Getting to zero might be the smartest way to create an effective home budget. With zero-based budgeting, your income minus what you spend and save each month equals zero. Besides living expenses, you can assign money to pay off debt, contribute to savings and investments and set aside some just for fun until your available money is down to zero. Source Link
For the most refreshing daytime nap, remember these three L’s. Plan your nap for no later than 2 pm to avoid interfering with your body’s normal sleep cycle. Limit your nap to no more than 30 minutes to avoid falling into a deep sleep and find a location that’s dark and cool but don't worry about having a flat surface because an easy chair or reclining your car seat will work fine. Source Link
Why should you have a will? Everyone needs to communicate end-of-life preferences to their family, whether or not you have a lot of money. A will can make clear your wishes about finances and property distribution so your family won’t have to spend countless hours with probate courts and attorneys. Source Link
