Miranda Marquit

Rather than forcing you to figure out how to invest your money, you can set up your account and Betterment will use your risk tolerance and modern portfolio theory to put together an account that works for you. Next, use the money in the cash reserve account to pay off the credit card and move on. In any case, the idea is that you have the ability to move my money around fairly easily with Betterment and use that money to meet different goals. If you want an easy way to start investing for different goals, and you don't want to tinker a lot, Betterment can be a solid way to move forward and make the most of your money.

This is why I wanted to help you get your money right to create your dream lifestyle. … What exactly do you want your dream lifestyle to be? What this means is that you have to push through the boring phases and try to fight off distractions as you work toward that dream lifestyle. I always find myself referring to this Seth Godin quote when I'm stuck: Instead of wondering when your next vacation is, maybe you should set up a life you don't need to escape from.

Know what you want out of freelancing Begin by figuring out what you want out of this whole freelancing thing and set a few goals. If you want to build over time, on the other hand, and you're more interested in being fulfilled as a writer and eventually making money, write what you love and want to write about. You can start freelancing as a generalist, writing anything to get paid, but eventually, you want a niche — preferably one that can make you money. However, if you don't need money immediately, and if you want more interesting stories based on what you like to write about, pitching can be the way to go.

There’s nothing wrong with making New Year’s resolutions. I stopped making New Year’s resolutions a few years ago. like about the idea of New Year’s resolutions is the implication that you do it once a year. We all know, intellectually, that you can make new resolutions and set new goals and start over at any time.