Business Insider http://www.businessinsider.com/50-best-business-apps-2013-8/business-productivity-1
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Now, the article:
One of the absolute most difficult struggles with getting one's finances in order, if one grew up poor and has no mind for saving or for delayed gratification (how long can I delay already?) The psychology of this is fraught with childhood scars and bad memories. But to get one's finances (and life, in general) in order, this should be the first target of diagnosis and treatment and short-, medium- and long-term planning. The rewards are immense - not just a sense of accomplishment, but actually a sense of strength and having overcome an enormous obstacle. On a practical level, it's like being released from mental slavery (to "get it, spend it.") One of the hardest things to do as an adult, but in some ways, the most critical for personal (and, of course, financial) growth. http://www.learnvest.com/2013/08/are-you-behaving-like-a-poor-person/?utm_source=email&utm_medium=internal
One of the things you should be doing to maximize your money is to get a credit card (which you repay each month - don't get trapped in revolving credit hell!). There are endless cards with rewards programs, many available only with large spending or monthly balance minima and/or high annual fees. Play them off each other - invent offers from other cards if you have to - and negotiate yourself into the rewards program that fits your purchasing habits and maximizes value for you in the best way. Ramit Sethi talks about his technique for this in his book (highly recommended), called I Will Teach You To Be Rich. Check it out. Here are several credit card reward programs that may make sense for you: http://www.learnvest.com/2013/08/credit-cards-with-seriously-sweet-rewards/?utm_source=email&utm_medium=internal&utm_campaign=Tuesday%20One%20Daily%202013-08-06
Also check out NerdWallet.com, creditcards.com/reward.php and any number of others for tips. They want your business!
13 Tech CEOs And Founders Reveal Their Favorite Productivity Hacks To Help You Get More Done-> especially love the one by Roman Grigorjev
Quick and dirty guide to several basic principles of time organization and productivity discussed in this blog: http://www.slideshare.net/egarbugli/26-time-management-hacks-i-wish-id-known-at-20
Prospero's 11 Precepts for Critical Thinking (EXCELLENT): http://www.brainpickings.org/index.php/2013/04/01/aka-shakespeare/?utm_content=buffera66ac&utm_source=buffer&utm_medium=twitter&utm_campaign=Buffer
Great little workshop from the always excellent BigThink Mentor series: http://bigthink.com/big-think-mentor/essential-life-skill-1-focus-and-self-control