Saving, investing and making money with technology

Category: Money

How to start spending less and saving more

The first goal of managing your finances must be to spend less than you earn, as otherwise you will simply accumulate more and more debt. Then your next goal could be to save more than you spend but resisting the temptation to splash the cash is not always easy.

Here, we look at some simple ways you can make sure you spend less and save more.

Think very carefully before making any impulse buys

If you see something you really want, such as a fantastic-looking designer clothing item, then stop to consider whether you can actually afford it. If the answer is No, then no matter how great the temptation is, you quite simply shouldn’t be buying it. One possible compromise though might be to start saving, so that you can buy the item at a later date.

Buy on odd-numbered days only

Be disciplined and tell yourself that on even-numbered days you can only buy the bare essentials. Anything from luxury clothing purchases to grabbing an expensive take-away coffee can be left to an odd-numbered day.

Leave your cards at home

If all that is to hand is a small bit of cash, and you don’t have your credit cards with you, then it becomes difficult to buy anything except the essentials.

Think about the real cost of impulse buys

If you see something expensive that you really fancy, then stop for a moment and ask yourself what else you could buy for the same sum. For example, how much in the way of groceries could you buy for the same price as a luxury handbag?

Open a savings account

Find a savings account that pays a good rate of interest and arrange for a fixed sum to be transferred into this account from your current account after every payday.

Become a discount junkie

Consider devoting more time to searching out discounts and rewards and loyalty schemes, after all doing so could really benefit you in the long run. Before buying anything, ask yourself – is there a way I could get this item for less? Given you can visit all manner of discount sites and price comparison sites, and can join so many different rewards schemes, the answer could well be Yes.

Make a budget

Keep on top of exactly how much you spend by making use of one of the many online budget planners.

Make a list before every shopping trip

By making a list of the things you genuinely need to buy, you should hopefully be able to restrict your purchases to the items that appear on your list. Ideally, you would go one step further, and have your meals menu for the week ahead finalised before you enter the supermarket. If you hit the shops without a list, you could end up spending much more as you buy anything and everything which you think might be useful.

Consider downsizing to a cheaper brand

Try buying a cheaper version of some of the food and household items you buy regularly. You may even find that you like the discount brand as much as your old favourite, in which case you can stick with the cheaper brand long-term and save money each week as a result.

Pay your bills via direct debit

Not only is direct debit the most convenient way of paying regular bills, it ensures you won’t forget to pay. You may also find that the company offers incentives for paying online.

Don’t pay ATM fees

Find out in which ATMs you can use your bank card free of charge. You certainly don’t want to be shelling out every time you need to withdraw some cash.

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How to Earn Money on your Smartphone

Technology has taken force over modern society in every respect; from manufacturing to office businesses, how we get there and even how we spend our free time, it’s hard to image what life would be like in this day and age without the global connectivity offered to us by the internet, and all the gadgets and hardware we use to access it.

Over the course of the past decade, probably the most notable advance in technology has come through the rise of the smartphone. Initially an impressive, high end resource reserved for those at the top of the commercial ladder, smartphones have now become the norm, with previous mobile phone models becoming all but extinct. The first smartphone is believed to have come into existence in 1992, but it was 10 years later that the more popular Blackberry smartphones hit the market in 2002, and then a further 5 years later that this technology really hit the headlines with the release of Apple’s first iPhone in 2007.

Smartphones are no longer reserved for the elite, most adults in the developed world now own a smartphone, along with the vast majority of teenagers and even some children. Apple has continuously strived to improve its product since the original iPhone was released, and to date has created 18 different versions of the smartphone. Whilst these products remain industry leaders, Apple now faces stiff competition from Android, another technology giant owned by Google, and offering innumerable models of smartphone, as well as tablet computers and a range of other products.

The rise of smartphones has worked twofold: on the one hand, their ability to carry out multiple tasks on one pocket sized device has attracted users and made the smartphone a highly desirable product. At the same time, the current generation’s desire to be able to handle numerous tasks using just one device has led developers to improve their product offering to meet this gap in the market. We now expect to be able to access everything and anything from our mobile devices, from a standard internet browser to applications that range from mobile banking to gaming.

Since we rely so heavily on our smartphones for everything from business to leisure time, paid surveys platform Crowdology has come up with a way for users to earn a little extra cash from the convenience of their smartphones. We often like to stare at our screen to pass some free time, so you can now earn money for doing so by reviewing products and services for a variety of brands.

There’s no doubt that, in order to stay ahead of the game, technology providers are going to have to improve their product offering as users expect to be able to carry out increasingly more functions on their smartphones, and look to them more and more for entertainment during spare or dull moments.

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What Does an “Affordable Phone” Mean in 2018?

A few years ago, an Indian startup promised to launch a smartphone with a pretty decent configuration that would only cost around $4. As you might expect, the interest in such a product was through the roof – Freedom 251 was pre-ordered by more than 30,000 buyers before its website crashed under the pressure. Unfortunately, this dirt cheap smartphone seems to have been nothing but a scam – although the manufacturer claims to have delivered 5,000 units, its managing director Mohit Goel was later arrested for fraud.

A $4 phone does sound unrealistic today but it’s not as far from becoming a reality as it sounds. Smartphone manufacturers have understood that to break into growth markets like Africa and some South American nations (not to mention India, one of the biggest market for Chinese phone manufacturers) they have to adapt their offer to the realities of these markets. And to do so, they will have to produce handsets with a decent hardware and a low price that the potential customers in these areas will be able to afford.

Some manufacturers have already started to release handsets that might not be the highest-performance ones out there but they are at least very cheap. EuroStar’s ONYX-1S, for example, has a configuration more than capable of browsing the web, playing at online casinos, watching videos, and playing music, and it also comes with a decent camera and a 5″ screen, and can be bought for as low as around $60. Other manufacturers – usually Chinese – also offer their customers smartphones with similar prices that might not be good enough for the Westerners but they are perfect for other, emerging markets. And they redefine the concept of an “affordable phone”.

Of course, these phones are not fitted with the latest Qualcomm or Samsung chips – but they have pretty decent MediaTek processors that have an acceptable performance at a low price. They don’t have 4,000mAh batteries – but they make do with 2,500. And their internal storage is also usually limited to 8 or 16 gigabytes, but it can be expanded with the use of memory cards. And they will also be on par with the market leaders, too, when it comes to security thanks to initiatives like Google’s latest Android Oreo Go Edition, built with exactly these affordable but limited-performance handsets in mind.

We are seeing perhaps the biggest price gap between the cheapest and the most expensive smartphones in history. We have handsets on both ends of the spectrum – on one hand, we have the 256GB iPhone X that costs $1,149, on the other, we have the EuroStar ONYX-1S with a $60 price tag.

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Questions to Ask Before Choosing a Collaboration Tool

Thanks to the internet, there is no shortage of tools that one can use for work.

Working from home? There are tools for you. Cab to the office taking too long? No worries, you can log into an online platform where you can start working on whatever you need to accomplish for the day. Members of your teams located in different parts of the world? Yep, there are tools for that, too.

For any of these situations, a collaboration tool is the answer.

A collaboration tool helps people to collaborate. The purpose of a collaboration tool is to support a group of two or more individuals to accomplish a common goal or objective they have set themselves (source).” This definition can refer to good old paper and pen. In this instance, however, we are referring to software or programs that aid in team collaboration.

The last couple of decades saw the rise of these handy programs. Whether a company operates in a traditional manner or is comprised of remote workers, a collaboration tool is a definite must-have. It is useful in any type of office in any type of industry. It is used in retail, food business, government, education, medicine, and in various other fields. In fact, a lone freelancer without a collaboration tool will find getting work done with clients or business partners an extra challenge.

While it’s well and good that there are dozens and dozens of collaboration tools available in the market today, having too many options can be a headache, too.

Imagine just wanting a good tool for working with a team and then being presented with dozens of options.

Here are questions that you need to ask to avoid a potential analysis paralysis situation. Hopefully, these factors will aid you in choosing the most ideal collaboration tool for your company.

1. Is it a standalone tool or a multi-purpose tool?

One question to ask when shopping around for a collaboration tool is whether the platform is standalone or comes with multi-purpose features.

Not all collaboration tools are created equal. This is perhaps due to the fact that collaboration covers a broad spectrum of activities. When you collaborate, you communicate, you share files, you manage a series of tasks that all contribute in the accomplishment of a certain project.

Some tools are ideal for chatting, emailing, or general correspondence. Others focus on file storage or data sharing. There are also some that make project management the focal point.

So should you choose a tool that allows for chatting alone and a different program for sharing files? Or should you pick a platform that lets you tick all aspects of collaboration in one go?

Studies show that teams prefer to work using full-featured tools over standalone programs.

Eileen O’Loughlin, Software Advice:

While specialized tools can boost efficiency in one area, they lack the capacity to meet multiple needs at once. For example: a chat tool may restrict attachment file sizes, or a content management application may lack an activity feed.

One downside, of course, is that programs with multi-purpose features may be crazy complicated. They can be quite pricey, too, when you compare them to standalone collaboration services.

What you can do is find the sweet spot between full-service but simple and affordable. At the very least, you will want a tool that has these three features: allows your team to send messages, has storage for file sharing, and lets you coordinate on tasks for accomplishing projects.

Dead Drop software, for instance, is a full-featured collaboration tool that is not only affordable but also quite simple to use. This cloud-based platform allows teams to send messages to one another, share or store files, and run projects using the calendar.

2. What’s your budget?

Expounding on the point we have made above, let’s explore another question to ask when choosing a collaboration tool: what’s your budget?

Siv Rauv, Elcom:

Most online collaboration tools are available at a low monthly subscription cost — but there are also some open source platforms available for startups and organisations that aren’t ready to commit. Professional solutions are often priced out at a per seat rate, so it becomes important to compare different tools based on cost.

The budget issue will likely be affected by the size of your company. This is because most tools charge subscription fees per user. Basically, the bigger the number of users who access the tools, the higher the monthly bill would be.

Conversely, there are also tools that offer all-in or fixed monthly plans. This may be a good option if your team is on the larger side or you have no clear picture of your manpower in the near future.

3. Does it offer free trial or free demo?

One way to learn how a collaboration tool works is by trying it out. This is where free trials or free demos come in handy. If a platform isn’t offered on trial, you might want to steer clear of it.

Depending on the vendor, some free trials consist of only a few basic features. Some, however, will let you explore and try every facet of the program. This way, you will know exactly that you will be paying for, if ever you do sign up for a plan.

Have your team try one or two tools before signing up for a paid subscription. As a result, if you do end up signing up for a particular tool, the teething stage would be shorter for your team.

4. How secure is it?

Security is a major factor to consider when you are shopping around for your team’s collaboration tool.

Just imagine: ideas that flow through your company are worth a lot of money. When these ideas are stored in an online platform, it’s imperative that you make security a top priority when choosing a collaboration tool.

Most vendors would disclose just how secure their platforms are so you simply need to browse their FAQ section before you make the decision to sign up.

5. Does the tool answer your team’s specific problem/s?

Different teams have different needs. Before you choose a collaboration tool, take time to analyze how your team interacts first.

Do they prefer to use real-time chat rooms as a venue to collaborate? Do they like to use emails to coordinate on projects? Do you have remote workers whom your team need to video call often?

By knowing how your team collaborate, you will be able to choose the tool that best fit your business.

Some full-featured collaboration tools available in the market today focus on the real-time interactive side of working together. They showcase chat or commenting functions so that teams can talk about what they are working on as they work on them. If your team loves to chat, these are tools you may want to look into.

Speaking of work to get done, there are also platforms that come with handy checklists or to-do lists. These can prove quite useful for teams that love to tick items off after finishing with certain tasks.

If your team is also using Google Drive, Dropbox, and other online tools, you might want to invest in a collaboration tool that allows for integration.

Another factor that you might need to consider is whether a tool allows for secure business to business collaboration. There are tools that can be used only by one team or company. There are some, like Dead Drop, that are suitable for collaboration with external entities, such as clients, business partners, and other parties who may not be part of the company. These types of tools are quite useful for collaboration beyond only one team.

If you find a collaboration tool that has the right answers for these questions, consider yourself lucky. You and your team will be well on your way to accomplishing many goals. Of course, we reiterate that you take advantage of the free trial offers first. A trial is a good test whether a program is a good fit for your team.

Go forth and dive into the wonderful world of collaboration tools. Trust us, one or two will make your work life much better.

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Key Signs of Bankruptcy You May Not Be Aware of Before It’s Too Late

Disclaimer: All the information that you’re about to read below points out some key signs of bankruptcy that you may not be aware of before it’s too late. It isn’t supposed to replace traditional advice as provided by a licensed lawyer who you should contact right away.

You may have borrowed money before from someone you know after getting caught in an emergency situation that left you strapped for cash. You may also have used your credit card to buy something you urgently needed, or you may have taken out a loan on your car or even your house. Whatever the circumstances that led to you incurring some debt, there’s absolutely nothing wrong with it as long as you can settle it. However, if all your debts have begun piling up and you’ve already exhausted all repayment options available at your disposal, you have to watch out for some key signs of bankruptcy that you may not be aware of before it’s too late.

Some Signs of Bankruptcy to Watch Out for That You May Not be aware of

Declaring bankruptcy is usually reserved for situations wherein the debt that you incurred has grown to the point of becoming unmanageable on your own. Thus, you wouldn’t want to file for Chapter 7 in which all your property that isn’t exempt would be seized and sold by your creditor to make up for the payments that you missed.

Neither would you want to file for Chapter 13 which restructures the payment plan that both you and your creditor have previously agreed upon that allows you to repay in smaller amounts but over a longer period of time. For you to not resort to declaring yourself as bankrupt, you would have to spot the following signs of bankruptcy that you may not be aware of and resolve them while you can still manage your debts instead of letting them sink you deep in financial ruin.

1. You’ve been paying only the minimum amount due indicated on your credit card’s monthly billing statement.

For those who don’t like bringing copious amounts of cash in public, a credit card is a more convenient option that doesn’t leave an unattractive bulge in your wallet. However, having a credit card entails anyone who applies for one to use it sparingly and responsibly.

● If you have a credit card yourself, you might have noticed that every billing statement you receive in your mail has a minimum amount due indicated in it. You shouldn’t assume right away that you only have to pay for your credit card’s minimum amount due every month.

● What you would want to do instead is to look for the total outstanding balance in your billing statement and make it a point to pay no less than that every month so that you won’t lag behind on any payments that you have to make to your credit card.

2. You don’t have a rainy day fund that you can use to bounce back from a huge financial upset.

If you only have one personal savings account where you’re depositing all your wages and bonuses that you receive in your job, you’re not managing your finances right. Settling for a single bank account can put you in an undesirable position should any unforeseen incident cost you a considerable amount of money.

● For you to fully recover in case you experience a major financial setback, you would need to open another bank account and designate it as your rainy day fund.

● Your rainy day fund should only be used for emergencies, so you should learn to control your spending habits as well by not withdrawing any amount from it.

3. A third-party collection agency has been incessantly calling you or sending you a demand letter to inform you of all the debts that you need to pay as soon as possible.

If several months had passed and you still weren’t able to pay back the money that you owe your creditor, they’d be forced to hire a third-party agency in charge of making sure that you shape up financially for you to be able to repay all your debts.

● While a debt collection agent would gently remind you at first over the phone about the money that you owe your creditor, their calls might eventually get more and more urgent and stern in tone if you’re still skipping on your payments.

● The debt collection agency that your creditor had hired can also mail you a demand letter asking you to pay all your debts back or risk facing a lawsuit in which you’ll have to go to court and defend yourself. Having some debt to your name is fine as long as you can pay back the money that you owe. However, if your debts have been accumulating at an alarming rate until you can barely keep up, thoughts of filing for bankruptcy may have crossed your mind. But before you can declare either Chapter 7 or Chapter 13 bankruptcy, you should first identify some signs of bankruptcy on your end that you may not be aware of and address them before it’s too late. And to help you fully conquer your insurmountable debt, you would want to discuss your current financial state with a lawyer who can assess further if you really have to file for bankruptcy instead.


Cecille Cunningham

Cecille Cunningham loves writing for the common reader, especially on helping them make sense of various topics on the law. She currently writes for multiple law firms. In her spare time she cooks for his family and friends.

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Low-Cost Business Ideas: How a Student to Start Own Business

It’s always a great idea to start a business while in school. However, students are always left trying to figure out where to get the money to start a business. A business can go a long way to getting you money for tuition and upkeep. It also gives you the much-needed experience of running a business and interacting with clients. Every student needs extra money to survive in school for various reasons including, tuition fees, clothing, groceries and club activities. You can easily make money for all these by starting up a business at an affordable cost.

If you are looking for business ideas that you can try out even with your busy schedules of classes and assignments, then we’ve got you covered. Getting a job with such a schedule can be quite hectic. This is why many students are preferring getting into businesses.

Here we have ideas to get you into a business at a low cost!

Residential Cleaning Service

You can start a business to provide residential cleaning services. 

This is a great option that will enable you to have time for both your classes and your business. All that you have to do for a start is buy a few cleaning materials and put up advertisements both online and through posters in your community area.

Here, you have to be keen to do a good job in the houses that you clean and also be trusted. Do not take anything from the houses or invite your friends over. Respect your clients’ spaces. Once you build trust, you will get many referrals.

A good way to reduce the cost of starting up is by asking your clients to provide most of the supplies that you need, for example, rags that are recyclable. Make sure that you arrive for the cleaning service at the expected time and set aside enough time for you to clean up. This will ensure you do a good job and will keep your clients happy as you are reliable.

Moving Service

A moving service business in school is an incredible business 

I bet you know how stressful moving in and out of campus can be for students. This is a great low-cost business opportunity. You can start a moving service business and help your fellow students make that move.

The downside of this job is that it requires a lot of muscle and hard work. This is because it requires a lot of lifting of heavy and large furniture as well as other items. You, therefore, need to have the right capacity and tools to make moving the items easier, for example, rollers.

For marketing your services, you can put up flyers on the campus, use social media platforms or market by word of mouth. You can also use the campus journals for adverts.

Tutoring Service

Tutoring your peers can earn you some money 

Being a student, we bet you know quite a lot of subjects academically. You are probably good at math, writing essays and biology, among others. You can use your skills and knowledge to make some cash!

You can teach students who are struggling. You can become a tutor through various platforms such as the school’s peer teaching center, or by registering as a tutor in the school. You can also train students in elementary or high school, especially in your home or school area.

You can set up your charge rate based on those of the tutors around your area. The highest demand for tutors is usually for SATs.

Event Organizer

Start a business in event organizing 

As a student, we bet that you’re more exposed to the social scenes. This can earn you money. You can work with local musicians and artists to come up with events in your area. Here, you need to do good planning and execution to make the events a success. You could assist in marketing events in your school through distributing flyers and setting up posters as well as informing your fellow students by word of mouth. This will help in creating an interest in the events.

You can also work with managers of venues in your area to hold the events there and market them online through blogs and social media platforms. You can get paid for the marketing, organizing the event or through sales on the tickets.

Make sure that you do your homework so that you find the right kind of people to work with. The key to making this work is open and frequent communication, good organization skills as well as skills in finance and marketing.


You don’t have to be doing a major in finance to do bookkeeping. All you need is basic know-how of accounting and a good understanding of how to use spreadsheets and analyzing as well as solving real-life problems.

The good thing is that all companies and business need to maintain good records for bookkeeping, hence, there will always be a job for you. For small businesses, they tend to outsource this service to lower their costs. You can, therefore, use this opportunity to fill in the gap.

You can use a low-cost software for startups like Xero. You can also market your services by way of listings on jobs or through referrals by your clients. You should charge on the basis of work complexity as well as your level of experience. It is always a great idea to start with a low charge rate then slowly work towards a higher one with experience.

Making jewelry can earn you good money

Make Jewelry

You don’t have to be a jewelry guru or an expert jewelry maker to start up a business in jewelry. You can start up with simple jewelry for your fellow college mates or even for kids. This can be bracelets, neckpieces, etc. Use an e-commerce site to help you sell them or start your own website.

You can do better work by watching tutorials online as well as doing further research on blogs and other articles.

The best way to sell this kind of jewelry is through advertisements by way of using photos. Ensure that you take good images of the pieces for your website or selling platform to encourage your clients to buy the products. Be keen to use simple and basic tools for example pliers, beads, stones and a wire cutter. They will be affordable.


As a student, you don’t need to have lots of money to start up a business. We have listed a number of low-cost business ideas that will surely set you off on your journey into entrepreneurship. With every business idea, you will need to work hard and be reliable and committed to making it work. We do understand that you spend most of your time in class and doing projects as well as assignments. This is why our ideas are not time-consuming. These ideas are ideal for you as you will be able to handle both business and studies, and still make that extra money. Ensure that you do a good job and remain consistent so as to get more clients through referrals. Whichever skills you, say you are a good writer, the best you could ever do before starting out is researching on what to offer. Let’s say you know how to write 1000 word essay that will score high marks or you’re good at article and blog writing, find out which one will make you money with more ease. Afterwards, you can slowly expand to other niches.

Have any exciting ideas that you would like to share with us? Let us know in comments section.

Author Bio: Christina Battons is a creative writer and content strategist from LA. Currently, I write to various web platforms. My posts address the topics about self-education, writing, motivation, professional development. In my spare time, I prefer to read novels and crime thriller stories. You can connect with me through @battonschristi.

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Should You Opt for a Personal Loan?

There might be situations in your life when you will need some funds urgently but might not have any in your bank account. At such a time you can ask for some funds from your friend or relatives, but that imposes a lot of restrictions on you. So the next best thing that you can think about is taking a personal loan.

Availing a loan is not as easy as it sounds and there are a few procedures that you need to complete before the bank approves your application for a personal loan. The proceeds that you earn from a personal loan can be used for any reason that you deem fit. The financial institutions or lenders give you the liberty to use the money in whichever way you want.

Here are a few situations when you can opt for a personal loan:

1. When You Want to Consolidate Your Debt:

Having a debt can prove to be a real nightmare if you do not have any money to pay off the debt. In the modern world, swiping a card has given us the power to spend the money which we actually do not have. But while swiping our cards, what we do not consider is that we eventually have to repay this money to the financial institutions or lender.

Repaying this debt can put you through a tough time as the rate of interest that you have to pay is quite high. But instead of paying a higher rate of interest you can opt for a personal loan and pay off all the debt that you have. The advantage of taking a personal loan is that it offers a lower rate of interest comparatively and you will be able to pay off all the debt in one go.

2. When You Want to Explore New Place:

Traveling to new places has and exploring them has become very popular these days. With this rising popularity, there comes a rise in the local market which makes everything very costly. And you cannot always the funds to pay for all of this.

In such a situation, you can opt for taking a personal loan. A personal loan can help you pay for all the things included in the trip right from the charges for the hotel stay, the food, the sight-seeing and it will even pay for your tickets to the destination.

3. When You Have a Medical Emergency:

Most medical conditions come unannounced and you never know when you will be needing funds to pay for all the medical bills. When you have to face a medical emergency it becomes very difficult to deal with the financial situation as well. It becomes very difficult to cough up a huge amount of money in a short span of time and in such a situation, you can always opt for a personal loan.

4. When You Want to Change Things Around Your Home:

Taking a personal loan to change a few things around you is the smarter thing to do as home improvements can cost quite a lot. The expenses for home improvements will increase if you an old home and you want to renovate it completely. Since you can use the proceeds of a personal loan for any reason, you can use the same for making any major changes around your house.

A personal loan is a serious financial decision and it is not to be taken lightly. Taking a personal loan will affect your monthly finances until you pay off all the debt. You will have to pay Equated Monthly Installments (EMIs) until you are cleared of your debt and that will have a huge impact on your monthly income and expenses.

Also Read: A Handy Guide To Personal Loan

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Getting Relief From Debt

I was up to my eyeballs in debt and Nationwide Debt Direct saved me from drowning in the debt. The view from underneath a crushing debt burden can be pretty grim. If you’re struggling with a mountain of debt that seems poised to grow indefinitely, you may feel as if you’re no longer in control of your own future. In fact, you may feel like giving up completely. When you’re barely able to keep up with your bills and your interest rates seem to increase with no end in sight, it’s normal to want to throw in the towel.I’m sleeping better knowing National Debt Relief is helping me to eliminate my debt.

Helped me settle my debts that were choking me

National Debt Relief has taken a big weight off of my shoulders.National Debt Relief has taken a big weight off of my shoulders.I was in a tough spot, financially and emotionally. Now I can see a light at the end of the tunnel finally.You can’t properly manage your own money without some measure of financial literacy. Money matters can be complicated and often seem trivial, but there’s a lot at stake when your financial future hangs in the balance. While a single article can’t possibly cover the full range of things that you need to know in order to be financially literate, this piece is a start. It’ll teach you how to improve your money IQ at home and on the web. If you’re lucky, you might just be able to tell a five-year ARM from a no-penalty CD when you’re done.

Now I can see a light at the end of the tunnel finally

You may wish that you had a financial professional on call to whisper sage money management tips in your ear, but you’ll have to make do with guidance from your peers. This shouldn’t be a disappointment: The best money management advice often comes from folks who have firsthand experience with financial distress. Even better, much of this advice is straightforward and easy to implement. This article features everything from clutch tips on stretching your household budget to advice for dealing with a particularly aggressive creditor.

Best decision I’ve ever made

Managing your household finances can be trickier than it appears to be. Nationwide Debt Direct has taken a lot of weight off of my shoulders. Whether you’re young and single or share a full house with your overworked spouse and multiple kids, you’ll need discipline and moxie to avoid taking on too much debt. This article contains everything that you need to know about creating a realistic household budget, sharing common expenses with your spouse, and teaching your kids how to manage their own streams of income.

Getting debt Relief from Nationwide Debt Direct

Whether you’re struggling under a crushing load of debt or want to fix your nascent credit problem before it gets worse, you could probably use some well-placed money advice. If so, take some time out of your busy day to peruse these easy-to-read articles about everyday personal finance concepts.

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The Best Ways For Financial Planning

Well you know personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics works together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.

“Think different.” That was one of Apple’s first advertising slogans, but it’s also applicable to the way successful people handle their money. Since before the Stone Age, our brains have been wired for short-term thinking and immediate gratification, and those tendencies can be hard to shake. But training your brain to consider the future, decide on your priorities, and check in regularly with your finances can turn things around.

Do this: If you’re going to spend less than you make and consistently put money aside for the future, it’s vital to rank your priorities. So make a list of what you value most — do your best to keep the list short! — and allow yourself extra wiggle room in those areas.

The lesson: “If you’re sick with something you don’t understand, you should ask a doctor,” says Chris Chen, wealth strategist at Massachusetts-based Insights Financial Strategists. The same idea applies to your finances. And if you’re worried about coming off as a financial newbie — “It’s the opposite,” says Barrett. He and other advisors we spoke with said their most savvy and financially literate clients tend to ask the most questions.

These great steps of financial planning are used by the best financial planners, specifically Certified Financial Planners (TM), when creating and implementing financial plans for their clients. However, these steps can and should be followed by every investor or individual.

The lesson: “You can’t have it all” is the pessimist’s way of looking at things. The optimists? “You can have what you value most.” That’s how many successful people look at their money, and it’s a big reason why their wealth has grown — instead of diminished — over time.

Rusty Tweed, the president and owner of Tweed Financial Services, first entered the financial services industry close to 25 years ago. In the time since, Mr. Tweed has demonstrated a deep commitment to the idea that every client deserves access to a comprehensive, detail-oriented approach to financial planning that ultimately leads to a secure financial future aligned with the personal financial goals and objectives expressed by the client. As the president and owner of Tweed Financial Services, Mr. Tweed has repeatedly gone above and beyond in order to live up to the ideals upon which his company was founded almost a quarter of a century ago.

Private Wealth Management1,2 brings your financial life and legacy together, creating a comprehensive plan that’s customized for you. Your Private Wealth Advisor will be your personal guide and single point of contact, working diligently to understand what you want to achieve in life and how you define success. Then, with a team of specialists in investment management, credit and banking solutions, financial planning, trust and estate services, and risk management, your advisor will develop a plan that’s designed to help you:

Pass on assets to your heirs

Manage medical expenses in retirement

Maintain your standard of living into retirement

Protect your wealth and property

Navigate complex employee benefit plans

Support a cause that’s important to you

Use credit to manage cash flow and income

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Why Brands Should Work With Bloggers

Well I think whenever someone is first introduced to the world of blogging, invariably the first question is “How do bloggers make money?”

They want to know how writing articles and posting them on a webpage can turn into cash. It is a fair question for sure. After all, if you are not familiar with the concept at all, then you wonder if it is a legitimate way to earn an online income. When speaking about communications Nancy Behrman is a great communicator.

If you can get paid for something while you are sleeping and it does not require you to exchange future time for money, then you have a low maintenance passive income stream.

The individual transactions are smaller but they happen more often and don’t require your time. Every morning when I wake up I can log into my Google Adsense account and see that I made money while I was sleeping.

Here are some ways that bloggers make money. I won’t be able to go into great detail on how each of these work, nor have I used every one of these to make money.

Some bloggers only focus on how to do 2 or 3 of these really well, while others try to add as many of these as possible to their income buckets. I like to try and master one and then move to the next once I get a handle on one. Also, visit our Make Money page as we are constantly adding new income ideas for you.

I know, it’s a daunting prospect – little blogger trying to play with the big brand boys. Well, you know what? You can do it! Really. And what it starts with – the most critical part – is understanding your value as a blogger. Each and every one, big to small blogger, has value. And if you know and understand the value you have, and how your unique influence has an effect on others, you are way ahead of the game.

Getting brands to understand that, in some instances, can be a little more difficult. But you are your best advocate for you and your brand. Yup, I said it – you yourself are a brand. And as the front (wo)man, the first line of everything and you have the power to make the most of what you have to offer.

How does this work? Anytime someone clicks on your ads, you earn money. The most popular is Google Adsense. On average clicks earn between .15-.50 cents per click, but I have personally seen as much as $5.00 for a click.

Well you know that companies have been using celebrity spokespeople for decades, with varying degrees of success. While hiring A-listers to promote products will likely always be a popular marketing strategy for certain multimillion-dollar brands, savvy businesses are tapping into a new model of using endorsements to boost a brand’s profile and credibility. Few professionals can legitimately claim the status as a truly innovative force in their industry in the way in which Behrman Communications founder Nancy Behrman ,she has been able to cover the course of her illustrious career in public relations and brand building.

In developing the Behrman PR strategic approach, Ms. Behrman has succeeded in altering the public relations industry as a whole and has a remarkable track record of transforming brands and elevating even the smallest of concepts into multi-million dollar ventures that clearly benefit from the worldwide recognition created by Behrman Communications.

The idea is to adopt a broader definition of what makes an effective spokesperson. Musicians, actors, and professional athletes are incredibly expensive, and the resulting campaigns are often difficult to measure

For some companies, it’s far more valuable to hire an affordable spokesperson with a track record of good ROI. Someone with a built-in community, social reach, and real world expertise in brand collaboration.

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