September 12, 2020

12-Minute Financial Makeover Step 5 - Slash Boring Expenses to Relieve Pressure

Our Financial Makeover Series features carefully selected personal finance topics. We hope talking about these basic principles can allow you to figure out what can help the most in your own unique situation.

In Part 1, we discussed avoiding fees and using a no-fee online checking account.

Part 2 pointed out how no-fee savings accounts and a fun budget approach could allow you to spend more on things you truly love.

We followed up in Part 3 with budget choices and the amazing freedom it can provide to realize your projects and dreams.

Part 4 suggested to start and build up emergency savings in accordance with your own crap-happens plan.

Today we’ll talk about expenses and propose ideas, hopefully inspiring, to reduce them.

We know a lot of people have a very hard time cutting down their spending as it can be simply too painful to them. But oftentimes, just focusing on boring expenses can give you the spark and motivation to get the slashing process going.

Getting More of What You Love

As we already highlighted in Part 2, getting more of what you love is the key here. So, try to focus on getting more resources like precious time and money!


On the cash front, reviewing your expenses and slashing unnecessary ones can be a straightforward way to free up big bucks to attain more of that.


An even more motivating approach is to concentrate your expenses carving on the boring kind. After all, cutting down on expenses that don’t provide you much joy should be much easier.


Working hard to tackle down your expenses should also help take out much of the guilt associated to spending. Enjoying more of what you love is not a sin, especially if you worked hard to achieve so.


As you can see, boring-expense money could provide some leeway and ultimately allow you to spend more on what you love. That’s plain and simple!


Fun Right After Necessity First


In all of this, you still have to prioritize essential spending.


You have no choice to spend some money on what you and your family, essentially need. There’s no way around it.

September 03, 2020

Workout The 12-Minute Way (Revisited)

The 12-Minute Series was originally posted in 2012.

We’ve decided to republish it integrally because we believe it can still help as everyone aspires to make things better.

Let’s hope it stirs up the discussion and stimulates you to change the world 12-Minute at a time!

This article was originally posted on February 12, 2012

Whether you want to lose some weight or be in better shape, a simple solution exists:

Add a 12-Minute Workout to your daily routine!

Taking an extra 12 minutes a day or 1 hour a week to work out can greatly improve your figure and your general health.