Being Thankful Works Wonders for You, Including Your Money

Practicing gratitude improves your relationship with money.

It’s easy to lose focus when it comes to your money.

When you’re struggling to get your bills paid, stressing over retirement, worried about the kids paying for college — it’s a lot weighing on you and it can bring you down.

Even if you’re doing well you can lose focus.

With more money comes more desire for more stuff — bigger house, nicer car, wider TV…you know the drill.

That’s why gratitude is so important.

You need to appreciate what you have even if it doesn’t seem like a lot.

How Practicing Gratitude Will Improve Your Relationship With Money (and Other Aspects of Your Life Too!)

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I’m Sick Of Hearing It’s For The Kids – Stop Spoiling Them

Stop spoiling the kids.

Ever run across someone that gives their children everything?

All the latest clothes, electronic gadgets, extracurricular activities, lavish weddings, education, you name it they have it.

And then you find out the parents are struggling to keep their heads above water financially.  (Note: the parents aren’t always in financial jeopardy but I find it’s a common theme.)

Not “we’re just getting by.”  No.

I mean one month they don’t pay cable, another month they miss the electric bill; the rent gets paid late; always something and always “it’s for the kids!”

When you talk to these people they take great pride that they provide for their kids.  They insist that their kids have the best even when it’s out of the parent’s means.

The problem though, comes when the kids start to expect a certain lifestyle with nothing in return (read: they’re spoiled).  When you get stuff just for asking without having to work for it then the stuff you get starts to lose value.  That may sound like it doesn’t make sense but it does.  When you keep getting things you don’t worry about what happens to it.  Why should you?  If you break that new toy or lose it you’ll just ask for another one or for whatever else is new out there.  It’s a cycle that builds a certain negative character in a child that they take to their adult life.

Of course the other problem is the parents that can’t afford the lifestyle they are creating for their kids.  It creates debt which creates stress.  And somewhere down the line it has to stop and the child is left wondering what they did wrong that they can’t have their cushy lifestyle anymore.

Here are 6 Excuses/Reasons I’ve Heard Regarding “It’s for the Kids”:

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Think Long Term When Shopping Black Friday and Cyber Monday

Black Friday Sales

When you do your Black Friday and Cyber Monday shopping don’t just think of things for the upcoming holidays — think long-term!

Many sales are at their best on these days.  Black Friday kicks off the big end-of-the-year holiday shopping frenzy and lots of people use it as an opportunity to stock up on gifts for the coming season.

But you can also take advantage now and buy items for events and purposes throughout the year.  That’s right, you should think long-term when you plan out your Black Friday and Cyber Monday shopping.

Many a time has passed where I thought I’d see an item on sale again but it ended up not being as good as the Black Friday or Cyber Monday price.  Damn!  Missed out.

Of course for this to work you have to have money in your budget to buy extra now for the rest of the year.  It’s silly to put great deals on credit if you are going to end up paying credit card interest later on.

If you think out it and plan well, buying now can save you money, and time, for the upcoming year.

Here Are Some Great Occasions to Shop for On Black Friday and Cyber Monday:

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A Giveaway From Nvestly You Need to Enter

nvestly Apple Giveaway

Who doesn’t love a good giveaway?

I know I do!  Do an easy step or two and you can find yourself with some great prizes.

Giveaways tend to be stuff like books or gift cards.  Sometimes it’s a great prize (like the Chromecast we gave away recently).

How about a giveaway that gives you ownership in a company?  Interested, huh?

Nvestly is doing just that!

Nvestly Giveaway

nvestly Apple Giveaway

Nvestly is getting the word out on their social investing platform.  To help that along they are giving away $2,500 in Apple shares (roughly 25 shares of AAPL).  Yes, they are giving away ownership in Apple (albeit a tiny bit of ownership).

Here are the winning breakdowns:

1st Prize – 15 shares of AAPL (worth about $1,500)

2nd Prize – 7 shares of AAPL (about $700)

3rd Prize – 3 shares of AAPL (about $300)

The winners will be gifted the stocks via www.shareswell.com.  The giveaway runs from November 10, 2014 through November 27, 2014 (Thanksgiving).

To enter, and you should, just follow the directions in the Rafflecoptor box below (that’s how the entries are tallied):

a Rafflecopter giveaway

What is Nvestly

I don’t post about many giveaways that aren’t my own.  Look, you don’t come here to find out about giveaways on the internet.

But I took a look at what Nvestly was and I was intrigued and thought it was a cool idea you should know about (and Apple shares, yeah!).

Wouldn’t it be great if you could see some top portfolios from investors who are doing well?

Nvestly gives its users a social aspect to investing.  When you join you can see what top investors are investing in and see how they do.  You can add your portfolio as well to see how you compare.  I know what you’re thinking – “why would I want to let people know how much I’m investing?”  Yeah, that would be a little awkward to let everyone peek inside your portfolio like that.  But no one will see how much money you put into your investments.  Everything is just represented in percentages.  When you take the dollar amount off it makes it so you can really compare yourself to investors that have access to a lot more money.  And if you aren’t comfortable with even that you can make your portfolio private so no one else can see it.

Why is This a Cool Idea?

We tend to invest in a vacuum.  It’s rare you see someone’s whole portfolio.  You might hear about a couple of successful investments if you’re lucky.  With Nvestly you’re able to compare your portfolio, and its performance, with top investors to see how you match up.  That’s a pretty powerful way to tune up your portfolio (or pat yourself on the back for a great job).  Count me interested.

Of course giving away actual stock is a pretty cool idea too!

So what are you waiting for?  Hit that Raffelcopter box up there and enter!

10 Essential Tips For Shopping Black Friday And Cyber Monday That Will Save You Money

10 crucial tips for Black Friday and Cyber Monday

Can you believe it’s November already?!?

Know what that means?  Yeah, seeing family and overeating on Thanksgiving.  There’s that, sure.

Know what else?

Black Friday and Cyber Monday shopping deals!

These two days have turned into crazy whirlwinds of shopping and sales (actually the whole week is full of deals).  Do your homework and you can score some great deals that you might not find the rest of the year,

But if you aren’t careful these days can turn into a crazy hell that wastes your time and your money.

Here Are 10 Tips You Need to Read Before Shopping Black Friday and Cyber Monday:

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7 Ways Your Finances are Scarier Than Zombies

7 ways your finances are scarier than zombies.

Thanks to the Walking Dead zombies are more popular than ever this Halloween.

You might even say they’re cool.

But do you know what’s scarier than zombies?  Facing yet another Halloween with your financial demons!

Here are 7 Ways Your Finances are Scarier Than Zombies…Read on…IF YOU DARE!!!

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How to Budget for Christmas Shopping – Your Guide to Survive the Holiday Season

How to budget for Christmas Shopping So You Don't Go Broke

Yes, it is only just Fall and the leaves are barely starting to change color but before any of us realize it, the snow will be on the ground and Jingle Bells will be playing at the mall (OK, the holiday music will start once Halloween is over).

Budgeting for Christmas shopping now may sound like a chore but it can be the life line you need to avert debt.

Typically when a person goes Christmas shopping and there is no budget, then this gives the illusion of having no limits – and no limits often leads to January credit card bills that hurt.

I’ve heard people talk about how they counted on getting a big tax refund in order to pay for the previous holidays.  Is that you?  That doesn’t sound like healthy finances to me.  It doesn’t have to be that way.

According to a survey from PricewaterhouseCoopers, the projected household spending for this coming holiday season is $684.  Do you have that in your savings, ready to spend on gifts?  Some people do.  A lot of people don’t.  And where they tend to turn to are credit cards (read: debt).

Designing a budget helps you to avoid that steep downhill in January; and this helps to keep the happiness of the holidays lasting well into the new year.

Read on and I’ll walk you through the steps you need to make so you can budget for the holidays now.  This way you have the money you need to pay for the gifts you want.

How to Budget for Christmas Holiday Shopping So You Don’t Go Broke
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