While frugality is undoubtedly important in personal finance, boosting your savings can also be done by earning more money.
Whether you're self-employed or working for somebody else, your income is determined by three factors.
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A smaller to-do list is less intimidating and more achievable. There's nothing wrong with having a short to-do list if you're getting real work done. Start with your Most Important Tasks (MITs) and limit the list to three items, a productivity tactic popularized by bloggerLeo Babauta .
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