Money Tips Network

'm a certified, registered yoga teacher at the 500-hour level, and I've been teaching yoga and meditation for 10 years. Take it from me: Flexibility is an important aspect of everyone's health.

In fact, most of my students find me because they have low levels of flexibility that are causing them pain. Muscles that are flexible help to reduce pain in the body, particularly back pain, and they support us in the movement of everyday life.

We’ve all heard that time is money. It can mean various things to various people.

• Over time, if you save and invest, you will have more money.
• If you waste time, the money you earn will be less.
• The clock is ticking, and every moment you aren’t earning is money lost. Every moment you aren’t enjoying life is life forever lost.

If we spend our time instead of our money, we miss other opportunities. If we spend our money instead of our time, we lose the money.

When we first start out in life, we often don’t have a lot of money and don’t have much choice other than to spend the time. After we have been at it for a while, however, we often do have a choice. We can decide when we want to do something ourselves and when we want to spend the money to hire someone.

But how do people decide whether to spend money or time?

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Saving money, and spending less money, are two crucial activities for people looking to take, and maintain, control of their personal finances. And, as with most things, there are classy ways to go about it, and … less classy ways.

On the spectrum of ways to spend less money openly, one can be (in order of decreasing classiness) frugal, cheap, or tacky. Merriam-Webster defines each in context:

This post comes from Mike Nickele at our partner site Zing!

I’ve got some good news and some bad news on the housing front. First, the good news: The market is ticking up and the inventory of foreclosed homes is dwindling. The bad news: For just that reason, Fannie Mae is ending its HomePath program.

Fannie Mae’s HomePath program helps buyers of foreclosed properties get cost-effective mortgages, including cash for repairs and remodeling on homes owned by Fannie Mae. The HomePath program currently offers a number of incentives for home buyers: You can put down as little as 5%, there’s no mortgage insurance requirement, and you don’t have to get an appraisal.

We can get so caught up in the hustle and bustle of everyday life that we often forget to think of others. But a small gesture of kindness can not only make someone else's entire day, but it can also make you feel good. So why not spread the love and try a random act of kindness today? Here are 109 ideas to get you started:

RELATED: 29 Habits of Extremely Considerable People

1. Help an elderly person cross the street.

2. Help a younger sibling with homework or college and scholarship applications.

3. Let a car merge in front of you and do it with a smile.

4. Participate in a beach cleanup.

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 waterproof notepads as evidence), the perfect "ah-ha" experience can happen most anywhere. So the question arises: Why? And, how can we encourage it to happen more often?

Most of the time, I prefer to talk about free computer programs and smartphone apps that are useful for me financially, but today I’m going to make an exception and talk about a paid program – Paprika.

(It costs $4.99 for smartphones and tablets and has a $19.99 desktop version for Mac (with a Windows version coming shortly). Here’s a link to the Mac version, the iPhone version, the Android version, and the Kindle Fire version.)

This article is by editor Linda Vergon.

Remember when 2014 was new? I’d rather not think about it, but more than half the year is behind us already and we’re moving into fall fairly quickly. For me, that’s a good time to start thinking about whether I’m reaching my goals for the year and what I need to do to correct my course.

I would like to be in a position to tackle a “single resolution” every year like J.D. Roth did in his Year of Fitness in 2010. I like the fact that, when you eliminate distractions and focus your energy, it reduces your stress level. That makes a lot of sense, but I don’t fit the criteria J.D. mentioned where “nothing else mattered.”