We all have apps and services we use every day to get things done. I don’t mean things like Facebook or Twitter. I mean things that really do help achieve a goal, not distract from it. So I wanted to share with you the apps and services that I depend on most. One of the biggest criterion for me is the accessibility of the app or service – it needs to be available just about everywhere and at any time. So here they are, my 7 most loved apps.
Remember when we were kids and the most exciting part of the week was getting those few dollars of pocket-money? We’d eagerly wait for the sweet cash to touch our paws and then BAM! We were off down the street to the nearest candy or ice cream store.
Ahh… those were the days…
Seriously though, what happened to us? When did we decide that we don’t need pocket-money anymore? Was it when we grew up and were burdened with the responsibilities of paying bills on time? What a drag. I want candy, damn it! Don’t you?
The world of “grown ups” is littered with responsibilities. One of them, the one that constantly rears its ugly head over and over again is that of bills and finance. It seems like everyone wants a piece of us, that we are working just to pay the next bill. Every service provider you have – electricity, insurance, mortgage, phone etc – issues a bill to you at different times. This makes it seems as though there is always some bill that needs to be paid, and this sits in the back of your mind, eating away at you until the dreaded due date arrives. Then you might realise that it hasn’t been paid yet and scramble to make a payment before you receive another lovely letter in the mail letting you know that you now owe more money as a “administrative fee” to handle the late payment (it baffles me how some companies can justify such exorbitant late fees… for what?). And what if your simply unable to make a payment?
In past posts I’ve shared how to get in control of your money and how to plan your money for the future and hinted at the best system to help you get there is YNAB. Here I will share with you exactly what YNAB is, how it works and why I love it so much. The name YNAB stands for You Need A Budget and unless you’re already living the dream you probably need to manage your money some how. Many people (myself included) look to productivity blogs such as this typically don’t have amazing money handling skills. I’m a spender. I love technology, video games and gadgets, these are normally expensive items so handling my money was always a problem. I had tried budgeting before, but I could never get it to stick. I would spend an evening creating some average looking spreadsheet with expenses and then allocate an amount to each, but three things wouldn’t work for me:
- I would never open the spreadsheet up again
- The spreadsheet was never accurate
- I hate spreadsheets
It’s time to talk about money and financial freedom again. I’ve previously written about getting back in control of your money, and now I’d like to share with you how I have learnt to take the next step and “fill the big bill bucket”. The problem is this, and we all know it. You’re plugging away, working your job through the week, taking your family out on the weekend, enjoying being with your friends and then, one day, quite unexpectedly, you receive one of those annoying letters in the mail. Those stupid little letters with the little window. What happens next is usually one of two reactions:
- Shock. You fling you arms in the air and run around your letterbox yelling and screaming in a panic.
- Stunned silence. You simple can not believe what you’re holding in your hands. Surely, this cannot be true!
It might seem strange to see a post about money on a productivity blog, right? Well, I believe the two are connected. By becoming more productive, your are in a position to better your finances. And by having your finances under control, you can be more productive elsewhere. When you have a mountain of bills to pay, credit card debt piling up, and a home loan, or rent, to worry about the stress quickly piles up. And then theres all the “other” expenses to consider such as insurances, activities and entertainment, education, and the list goes on… and on.
If you’re like me, whenever you start to think about all the expenses you have in your life you start to curl up into a ball and rock back and forth on the ground. The immense weight and responsibility of being a “grown up” is crushing, but there is absolutely no escape. Well, almost.
Wouldn’t it be great if you didn’t have to worry about all those bills and expenses? Wouldn’t it be amazing if you knew, if absolute certainty that they were all taken care of? Wouldn’t you feel lighter, happier and more confident and be able to take on new challenges with gusto? You can, and here’s how!