The Four Hour Work Day

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How to Successfully Handle Your Finances as a Newly Married Couple

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Just got married? I am sure you are ovHow to Successfully Handle Your Finances as a Newly Married Coupleerjoyed!

Who wouldn’t be? You’re starting a new adventure together with your life partner and will be building your future as a family.

As newlyweds, there will surely be a lot of adjustments. One of which is that the things that you once did on your own before, moving forward you now have to consider your partner as well. This goes with finances as well.

If you can splurge on items before that you like and shop whenever you want, now you have to consider your spending, especially if you have agreed to combine your finances.

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7 Must Have Apps to Increase Your Productivity

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Productivity.

It’s the one word that everyone seems to crave. Yet everyone seems to struggle with it.

It doesn’t have that we live in a generation of hustle – too much to do with so little time.

Technology has changed our lives. And yet the more tech around us the more we are buried with a never-ending to-do list, not to mention stress and anxiety.

But while online apps can bring about stress and time wasters, there are a lot of apps that help us to stop wasting time and increase productivity.

Here are 7 apps that will help you skyrocket your productivity and help you manage your time.

 

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How to Have an Affordable and Safe Staycation Even with the Pandemic

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HOW TO HAVE AN AFFORDABLE PANDEMIC STAYCATION Our lives revolved around our home this past few months due to the pandemic. Aside from it being our abode, it has become our office, school, and gym. Even our shopping and groceries are now done at home! Some places are more strict on implementing social distancing rules while others are fairly lenient. If you’re one of the people who have been cooped up in your home for the past couple of months - I totally understand the desire to go out! While we do love our homes, it’s great to have a quick getaway to unwind and relax. Unfortunately, going on a vacation is not realistic if money is tight or if there are travel restrictions in your area. Staying at home is the safest option too, especially for those with health concerns. But you don’t need to travel to have a vacation. You can have a fun staycation at home. You just need to be creative! Here are some ideas to create an affordable yet fun and memorable staycation. Recreate a spa experience at home If you like visiting spas every time you are on vacation, you can recreate the spa experience yourself. Light some scented candles, play a piece of relaxing spa music, and soak in your tub. You can put a bath bomb or add some petals and essential oils in your warm water. If you do not have a bathtub, take a hot shower with this relaxing ambiance. After your bath, you may also ask the assistance of your spouse or kids for a gentle massage. Create a vacation destination themes Do you have a certain destination place in your bucket list? Create that atmosphere at home! Let us say that you initially planned to go to Japan. Produce that theme by designing your homemade passports, then learn about the place and culture. Play the music that is traditional in that area, cook ramen, and watch Japan travel videos. You can also get your kids to create photo booth props and decorate your home based on the destination theme. Have a movie night with your family Turn off the lights, bring out the pillows, pop some popcorn, and choose the movie to watch with your loved ones! To make it more exciting, make each member of the group write a movie of their choice and randomly pick what to watch. Set- up a camping night in your backyard Do you love camping? You do not need to go to the mountains to experience this. You can pitch a tent in your backyard (or in your living room) and grab blankets, mats, and pillows to make it comfortable. If you can, build a campfire in a fire pit or fireplace, then roast marshmallows for smores. Plan and cook camping meals too. Stage a family tournament Bring out the games and let the family tournament begin! You can choose from a wide variety of games - Monopoly, Scrabble, Jenga, Card games, and more. You may also choose consequences for the losers - like doing the dishes after dinner. Hold a sports fest at home Schedule a day to wear your sportswear and rubber shoes! Have a sports fest wherein you can play sports that you like. You may also assign each member of the family to be the organizer per sports event. In this way, you not only get to be active, but it also creates a bonding with your family. Have a big night with a fancy meal Do you usually go to fancy restaurants especially for special occasions? You can have it in your own home by preparing the meal that you have in mind! Do some research through the internet on what menu you can prepare, cook your food, add wine, light up those candles for a romantic touch, and have a big night with your spouse. Attend virtual concerts A lot of artists now hold virtual concerts for their fans. Why not take advantage of these free virtual concerts? Pump up the volume and enjoy good music! You can even dress-up, turn off the lights, and play with glow sticks to create the concert experience. We may have a lot of lost opportunities because of the pandemic but this should not limit us too much. We can still have fun and enjoy ourselves while staying safe.Our lives revolved around our home these past few months due to the pandemic. Aside from it being our abode, it has become our office, school, and gym. Even our shopping and groceries are now done at home!

Some places are more strict on implementing social distancing rules while others are fairly lenient.

If you’re one of the people who have been cooped up in your home for the past couple of months  – I totally understand the desire to go out!

While we do love our homes, it’s great to have a quick getaway to unwind and relax. 

Unfortunately, going on a vacation is not realistic if money is tight or if there are travel restrictions in your area. Staying at home is the safest option too, especially for those with health concerns.

But you don’t need to travel to have a vacation. You can have a fun staycation at home. You just need to be creative!

Here are some ideas to create an affordable yet fun and memorable staycation.

  [Read more…]

How To Reduce Financial Anxiety

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All of us have surely experienced a period of stress on money matters. It is normal and at the right level, healthy too because it helps us be conscious of managing our finances.

 

But there is what we call financial anxiety which is different from the typical money stress.

 

The psychological definition of financial anxiety is “a psychosocial syndrome whereby individuals have an uneasy and unhealthy attitude toward engaging with and administering their personal finances in an effective way.”
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How to Bullet-Proof Your Financial Data

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How to Bullet-Proof Your Financial DataPhishing, hacking, identity theft, data breach, and network intrusions. Cybercrimes are all over the news and everyone can fall victim.

It doesn’t mean that we should refrain from using online banking, bill payment facilities or stop shopping online. The best thing to do is to educate ourselves on how to protect our financial information online and even offline. 

Here are some safeguards to help people keep their financial data secured. 

 

Shred financial documents

How do you keep your bank statements, bills and statement of accounts? If you just throw them away without shredding them, someone might use it and you become easy prey of identity theft. This is called dumpster diving.  That’s why it is recommended to apply for paperless electronic statements.

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How to Manage Your Finances Before, During and After a Natural Calamity

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How to Manage Your Finances Before, During and After a Natural CalamityEarthquakes, typhoons, floods, forest fires, volcanic eruptions, tsunamis, and the most recent crisis the world is experiencing today, the pandemic Covid19.  

Many people refuse to entertain the idea of natural calamities. It sounds pessimistic and at the same time, it seems there is one in a million chance that it would strike you. But what if it will? Are you prepared? 

Are your finances secured from the unexpected events of nature?

We can’t predict anything but still, we need to be proactive in case it happens. Better safe than sorry, right?

So here are the things to do before, during, and after a calamity.

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5 Reasons Why You Should Invest in Real Estate

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5 Reasons Why You Should Invest in Real EstateFirst off, what is Real Estate?

Real Estate refers to land and improvements, including buildings, fixtures, roads, utilities together with the natural resources attached to it.

So why should you engage in a real estate business? 

Because it’s profitable. But when you hear real estate, people tend to get intimidated. Like stocks, mutual funds and other investments,  each has its own level of risks and it’s up to you how to manage them. 

There are many misconceptions about this industry so let’s start with disproving them first.

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More Business Ideas For Creatives

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Are you born with an eye for arts and hands for crafts?More-Business-Ideas-For-Creatives

Maybe you’ve thought of your hobbies as just that – hobbies. But you can make a living from your skills and build a profitable business out of it.

Yes, it’s possible to make money with your passion.

 

I’ve previously written about business ideas for creatives. And here I’m listing down more business opportunities for creatives like you.
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