The Four Hour Work Day

Work Less, Save More, Live More

Want to Start a Business? Consider These Things First

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 Want to Start a Business? Consider These Things First“If you fail to plan, you plan to fail.”
Starting your own business takes a lot of planning and brainstorming. It’s better to plan everything now than regret later.
It’s heartbreaking to know when you make a mistake that seriously affects your business that would have been prevented if only you took the time to plan.
So if you’re starting a business anytime soon, take your time in considering and planning the following factors:

Yourself as a business owner

Can you do it?
Of course, you can! But make sure that this is what you really want. The reason why you like to get into business should be strong enough to make you strive.
Also, assess your strengths and weakness. Be honest with yourself and be open to hiring people to do the tasks you cannot do.

[Read more…]

Want To Have Your Own Business? Here Are 5 Sources of Capital To Start Your Own Business

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Want To Have Your Own Business? Here Are 5 Sources of Capital To Start Your Own BusinessYou are passionate, creative, and hardworking. You have the skills, the perfect business idea, the passion. But one thing is missing — you don’t capital to fund your business!

Don’t let your idea go to waste. Who knows? Your business might be the next big thing!

Looking for money to start a business can be a struggle. This is often one of the reasons potential entrepreneurs give up. But you will not be like them.

Here are 5 tips that will help you raise a capital so that you can finally start your own business. [Read more…]

Don’t Take This for Granted: Why You Need Life Insurance

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Don't Take This for Granted: Why You Need Life InsuranceMost Americans agree that people need life insurance. Yet only about 70% of Americans have one.

 

This is sad considering the benefits of having one, and the consequences of not having one.

 

Insurance is one of the things that’s so easy to put off, unlike health insurance that you know you’re going to need one of these days, or sometimes, almost immediately. But with life insurance, the future seems too far so it’s easier to think you don’t need one yet.

 

But the more time you put it off, the greater the risks.

[Read more…]

10 Side Hustle Ideas for the Holiday Season

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0 Side Hustle Ideas for the Holiday SeasonIt’s the most wonderful time of the year in a few weeks! It’s the season for celebrations, parties, reunions, shopping, mall sale, exchange gifts, etc.
 
Holidays may sometimes mean unnecessary expenses. To keep up with this season without sacrificing your budget, here are side hustle ideas to earn more cash before the holidays.
 

1.Overtime

 
This is not my favorite but if you could spend long hours at work, that’s an extra money for you.
 

[Read more…]

Want to Start Investing? Here’s What Every Newbie Investor Should Know

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Want to start investing? Here's what every newbie investor should know.At the end of each tiring work day, do you ever ask yourself, “Where has my hard-earned money gone after all these years of working?”

 

Working in an 8-hour job or traditional business can be draining. Sometimes it feels like you’re only getting paid just to stay afloat.

 

Most of us might have no idea where our money went and probably, we might have spent them on our daily bills, loans, shopping, night out with friends, etc.

 

This is why we need to invest. With investing, you get to reap the fruits of your labor and you’ll never have to regret your money only went to monthly bills. Not to mention the long-term financial cushion it provides.

 

So what is investing?

[Read more…]

How To Set Financial Goals That You Can Achieve

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How To Set Financial Goals That You Can AchieveAchieving financial goals before you retire is everyone’s dream. But working on these goals is hard if you do not know where to start.

One common advice in setting a goal is to set SMART goals. SMART stands for specific, measurable, attainable, realistic, and time-based.

But having SMART goals isn’t enough. Here are some tips on how you can set not only SMART financial goals but also, goals that YOU can actually achieve.

[Read more…]

Frugal But Still Living From Paycheck to Paycheck? Here’s How to Fix That

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Frugal but still living from paycheck to paycheck? Here's how to fix that.There you are, counting every penny and carefully drafts your budget for the month. But the truth is, no matter how many times you crunch the numbers, your income isn’t enough.

And the most frustrating part? You’ve already done your best to be frugal.

So why are you still living from paycheck to paycheck despite your efforts of being frugal?

You’re still suffocated with bills and expenses that pop up from nowhere.

You still can’t figure out how you can live without worrying about money despite your efforts.

If you’ve been living a frugal life but still broke, clearly there’s a hole in your financial system you need to fix.

Being frugal is good. But if you’re not spending money on things you need to, you might end up being broke rather than having a simple and comfortable life.

Here’s what you need to invest in to remedy the paycheck to paycheck lifestyle:

[Read more…]

7 Ways Outsourcing Can Give You More Than Just Time

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7 Ways Outsourcing Can Give You More Than Just TimeAre you bootstrapping your business and still foregoes outsourcing?

If your answer is yes, you’re probably one of the entrepreneurs who is trying to do everything in your business thinking this is the right way to do. After all, building a business you’re passionate about is all about hard work, hustle, and grind, right?

Working hard is good. Working smarter is better. In fact, the benefits of outsourcing outweigh the cost.

If you think you need to outsource just to free up some time so you can get a breather from all the side hustling, think again.

Outsourcing can give way more than just extra time

[Read more…]

3 Practical Ways to Pay Off Debt Using the Income You Have Now

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3 practical ways to pay off debt using the income you have nowGetting out of debt is not easy. But with the right strategy and an ounce of discipline, you can pay off your debts.

Most get out of debt advice out there tell you to add more income so that you can pay off your debts. And there’s really nothing wrong with this advice. In fact, this is great advice. With the extra income, you can use that to pay off debts.

But sometimes what you need is not extra income, but fewer expenses.

Most people fall into a ton of debt not because their income isn’t enough but because they’re living way above their means.

So before you try to find extra work for an extra income, try your best first to follow a budget and stick with it. Because sometimes, having an extra income will just give extra money to blow.

Using your income now, you can pay off your debts without having to work on a second job.

Here are 3 practical ways on how to do that.

[Read more…]

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