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الجمعة، 21 ديسمبر 2018

Pennsylvanians Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Pennsylvania, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Pennsylvanians can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EC6MI9

New Jerseyites Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in New Jersey, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and New Jerseyites can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EFJ6DP

Rhode Islanders Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Rhode Island, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Rhode Islanders can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EA0Y21

Marylanders Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Maryland, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Marylanders can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EFIuhv

Connecticuters Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Connecticut, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Connecticuters can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2SasHdC

Bay Staters Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Massachusetts, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Bay Staters can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2Aa2W6i

Delawareans Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Delaware, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Delawareans can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2Sl9Dtj

Mainers Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Maine, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Mainers can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EHX2wV

District of Columbians Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Washington D.C., the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and District of Columbians can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2A9hTWc

New Hampshirites Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in New Hampshire, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and new Hampshirites can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EASyr7

Ohioans Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Ohio, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card.

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Ohioans can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EJknyu

Illinoisans Can Get a Free $20 Amazon Gift Card for Helping to Build a New Wind Farm

Did you know you can use your energy bill to support renewable energy — no matter where you live? Even living in Illinois, the money from your power bill could be helping to build a new wind farm in another state across the country.

With renewable energy company Arcadia Power, you can offset up to 100% of your monthly energy consumption with 100% renewable sources in about two minutes.

Arcadia Power matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically, the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.

And, because you’re such a good person, the company will throw in a free $20 Amazon gift card

The service is free in some areas and costs a small monthly fee in others.

Eric Hanson wanted a cleaner energy source, but didn’t have the option in his area — and didn’t want to install pricy solar panels.

So he went with Arcadia Power, which offers him a way to drive the demand for sustainably sourced electricity, even though it’s not available in his area yet.

“On a fundamental level, the power that I use in my house is coming from renewable sources,” Hanson says. “By providing financial support for renewable energy sites, I can disrupt the market. I’m willing to support green growth.”

Bonus: Arcadia lets you see an online dashboard to track your power usage  — and Illinoisans can sign up for price alerts to find the cheapest energy rates available.

You can sign up to qualify for your free Amazon gift card in about two minutes.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2EC4t81

I Need a Car, but My Credit Is Awful. Will I Get Ripped Off?

Dear CCC,

While we advocate for buying used cars and maintaining them for the long haul here at The Penny Hoarder, I cannot say the same for driving a rolling fire trap. It’s time for an upgrade.

Since Mom and Dad aren’t here to help (and even if they were, I’d still advise doing this), it’s time to arm yourself with as much information as possible. Research the fair market value for cars in the model year and condition you’re considering to help determine a reasonable budget. Kelley Blue Book and Edmunds are good places to start. Asking friends and family members about their cars can give you a personalized idea of what you can expect from gas mileage, maintenance needs and other peculiarities.

Next, it’s time to arm yourself with financial knowledge. Go to AnnualCreditReport.com and pull your free credit report to ensure you know the cause of any negative marks. Find out your credit score, which is available through a variety of free services. A good place to start is to log in to your bank account to see if your bank offers a peek at your FICO or VantageScore number.

But keep in mind that auto dealer financing departments use a souped-up scoring system that might result in a slightly different score than you’ve obtained yourself.

While you’re logged into your bank account, request a quote for an auto loan to get a solid idea of what interest rates you can expect for car financing. Remember: You don’t necessarily have to get financing from your dealer — you can take in a preapproval offer on your own.

Now, about the actual act of going to the used-car lot. Make sure to eat before you go, because hunger makes us take drastic and desperate measures. Then, play it calm and cool. Don’t go into the interaction fearing you’ll get tricked — that’ll just make you more nervous.

Instead, focus on the goal: You need a reliable vehicle at a good price. You’ve got the facts: your credit score, your preapproval rate, your car research. They’re just facts. Stick with the facts, and be ready to walk away if you don’t feel your needs are being taken seriously — even if walking away just means walking to the car lot next door.

One last option, if you’re still nervous about taking your research into a traditional auto dealership: You can always visit a lot that advertises “no haggling.” If you take this route, it’s even more important to do your pricing research, and you’ll still want to check reviews before you stop by.

The bottom line: Arm yourself with knowledge — and confidence — if you don’t want to be taken for a ride.

Have a tricky money question? Write to Dear Penny and you might see your question answered in an upcoming column.

Lisa Rowan is a personal finance expert and senior writer at The Penny Hoarder, and the voice behind Dear Penny.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.



source The Penny Hoarder http://bit.ly/2AkScCb

Dealing with Being Overwhelmed Without Financial Missteps Compounding the Problem

I’ll be the first to admit that this time of the year leaves me feeling overwhelmed, and this year more than most.

For starters, the holiday season is something that often leaves me with a sense of too much to do and a sense of relief when it’s over that overshadows the joy I feel during the season. I think of the holidays as stressful, not joyous, with an overstuffed calendar and an overstuffed to-do list.

I also am affected somewhat by seasonal affective disorder, which usually kicks in right around Thanksgiving. I can combat it through a handful of routines, but it still affects me even when I do everything right. I started to get it in my late twenties, culminating with a couple of really rough winters until I figured out how to at least somewhat control it. Basically, it causes me to be rather tired and lethargic in the winter and sometimes a bit grumpy.

That’s the normal December stuff. This year has been extra special.

For starters, we had a home improvement project that ran long due to inclement weather that ended up pushing a lot of work into December. We hired contractors for a couple of specific things, but we had a narrow window between the contractors where we had to get some things done, so we spent some significant time this month handling home renovation stuff, and we still have a checklist of steps left undone.

On top of that, there was a health crisis in our family that absorbed a lot of attention and worry (don’t worry, everything’s more or less okay).

If you add all of that up, I’ve felt overwhelmed the last few weeks. Even though I’ve been blitzing through to-do lists and actually taking care of what I need to take care of, I still feel almost crushed by the enormous number of things still left undone.

This presents a few things worth talking about from a financial perspective.

First, there are definitely some costly ways I could de-stress and not feel overwhelmed in the short term. I could retreat into a hobby. I could retreat into a vice. I could retreat into retail therapy. There have been moments when all of those have seemed deeply appealing.

The truth is that they would mostly just cost me time and money. Retreating into a hobby would definitely cost me time and possibly money. Retreating into a vice would cost me a bunch of time and a bunch of money. Retreating into retail therapy would cost me some time and a bunch of money. None of those help get me through this challenging period. None of those remove the problems. They just simply delay them and make me not focus on them for a short period.

The thing is, if I just want to focus on something else for a short period, there are countless free ways to do that, ones that aren’t financially destructive. I could play a smartphone game. I could read a book (I’m in the midst of a big fat novel that I’ve barely touched in a few weeks, sadly).

Better yet, there are ways to retreat for a while that actually refresh me, make me feel genuinely better, and set me up to be able to handle the stresses of this current time. I could take a nap. I could get some intense exercise (seriously, my taekwondo classes have been a lifesaver the last few weeks). I could meditate. I could write in my journal. All of those things are incredibly good at clearing the mind rather than clouding it and they add a lot of clarity to what’s going on right now. I feel refreshed and renewed when I do those things.

Second, it is really easy to feel overwhelmed by a to-do list that’s too long, but part of that challenge is bad prioritization. This is a bit of a time management hack, but it’s something that’s kept me sane and able to focus on the task at hand without making a lot of costly mistakes.

Basically, at the start of each day, I’ve been doing a quick brainstorming session where I make a list of everything I’d ideally like to do today. This comes both from my ongoing to-do list manager (Omnifocus) and out of my head.

This paragraph only makes sense if you use Omnifocus or another task manager, so skip it if you don’t. What I do is tag everything that I want to do today with a “today” tag. Then, I have a perspective set up so that I can see everything tagged with “today.” I go through that list and tag everything with “priority 1” or “priority 2” or “priority 3.” I then switch to a perspective that requires both the “today” and “priority 1” tags and that’s my to-do list for the early part of the day. When it’s empty, I switch to the perspective that requires both the “today” and “priority 2” tags. When that’s done, I switch to the perspective that just has the “today” tag and try to clean it up.

Essentially, what I’m doing is thinking about all of the stuff I have to do, deciding what four or five truly important things need to be done today, and do those first. Everything else has been judged as less important, so I do those later in the day once I have the actual important things done.

See, part of the problem I always have with being overwhelmed is that I’ll end up going down a rabbit hole of relatively unimportant tasks while leaving genuinely important things undone. As the actual important things build up and the due dates come closer, I start to feel seriously stressed out and that’s when I end up making mistakes.

Third, delegating tasks to others is really useful, but it can turn into a crutch with a big financial cost. For example, there’s a local laundry service that offers delivery to your door. They leave a container (or containers… honestly, I haven’t used them yet, but a friend has) on your front step, you fill them up and send them a text, and they get them. Then, two days later or so, they leave your clothes folded and cleaned on your front step. It’s a sweet service that would save a lot of time – I just dump clothes in a container and leave it on my front step and two days later it’s all magically folded and cleaned! – but the cost is pretty steep, as you might expect.

There are things like food delivery or takeout. There are things like gift wrapping services. I could go on and on with examples of services that theoretically save you time at the cost of money.

The thing is, they’re all kind of deceptive in terms of how much time they save you. When I order food, we stand around talking about what we want, then someone has to order the food, then usually someone’s watching out the window for delivery, then we still have to eat and clean up. Alternatively, Sarah or I can whip out a meal pretty quickly – I can have a pasta meal on the table in fifteen minutes with zero help from anyone else – and the cost is a tiny fraction of ordering food. Our typical pasta meal feeds each person at our table for about $1.50 a head (by our math).

The laundry service is similar. The time they’re actually saving me is the time spent dumping clothes into the wash (a couple of minutes), transferring them to the dryer (a couple more minutes), and then folding them, which if it’s done as a group effort, takes five minutes.

The thing is, tasks like meal prep and laundry feel like they take longer than they actually do. Our minds inflate the time and effort required for lots of tasks, which can add to the sense of overwhelm.

My strategy? Keep it simple. As long as you have clothes to wear, let some dirty laundry wait until things aren’t so crazy. Make some super simple meals, like a pot of spaghetti or some simple sandwiches. Put off a lot of little tasks that are honestly urgent but not important, like vacuuming the floor. Don’t sweat “perfect” decoration or “perfectly” wrapped gifts – no one is going to notice or care if a corner isn’t folded well on a gift or if you don’t have great decorations everywhere. Just hang up a couple of important things and make sure the gifts are covered up.

Most important of all, don’t worry about the “perfect” gift for everyone. Just give someone a hug and tell them you love them. That alone will end up meaning more than any material thing you’ll probably give them this year. If someone says, “Merry Christmas,” gives me a hug, says “I’m so glad you’re here,” and puts a beverage in my hand, that’s going to mean more to me than any gift they could possibly give me, and I assume others feel much the same, so I try to pay that forward.

Here’s the key lesson: if you find yourself spending money this holiday season, stop yourself and think more carefully about it. Couldn’t you just prepare a really simple meal instead? Couldn’t you give a simple gift instead of something expensive, and just make sure to give that person a hug and tell them that you love them and you’re glad they’re there? Is the thing you’re worried about actually all that important?

Instead of stressing out this holiday season, just ask yourself if these tasks are really that important in the big scheme of things. Instead of the perfect meal, have something simple. Instead of the perfect gift, hug someone and tell them you love them. Instead of making the house perfectly clean, just tackle the big stuff. Don’t throw money at the problem as that’ll just make things worse in the long run.

And, if all else fails, go do some vigorous exercise, preferably outside, and then take a shower. You’ll feel a lot better.

Good luck.

The post Dealing with Being Overwhelmed Without Financial Missteps Compounding the Problem appeared first on The Simple Dollar.



Source The Simple Dollar http://bit.ly/2SeGv6V

How to Write Blog Posts Faster Without Sacrificing Quality

I write a ton of blog posts.

By the end of 2018, I’ll have published over 150 posts on Quick Sprout alone. Once you factor in the posts on my other websites and my guest posts, that number roughly doubles.

People ask me all the time how I manage to produce such a large amount of quality content.

With all my in-depth and informative guides backed up with good research, people assume it takes me 10 hours to write one post. That’s not the case.

It takes me significantly less than half of that time to do so.

Blogging is like anything else. The more you do something, the better you get at it.

That said, there is definitely a formula behind producing effective blog content.

As a business owner, you recognize the benefits of blogging in terms of SEO, driving traffic to your website, and increasing conversions.

traffic

This graph clearly shows there is a direct correlation between publishing frequency and website traffic. That’s why you can scale lead generation through blogging.

You know you want to publish more content. But there are only so many hours in the day, and you have a business to run.

It’s a common problem I see in my consulting work.

As a result, businesses usually resort to one of two solutions. They either don’t blog as often as they should be, or they rush through writing to meet a certain benchmark. But neither of these approaches are effective.

You need to learn how to write more posts faster without sacrificing the quality of your work.

Use this guide as a blueprint for producing quality content for your blogs. Here’s what you need to do.

Have your blog topics ready

When you sit down to write a post, you shouldn’t be asking yourself what you’ll be writing about that day. This is not an efficient use of your time.

I like to have lists of topics ready for me to choose from.

Spend 30 minutes to an hour once a month coming up with a long list of titles, depending on your publishing frequency.

I usually have lists with 20 or 30 topics at a minimum. Once I start running low, I go through this process again.

Coming up with this many subjects is easier than you think.

I recommend looking at some of your competitors’ sites to see what they’re blogging about. You can use their posts as an inspiration for your own.

You’ll have a big advantage here. Since their content is already published, you can make your posts even better and more informative than theirs.

Take advantage of online tools that will help you come up with new titles to write about, such as the blog ideas generator from HubSpot:

hubspot

Write posts that tell a story about a personal experience.

Look through comments on social media and your previously published posts for inspiration for new ones. Turn other content you’ve already created into a post. Here are some examples of content you can repurpose:

  • YouTube videos
  • podcasts
  • ebooks
  • webinars
  • slideshows

There are tons of opportunities here.

If you’re having trouble coming up with a list of blog topics, refer to my guide on the best ways to come up with new content ideas.

When you do this work ahead of time, you’ll make your writing process much easier. Rather than wasting 15 minutes on brainstorming, you can pull a topic from your list and get straight to work.

Always start with an outline

Starting to write with a blank page, trying to go from beginning to end without a plan, will hurt your quality and productivity.

All too often I see new writers skip the outline process because they think it’s extra work. But the outline will save you time in the long run.

Your outline will give you an idea of the flow of your post.

At a minimum, you should have all your subheaders determined with some notes for each section. But you don’t have to stop there.

The more detailed your outline is, the faster you’ll be able to write.

I like to jot down my thoughts in short bullet points for each section. I can expand on those notes when I’m writing the final copy.

Outlining will also make it easier for you to reach your desired word count. Here’s a look at the average content length for the top results of a Google search:

content length

As you can see from this graph, longer posts have higher rankings. On average, all the top ten posts are over 2,000 words.

You should have a word length range for each post you write.

Obviously, this won’t be exact every time. By nature, some posts will be longer than others, depending on the subject matter.

But let’s say you want all your posts to be a minimum of 2,000 words.

If you’ve got eight subheadings in your outline, you know that each section needs to be roughly 250 words to meet that 2,000-word minimum.

This is a highly effective way to write quality content. It will prevent you from rambling, repeating yourself, and filling the post with useless information.

If you’re starting with a blank page and no outline, you’ll have no sense of how long each section should be or how many sections you should have in the first place.

Using an outline will help you not only write faster but also produce better quality and longer blog posts, which will be great for SEO purposes.

Finish writing in one sitting

Blogging effectively is all about time management. I do not recommend multi-tasking when writing.

Writing posts will require your complete focus and attention.

Put your phone on silent. Don’t check your emails. Stop taking breaks for snacks or lunch in the middle of your post.

Just sit down and write.

It might be taking some of you longer than necessary to write posts because you’re getting distracted by other things.

Here’s a look at the average time people take to write a blog post to give you a better idea of how long it should take you:

time

In just four years, it’s taking bloggers roughly an hour longer to write each post.

You can aim to spend 3.5 hours writing a post, but you can write even faster than that. However, I don’t want you to over-focus on the time right now.

When you start looking at the clock instead of focusing on your work, the quality of your work begins to suffer. Here’s why.

When you hit the three-hour mark with only 70% of the post done, you might start thinking the post needs to be finished within the next 30 minutes. Under such pressure, the quality of your content might start to go down.

So what if some posts take you a little bit longer? It’s not the end of the world.

I write very efficiently, but every once in a while, it takes me upward of four or more hours to write a post.

Am I happy when this happens? I can’t say I’m thrilled. But I refuse to let my quality suffer.

Other times, I’ll knock out a post in 2.5 hours, so it balances out.

You also need to make sure you’re in the mood to write. Find a time of day that works best for you.

People differ in their preferences for writing. I know bloggers who write first thing in the morning while they’re still in bed, others who write at their offices, and still others who write late at night.

No matter when you write, make sure you’re in the right mindset.

If your mind is elsewhere and you can’t focus, pick another time to write. Put it off until you’re mentally able to concentrate to complete the post in one sitting.

Writing a post over the course of several days typically adds at least 20 minutes to each sitting.

Write while everything is fresh in your mind. The words will flow better, and it will be easier for you to work faster.

Conduct relevant research

Adding statistics and relevant data to your content will drastically improve its quality. It gives your audience proof you know what you are talking about.

Plus, citing and linking to authority websites is great for SEO purposes.

However, I see many bloggers shy away from this tactic because they think research is too time-consuming. That’s not the right way to think.

Sure, it may require a little extra work, but it’s not that difficult to conduct a quick Google search.

Including research in your blog gives you something to talk about. You’d be surprised how much easier it is to write about a subject when you have something to reference.

Let me give you an example.

Here’s an excerpt from a recent blog post I wrote about how blockchain is changing the digital marketing industry:

blockchain

By taking the time to conduct some research, I was able to find an image and statistic, which are both highlighted above.

These two pieces of information allowed me to write an entire section.

When you have a reference to help you make a point, you’ll find the words to describe it. A statistic from a recent study may just be one sentence, but you can write paragraphs before and after that one piece of information explaining it and talking about its application.

If you’re familiar with my content, you know I use research and images in all my posts.

Even if this is the first time you’re reading one of my blogs, you can see I’ve used research throughout this post to illustrate my points.

Edit your own work

You don’t need an editor to review your posts.

You can do it on your own.

In fact, studies show that the majority of bloggers don’t use editors for content published on their websites.

editors

Using editors is another example of something I see people do because they think it will save them time. But ultimately, it ends up being inefficient.

If you send your work to an editor, you need to rely on their schedule to get the post finished.

When I write something, I want to make sure it’s done.

You don’t want your posts sitting in limbo waiting to be edited and then sent back for feedback and other revisions. By the time you get those notes back, the topic is no longer fresh in your mind.

Instead of using an editor, put your posts through editing software, such as Grammarly.

You don’t need to make all the recommended changes. Just see whether there are any glaring errors that need to be fixed.

After that, read your post out loud to yourself.

This is the best way to catch any other mistakes before you publish your content. You’ll be able to tell whether something sounds funny and needs to be rewritten.

Depending on the length of your content, editing should take no longer than 10 or 20 minutes.

If you’re using an editor or spending much longer than this, you need to look at how you can improve the efficiency of your editing process.

Conclusion

It shouldn’t be taking you all day to write a blog post. At the same time, you don’t want to write so fast that the quality of your content suffers.

Fortunately, there are ways for you to write quality content at a reasonable speed.

Make sure you have a list of blog topics to choose from so you’re not wasting time figuring out what to talk about when you sit down to write.

Outline your posts before you start writing.

Blogging requires your full attention. Try to write when you can complete a post in one sitting.

Add research, statistics, and images to your posts. This will improve the quality and give you something to talk about.

Don’t use an editor. This will prolong the process. You can do this yourself.

If you follow the tips I’ve covered in this guide, you’ll be able to write high quality blog posts faster than ever before.

By the way, for those of you who are curious, I finished writing this post in less than three hours.

How long does it typically take you to write a high quality blog post?



Source Quick Sprout http://bit.ly/2CsVDb2

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This week's top 10 cheap eats

This week's top 10 cheap eats

In partnership with Vouchercloud.com, Moneywise brings you the top 10 cheap eat offers currently available this week in order of popularity. 

Use these codes to save money on food and drink at restaurants around the country.

1. 30% off food at Bella Italia

Offer ends Tuesday 2 January. Click the link above for your voucher.

2. Buy one & get one free on pizza orders at Pizza Hut Delivery

Offer ends Friday 18 January. Click on the link above to get your voucher.

3. Kids eat free at Giraffe World Kitchen

Offer ends Saturday 5 January. Click on the link above to get your voucher.

4. Kids eat for £1 at Harvester

Offer ends Sunday 6 January. Click the link above for your voucher.

5. 25% student discount off food at Frankie & Benny's

Offer ends Wednesday 9 January. Click the link above for your voucher.

6. £5 off bottles of fizz at Chef and Brewer

Offer ends Tuesday 8 January. Click the link above for your voucher.

7. 25% off mains at Loch Fyne Seafood and Grill

Offer ends Sunday 30 December. Click on the link above to get your voucher.

8. £2.50 off first two orders at Deliveroo

Offer ends Monday 31 December. Click the link above for your voucher.

9. 10% off orders at Twinings Teashop

Offer ends Monday 31 December. Click on the link above to get your voucher.

10. 2 for 1 on cocktails at Belgo

Offer ends Friday 8 February. Click the link above for your voucher.

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Source Moneywise http://bit.ly/2R9BrDh