7 Free Apps to Help You Stay on Budget

Managing money is a skill that needs to be developed early in life. And yet, it is not something usually taught to young children and teens in schools. For some, money sense comes as they enter adulthood or sometimes even later after that. Building wealth and working towards financial freedom are among the top goals people have. Staying on budget and keeping track of finances are some of the building blocks that will help in achieving money goals. Whatever your financial goals may be, there are tools and resources that will help you get the results you want. From creating a home budget pie chart to budget-tracking and more, here are some of the best apps that will help you manage your finances better.

1. EveryDollar (iOS, Android)
For: Budget and financial planning. It helps you build a budget based on your monthl income using different expense categories that you can customize.

2. Expensify (iOS, Android)
For: Business travelers and other users who want to keep track of expenses to make it easier to create expense reports.

3. Mint (iOS, Android)
For: Personal finance management. This app helps you keep track of your overall state of your finances.

4. Mvelopes (iOS, Android)
For: Know where your money goes by keeping track of daily spending.

5. PocketGuard (iOS, Android)
For: Bank account, tracking, and money management rolled into one.

6. Unsplurge (iOS)
For: Saving money and keeping track of your savings goals.

7. Wally (iOS, Android)
For: Personal expense tracking. It is also designed to make it easier to keep track of saving goals and the amount of money you have already saved.

How Opting for Wood Can Help You Save Money


wooden-infrastructureNowadays, when it comes to money, even buildings made of wood are a better choice for the future compared to structures made of other materials. That’s because wood construction doesn’t require expensive technology. Wood planers and sanders have come a long way ever since they were invented and they have cheaper price tags than ever before.





To save money, a lot of families are even picking up their own loads directly from the woodlot now. After all, an energy-efficient wood stove for heating can save about 10 to 40 percent annual heating costs compared to using fuel oil, electric, or gas furnace. Using wood is an excellent way to avoid burning a lot of money.

When you use wood at home, you can also save money on heating equipment. That’s because wood has a natural resistance to electrical conduction once dried to standard MC (moisture content) levels. This makes the material excellent at keeping a room warm. And this also means you don’t have to pay for a heater or another equipment to keep you from getting frozen.

DIY and Home Improvement Projects

WEN-6550-300x262When you use wood as a building material, you save money because you don’t have to worry much about the beauty. There are tons of species available, and wood represents a broad range of beautiful designs. All you need is a planer and a sander, and you’ll be able to make your project look good and natural. This means you don’t have to spend a lot of money making your projects look naturally aesthetic. Wood already is artistic on its own. A few polishing is all it takes to showcase its beauty.



Wood is also sustainable, unlike metals or concrete. Wood can be grown and regrown through natural processes. When wooden objects are discarded, they won’t be considered waste too. That’s because they can break down more quickly compared to metal, plastic, and concrete, enriching your soil in the process. How cool is that? It can even be used as a composting material in the end! That will save you money on fertilizers too.


So you see, when you opt for wood, you can save more money than you think! Just remember to plant more trees than you’ve cut to help the environment cope up with its health problems.

Save Money by Owning a Welding Machine

Did you know that there are budget picks you can choose from if you want a welding machine? If you didn’t, well, now you know! You might think getting yourself a welding machine would cost you more compared to when hiring someone else to do the welding job for you. This article will wake your senses up and tell you otherwise. Read on and be convinced.

Three reasons why it’s better to own a welding a machine:

You don’t have to think about rental fees.

SUNGOLDPOWER 200Amp TIG ARC MMAWhether you’re going to hire someone to do the task or rent a machine, it’ll still cost you more than when you have your own. This is especially true if you always have to use a welder. Rental fees for machines, for your info, can cost hundreds of dollars. Some will even be charged on an hourly or daily rate. And if you’re a beginner, you’re going to be on the losing side. That’s because it could take you more time figuring your hand position out and trying to perfect the technique. But if you own a welding machine, then you could spend hours figuring things out without having to worry about additional fees—just your electricity bill. Purchasing one would be a lot better because it’s also available anytime you need it. You’ll also save time and effort picking it up and returning it.

Owning one can reduce welding costs.

save-money-cashAm I serious? You’re darn right I am! You can lower your costs if you have a welding machine! No longer will you have to pay the rental fees, which means you can use it longer and finish more welding tasks.

When renting, you also have to consider that a newer or fancier machine would be priced higher compared to an older one with fewer safety features. And if that’s the machine you need, you’ll be left with no choice but to spend more money. Imagine if you just own one! You could make the costs more affordable. Not only will the machine be available anytime, but it would also even lessen your welding costs. I’m telling you, investing in one would be more beneficial than renting in the long run.

You can be sure of the machine quality.

Campbell Hausfeld WS099001AV

Welding machines for rent may be in poor condition. You’ll never know unless you’re the one using it. Some parts could need replacement, and if you’re unlucky, it could be in your hands when those parts scream for substitutes. If you own a machine, you won’t have to pay for the repair or replacement of a welder you don’t own. You can save a lot of money on repairs as well since you’ll know how to handle your welding machine properly.

Increase Your Productivity with Coffee

These coffee benefits will make you want to purchase a coffee maker for your office!

Learn faster

Did you know that coffee can make you gain knowledge faster? No wonder a lot of entrepreneurs, writers, and video editors love coffee! Whatever it is they’re trying to learn fast, they can do it with coffee. Plus, a cup of coffee can even help you make sound decisions, innovate, and entertain new ideas.


According to studies, 200 milligrams of caffeine can help coffee drinkers identify words and phrases faster compared to those who don’t drink coffee. What are you procrastinating for, then? Check out the reviews of espresso machines that cost under 200 bucks, and make your own healthful cup of coffee now!

Be more alert

Enhance your mental performance with a cup of coffee by your side. Increasing your productivity levels in a dull office is challenging. But don’t worry, caffeine can kick out the drowsiness from your brain by blocking adenosine, the compound that makes you sleepy and tired.

Drink black coffee to make your mind alert. It won’t be bad for your health if you take it in moderation. Research shows that a person should only drink a maximum of four cups a day. After all, too much of anything isn’t advantageous for your mental and physical health.


If you need to finish a lot of reports or your deadline’s coming up and there’s no time to relax, you better trust coffee to keep you awake and enthusiastic. A cup of coffee can boost your creative mind too, you know. So if your task needs you to be creative and imaginative, coffee can help you as well. It’ll help your mind be in the best shape it should be regardless of whatever it is you’re trying to finish. Plus, coffee has been proven to improve memory skills too, so not only will you be alert and creative, but you’ll also be good at familiarization.

Boost your energy

coffee-forty-five-percentWe all know you can’t be productive if you’re physically drained as if a huge truck of coffee beans buried you to the ground and you can’t move a muscle. Well, coffee is the solution. Coffee can also give your physical body an energy boost, which means you can have better reflexes to take over any task that may require physical effort apart from mental effort. Coffee is even loved by athletes who train such as cyclists, because they know that coffee can stimulate their energy levels before, during, and after training. It’s also recommended for those who go to the gym. That’s because coffee has also been associated with the improvement of physical motor senses. Whatever it is you’re doing—typing, thinking, working out—coffee can energize your body which will lead to a more productive day at work or at home. If you need to be more productive physically, then drink a cup of coffee or two; it will make you produce results that are better than what’s expected from you.

More about coffee

Productivity with a Robotic Pool Cleaner

Lately, with gadgets coupled with the internet, most of us are stuck with what we shouldn’t be doing. Productivity levels are sometimes low also because we have too many things to do, and the quality of the work we do suffer instead. But thank goodness productivity can be achieved in pool cleaning!

And that’s because of…

A robotic pool cleaner from www.poolcleanerhub.com!


Dolphin-Premier-RoboticRobotic cleaners are so spot on when it comes to cleaning your pool. Productivity is their best friend. These machines roam around your pool—from the walls to the floor to the stairs—for less than three hours, leaving you with pristine pool water. You’ll be stimulated to swim a lot more because of your clean pool. Besides, these cleaners now come with intelligent scanners, which means regardless of the shape and size of your pool, it can still clean it thoroughly! It changes its direction automatically, so you won’t have to worry about manually adjusting it to where it should go. You can just leave a unit in your pool and do other more essential chores instead. After three to four hours, you can check your pool and be taken aback by how crystal clear the pool water is. That’s how efficient it is.


Hayward-Poolvergnuegen-896584000020Robotic pool cleaners also promote safety by keeping your water so clean; you’ll use fewer chemicals. These cleaners also boast of their cutting-edge brush technology which allows them to scrub every inch of your pool—removing dust, algae, and pollutants while distributing the pool chemicals evenly. Thanks to robotic cleaners, you can now keep your swimmers safer from the dangers of pool chemicals and dirt.


Polaris-F9550-SportLastly, a robotic pool cleaner is productivity at its finest because it doesn’t require you a lot of time for maintenance. These devices are so easy to maintain; you’ll be able to have more time for other things. Robotic pool cleaners have their independent filtration system, equipped with their own filter bags. This is convenience at its best too! All you got to do is remove the filter, get rid of the dirt, and then return it. Bye-bye, backwashing!

It’s as clear as day. Robotic pool cleaners are the best choice for your pool cleaning activity. It works on its own, requires little maintenance, and is safe. It’s a machine that increases your productivity levels. Surely, there’s nothing more to ask for.

Saving More Effectively With CS:GO Trading


As much as we’d like to deny it, saving more effectively can be quite daunting. Not only will you need to learn how to ready yourself mentally when it comes to setting your priorities in order before anything else, but also emotionally when it comes to enduring what is deemed unnecessary in order for you to keep setting your priorities in order before anything else. But you know what?

As much as we’d like to deny it as well, saving more effectively can be quite delighting. Not only will you have to learn how to ready yourself mentally when it comes to setting your priorities in order before anything else, but also emotionally when it comes to enduring what is deemed unnecessary in order for you to keep setting your priorities in order before anything else. And you know what?

There’s more to saving more effectively than those mentioned above, especially when it concerns CS:GO trading and especially those you can find on cstrading.com.

You see and unlike what some people may think about 2011’s Counter Strike sequel, trading with it is not just about remembering what it’s like for Counter Strike during its glory days. It’s also about remembering that Counter Strike is still there to provide fun and excitement, even for adults who were born in the 1980’s.

But of course, it all comes down to remembering to save more effectively by simply allowing yourself to earn more – and yes, from what you find fun and exciting to do like that of playing CS:GO.

Because indeed, there’s more to saving more effectively than those mentioned above.

And you know what?

There’s even more to saving more effectively than those mentioned above, especially when it concerns CS:GO trading and even those you can find on the same link mentioned above.

You also see and unlike what other people may feel about 2011’s Counter Strike sequel, trading with it is not just about applying what it’s like for Counter Strike during its glory days. It’s also about applying that Counter Strike is still there to provide fun and excitement, even for teens who were born in the 2000’s.

And of course, it all comes down to applying to save more effectively by simply allowing yourself to earn even more – and yes again, from what you find fun and exciting to do like that of playing CS:GO.

Because indeed, there’s even more to saving more effectively than those mentioned above.

How about you?

How do you save more effectively? How do you also save more effectively with CS:GO? How do you even save more effectively with CS:GO trading?

Share how with us in the comments section below!

How To Be More Productive


Contrary to popular belief, being productive is not that hard.

For some people, it could be due to them having the right kind of work and the right kind of lifestyle. For other people, it could be due to them getting enough rest time after a long day and having enough recreation time after a long week.

But you know what?

There’s more to productivity than just having the right kind of work and lifestyle and getting enough rest time and recreation time.

You see, to be productive is to be:


To be productive is to be grateful – not just for waking up each morning, but also for having the chance to do what you are supposed to do every single day. Even if you’re just a part time office cleaner or a freelance customer service representative, you must still be grateful for every opportunity given to you as you develop your skills and expand your knowledge.


To be productive is also to be appreciative – not just for those people who helped you get back up on your feet, but also for those people who caused you to fall down on your feet. Even if you’re just a low-income worker or a no-income volunteer, you must still be appreciative of those who are working hard just like you do and those who are helping others just like you do.


To be productive is even to be yourself – not just for what you are capable of, but also for who you are. Even if you’ve had a bad experience before or you’ve caused someone a bad experience before, you must still be yourself to become who you are truly meant to be and to become a better person than ever.

Do you agree with these points? Let us know in the comments section below!

Top 10 Cities in the World for Quality of Life

In its 2016 Quality of Living Index, Human Resources consultancy firm Mercer revealed which countries in the world rank high on quality of life. Here are the top ten cities on the list and some highlights on what make them great places to live in.

1. Vienna, Austria
Top reasons to live here: Stable economic and political system, top notch educational system, culture, excellent public transport system, safe, beautiful scenery, nature destinations, clean environment, Viennese cafes and vibrant coffee culture

2. Zurich, Switzerland
Top reasons to live here: Thriving economy, stable political condition, safe, multi-cultural, quality education, excellent transport network, scenic city, picturesque towns, breathtaking natural scenery, and top quality chocolates and watches

3. Auckland, New Zealand
Top reasons to live here: Good quality of life, excellent educational system, fairly low cost of living, stable economy, safety, spacious housing, stunning views and scenery, picturesque countryside

4. Munich, Germany
Top reasons to live here: Good public transport system, safe environment, quality educational system, beautiful scenery, art, architecture, music, culture, beer

5. Vancouver, Canada
Top reasons to live here: One of the most beautiful and relaxing cities in the world, thriving economy, clean city, great educational system, high employment rate, shipping hub, breathtaking scenery, green spaces

6. Dusseldorf, Germany
Top reasons to live here: Excellent educational system including top notch international schools, fairly low cost of living, green spaces, modern architecture, active lifestyle, beer, fashion and art scene

7. Frankfurt, Germany
Top reasons to live here: Stable economy, excellent transport system, international schools, culture, international vibe, architecture, apple wine, diverse cuisines

8. Geneva, Switzerland
Top reasons to live here: Thriving economy, highly educated population, good quality education, excellent public transport system, safe and clean, breathtaking scenery including, green spaces and nature, chocolates

9. Copenhagen, Denmark
Top reasons to live here: One of the happiest cities in the world, excellent educational system, bike-friendly city, co-housing developments, work-life balance, health and safety measures, impressive childcare opportunities, amazing working benefits, impressive architecture, culture, beautiful scenery

10. Sydney, Australia
Top reasons to live here: Thriving economy, quality education, excellent public transport system, art and culture scene, safe and clean, scenic attractions and nature getaways, active lifestyle

Getting More Things Done to Make Room for Some Personal Time


Many people continue to grapple with productivity despite the wealth of information and growing number of tools develop to address it. Getting things done at the least possible amount of time has long been the goal for people who want to carve out some personal time from the constant busyness. Multitasking and juggling what seem like endless tasks take its toll on performance and wellbeing. Here are some ways to be more efficient with time, accomplish more, and enjoy some personal time.

1. Review and reflect on how you use your time. You need to evaluate how you use your time on a typical day. Determine your peak hours, identify time vampires, and review how much of the important things you accomplish at any given day.

2. Work on one task or project at a time. Avoid multi-tasking. Doing more things at the same time does not automatically make you more efficient or effective. It may even lead to substandard work because of lack of focus or worse it may even cause some confusion and mix-ups. Instead of juggling several things at once, put all your attention and energy on doing quality work on a single task before moving on the next one on your to do list.

3. Organize and prioritize. Plan your day, create to do lists, stick to your schedule, track your progress, schedule break times, and be accountable of your time. Getting organized simplifies the process and adds more clarity to your daily goals. Tackle the more important work first or during your more productive hours. Avoid procrastinating as this can only cause unnecessary delays which only result to needless pressure and stress.

4. Identify and deal with time wasters. Your time wasters could be anything. They could be the emails you check every once in a while, messages you post on social media, random information you end up reading while surfing the Internet, phone calls, and so much more. Manage your time well so that you do not succumb to distractions. Schedule an hour each day for those tasks, either before or after your work.

5. Ask for help or delegate. Asking for help does not suggest any weakness on your part. It just means that you recognize that there might be a better way of doing things, one of which is to ask for support from others. Delegate if you can or ask for assistance on a particularly complicated task.