Gadgets to Get Organized, Daily To-Dos for a Good Life, and the Truth Behind "Credit Repair" Agencie

Gadgets to Get Organized, Daily To-Dos for a Good Life, and the Truth Behind "Credit Repair" Agencies lifehacker Deadspin Gizmodo Jalopnik Jezebel Kotaku Lifehacker Video index Skillet Two Cents Vitals App directory Gear Gadgets to Get Organized, Daily To-Dos for a Good Life, and the Truth Behind "Credit Repair" Agencies Alan Henry 5/09/16 6:09am Filed to: monday brain buffet brain buffet lifehacker brain buffet learning podcasts media video food health mind hacks quora stackexchange lifestyle gaming video games mac personal finance 4 5 Edit Promote Share to Kinja Toggle Conversation tools Go to permalink GIF Some useful gadgets to get and stay organized, the secret history of Mac gaming, a McDonalds and Chinese takeout mashup, and some tips to live your best life—they’re all on the table in this week’s Lifehacker Brain Buffet. Advertisement Welcome to Lifehacker’s Monday Brain Buffet , a new series where we round up interesting, informative, and thought-provoking podcasts, interviews, articles, and other media that will teach you something new, inspire you, and hopefully start your week off on the right foot. Things You Should Do Every Day to Have a Good Life Personal rituals mean a lot. They can take the edge off of a hard day, keep you in shape, keep you and your family healthy, and make the little irritations bearable—but they can also improve your life in more tangible ways. This Quora thread isn’t packed with anything groundbreaking or you may not have heard before, but it’s a great reminder of the things you can do on a day to day basis to feel better about yourself, and about the world around you—some more poignant than others. Advertisement It starts with a simple question: What are things I should do every day to have a good life? You’ll see things like “exercise, eat healthy, and be grateful for what you have,” which you may expect. You’ll also see more interesting thoughts, like “reflect and appreciate, remember to dream, and embrace your fears.” Here’s one that kind of stuck with me: ‘Keep reminding yourself that this minute might actually be the last minute of your life’ Do this every morning before you start your day. This might seem like a dull, pessimistic attitude to some people. But it is the most profound realisation one can have. Another brief one: Stop ignoring yourself. That one was in the context of learning not to put yourself, your dreams, and your goals in service of your job, your company, or even the people who would rather you put your dreams in front of them and live your best possible life. Seriously, the whole thread is worth a read through, and it’ll start your week on the right foot. [via Quora ] Useful Gadgets to Help You Get Organized We often share lots of little gadgets and tools you can keep on your desk at home or work to stay organized, but this Mental Floss article is packed with 15 fun little products to help with the job. Some of them are just flat out ridiculous (like the cat bank —said by someone who owns one) but others are really useful, like the leaf cable ties or the USB paper towel holder , because your phone is probably on the countertop anyway while you cook, you may as well charge it. Advertisement Sponsored Some of the others are worth a look as well, like the cloud magnetic key holder you can mount on your wall—although we showed you how to DIY something similar not too long ago . [via Mental Floss , thanks Sam!] What You Really Get When You Use a “Credit Repair” Agency All it takes are some unexpected medical bills, or getting laid off at work because of company turmoil, to turn your steady stream of income into rushing rapids of despair, wreck your credit, and rack up debt. So-called “credit repair” services sell you on the idea that they can help, but what do you get when you actually contract one? Advertisement This thread at StackExchange offers some answers for the curious that you may have suspected: Repairing your credit takes time. Companies that offer to do it for you (for money) generally succeed mostly at getting money from you. Nonprofit agencies will help you with advice and encouragement and will not want money from you. They may be able to help you apply for a consolidation loan, but to be honest that is rarely the best first step. Over time, you need to: stop accumulating debts (live within your means) pay back all your debts, possibly with a consolidation loan that has a lower interest rate get and pay off a small debt to prove that you can The last step may happen months or years after the first two. it may be tempting to seek out help from someone offering to throw you a lifeline, but that lifeline may actually wind up being just another drain on an already bad situation. Similarly, we’ve discussed the pros and cons of consolidation loans before —they’re not for everyone, but the OP makes a good point—once you’re in a better financial position, proving you can pay off debt will go a long way to helping repair your credit. [via Stac