Talking to friends and family about your efforts to save and invest toward your freedom may not go over as a popular idea. Remember the sobering statistics you’ve often read about the high percentage of adults carrying consumer debt. Remember also that most people live paycheck to paycheck and if that cycle stops, they won’t … More NDQ Tip #486
The concept of retiring early is not viewed by society as normal, so it’s nearly impossible to find mainstream support for your goal. How do you push forward and keep on track? Tune out everything and anyone who doesn’t provide positive encouragement. In fact, it will usually be best to keep your ideas and plans … More Tune Out the Noise
It is Labor Day in the U.S. We recognize and celebrate the hard work of Americans by taking a day off from work. But if you are like me, you are using the day to your advantage. Maybe you are working your side hustle. Maybe you are online, managing your investments. It is also a … More Labor Day and The Day Job
For your own health and peace of mind, when you’re off the clock, stay off the clock. Stop using your personal cell phone to check work email and messages unless you are actually paid to do this or it is included in your salary. You need down time. If you continually focus on your job, … More NDQ Tip #345
If you are like most people, you don’t like your job. A majority of workers are unhappy with their work, management, pay, or lack of promotional opportunities. Does that describe you? Not long ago, I was miserable in my job. Then I discovered this book: Link: How to Get a Job It made every step of … More Hate your job? Get this book!
What is your vision of retirement? Do you picture yourself as a senior citizen living a relaxed life? Or is it a younger version of yourself traveling and pursuing new adventures? Maybe it’s something in between, but different than clocking in at a daily job. My plan to retire early rests on acquiring rental real … More Rethinking and Reinventing Retirement
You’re probably using too much laundry soap (check the directions). Cut back little by little and see if you can tell the difference. NDQ p.s. Check out the new NDQ Guide: 500 Tips the guide that will give you actionable steps to jump start your savings and investing immediately. You may also enjoy: Recap ~ The NDQ Purpose 100th Post … More NDQ Tip #280
Your dryer likely has a sensor to detect when clothes are dry. Use this to shut off the drying when clothes are dry rather than for a set amount of time that might be over-heating your garments and wearing them out. NDQ p.s. Check out the new NDQ Guide: 500 Tips the guide that will give you actionable steps to … More NDQ Tip #276
The article below from USA TODAY summarizes a survey that found 78% of Americans now live paycheck-to-paycheck. 71% are in debt and 56% in debt say their debt is unmanageable. These are frightening numbers! But in order to change this, you have to be willing to give up the extras that are keeping you from … More 78% Live Paycheck-to-Paycheck
Building up an investment fund takes time and discipline. To help myself resist the temptation of dipping into my fund, I’ve stashed my cash in accounts that are easily liquidated, but generally take 3-7 days to get the money. Today’s options with online accounts make it easier than ever to move money from your bank … More Where do you stash your cash?