Every day your work gets interrupted by emails, phone calls, and conversations with your boss. To work with focus, instead of reactively, start your day by deciding the three things you want to get done each day.

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You don’t learn everything about money at once. Most of us take a series of steps in the right direction until we finally feel in control of our finances. If you’re not sure what steps to take, Credit.com has a monthly guide to help you get started.

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Web: There are a million ways to track your habits, but Daybook takes a very simple approach. You add the habits you want to build, then click a counter each time you do the activity and that’s it. No dates, no stats, nothing fancy.

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If you’re one of the lucky few who managed to hold on to Verizon’s unlimited data for years, you know the company hates it. Now, they’ll start booting you if you average more than 200GB of data a month.

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For some, the winter is a magical time of year. For others like me, it’s a gloomy, cold, darkness you just have to wait out. But there’s a better way to get through winter. A mindset that involves embracing the unique aspects of the winter months. Enter the Danish concept of “hygge.”

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