It is often quipped that the best ideas happen to someone, somewhere, while they are in the shower. And while many people do get inspired while scrubbing up (just take these <a href="http://www.amazon.com/gp/product/B003W09LTQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B003W09LTQ&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=6GKSDYHWISRELD3I">waterproof notepads</a> as evidence), the perfect &quot;ah-ha&quot; experience can happen most anywhere. So the question arises: Why? And, how can we encourage it to happen more often?</p> <h2>Happiness Is Brilliance</h2> <p>What exactly causes that moment of brilliance? A number of factors can contribute, but <a href="https://blog.bufferapp.com/why-we-have-our-best-ideas-in-the-shower-the-science-of-creativity">science suggests</a> it usually can't be done without that amazing brain chemical called dopamine. Responsible for the feelings of pleasure, this hormone-turned-neurotransmitter can also bring out some of those amazing moments that make us shout &quot;Eureka!&quot; So this likely explains why great ideas happen in the shower, while listening to our favorite tunes in the car, or when relaxing with a tasty treat. (See also: <a href="http://www.wisebread.com/boost-your-creativity-9-surprising-ways-to-generate-new-ideas?ref=seealso">9 Surprising Ways to Generate New Ideas</a>)</p> <p>As it turns out, however, there is much that happens before the pleasurable event that goes into the brewing of a great idea. Here's how to make the moment ripe for inspiration.</p> <h2>1. Create a Bigger World</h2> <p>It's hard to have new ideas if your vision is narrow. To expand how you see the world &mdash; and potentially create new concepts &mdash; is to approach everything with openness. Nessa Victoria Bryce of Scientific American suggests that this first step is by done by <a href="http://www.scientificamerican.com/article/recall-your-favorite-aha-moment-and-share-it-with-us/">challenging yourself to explore something new</a> to you.</p> <p>Have you always wanted to try watercolors? Do you shy away from certain cooking trends? Is there a different route home that you've avoided taking for no particular reason?</p> <p>When you find the time and energy to stretch yourself, do it! By keeping your options open in your everyday life, you are training your mind to anticipate and acknowledge new &quot;ah-ha's!&quot;</p> <h2>2. Dig In Deep</h2> <p>Once you've found something that you really connect to (those watercolors, for example), Bryce claims that you you now need to get into the trenches of that subject and learn everything you can about it. Learning the answers to your questions only prepares you mentally to solve even more problems, possibly with unique ideas that haven't been implemented before. It also helps to make you a &quot;subject expert&quot; for a particular topic. Future bright ideas can come together more quickly if you have all the puzzle pieces stored away in your brain.</p> <h2>3. Relax</h2> <p>You can't &mdash; and shouldn't &mdash; work all the time. Once you've discovered the ins and outs of your chosen subject, walk away for some &quot;off&quot; time. Drop the brush and head outside for a jog; enjoy the breeze or listen to the birds. When your mind is allowed to just &quot;coast,&quot; you'll be surprised to find that your brain may pop with a new, brilliant idea! (And if your &quot;off&quot; time creates extra dopamine, you're set for success!)</p> <p>In a recent study of 90 Harvard students, those who were forced to step away from their problem-solving and given the opportunity to work on a different task, <a href="http://blogs.hbr.org/2014/03/how-to-have-a-eureka-moment/">came back to the table with more ideas</a> and solutions than the group who stayed focused on the problem continuously. Further proof that taking a break is essential to having a truly &quot;ah-ha&quot; moment.</p> <p>What if you have tried all of these things and aren't impressed with the results? It's possible that the timing just isn't right. Like most great ideas, we can't always set the perfect stage for their appearance. I find that most of my best ideas happen when it is terribly inconvenient to write them down (driving in traffic). Again, this is related to the science that my brain is likely on &quot;auto-pilot&quot; or coasting, plus I enjoy driving. The combination of the dopamine I get from listening to my favorite tunes in the car, plus the relaxation that seeing the wide-open plains gives me is the perfect storm for some brilliant ideas.</p> <p>What can you do to capture the ideas you do get so that you don't lose them for later? Here are a few of my favorite tools for gathering up all the goodness:</p> <ul> <li>Use the memo recorder on my cell phone.</li> <li>Jot it on a sticky note. (Although most of my ideas end up on the backs of envelopes.)</li> <li>Scribble it on your hand. (Writing on your hand won't kill you.)</li> <li>Bounce it off a significant other.</li> <li>Call your voicemail.</li> <li>Send an email.</li> <li>Post it on your Facebook wall.</li> <li>Find a similar idea on Pinterest and pin it!</li> </ul> <p>And there are always those waterproof sticky notes mentioned above.</p> <p><em>When do you usually get your best ideas? How do you ensure that you keep them for when you need them?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/how-to-have-more-eureka-shower-moments">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/10-places-to-go-for-inspiration">10 Places to Go for Inspiration</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/you-can-too-7-amazing-things-people-have-accomplished-in-under-a-year">You Can Too: 7 Amazing Things People Have Accomplished in Under a Year</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/the-power-of-lists-getting-more-creative-and-efficient">The Power of Lists: Getting More Creative and Efficient</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-boost-creativity">25 Ways to Boost Creativity</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> Personal Development Productivity creativity good ideas inspiration muse Fri, 05 Sep 2014 17:00:05 +0000 Linsey Knerl 1203752 at http://www.wisebread.com Best Money Tips: Inspiration to Keep Saving Money http://www.wisebread.com/best-money-tips-inspiration-to-keep-saving-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-inspiration-to-keep-saving-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/piggy-bank-5369553-small.jpg" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="141" /></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 inspiration to keep saving money, getting a great performance review, and how to stop wasting half your day.</p> <h2>Top 5 Articles</h2> <p><a href="http://ptmoney.com/inspiration-keep-saving-money/">Inspiration to Keep Saving Money</a> &mdash; If you need inspiration to keep saving money, think about retiring without worry or spending more time with your kids. [PT Money]</p> <p><a href="http://www.thousandaire.com/how-to-get-a-great-performance-review/">How to Get a Great Performance Review</a> &mdash; To get a great performance review, give your boss a list of your accomplishments. [Thousandaire]</p> <p><a href="http://timemanagementninja.com/2013/11/youre-wasting-half-your-day-and-what-to-do-about-it/">You&#39;re Wasting Half Your Day and What to Do About It</a> &mdash; If you waste your time surfing the web, try to stay off the Internet. [Time Management Ninja]</p> <p><a href="http://lifehacker.com/how-can-i-learn-to-work-with-a-new-boss-1458081719">How Can I Learn to Work with a New Boss?</a> &mdash; When working with a new boss, discuss goals and expectations early. [Lifehacker]</p> <p><a href="http://andthenwesaved.com/apps-that-help-save-money/">16 Apps That Will Make Your Life More Efficient And Help You Save Money</a> &mdash; Grocery IQ and Ziplist will make your life more efficient and save you money. [And Then We Saved]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.marcandangel.com/2013/10/30/10-things-you-should-never-say-about-yourself/">10 Things You Should Never Say About Yourself</a> &mdash; Don&#39;t ever say that what others think about you matters. [Marc and Angel Hack Life]</p> <p><a href="http://www.dumblittleman.com/2013/11/5-must-have-tools-for-networking-online.html">5 Must-Have Tools for Networking Online</a> &mdash; When networking online, Contactually is a great tool to use. [Dumb Little Man]</p> <p><a href="http://www.savvysugar.com/Rules-Electronics-Planes-32315824">Fly the Now Gadget-Friendly Skies</a> &mdash; You can now keep your devices on in airplane mode during takeoff and landing! [PopSugar Smart Living]</p> <p><a href="http://christianpf.com/difficult-circumstances/">How to Have Profound Hope Despite Difficult Circumstances</a> &mdash; Stay hopeful even when times are tough by learning to accept pain is part of life. [Christian PF]</p> <p><a href="http://parentingsquad.com/stuff-we-love-wabi-bottle-sterilizer-does-it-all">Stuff We Love: WABI Bottle Sterilizer Does It All</a> &mdash; If you breastfeed or formula feed, you must check out the WABI Bottle Sterilizer. [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-inspiration-to-keep-saving-money">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/in-times-like-these-separate-the-want-from-the-need">In times like these, separate the want from the need.</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-pay-less-money-for-a-college-degree">6 Ways to Pay Less Money For A College Degree</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-money-moves-cpas-say-you-must-make">8 Money Moves CPAs Say You Must Make</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-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-good-writing-skills-saves-and-earns-money">How good writing skills save and earn money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips inspiration money saving Thu, 07 Nov 2013 10:00:04 +0000 Ashley Jacobs 1079490 at http://www.wisebread.com 10 Mantras That Will Transform Your Life http://www.wisebread.com/10-mantras-that-will-transform-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-mantras-that-will-transform-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/thinking-3471067-small.jpg" alt="thought bubble" title="thought bubble" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Did you ever hear a song and think nothing of it at the time? Then one day, you hear it again, and your feelings sync right up to the lyrics and the rhythm? Before you know it, it&#39;s suddenly your favorite song. You give it the &quot;thumbs up&quot; on Pandora, you buy it on iTunes, and you play it on repeat. (See also: <a href="http://www.wisebread.com/new-ways-to-listen-to-music-for-free-or-cheap">Ways to Listen to Music for Free or Cheap</a>)</p> <p>When you&#39;re going through something, or about to embark on some change or challenge, you begin to see signs that support you in the words you read everywhere, and the lyrics you hear, and the things we repeat to ourselves, over and over, like <a href="http://en.wikipedia.org/wiki/Mantra">mantras</a> that lead us to transformation.</p> <p>And that leads us into the first of 10 mantras that can help us all live better&hellip;</p> <h2>1. &quot;We see what we look for.&quot; &mdash; Sir John Lubbock</h2> <p>This is the short version of the following quote: &quot;What we see depends mainly on what we look for.&quot;</p> <p>It really doesn&#39;t need much explanation. Such a mantra gives us cause to pause and question the things we take as signs. I know many people who put a lot of weight into the signs that they see. But they need to ask themselves&nbsp;&mdash; did they find what they were looking for? Or, did they just create that sign?</p> <p>This also gives a lot of strength to other important things in life. Situations that seem awful, if we look for the positive, suddenly are no longer so melancholy. If we break up with someone and feel desperately low, we are probably holding that person up to the times when they were at their best. The other 90% of the time? That might be a better reality for us to focus on.</p> <h2>2. &quot;The past has no power over the present moment.&quot; &mdash; Eckhart Tolle</h2> <p>I think this is a wonderful and empowering phrase. We limit ourselves and box ourselves in because of things that have happened in the past. When we can let go of that, how divinely freeing it can be! This also relates to the next mantra&hellip;</p> <h2>3. &quot;There are no failures &mdash; just experiences and your reactions to them.&quot;</h2> <p>This one really makes you take control over yourself in circumstances that cause anger or frustration or hurt. &quot;You can&#39;t change other people. You can only change how you respond to them&quot; is also very empowering. Taking responsibility for your own emotions and responses is incredibly freeing, because it takes away the power of others to hurt you. (See also: <a href="http://www.wisebread.com/6-ways-to-manage-powerful-emotions">How to Manage Powerful Emotions</a>)</p> <h2>4. &quot;The start is what stops most people.&quot; &mdash; Don Shula</h2> <p>I know this to be true! The anxiety over the what-if&#39;s, the challenge, and the fear of failure is enough for us to not even try to go for our dreams. But it&#39;s just that very first step that is the hardest.</p> <h2>5. &quot;Change your thoughts and you change your world.&quot; &mdash; Norman Vincent Peale</h2> <p>Another self-explanatory thought. If you change the way you think about things, you change the way you see them; and when you see things so differently, the world is different. This is apparent when just comparing a situation that happens in front of two people; they can both see the exact same thing, but have a very different experience, recount the story differently, and both be correct. This can free you to think about the entire world in a more positive light. (See also: <a href="http://www.wisebread.com/the-happiness-habits-7-ways-to-feel-better-now">7 Ways to Feel Happier Now</a>)</p> <h2>6. &quot;Aggressive goals require an aggressive work ethic.&quot;</h2> <p>Preparation, meet opportunity. Incredible opportunities don&#39;t just land in your lap. You must prepare yourself to be able to take hold. Have a goal? Well, you have met that opportunity head on but were not prepared. Maybe you didn&#39;t get the certification you needed, the qualifications, the education, or the space in your life that nurtured a fertile garden for it to grow. You didn&#39;t prepare.</p> <h2>7. &quot;Comparison is the stealer of joy.&quot;</h2> <p>This is a tweak of a quote from Mark Twain: &quot;Comparison is the death of joy.&quot;</p> <p>It has been said that we measure out happiness by our surroundings, and this is so true to most of us. The neighbors have a shiny new car, or just booked a 10 day vacation to an exotic island. And we feel like we don&#39;t have it so good. Yet, to someone else living in poverty, our home, our car, and our life is a dream. When we quit comparing to others, we stop seeing all we don&#39;t have. We must realize the only person we are trying to beat it ourselves. This is a freeing feeling. Allow others to be who they are, and accept where you are yourself. Don&#39;t compare, just live your life.</p> <h2>8. &quot;You are who you are when nobody is watching.&quot; &mdash; Stephen Fry</h2> <p>A great quote from a favorite British comedian of mine. And it&#39;s so true. Many people truly don&#39;t know who they are and live their lives under the spotlight of opinion. But in those quiet moments, listen and observe as if you&#39;re sitting on your own shoulder; as if you are a parent observing a child. Finding and being your authentic self is truly the place to find your foundation, and the key to finding deep, lifelong joy.</p> <h2>9. &quot;Believe you can and you&#39;re halfway there.&quot; &mdash; Theodore Roosevelt</h2> <p>When you don&#39;t you can do something, you create an enormous mental block. Something that has to be overcome before you even start. But all it takes is an attitude adjustment. You CAN change your thoughts. It has been said that &quot;whether you think you can do something, or you think you can&#39;t, you are right.&quot; You have the power to change your direction in life, just remove &quot;can&#39;t&quot; from the equation. Don&#39;t think &quot;it can&#39;t be done&quot; but instead think &quot;how CAN this be done?&quot;</p> <h2>10. &quot;Be the change you wish to see in the world.&quot; &mdash; NOT Gandhi</h2> <p>I love this quote, even though it is not from Gandhi. His actual words were &quot;If we could change ourselves, the tendencies in the world would also change. As a man changes his own nature, so does the attitude of the world change towards him &hellip; We need not wait to see what others do.&quot; (See also: <a href="http://www.wisebread.com/25-ways-to-be-a-better-person-today">25 Ways to Be a Better Person Today</a>)</p> <p>But whatever the variation, the meaning is clear. The truth is, we can&#39;t sit back and criticize when we don&#39;t have the solution ourselves. But when we do, it is our responsibility to get stuck in and make things happen. We can all be a powerful and positive influence on the world, if we have the strength and commitment to see our ideas through. Don&#39;t be a spectator&hellip; get in the game.</p> <p><em>What mantras do you rely on when you&#39;re getting primed for a transformation?</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/10-mantras-that-will-transform-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-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-apps-that-pay-you-to-exercise">5 Apps That Pay You To Exercise</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</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/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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Personal Development inspiration mantras motivation Wed, 06 Nov 2013 09:48:04 +0000 Paul Michael 1049124 at http://www.wisebread.com 10 Places to Go for Inspiration http://www.wisebread.com/10-places-to-go-for-inspiration <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-places-to-go-for-inspiration" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/fun-5368774-small.jpg" alt="woman jumping in field" title="woman jumping in field" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Inspiration comes to people differently. With the internet (ahem, <a href="http://www.buzzfeed.com/tag/inspiration">Buzzfeed</a>), there are tons of inspirational <a href="http://www.huffingtonpost.com/2013/09/05/amy-poehler-quotes_n_3875119.html">quotes</a> and <a href="http://www.huffingtonpost.com/tag/inspirational-stories">stories</a>, but for me, physical locations are often more inspirational than memes. (See also: <a href="http://www.wisebread.com/8-quotes-to-inspire-your-dream-career">8 Quotes to Inspire Your Dream Career</a>)</p> <p>It usually all boils down to what your interests are, or what you&#39;re struggling with in the first place. Below are the 10 places that inspire me, but I&#39;m sure there will be an overlap in your own lives.</p> <h2>1. Live Music</h2> <p>I work at a music venue sporadically, and live music is simply the best. From seeing music in a small, intimate setting or in a large arena, you&#39;re able to see a musician really dig deep into what they&#39;re playing. Their love for what they do always reminds me that we should love what we do for a living as well.</p> <p>My father loves jazz, and the live experience of improvisational jazz can&#39;t be topped by recorded music. It&#39;s freeing, and you don&#39;t know what could happen next. In college, I met almost all of my friends through music, whether they played it or enjoyed it as equally as much as me. In fact, it was a friend I met through <a href="http://thefeatures.com/">one specific band</a>&#39;s (Warning: Autostart Music) many live performances who then inspired me to move to New York and ultimately shaped my destiny.</p> <h2>2. Comedy Clubs</h2> <p><img alt="" src="http://static1.killeraces.com/files/fruganomics/u784/microphone-4815541-small-ggnoads.jpg" style="height:303px; width:605px" /></p> <p>When I moved to New York, I met quite a few comedians and improvisers. I&#39;ve seen some of the funniest people alive today perform comedy, and it&#39;s amazing to see how quick their minds work and how they can recall the slightest detail. Also, laughter allows you to steer your mind in a different direction, so you distract yourself long enough to work out an issue. It&#39;s also nice to hear a stand-up comedian <a href="http://mashable.com/2013/08/26/inspiring-comedian-quotes/">make fun of something</a> that&#39;s been on your mind lately. Having people find the humor in sometimes difficult situations can help you move on.</p> <h2>3. Public Parks</h2> <p>Sit on a bench, play on the swingset, or just stroll around. Public parks are often filled with children and watching them smile, share toys, or ride a slide 50 times because it&#39;s just as fun the last time as it was the first time is uplifting. Children take joy in the little things, and it&#39;s a nice reminder that we should too. Take a journal with you and write down random thoughts or observations. Life is short, and being happy and having fun every day is important.</p> <h2>4. Nature</h2> <p>Find a trail to hike or bike. Take in the sights, smells, and sounds as you go. There are no car horns or televisions on those trails, just the blowing wind and crunching leaves. Or if you live near a beach, head down to the shore for a few hours and lay in the sun, taking in the crash of the waves and the smell of sea salt. The ocean <a href="http://www.mbgnet.net/salt/oceans/refresh.htm">refreshes itself</a>, so let it refresh you. And don&#39;t think nature is just for art &mdash; nature has influenced quite a few <a href="http://science.howstuffworks.com/environmental/green-tech/sustainable/5-ways-nature-inspired-technology.htm">tech geeks as well</a>, so you never know. (See also: <a href="http://www.wisebread.com/50-ways-to-have-free-outdoor-fun">Over 50 Ways to Have Free Outdoor Fun</a>)</p> <h2>5. Planes, Trains, and Automobiles</h2> <p>You have nothing but time while in transit, and the momentum helps to get your juices flowing. While traveling, I&#39;ve always had the ability to completely clear my head and focus. I&#39;ve written some of my best stories with the unlikely aid of leg cramps and exhaustion. Use your time wisely and charge up your laptop or don&#39;t forget a pen. And if you&#39;re worried about anyone reading what you write, who cares&hellip; it&#39;s all worth it in the end. (See also: <a href="http://www.wisebread.com/6-ways-to-get-more-done-on-airplanes">6 Ways to Get More Done on a Plane</a>)</p> <h2>6. Bookstores and Libraries</h2> <p>Books themselves are, of course, often inspiring. Often when I read a book, I think like the author and pick up on their writing style. But I love diving into one piece of literature and a chapter later reading another piece of literature. I sit on the floor surrounded by books, reading everything at once.</p> <p>Go through different sections and topics &mdash; you might be surprised at what might pique your interest, especially books from different time periods (both fiction and nonfiction). After all, history can be a great source of inspiration. We constantly learn from the past to shape our future.</p> <h2>7. The Gym</h2> <p>Exercising is the perfect way to <a href="http://www.health.harvard.edu/newsletters/Harvard_Mens_Health_Watch/2011/February/exercising-to-relax">unwind and relax</a>. It&#39;s also the perfect way to think about things you might be pushing away because you can&#39;t make a decision or don&#39;t know what you want. Yoga helps me meditate and plan things out, and I find that the grueling task of spin class helps me to refocus my energy and <a href="http://www.buzzle.com/articles/spinning-class-benefits.html">teaches me self-discipline</a>. You go hard in spinning classes, and there is no room for complaining. The stress relief will make you feel better and really get you moving both mentally and physically. (See also: <a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress">20 Really Cheap Ways to Relieve Stress</a>)</p> <h2>8. Flea Markets and Thrift Stores</h2> <p><img alt="" src="http://static1.killeraces.com/files/fruganomics/u784/market-4480235-small-ggnoads.jpg" style="height:303px; width:605px" /></p> <p>As they say, one man&#39;s junk is another man&#39;s treasure. Browsing around flea markets and thrift stores is a great way to get inspired by the past.</p> <p>I have a number of friends who are excellent &quot;pickers,&quot; and when they buy an item that is slightly used, they&#39;re instantly ready to go to work on it or use it to change their entire motif. Looking at something worn and run down and creating something beautiful from it is inspiration at work. For instance, my friend used thrift stores and flea markets to style her wedding. It was cheaper, and she felt more of a connection with the items because they were made or improved by her own hands. In the end, working on her wedding inspired her to pursue a career in styling weddings and photo shoots.</p> <h2>9. Dreaming/My Bed</h2> <p>Yes, my own brain is my inspiration. I&#39;m often described as random, mainly because my brain goes from one totally inane topic to another. Therefore, my dreams do, too. Most of the time it&#39;s my brain working something out for me, whether it be a problem I need to solve or an issue I need to address. My dreams are also <a href="http://www.psychologytoday.com/blog/ulterior-motives/201210/can-you-be-unconsciously-creative">vivid and creative</a>, which leads to imaginative storytelling. And sometimes at lunch I take a power nap so I can refocus myself, as <a href="http://www.brainpickings.org/index.php/2013/02/11/thomas-edison-on-sleep-and-success/">Thomas Edison</a> did. A nap hasn&#39;t led me to an invention like the light bulb, but it has helped me sort out issues for clients.</p> <h2>10. Restaurants and Bars</h2> <p>Eating and drinking with friends is a great source of inspiration for me. Discussing issues with a friend and sharing personal experiences makes me think of the problem in a completely different light. Getting away, having a drink or two, and relaxing makes me focus on the big picture, rather than being stuck on one problem. It also gives me new perspective on the issue because I&#39;m able to step away and come back to it later.</p> <p><em>What places serve as your inspiration?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/10-places-to-go-for-inspiration">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-5"> <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-have-more-eureka-shower-moments">How to Have More Eureka! Shower Moments</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/you-can-too-7-amazing-things-people-have-accomplished-in-under-a-year">You Can Too: 7 Amazing Things People Have Accomplished in Under a Year</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/the-power-of-lists-getting-more-creative-and-efficient">The Power of Lists: Getting More Creative and Efficient</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-boost-creativity">25 Ways to Boost Creativity</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> Personal Development Productivity creativity ideas inspiration Thu, 17 Oct 2013 10:24:03 +0000 Jennifer Holder 1028387 at http://www.wisebread.com