Top 10 Cutest Kittens on Youtube

The Top 10 Cutest Kittens on Youtube is a video that last 9 minutes and 23 seconds. Although many people enjoy these videos I think there are other ways to spend 9 minutes ans 23 seconds.  In the same amount of time I’m going to brainstorm, write this blog and suggest 10 things you can do instead of watch cute kitten videos.

The most amazing thing is the number of viewers that watch this. I wonder if all those people who watched the whole video actually thought of anything else they could be doing. (Just over seven million!)

 

Ten Things (that can be done in the same amount of time)

  1. Drink a couple of glasses of water ; the body is made mostly of water and more water is good for you.
  2. Start a retirement plan
  3. Plant some seeds of some plant; more oxygen in the world can’t be bad.
  4. Go for a short walk; it is healthy and it clears your mind
  5. Call someone you haven’t talked to in a while just to say hi.
  6. Do a quick check of your bills (this helps keep you from getting late fees; you can even set up a calendar reminder to do it monthly)
  7. Read a chapter of a book you’ve been wanting to read
  8. Take a power nap – sometimes a quick charge of your batteries keeps you going
  9. Change your light bulbs to LED (see the impact – bottom of the post)
  10. Write a blog post about things you could do in 9 minutes and 23 seconds (or even better create your own list!)

Have a nice day and do something in 9:23….

Beating the Amortization Schedule

Buying a house is exciting. Most people get mortgage to purchase a house. For most people buying a house is the most expensive purchase in their lives. Most people don’t understand what amortization is. This begs to ask the question “If the biggest factor of the biggest expense is not understood, how can you reduce that expense?”

If you play a board game you need to know the rules to be able to play and you need to know what is required to win before you can develop a strategy. When purchasing a home via financing wouldn’t it be in the in your best interest to understand the rules and apply it towards your goal.

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Low Hanging Fruit – Credit Cards

In my previous article I went over some low hanging fruit items including ask for a lower credit card rate on your current card. That is an OK kind of tip but, it was thin. So in order to thicken up the help on this I wanted to break this down a little deeper. If you know a little bit about the credit card company and how they make money you can be better prepared when you ask for a new rate.

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Give Yourself A Raise

Would you say yes to a raise if your boss offered you a raise?  Everyone I’ve spoken with throughout my life would say yes if they were asked. Of course there will be some people who will say no but, I have not found them. Why would anyone want a raise?  Speaking for myself a raise would give me more choices. Depending on the amount of increased cash flow would determine choices that can be made.

You are the boss of you; so ask yourself “Do you want a raise?”  If you can answer yes keep reading. A raise is basically money that you get with little or no lifestyle change. A raise gives you more free cash if you keep your spending the same. A raise is thought of as an increase of income. What if you decrease your spending with no increase of income? This has the same effect with more free cash.

I have heard people say then “I have to live like a monk and cut out all the fun stuff when I cut my spending.” The only question that should be asked then is How do I decrease my spending without changing my lifestyle? If you can answer this question then you can give yourself a raise.

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