6 Small Business Time Management Tips to Increase Productivity

time is moneyIf you’re in the process of starting your own business, you may feel like there isn’t enough time in the day to get everything done. To compound matters, for a small-business owner, every minute that ticks on the clock represent dollars – either earned or wasted.

Does that sound extreme? Consider this: In a study conducted by Microsoft, researchers found that workers used only about 60% of their available work time. That means that out of a five-day work week, they were productive only three of those days. Now, apply that to your own business. If time is money, then how would you feel about earning money only 60% of the time that you spend at work?

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10-Step Plan for How to Start a Mobile Food Truck Business

kogi food truck businessThe idea of “food trucks” used to conjure images of ugly gray trucks that sold unhealthy greasy food and doled out empty calories. Boy, have times changed. Now, popular chefs, successful restaurateurs, and quirky foodies are all getting in on the act.

What were once known as “roach coaches” have become some of the most sought-out food eateries in major cities. If you’re looking to start your own small business – and you don’t want to go the traditional office or storefront route – then you might consider starting a food cart or food truck.

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Government Small Business Grants for Women – Beware of Scams

business woman happyWe’ve all seen the screaming headlines on Internet search engine results pages or late night TV infomercials: Free Money From the Government! Or Government Has Millions of Dollars in Grants for Women-Owned Businesses!

And while these ads are tempting to believe, the reality is that although the government does offer some special assistance with loans and training to women who run their own businesses, they simply don’t provide grants for small businesses. Don’t be duped!

Here are three of the tricks that scam artists use to lure women into thinking they can get free money. Be on alert if you come across any of these.

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12 Cost Cutting Ideas for Your Small Business to Save Money & Reduce Expenses

cut costs scissorsAs a small business owner, you’re always looking to bring in more business and increase profits.

However, another way to boost profits is by cutting expenses. Even if you’re having a good quarter full of brisk sales, out-of-control costs will quickly eat up your profits.

Avoid the mistakes that other businesses are making. Keep close track of your expenses (using a small business accounting tool like Ouright) and cut them every chance you get. Your competitors might overlook some of these expenses, but you won’t.

Hiring Staff

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4 Best Free Educational (and Fun) Apps for Kids to Manage Money

parents kids smartphone appsImagine what the world would look like if kids learned at a very early age not only how to handle money, but how to make the most of it. I imagine a diminished U.S. national debt, paid off cars and mortgages, and no such thing as credit card debt.

But that education would have to start early, and since not many of us had the luxury of learning the ins and outs of money while we were still young, that kind of world is still a pipe dream. Today’s kids, however, have the chance to be the generation that builds a more money-smart society. Kids are already learning from educational software programs and kids websites for money management, and fortunately, a few of the best finance apps are designed specifically for kids and their needs. Free and low-cost apps offer great help when you’re teaching your kids about money.

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Modern Home Office Furniture Design Ideas on a Budget – Desks, Chairs, Storage & Shelving

home office kitchenWith an estimated 4.34 million people working from home full time in the U.S., and an additional 11.33 million doing so part time, it’s not surprising that retailers are zeroing in on the home office crowd.

Everyone from office supply stores to home furnishing manufacturers are gearing up to take advantage of this growing homepreneur market. Unfortunately, as demand increases, so do price tags. I was appalled at what I found during a recent Internet search for home office options. When all is said and done, the products these companies are encouraging you to purchase can add up to the cost of a small fuel-efficient car!

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10 Things You Should Always Buy Used Secondhand

buy antiques secondhandWhen you tighten your budget, you may realize that you’ve been ignoring secondhand stores and the value of buying certain items used.

Thrift shops, garage sales, pawn shops and dollar stores are great sources of savings, because there are some things that you just never need to buy new, not even in good times.

Consider these ten items, which are much cheaper secondhand, and you don’t even have to sacrifice quality – or pride.

Clothes & Jewelry

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4 Best Kids Educational Software Programs to Teach Your Kids About Money

kids computerSure, your home computer provides plenty of entertainment and gives your kids a chance to play games or interact with their friends. But have you considered how useful computers are when it comes to teaching kids about finance and how to handle their money?

While it was important for us to learn about money basics when we were growing up, our kids will face financial challenges that we never dreamed of. Luckily, some excellent software programs can help you teach your kids the basics of money management in fun, interactive ways.

Check out these four tools for preparing your kids for the future.

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Top 5 Kids Educational Websites for Learning About Money Management

kid piggy bankWith all the talk of our nation’s financial future, it only makes sense for parents to start teaching their kids about money management as early as possible. Unfortunately, times have changed from the days when all that took was a small weekly allowance and a piggy bank.

Your child will need to understand electronic banking, compound interest, and the importance of being debt-free if they’re going to make it financially in tomorrow’s world. So, how do you go about explaining these things in a way they’ll understand? Thanks to the Internet, the perfect teaching tools for your kids are only a mouse click away.

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The Psychology of Money – How Saving and Spending Habits are Programmed in Your Brain

psychology of moneyHave you ever wondered why you handle money the way you do? Perhaps you’re a saver and you feel satisfaction every time you look at your growing account balances and displeasure when you need to buy something. Or maybe you’re a compulsive shopaholic, looking at life as something to enjoy, so you buy on impulse and pay little attention to how you’ll survive in the future.

While many people believe that money-handling habits come from parents or caregivers, current research is proving that our habits aren’t just based on conditioning and money management lessons we learned as kids. There are spenders and savers in the same families, kids who grew up in poverty and still develop great wealth, and heirs who blow the family fortune.

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