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Geezeo: Money Management With A Perk

Geezeo: Money Management With A Perk

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    Geezeo

    isn’t the newest online money management tool on the block. It’s been around for over a year and a half — an eternity as far as these things go. But the site does have an unusual promotion going on right now, turning basic money management options into incentives.

    Geezeo’s Perks

    The Great Geezeo Bailout includes a whole list of prizes for the site’s users, all geared toward improving those users’ finances. The largest prize is $6,000 intended to cover a few months worth of mortgage payments or help a user get out of debt. But there are other prizes up for grabs:

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    • 12 months of identity protection from Identity Guard
    • $1,000 investment account from Trade Monster
    • $500 lending account from Lending Club

    To be eligible for Geezeo’s bailout package, users have to login into Geezeo between now and March 31, 2009 — and you receive one entry into the sweepstakes for every day you login during the contest period.

    But Is Geezeo Worth Your While?

    It’s all well and good for a website to give away money. But what makes Geezeo any different from the lists of other online money management tools? There are plenty of similarities, of course: once you’ve created an account on Geezeo, you can import the information from your variety of bank and credit card accounts. The site can categorize purchases, helping you to see just where you money is going. And you can easily set a budget based on your goals and your past expenses. But that’s where Geezeo starts to split off from the rest of the pack.

    Geezeo places a huge emphasis on community, drawing a comparison from dieting: for most people, dieting is much easier when they’re on the buddy system. Geezeo holds that the same is true in paying off debt and meeting financial goals. Once you have a profile in place, you can join groups, share goals (and progress) and even take your efforts a step further. You can share your financial confessions on the site — you can share where you’re having problems and get reassurance that your struggles with money aren’t unusual.

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    The Geezeo community is more than a support structure, though. It provides access to tips in specific area and help from both other users — people who have already been in the position you’re working on — as well as from experts who administer groups that cover specific topics. Those experts are full participants on Geezeo, as well. They routinely share goals and confessions of their own.

    The last unusual component to Geezeo is the site’s public feed: it’s a real-time look at what Geezeo members are doing. Whether they’re creating goals, posting questions or making purchases, as long as users have chosen to share their profiles, you can see the steps that they’re taking to get their finances on solid ground. While it may seem on the surface that the public feed is simply a community-building tool, it actually has a lot of value for helping users move forward on their finances. It’s easy to get ideas on how to proceed on your own goals (or even an idea of what your goals might be) by seeing what other people are doing.

    Geezeo’s Security

    I’ve long been concerned with the security of personal finance websites. Handing over pretty much all of your financial information to a website, no matter how many cool tools or perks it offers, requires a little more information. Geezeo has made an explanation of its security measures available on its website. This personal finance site has taken some very reasonable measures to protect information, including using both SSL and SSH to transmit information and storing a minimal amount of data. The security policy even explains that Geezeo’s developers have taken extensive steps (including filtering information out of their system logs) to ensure that even they can’t access a user’s information.

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    Because I’m not be entirely sold on the idea of sharing all my personal information with the entirety of the Geezeo network, I’m comforted by the fact that the site’s security policy specifically states that users’ actual balances are never shared. I also like the fact that Geezeo makes a point of never selling your data to a third party: there are more than a few financial sites that have turned sharing your information — prequalifying you for loans, for instance — into a feature of their sites as well as a main method of monetization. Geezeo does provide a marketplace, where you can browse through financial products, but the decision to do so is entirely up to the user.

    Should You Switch To Geezeo?

    If you’ve been trying to decide on a tool to manage your money, Geezeo is likely to be a good option — and its bailout sweepstakes does add a little extra incentive. If you’ve been working with a particular tool, I wouldn’t necessarily recommend making a switch, though. The important thing about any personal finance tool is whether it works for you: you don’t need an account on every shiny money management website, even if you manage to maintain multiple social networking profiles.

    I know that Geezeo’s social nature isn’t a positive for everyone. If you aren’t entirely comfortable with sharing even a few details with the rest of the internet, you do have the option to keep your information private — and there are plenty of other money management tools that might serve you better.

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    If you have any experiences with Geezeo that you would like to share, please share them in the comments.

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    Last Updated on October 30, 2018

    How to Motivate Yourself: 13 Simple Ways You Can Try Right Now

    How to Motivate Yourself: 13 Simple Ways You Can Try Right Now

    Who needs Tony Robbins when you can motivate yourself? Overcoming the emotional hurdle to get stuff done when you’d rather sit on the couch isn’t always easy. But unless calling in sick and waking up at noon have no consequences for you, it’s often a must.

    For those of you who never procrastinate, distract yourself or drag your feet when you should be doing something important, well done so far! But for the rest of you, it’s good to have a library of motivational boosters to move along.

    Whether you’re starting a buisiness, trying to los weight or breaking a bad habit, you’ll learn how to motivate yourself with different techniques in this article.

    13 Simple Ways to Motivate Yourself Right Now

    Despite your best efforts, passion, habits and a flow-producing environment can fail. In that case, it’s time to find whatever emotional pump-up you can use to get started:

    1. Go back to “why”

    Focusing on a dull task doesn’t make it any more attractive. Zooming out and asking yourself why you are bothering in the first place will make it more appealing.

    If you can’t figure out why, then there’s a good chance you shouldn’t bother with it in the first place.

    2. Go for five

    Start working for five minutes. Often that little push will be enough to get you going.

    3. Move around

    Get your body moving as you would if you were extremely motivated to do something. This ‘faking it’ approach to motivation may seem silly or crude but it works.

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    4. Find the next step

    If it seems impossible to work on a project for you, you can try to focus on the next immediate step.

    Fighting an amorphous blob of work will only cause procrastination. Chunk it up so that it becomes manageable. Learn how to stop procrastinating in this guide.

    5. Find your itch

    What is keeping you from working? Don’t let the itch continue without isolating it and removing the problem.

    Are you unmotivated because you feel overwhelmed, tired, afraid, bored, restless or angry? Maybe it is because you aren’t sure you have time or delegated tasks haven’t been finished yet?

    6. Deconstruct your fears

    I’m sure you don’t have a phobia about getting stuff done. But at the same time, hidden fears or anxieties can keep you from getting real work completed.

    Isolate the unknowns and make yourself confident, you can handle the worst case scenario.

    7. Get a partner

    Find someone who will motivate you when you’re feeling lazy. I have a friend I go to the gym with. Besides spotting weight, having a friend can help motivate you to work hard when you’d normally quit.

    8. Kickstart your day

    Plan out tomorrow. Get up early and place all the important things early in the morning. Building momentum early in the day can usually carry you forward far later.

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    Having a morning routine is a good idea for you to stay motivated!

    9. Read books

    Read not just self-help or motivational books but any book that has new ideas. New ideas get your mental gears turning and can build motivation. Here’re more reasons to read every day.

    Learning new ideas puts your brain in motion so it requires less time to speed up to your tasks.

    10. Get the right tools

    Your environment can have a profound effect on your enthusiasm. Computers that are too slow, inefficient applications or a vehicle that breaks down constantly can kill your motivation.

    Building motivation is almost as important as avoiding the traps that can stop it.

    11. Be careful with the small problems

    The worst killer of motivation is facing a seemingly small problem that creates endless frustration.

    Reframe little problems that must be fixed as bigger ones or they will kill any drive you have.

    12. Develop a mantra

    Find a few statements that focus your mind and motivate you. It doesn’t matter whether they are pulled from a tacky motivational poster or just a few words to tell you what to do.

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    If you aren’t sure where to start, a good personal mantra is “Do it now!” You can find more here too: 7 Empowering Affirmations That Will Help You Be Mentally Strong

    13. Build on success

    Success creates success. When you’ve just won, it is easy to feel motivated about almost anything. Emotions tend not to be situation specific, so a small win, whether it is a compliment from a colleague or finishing two thirds of your tasks before noon can turn you into a juggernaut.

    There are many ways you can place small successes earlier on to spur motivation later. Structuring your to-do lists, placing straightforward tasks such as exercising early in the day or giving yourself an affirmation can do the trick.

    How to Stay Motivated Forever (Without Motivation Tricks)

    The best way to motivate yourself is to organize your life so you don’t have to. If work is a constant battle for you, perhaps it is time to start thinking about a new job. The idea is that explicit motivational techniques should be a backup, not your regular routine.

    Here are some other things to consider making work flow more naturally:

    Passion

    Do things you have a passion for. We all have to do things we don’t want to. But if life has become a chronic source of dull chores, you’ve got a big problem that needs fixing.

    Not sure what your passion is to get you motivated? This will help you:

    How to Get Motivated and Be Happy Every Day When You Wake Up

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    Habits

    You can’t put everything on autopilot. I’ve found putting a few core habits in place creates a structure for the day.

    Waking up at the same time, working at the same times and having a similar productive routine makes it easier to do the next day.

    This guide will be useful for you if you’re looking to build good habits:

    Understand Your Habits to Control Them 100%

    Flow

    Flow is the state where your mind is completely focused on the task at hand. While there are many factors that go into producing this state, having the right challenge level is a big part.

    Find ways to tweak your tasks so they hover in that sweet spot between boredom and maddening frustration.

    Easily distracted and hard to focus? Here’s your solution.

    Final Thoughts

    With all these tips I’ve shared with you, now you know what to do when you’re feeling unmotivated.

    Find your passion and develop a positive mantra so when the next time negativity hits you again, you know how to stay positive and motivated!

    Featured photo credit: Pexels via pexels.com

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