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Press “Mute” During Commercials

The average American is exposed to over 3,000 advertising messages each day, with people who spend a lot of time online or live in major cities being exposed to even more. Heck, you are being exposed to advertising just by reading this blog!

It’s one thing to see an advertisement and be able to click on it or choose to ignore it. But advertisements become much harder to ignore when they contain sound, as they do in radio and television. More »

Wake Up Early

Studies show that people who wake up early are happier than those who sleep late. There are several reasons why this makes sense. First, you get more Vitamin D when you are exposed to longer periods of daylight (and Vitamin D deficiencies are linked to depression). Second, you get more done during the day. And third, you feel like you are a contributing member of society, which makes you feel better about yourself. More »

Pay Yourself First

A great money to save money during a recession (or anytime) is to pay yourself first.

What does this mean? It means you take 10% of your after-tax income and save it, preferably using dollar cost averaging in an equity index fund. You do this before making your budget or paying your other bills and you do it every time you get paid. More »