The Following Financial Tips Can Help You Keep To Your Budget (Each and Every Month!)

It’s pretty typical for there to be a bit of fluctuation in outgoings each month. After all, when the kids are off school, you can end up spending a bit more on days out, and then there is the uniform to pay for when they go back! However, even these fluctuations are no excuse for not spending the budgeted amount or less each month, something that the advice below can help you with.

 

Save on groceries.

One tactic that can make it a lot easier to keep to your budget each month is to save on the grocery shop as much as possible. Luckily, there are many smart ways of doing this including planning your meals, so you only buy what is necessary, as well as using coupons to get a reduction in the cost of your overall shop.

Of course, you can always get a bit more serious about your couponing if and start a stockpile and save even more money. Although you don’t have to be a potential start of the next Extreme Couponers, show to get the cost of your bills down.

 

In fact, if you commit pureeing and freezing fruits and vegetables just before they go off, instead of throwing them away, you can then use them in cooking and for soups at a later date. A strategy that can save a fortune, and is one that will ensure your family has plenty of healthy food to eat too. Something that makes it the perfect way to save on your grocery bill.

 

Save on interest payments.

Next, to keep to your budget each month it vital that you ensure you are not paying out for things that are unnecessarily. Of course, you may not even realize that you are doing this, especially if you are being charged high-interest rates because your credit score is poor.

Luckily, you can repair your credit score, something that you may need to remove late payments from your credit report to do, or even re-age your account. Topics that you can find out more about online or from professional credit repair companies.

 

Always have an emergency fund.

Also, an emergency fund can help you to stay within your budget each month because it allows you to pay off unexpected costs without overspending. This can be especially useful for parents that may want extra funds during the summer when the kids’ need more entertaining.

Of course, it means that you have to set up this fund in the first place, and it can also be useful to set up a standing order to keep it topped up as well. Something that is well something doing if it can help you maintain a better hold on your money from month to month.

 

Sell what you no longer need.

Lastly, its can be useful to have a clear out of the kids old clothes and toys, periodically and then sell them online. After all, not only are you creating more space in your home and getting rid of clutter, but you will also be reclaiming some of the cost of the items which can be reinvested into your emergency fund and help you to keep your budget, each and every month.

 

 

 

Easy Ways to Make Extra Money Online

Time and money are two things we all wish we had more of. But the truth is, time is much more precious than money, because once it passes you by, it’s gone forever. As for money, at least you can create it and recreate it- if for some reason you lose some of it. Lucky for us, there are numerous ways to earn extra money online. Here are a few:

Blogging

If you have a knack for writing- thrown in with some handy SEO skills- then this is a good avenue for you to take. You can get paid through affiliate marketing- you promote a company by adding their link on your site, and get paid a commission whenever anybody clicks on that link to buy something from the company’s site. Or, advertisers may contact you directly for paid posting opportunities.

Online gaming

Now you don’t have to drive to the casino and play inside a room reeking of the smell from cigars. You can make extra bucks simply by playing online games like poker, roulette and slots. Always remember to exercise discretion when placing bets. You wouldn’t place all your life savings on a bet, would you? Just be sure to do your homework, and search for legitimate online gambling sites.

Paid Surveys

Even with just basic internet skills, you can earn extra money by taking online surveys. Yes, companies will pay you for answering a simple survey. You can check out this website called Clixsense, as it covers most if not all paid survey opportunities from various companies.

With the advent of the internet, making money has become easier now more than ever. You can earn extra money while you still keep your day job. A few clicks or taps on your computer or smartphone can now bring you closer to your dreams of financial security.

5 Methods That Help You Improve The Customer Journey at Your Online Store

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The ecommerce industry has made it possible for just about anyone with the time, motivation and upfront investment to start selling online. A variety of popular shopping cart services are available that help users create an online store and process orders. No matter what you’re selling at your online or on your other sales channels (like Amazon, eBay and Jet), your hard work at attracting new customers is going to waste if you’re not creating a positive and memorable customer journey that brings customers back. Use these proven methods and you can improve retention and loyalty.

No. 1: Product Videos

If you don’t have product videos, you are missing out on serious sales volume. As a matter of fact, recent studies find that product videos can increase conversions rates by as much as 174% when a customer watches the video before buying.

Getting product videos in place for your online store isn’t as hard as you may think. There are ample YouTube videos that help you learn how to create a lightbox, and most smartphones have HD video recorders you can use. Some simple video editing software and elbow grease can result in videos of your most popular products, so you can improve conversions across the board.

No. 2: Apparel Sizing Charts

Did you know that apparel is the most commonly returned product that’s purchased online? Apparel has one of the highest return rates of any ecommerce product, averaging around 40%. The primary reason apparel is returned is because consumers can’t try it on before they buy it.

To counter this dilemma, the solution is simple: add a sizing chart to your online store. You can also find a variety of apps (located in the App Store of most online shopping cart software providers) that integrate sizing charts, too. You’ll need to configure the settings first. But doing so can increase conversions by 100% or more.

No. 3: Integrate a Persistent Shopping Cart

What is a persistent shopping cart? It’s a cart that remembers what was added to it. For example, let’s say you start shopping on Amazon and add a few items to the cart, but later bounce away to another website. If you return back to Amazon later, the items will still be in the shopping cart.

Studies find that about 50% of shoppers will webroom – which means they’ll compare products and prices between two or more online stores before buying. If you make the sale easy when they return, you’ll experience a sizable uptick in conversions.

No. 4: Newsletter Signup Discount

Want more sales? Then you need to give your prospective customers and existing base a powerful message. That starts with a great newsletter. Today’s array of shopping cart services providers make it easy to add a newsletter signup to your store, and you can even integrate popular services like Constant Contact and MailChimp to use as your services providers.

But getting people to sign-up is another story. The simplest trick you can use here is to offer them a 10% discount off their initial purchase if they sign-up. Email marketing has an average click-through rate of 5%. New sales could be just a few clicks away.

No. 5: Cross-Channel CRM

Improving the customer journey begins with getting to know your customers better. Today’s ecommerce shopper is scrupulous, which means that you need information about trending products, return habits, shopper behavior and seasonal trends. This is made possible with newer ecommerce CRM software solutions that plug right into your online store and deliver reporting and relationship-building methods from day one.

With the right CRM in place, you can identify key trendsetters and capitalize on them. What’s more, you’ll be able to put a name and face to customers across your sales channels. Tapping into the customer journey can help you find your niche and appeal directly to your target customer base.

Combined, the five methods we’ve delivered to you here are surefire sales increasers for your online store. They’re relatively easy to implement, too. Over time, they’ll prove to be a huge benefit to your bottom line.

Wholesale Purchasing Brings Better Profit For Your Business

Whenever there is good bargains, there will be large crowds. No one can resist a good deal or a good discount. We all want to buy more but spend as little as we can of our hard earned money. Why should we pay more when we can pay so much less? There are so many great bargains and super deals out there. All we need to do is shop around and before you know it you will stumble upon some great deals.

These good bargains usually comes from wholesaler websites. A wholesaler is a company that buys products from the manufacturer at a lower price. The wholesaler will resell the products at a small profit margin. These products are usually much cheaper and more affordable compared to the retailer. These products are sold at discounted price and the price tends to be more competitive.

When buying wholesale products online, we need to buy from a highly credible wholesaler or from a recommended one to enjoy the endless benefits. Wholesalers will not run out of stock, and easier and quicker for customers to restock when the time comes.

For those who are thinking of starting a small scale online business this coming summer, you might be interested in selling sunglasses. All you need to do is find a reliable cost-effective wholesaler that also provides quality products. Buying in bulk or buying wholesale is considered to be one of the most cost-effective methods to gain profit.

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You get to look up the sunglasses on the wholesaler’s website and order the latest and trendiest fashion sunglasses wholesale for your own business or to retail. Besides fashion sunglasses, you might be interested to add to your order cart some other sunglasses such as vintage, aviator, polarized, or classic sunglasses to give your customers more choices to choose from. There are also reading and driving glasses to consider.

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Since you will be selling sunglasses, you may even consider ordering some vintage glasses frames wholesale as there are customers who are only interested in buying vintage frames. No product is complete without the accompanying accessories e.g. strings and cases for the glasses.

Once you become a regular customer, you will get to build a relationship with the wholesaler to pave way for negotiation for a better credit facility. Buying wholesale increases saving and profit. With the extra money from the saving, it could be used to buy more products to save on shipping and handling costs.

Tips For Finding Your Ideal Property

Stewarding Your Resources

There are a lot of ways to go about property acquisition. Let’s start from a universally applicable axiom: you get out what you put in.

If you’re haphazard in your choice of permanent residency, don’t be surprised at the ultimate result of your efforts. Meanwhile, if you prepare the requisite time and choose carefully, you can enjoy the fruits of your labor securely and with diminished stress. Here’s how.

With this in mind, as someone between the ages of 18 and 40, it is reasonable to expect you to be able to find employment in the neighborhood of $3,500 a month after taxes.

Whether it takes working at a fast food joint until you’ve become a manager, opening up your own store, starting a landscaping company, working in construction, climbing the ladder at a department store, or what-have-you, provided you are healthy and willing to work, you can get to $3,500 a month within five years.

The key is the will to succeed.

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Desirable Ratios

 

Try to spend a fifth of what you make back due to upgrade; that’s a pretty secure property investment advice. You might have to take out a few loans, but if you’re careful, you could very realistically sustain annual $10k appreciation over five to seven years after expenses.

And this is all on a $2.5k/month salary. In fact, if you’re frugal, you can maintain your residence for $1k a month, or thereabouts. Call it $1.2k to be safe and include an average ballpark figure. That leaves you with $1.3k for discretionary purposes, like food, gas, vehicular maintenance, insurance, etc.

It’s not unreasonable to assume that you could get by with $1,000 in savings should you have no loans from college or anything weighing you down, and a strategically frugal approach toward a perpetual minimization of recurring expenses.

Still, even in the situation of collegiate debt, you could just use any free cash to pay off your college loans, then finish the job when you sell the property and still have a couple hundred thousand to sink into something else.

 

A Conservative Estimate

 

If you’re pulling in $3.5k a month, that’s $42k a year. Let’s go even less than that. Let’s assume you’re pulling in $30k a year, but want a fine property.

For reference, $30k a year is $2,500 a month (after taxes). Let’s assume you’re 23 years old.

You get a mortgage—you may need someone to sign on with you; a parent or other more financially sound individual is recommendable. There are many ways to go about this. At any rate, the mortgage you get is on a property worth $200k.

You want it to be zoned such that it can be sublet, and you want to sublet it between four people (yourself included) at the rate of $3,333k/month—all of which goes to the mortgage. To clarify, that’s $833.33 per renter, yourself included.

This means for a thousand bucks per person, you get a run of a full house with full facilities—a backyard, a driveway; the works.

Depending on where you buy, you may have more. If you can room with three others who work digitally from laptops, you can buy some cheap properties with extensive amenities in communities who have experienced housing crises like Detroit.

Within between five and seven years’ time—depending on the interest inhering to your mortgage—you’ll have the $200k property paid off free and clear. Now you can sell it, and flip that money into the home you’ve been looking for.

 

Considerations

 

One thing to be careful of in the subletting process is those who you choose to work with. If you’re subletting your property, you don’t want your renters to act as subletters themselves.

First, figure out your budget, then strategize from there.

Establish a financial baseline for buying your first home and never dip below it. In fact, float yourself above it as much as is possible.

Also, if you want to double down on the value you get through this strategy, you want to  upgrade property value. Install a bar in the basement, put in a hot tub, landscape the backyard, add night lighting and a fence, or take down a fence.

Put in new trees and bushes, ensure the grass is green. Paint the home, fix what’s broken and install new appliances as you can.

Have you considered sustainable energy solutions? These increase property value while saving you money. If you’re savvy about where you purchase—because this will affect what you can sell for—you may be able to add some tenable value to your property.

So refurbish the whole thing and put in $5k worth of solar panels you install yourself. If you’re strategic about the property you buy, where you buy it, how you refurbish it, and who you sublet to, you can turn a $200k property into a $250k to $300k property inside six or seven years.

 

A Realistic Aspiration

 

Hypothetically, if you made $2.5k a month, and could budget things tightly enough to afford your regular living as a single individual at around $1.5k a month, you can save $12k a year, or $60k over five years. In seven years, you’re at $84k. If you can upgrade value at $10k a year, you could conceivably come away with $354k in buying power.

If you start this plan at 23, between the ages of 28 and 30 you can be financially free and in full possession of your own home. If you can sustain a job that requires no fixed location, the world is your oyster—and with the internet, that’s an increasing possibility.

 

Five Creative Ways to Give Cash as a Gift

Five Creative Ways to Give Cash as a Gift

Cash is easier than ever to send, even to friends and family who live in a different country. Whether you want to mail an insured package or you decide you want to use a money transfer service, there’s no reason not to acknowledge important birthdays, anniversaries, and events.

It’s true that money is always an appreciated gift, but that doesn’t mean it’s very memorable or meaningful. That’s definitely true if you just slip a $20 bill in an envelope, but with these ideas, the gift of money can be just as meaningful as an expensive present you picked out all by yourself.

Hide Some Cash in an Umbrella for a Rainy Day

This is the perfect gag-turned-real-gift idea for anyone who wants to give money as a gift. Hang bills of any denomination on individual strings inside the umbrella so it hangs down like rain when it’s opened.

When it’s closed, it looks just like a regular umbrella. The recipient will think you gave them the most unthoughtful gift ever, until you tell them to open it!

Fold Money Using Origami Techniques

Origami has been around for hundreds of years, so it should come as no surprise that there are plenty of techniques for folding money. A few designs include:

  • Hearts
  • Fortune cookies
  • Clothing, like dresses, shirts, and pants
  • Animals, like an elephant
  • And more

Disguise It as Something Else

Money is an appreciated gift, but the recipient isn’t likely to spend a lot of time looking at it. Disguise it as something else and you can make sure they spend plenty of time on your gift.

One example is to modify a tissue box by removing the tissues and taping cash together so it can be pulled from the box. You can hide money inside a Pez dispenser, inside a chocolate box, or even inside a pizza box!

Hide Cash in Party Balloons

Balloons are a must at any celebration, so why not make them do double duty by hiding cash inside them!

You can turn it into a fun game where guests who pop the balloons get to keep the cash inside, or you can simply bring over a handful of floating balloons and ask the recipient to pop them at some point during the get together.

Mini Rolled up Money Diplomas Are Perfect for Graduates

Graduation is the perfect time to hand out a little cash. It usually gets stuffed into greeting cards, but why not roll up bills as mini diplomas instead!

Roll up multiple bills of different sizes and place them in a jar. For an even more creative gift, top the jar with a graduation cap.

Giving money doesn’t have to be boring, and it definitely doesn’t have to be less meaningful than other gifts at the party. Not when you give one of these fun ideas a try! Not only will the recipient get the money they want, they’ll remember your gift because you presented it in such a unique way.

 

 

 

 

 

 

 

The Undeniable Benefits of Investing In Gold Bullion

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Many put their money in gold as it provides a stable investment for the future. It is also a tangible asset that can easily be stored in secure facilities or even in one’s home.

With so many options allowing customers to buy gold bullion online at the comfort of their own home, the opportunity is becoming even more realistic. There are plenty reliable websites that offer secure gold bullion such as http://citygoldbullion.com.au/. They offer total independence and privacy as they are not part of any government or institution.

With more and more people investing in gold bullion than ever, if you are still on the fence, here are some great reasons to look deeper into it.

WHY INVESTING IN PHYSICAL GOLD IS A WISE CHOICE

 

A popular belief is that gold investment is actually more reliable than investing in property, bonds or digital currency.  This belief does have some weight to it and there are plenty of practical reasons to doing so. Some of which are:

  • Gold is one of the most precious metals on earth and probably will be for the foreseeable future. It doesn’t have a sell by date and there has always been demand for it.

 

  • Bullion isn’t effected easily by inflation. The value remains steady and consistent generally no matter what the economic environment is. If you want to learn more, you can visit a gold retailer or dealer website.

 

  • Gold has a strong amount of inherent value and is globally of high value. No matter where you go in the world, there is still a strong demand and high price tag for quality gold.

 

  • It’s something physical you can invest in. Unlike the stock market that’s intangible and changes constantly with time, you have something tangible with gold bullion. Once stored in a secure place with insurance, you have complete peace of mind. Your gold keeps its value until you choose to move or sell it.

 

  • It’s a simple investment. Buying gold is easy and can come in whichever format you wish. Another pro is gold’s indestructible nature and the fact it cannot be created. Therefore, as it is mined, there is still a relatively long process in digging up gold and getting it ready to be sold. This means owning some is an easy way for you to own something of high value without having to put in much effort.

 

  • It’s tangible. Once it’s yours, you can touch it and do as you wish with it. There are no limits and unlike other methods of investment, this is unique to gold and other precious metals.

 

As you can see, there’s a great deal of benefits that come with investing in gold bullion. Doing so can bring plenty of rewards beyond financial gain and is well worth considering if you are looking to invest.

Why Freelance Writing Might Be the Best At-Home Job for You

What does the American dream mean to you? For most, it’s the option of being their own boss without the hassle of deadlines and work-related stresses. Many people know that they want to be something more than the 9-to-5 desk jockey. They want to have creative freedom, imaginative flow, and the ability to make an impression and an impact, while caring for a home and a family. If this sounds like you—perhaps a full-time career as an at-home freelance writer would be your best profession.

You Are Your Own Boss, Within Reason

When you’re a full-time freelance writer, you are, essentially, your own boss. You take contracts you want from clients you approve of and write the content that you want to write. However, this comes with limitations. To make an actual living as a full-time freelance writer, you have to be a disciplined boss to yourself. Set a schedule, stick to a routine, and strive to make a certain amount of income each day.

You Set Your Own Schedule

Schedules are important, regardless of the lines of work you do. For freelance writers, schedules revolve around sleep, kids, care of the home and loved ones, and other important life stuff. You have to be both flexible and strict. Make a routine, but have a back-up plan that you can stick to. Without a schedule, you’ll fail to make enough to live off of that allows you to work 100-percent from home.

Your Earnings Depend 100-Percent on Your Hard Work

As you become well-established in the freelance writing profession, you have the opportunity to make more money. However, you get out what you put in. The harder work you throw into the proverbial writers’ pools, the better your chances of making a viable living as a full-time, at-home freelance writer. Your earnings are 100-percent dependent on your dedication.

A Negative or Two:

Like any profession, regardless of where you go to make money, comes with a few negatives. Being an at-home freelance writer, for instance, has a few negatives, like:

– You have to earn your reputation. At first you will take very low income projects to gain a reliable reputation in the writer communities. After months, even years, your reputation will be good enough to accomplish higher-paying projects.

– You don’t always get to write about what YOU want to write about. Sometimes clients need content that goes beyond your interests. In which case, you gain an interest, do your research, and write it anyway.

– There are months with no work—especially in the beginnings. Freelance writing is a competitive profession because everyone thinks they can do it. However, not everyone is good at it. Hone your skills. Give clients a reason to keep you around, and you will never be without work.

Choosing the Coverage for Your Everyday Needs

You never know what will happen in your life on a day-to-day basis. As much as you want to control your circumstances, you may find yourself subject to events that are beyond your control.

These circumstances can take a toll on your finances, security, and even your legal freedom. By investing in coverage like car, home, business, or life insurance Elk Grove CA clients like you can take necessary measures to safeguard your future and maintain some control over your life.

Shopping for Policies

You do not have to be an expert in finances or insurance law to shop for a policy that will suit your needs. When you visit the website, you can immediately click on the products link to discover what types of coverage the business offers. You can choose between personal or business insurance depending on what types of protection in which you are most interested.

Personal insurance can be vital if you are married, have children, or do not want to leave behind debts for your loved ones to pay. Even if you are single, you may still want this kind of policy to pay for your final expenses and to settle debts that might otherwise not be forgiven after you pass.

Married individuals and people with families likewise find it prudent to invest in this coverage to spare their families from having to pay for a funeral out-of-pocket. The money can also be used to pay for medical bills that might otherwise be passed onto a spouse or children after you die.

Pricing It Out

As much as you might want to invest in this type of protection, you also do not want to spend loads of cash on the premiums. You have control over the price you pay for your policy, however. Your pricing will be based in part on how much coverage you purchase as well as other factors like your overall health and medical history.

In general, people who are younger and in relatively good health pay less for their coverage than people who are older or have serious medical issues. Even so, you can price out the policy and decide what kind of coverage is right for you using the quote options found on the website. You can then pay for your policy and get it started that very same day, ensuring you are protected now.

The Highest Paying Jobs in the USA

While businessmen are the ones who are at the top of the food chain when it comes to earning the real dollars, this list is not about them. It’s about people with professional skills that hold regular jobs but earn salaries or receive payments that would make the rest of us rethink our life choices! So, without further delay, here are some of the highest paying jobs that you can opt for in the USA, provided you are still of the right age and have the necessary aptitude.

Pharmacy Manager (Median Annual Salary: $149,064 as of 2017)

In short, a pharmacy manager is responsible for almost anything and everything related to medicines and their supply and availability to patients. As it entails ethical, medical, and legal knowledge of medicine administration and supply, they must go through a lot of studying and certification processes to earn their licenses. When they do get through everything though, money is most definitely not a problem anymore for them.

Attorneys (Depends)

Thanks to shows like Suits, it’s no secret that lawyers can become pretty rich, and if you want to have a real-life estimation of how big that annual paycheck can be for an attorney, visit richestlifestyle.com to find out who the richest African-American lawyers are. Things are particularly peachy for patent attorneys, with a median base salary of $139,272 as of 2017.

Medical Science Liaison (Median Annual Salary: $132,842 as of 2017)

A unique branch of the medical field, the job of the medical science liaison is a complicated one that involves a lot of things; the most important of them is helping to maintain relationships in-between key medical personnel from various fields and organizations.

Applications Development Manager (Median Annual Salary: $112,045 as of 2017)

In a world that is being run by technology and mostly software, it should come as no surprise that software developers earn some of the most lucrative salaries in the US. When you are in charge of a project, or you are the applications development manager, to be precise, your salary shoots up even further and easily crosses the $100,000 mark. You will need extensive knowledge and experience in coding to become one though.

Doctor (Depends)

When human lives are in your hands, you are bound to be compensated accordingly, so believe us when we say that doctors are well compensated indeed. Consider the fact that spine and brain surgeons are often found to earn nearly a million dollars per year to get an estimate of what we are talking about here. Even the average gastroenterologist earns more than $500,000 per year, so if you are looking to become a doctor in the US, being rich is pretty much on the cards.

While the professions mentioned here do pay more than what you would get paid at almost every other job in the United States, it is to be remembered that you still need to be good at what you do. If you are particularly good at something, chances are that you will eventually earn well, irrespective of the field that you are in. Nevertheless, it does help things a lot if you can be good at any of the five mentioned above.