How 10 Productive Minutes Can Change Your World

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Sometimes you need to just stop your work and take a deep breath. Like when you have a problem that’s pretty serious. It could be a job problem or it could be a family problem. It could be a money problem or a health problem, or any combination of these that are causing you to just stress out and feel like nothing is going right. That’s why taking a deep breath and taking even just a few minutes out can really help boost your productivity. How about taking ten minutes?

Ten minutes isn't much time, but by spending them wisely, you can leverage them into a more productive day. Try some of these ideas to jumpstart your life.

Ten minutes isn’t really a very long time. It’s less time than it takes to play a quarter in a pro football game. You can listen to 2½ songs on the radio in 10 minutes. It’s even less time than it takes you to read your daily e-mails. In other words, it’s just a few minutes, but oh how great it is to have such an opportunity to increase your productivity, save money, build relationships, and move forward in that brief time period. And most importantly, feel better!

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Money Saving Tips to Combat Inflation in 2021

I keep seeing it more and more every day. The inflation factor is out there and I am amazed that not many seem to be talking about it as being a problem. It may not be across the board, but food inflation and energy inflation will be making a dent in your finances if they haven’t already.

Food inflation and energy inflation are rising in 2021. Here are money saving tips to combat inflation and get the most from your money.

Food seems to be at the top of my inflation list but it’s more than that. It’s a huge chunk of your annual budget. The average U.S. household spends $7,800 a year on food!

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12 Ways to Rent an Apartment for Less Money

Although I am a homeowner and have been for the past 40 years, I can still remember the days when I was a renter. While renting wasn’t so terrible, I do wish I had learned some of the things about renting that I know now that would have saved me time, money, and peace of mind. Hopefully, you can use this knowledge to save when you rent an apartment.

It's possible to get a discount when you rent an apartment, you just need to know how. Check out these 12 tips to help you save money.

Rental prices aren’t set in stone, even in highly competitive markets, so elbow grease and negotiation skills can yield hefty savings. One of the priciest cities in the country, San Francisco, today has an average price of a one-bedroom apartment of nearly $4,000 (!), so knowing a few tricks can definitely help.

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Winterizing Your Home: Prepare Now and Save

We all hear the news about climate change as well as the weird and sometimes disastrous weather patterns that seem to happen almost every day in some part of the world. It used to be cold in the winter and hot in the summer. That’s not always the case anymore and the temperatures here in New Jersey sometimes seem like they’re 60-something degrees almost all year round. I may be exaggerating, slightly, but the weather has changed. When I hear some weather guy reporting that the temperatures in September were the warmest ever recorded for the month, and that they’ve broken the record now seven out of the last seven years, we have to admit that global warming is having an effect, don’t we? But sometime that effect is bad winter storms, and you need to prepare by winterizing your home.

The seasons are changing and winterizing your home should be on your to do list. This checklist will help you prepare your home and help save you money.

That’s one reason I finally opened my wallet a few years ago and got the ball rolling on getting a new front door along with a storm door! I was finally ready (after freezing my rear end off for several years) to pull the cord and fix it. It has paid off in keeping us warmer and saving on our heating bill, enough to make me feel really foolish that I didn’t do it sooner.

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Is Mortgage Refinancing Now Really a No-Brainer?

Congratulations to me! (…and Mrs. Super Saving Tips, too). After seeing and hearing a year’s worth of promotions about mortgage refinancing and the all-time low interest rates, we finally took the plunge.

Mortgage refinancing rates are at near all-time lows, but is it the right time for you to refinance? Here's what you need to consider.

When homeowners are bombarded with news about “record low rates”, they often have one thought on their mind: “Is this the time to refinance?” I guess that I have asked myself that question many times over my lifetime and each time I wavier and hesitate until it becomes really crystal clear to me. This time is one of those times! Right now, I have to say that refinancing for almost everyone is on paper at least, really a no-brainer!

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A First Time Homebuyer Must-Know Guide

The American Dream of owning a home is still alive and going strong in 2020 despite the chaotic world we are currently living in. It’s always a bit intimidating whenever you buy a home, but even more so when it’s the very first time you are planning to do it. So here’s what a first time homebuyer needs to know.

If you're looking to buy a home for the first time, you'll definitely want to know about these programs to help educate you and save you money!

There’s a lot to think about when you are thinking about buying your first home and it’s normal to have a lot of questions. The idea of making the single largest purchase that you will ever make in your life is pretty scary. You might be wondering about the process from the beginning to closing and what it all means to your personal finances.

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When Does Having a Mortgage Really Suck?

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Let me be the first person (today at least!) to tell you that owning your own home is a great idea. If you are looking to help build your financial wealth over time, then buying a home is a great way to build equity. It also has lots of money-saving benefits for you as well.

Mortgages are great in that they let many people afford homes, but at a certain point in life, they suck. Having a mortgage in retirement should be avoided.

The alternative to owning your own home is of course renting. Renting is very much like having a big hole that you keep pouring your money into and it never gets filled up. Even in 2020, and with my 70 years on planet earth, owning a home is still a pretty desirable goal to have and a good way to build wealth.

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Buy Everything You Need When It’s on Sale

Yes, it’s your biggest dream and a worthy goal. Only buy the things you want and need when they are on sale and always get the best deal when you do it! If only, right? Well, you may not be able to guarantee it, but you can at least try. And that leads me to my mantra and it must always be yours too: Never, ever buy any appliance, furniture, or any other item if it’s not on sale!

To save money on what you need, always buy on sale! Here's when and how to buy everything from homes and cars to clothing and home furnishings.

That must be your number rule if you wanna be “a star in my show”. And guess what? Retailers know you understand that and so they will use every way they can think of to trick you!

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