Make more money. You have to be able to make more money than you did last year. If you do this every year you work, you’ll end up ok. Invest 10% of your paycheck before anything else. Use a company 401(k) or automatic investment into an IRA to automatically invest 10% of what you make for your future. Retirement will be the biggest purchase you will ever make, be sure to prepare accordingly. Prepare for the worst. Don’t skip out on insurance and be sure to have an emergency fund. You should have disability, life, car, health, and home insurance. You also need to have at least 3-months worth of expenses in cash in a savings account as your emergency fund. Track your money. Use one of the million free money tracking apps to find out what you are spending money on. You’ll find out really fast if you are spending money on bullshit or on things you actually value. Be patient. Money does grow on trees, but trees take a long time to grow. Just keep watering that little hole in the ground and you’ll be good one day. Don’t borrow money to buy anything that won’t make you money. Don’t buy a car with a loan, because cars go down in value. Don’t buy clothes with a credit card, because clothes go down in value. Unless you are purchasing real estate or a business, you probably shouldn’t borrow money. Spend money. Life is meant to be lived. Spend money on what you care about. Travel the world, buy a nice pair of shoes, and go have a fancy dinner. Just be sure to pay cash.
By Guest Nicole
It all starts at home. A great day begins with an amazing morning. With constant distractions and the daily pressure of responsibilities, it’s important to start your morning right to get your mind and body prepared for your daily routine. These 11 tips will bring out the best of your morning, day, week, and life.
1. Wake Up Earlier. We often wake up as late as possible, but losing precious time in the morning puts pressure on our bodies and minds. Throughout the day, our time feels tight when it doesn’t have to feel that way. By waking up early, you can give your body and mind time to unwind and set your routine at an even pace.
2. Drink a Glass of Water as Soon as You Wake Up. Your body essentially shuts down while you’re sleeping. Drinking water will help you get ready to start running. This will also help to rehydrate you and allow for an easier digestive flow throughout the day.
3. Avoid Technology for The First Hour. It’s tempting to wake up and check your email and social media timeline, but all of those things will still be there an hour from when you wake. You won’t miss out on much, and you’ll start your day on your own terms. How often do you wake up in a great mood, and then check your email or messages only to receive a message that disrupts your mood first thing in the morning. Hold off and take control of your emotions at the start of the day.
4. Think of Something You’re Grateful For. The choice is yours. Wake up and find something you’re appreciative of. Your bed, family or even a cup of coffee. The more things you find, the more positive energy you bring to your day.
5. Sunlight, Fresh Air, and A Deep Breath. Even if it’s cloudy, open your blinds and let natural light in. This will awaken your senses and add positive sensory to start your day. Next, open a window, or if you have direct access to a door that leads outside, open your front door and fill your lungs with fresh air. Oxygen provides energy to heal and grow the brain.
6. Move Your Body/Exercise. No matter what you’re doing for the rest of the day, your body will be active if you begin your day with movement. There are various morning workouts you can do that are convenient and quick. If you don’t want to work out, you can also do stretchesto help loosen your muscles and joints.
7. Eat a Healthy Breakfast. A healthy breakfast is your initial fuel for the day. Avoid quick fixes such as cereal, fruit juices, or donuts. Take the time to invest in a healthy breakfast that will have your body feeling energized until lunch time.
8. Say Positive Affirmations. Self-appreciation is important. Find different things you enjoy about yourself and say them out loud to yourself while looking in the mirror. Face yourself and speak positive truths.
9. Plan. Work day or off day, planning ahead allows you to be productive, and to fit in as much as you want throughout the day. Spread out your day so that you know what to expect and avoid feeling rushed. Commit to your plan as much as you can, but allow room for the random disruptions that life can occasionally bring.
10. Leave Yesterday Behind. A new day is a fresh start to life. Yesterday’s arguments, frustrations, and negative thoughts don’t belong in your new day.
11. Read. Start your day with some positive thoughts. Whether it’s the news, quotes, or a novel you love, literature helps stimulate your brain and your imagination.
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