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Member You - 10 Power Steps for Reducing Your Debt
Yes, I’ve made an entire career out of wearing a nametag.(I know. Sometimes I still don’t believe it myself!)Still, many of my readers and audience members continue to ask the obvious question: “How?”I wish I had a short answer for you. I really do.But alas, it’s not that simple.So, bear with me here as I take you through my long answer.How to Make an Entire Career Out of Wearing a NametagATTITUDE. Stay positive. Stay friendly. Stay fun. Especially because 10% of the people you meet will think you’re out of your damn mind. And remember: it’s not about the nametag; it’s the person wearing it, and the attitude OF that person. Turn hate mail into great mail. If at first y
4. Invest unexpected money back into debt
When you get money as a gift, your income tax refund, and/or an une
This is a variation of my "Last man standing" game I play on my workshops, seminars, teleconferences and speaking engagements...This is an interesting game and will take only 3 minutes to play.Required: Pen, paper, your business card and an open mindPreparationTry and recall how many business cards you have distributed in the last 4 weeks. Go on, no clicking on emails, or databases, mentally try and recall who you gave your card to in the last 4 weeks….and write down their name, and whether you followed them up or notTry and recall how many business cards you have collected in the last 4 weeks without looking up databases, leather card wallet, suit pocket or desk drawer ….and write down their name, and wh
Before aggressively paying down your debt, I recommend you pay yourself first by having three months income in a savings account or other no risk investment that you can get to in an emergency. Do not put off any longer having this emergency saving. This is what you need for real emergencies. With this money, you should be able to raise your insurance premiums, not have rely on payday loans or new debt for those unexpected emergences, and be able to collateralize a secured loan for the purpose of building your credit.
2. Pay off debt before saving or investing
It doesn’t make much sense investing for modest returns when you have credit card and other high interest payments in excess of twelve percent. When you invest in your own debt, it is like getting a guaranteed return on your money since you know exactly how much interest you will save versus how much you could earn. You should save up a small fund, about three months of your income, and then aggressively work on paying down your debt instead of saving additional money elsewhere.
3. Renegotiate your debts and interest rates.
Call your creditors and simply ASK to have your interest rates lowered. The worst they can say is no, and if they say no, put a note in your calendar to try again in thirty days. Keep trying! Chances are you will find many will lower or change the terms to a more favorable rate that will save you a ton of money. You should also be shopping around for other lenders who will consolidate or transfer the balance at a more favorable rate. If you are in dire financial straits, consider hiring a debt negotiator. A good debt negotiator can reduce interest and even the amount you owe as much as fifty percent or more. You will take a hit on your credit, but the chance to wipe out half your debts would be worth the small price you would have to pay for a bad mark(s) on your credit report that you can later repair yourself.
4. Invest unexpected money back into debt
When you get money as a gift, your income tax refund, and/or an unex
Weekly, I keep an eye to the horizon to assess new developments in the Internet environment. In noting the changes, I sometimes begin to feel overwhelmed by feelings of doom.The S~P~A~M problem is one such item that leaves me at times in much distress. I fear the trends of the ISP's in their efforts to get control of the S~P~A~M situation.The ISP's are pushed and prodded by the ISP's customers as they begin to feel overwhelmed by the volume of unappreciated UCE email.Now and again, companies spring up to promise a new technology to combat the growing problems faced by the ISP's and their customers.Early on, the promising technologies included blacklists and email filters. I say "early on" because I ha
2. Pay off debt before saving or investing
It doesn’t make much sense investing for modest returns when you have credit card and other high interest payments in excess of twelve percent. When you invest in your own debt, it is like getting a guaranteed return on your money since you know exactly how much interest you will save versus how much you could earn. You should save up a small fund, about three months of your income, and then aggressively work on paying down your debt instead of saving additional money elsewhere.
3. Renegotiate your debts and interest rates.
Call your creditors and simply ASK to have your interest rates lowered. The worst they can say is no, and if they say no, put a note in your calendar to try again in thirty days. Keep trying! Chances are you will find many will lower or change the terms to a more favorable rate that will save you a ton of money. You should also be shopping around for other lenders who will consolidate or transfer the balance at a more favorable rate. If you are in dire financial straits, consider hiring a debt negotiator. A good debt negotiator can reduce interest and even the amount you owe as much as fifty percent or more. You will take a hit on your credit, but the chance to wipe out half your debts would be worth the small price you would have to pay for a bad mark(s) on your credit report that you can later repair yourself.
4. Invest unexpected money back into debt
When you get money as a gift, your income tax refund, and/or an une
What the heck is going on lately? Most internet websites I go to now, all I see are pretty graphics everywhere. I see moving images, I see crazy JAVA, things flying around.Don't get me wrong, some of these graphics are truly amazing - I love to see them! But, that's the problem! I only love to look at them, when I'm done looking at them, I LEAVE! Lately, there's been a disturbing trend of everyone spending huge amounts of money on web graphics. The problem? There is NO proof that this really helps your sales!As a matter of fact, one of my biggest money makers is a consulting service...www.SingalMarketing.com/consultingte.html...I put that page up in 5 minutes (after writing my copy). Believe it or not, but eve
3. Renegotiate your debts and interest rates.
Call your creditors and simply ASK to have your interest rates lowered. The worst they can say is no, and if they say no, put a note in your calendar to try again in thirty days. Keep trying! Chances are you will find many will lower or change the terms to a more favorable rate that will save you a ton of money. You should also be shopping around for other lenders who will consolidate or transfer the balance at a more favorable rate. If you are in dire financial straits, consider hiring a debt negotiator. A good debt negotiator can reduce interest and even the amount you owe as much as fifty percent or more. You will take a hit on your credit, but the chance to wipe out half your debts would be worth the small price you would have to pay for a bad mark(s) on your credit report that you can later repair yourself.
4. Invest unexpected money back into debt
When you get money as a gift, your income tax refund, and/or an une
Emagazine advertising is one of the most popular ways to market yourself online. Not only is your advert or article going out by email, if your publisher is archiving each Emagazine, the search engines are looking at it as well.Search the Internet, sign up for a few relevant Emagazines and choose your publisher carefully. Ensure they maintain the following standards:MAILING LIST MANAGEMENTEach Emagazine must have a mailing list, which is double opt in, with an unsubscribe link at the bottom of each issue. If your chosen publisher does this, then you know they offer a quality service. Furthermore, each reader will have gone through 2 processes to get on the mailing list. That is dedication and they are definitely
4. Invest unexpected money back into debt
When you get money as a gift, your income tax refund, and/or an une
Here's a proven, and truly easy way to start increasing your sales, immediately.All you need to do is add these 2 words to your selling system, and you're good to go.In fact, this trick's so good, I wish I could take credit for coming up with it, but the truth is, it comes from a little-known marketing legend.Here's the deal:In 1947, Elmer Wheeler was one of the best-known salesmen of his time. His "Wheeler Institute of Words" developed a "best practices" of selling, by testing a variety of words in over 19 million selling situations.I'm right in the middle of reading one of Elmer's most famous books, "Tested Sentences That Sell".And here's a great little selling trick that comes straight out of t
4. Invest unexpected money back into debt
When you get money as a gift, your income tax refund, and/or an unexpected rebate or raise, don’t go out and spend that cash. Use it to pay down a bill to reduce what you owe and the interest you are paying. Another technique is at the end of the day, take all your loose change and put it into a jar. Each month, cash all those coins in and apply it as an extra payment.
5. Find lower cost alternatives
Buy items used on an auction site. Go online and search for grocery coupons on products you already use. Cancel services and use money back guarantees for stuff you are not using or don’t need. Pack a lunch instead of buying lunch at work. Rent a DVD instead of going to the movies. Listen to the radio instead of buying CDs. Go to the library instead of buying books or get them used online. Use comparison shopping websites to make sure you’re getting the lowest price. Cash in those rebates and keep accurate records.
6. Sell unused items
Sell used books, cds, textbooks, etc online via auction sites like Amazon, Ebay, and Half.com. It is easier then you think, often just the ISBN number is needed to sell a used book, and your customer pays the shipping. Other stuff like baby furniture, kids clothes, etc can be sold online.
7. Earn additional income.
Look for ways to expand your income that does not require investment. Write articles for websites. Get a part time job. Create items people want to buy. Become an affiliate marketer. Write reviews on products you like and have your affiliate URL listed in your review. Start a home based business and keep accurate records so that you can deduct expenses like your computer, internet, and your home office space to get a bigger refund or reduce what you owe in tax
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