Many of us may feel like it is impossible to live without debt because of the way certain purchase experiences are structured in our society. For big-ticket items like cars, higher education and homes, financing with loans and mortgages is the norm. However, if you think there has to be a better way, you may be right. Read on for an examination of common borrowing situations and how you can avoid taking on stifling amounts of debt - or in some cases, any debt at all.
Daily Transportation
Most of us live in cities and towns where the automobile...
Tuesday, 31 March 2015
10 top UK entrepreneurs who started with less than £25k
Sir Phillip Green has topped Britain’s first ever Rags to RichList, closely followed by Sports Direct owner Mike Ashley and Virgin billionaire Sir Richard Branson.
Start Up Loans (a government-funded scheme that provides advice, business loans and mentoring to startups) compiled the Rags to RichList after researching leading entrepreneurs’ start-up capital and the current value of their businesses.
With just a £20,000 loan to start his first business,...
Monday, 30 March 2015
Why SME owners need to be more focused on management not leadership
Steve Jobs and Bill Gates. These are the people that many business owners aspire to, leaders with incredible vision who have built empires through their powerful leadership.
But while Steve Jobs was envisioning the iPhone, Steve Wozniak was building Apple. While Bill Gates imagined a PC on every desk, Paul Allen was building Microsoft. Next to these monolith leaders was an equally monolith manager – and that's really important.
Leadership and...
How to Shift Your Mindset Toward Saving When You Have a Spending Problem
A few weekends ago, as I awoke to a day that was blissfully void of deadlines to meet and projects to produce, my first thought was what I needed to buy and what stores I could visit to fill my time. Given the newfound breathing room in my budget, this would be relatively okay — except I had acted on that thought the previous three weekends in a row. (Or maybe four. Okay, possibly five.)
In the wake of work pressure and moving stress, I had somehow...
Sunday, 29 March 2015
How to Pay Off Credit Card Debt (Faster)
It always helps to start with a plan. And while it used to be a real hassle to create a debt free plan, it’s much easier now that we have tools like ReadyForZero. You can sign up for ReadyForZero (a free tool) and in just a few minutes you will be able to make a plan based upon how much you are able to pay each month toward all your debts.
When you make a plan, be realistic about how much you can pay. If you can only pay the minimum payments...
5 Tactics to Keep Your Visitors Satisfied
Google uses over 200 ranking signals, updates its algorithm over 500 times a year, and employs thousands of engineers.
But there is one factor that is trumping everything in 2013.
That factor is…satisfy the user.
Let’s go over how Google measures and predicts visitor satisfaction.
Unlike other ranking factors, this one is hard to measure because it’s based almost entirely on search engines’ own internal data — something they don’t share. We do...
The Secret of Using the New Google Trends
Google recently announced three powerful new ways to explore what is trending on Google within Google Trends.
These tools will come in handy when you need fresh ideas for blog posts or newsjacking angles for press releases. These are the hot news stories of the moment, and give you key topics to weave into a content idea you already have in order to ride the wave of a particular trend.
Here are the 3 new ways to use Google Trends.
1) Trending...
How I Paid Off My Debt in Less Than Two Years (and You Can Too)
Being in debt is something we all have a love-hate relationship with.
We love the vacations, clothes, cars and stuff it can buy, be we hate
to pay the bill at the end of the month.
After finally coming to grips with my dysfunctional relationship with
debt, I decided to get out of debt once and for all. Here’s how I paid
off $14,000 in just 14 months, and how you can too!
Step #1: Understand Your Money Personality
The first step that I had...
Here’s How Online Poker Changed How I View Money, by Kevin Yu
I was introduced to poker back in 2007 while I was in college (back
when it was legal). It started from a friendly $5 buy in and quickly
climbed up to $500 sit-ins. The sound of shuffling poker chips were
music to my ears.
Learning how to play poker definitely changed how I view money. I was
your typical broke college kid looking forward to $1 beer specials at
the bar, and in short time frame, I was the guy ordering a Grey Goose
and Red Bull. You could say that I had a pretty lucrative poker run
while in college, but as...
Saturday, 28 March 2015
How Do Car Loans Affect Your Credit Score?
How Do Car Loans Affect Your Credit Score?
How Do Car Loans Affect Your Credit Score?
We all know there’s good and bad debt. Mortgages are sometimes referred to as “good” debt, while credit cards tend to be referred to as “bad” debt because of the high interest rates and large amount of fees attached.
But where do car loans come in?
Some people argue that since auto loans are backed by the value of the car and the interest rate is very low,...
Friday, 27 March 2015
5 Big Mistakes Keeping You in Debt (and How to Overcome Them)
Okay,
so you have debt. It's frustrating sure, but it's not the end of the
world. Millions of people are in the same boat right now, and many of
them are steadily working their way toward being debt free. You can do
it too. No matter how you got into debt, you can make it out.
This post originally appeared on ReadyForZero.
Maybe you
bought a car on credit, maybe you paid for your education with student
loans, maybe you...
Thursday, 26 March 2015
10 Bank-Breaking Money Myths
Unfortunately, one of the factors that will prevent many people from becoming financially successful is a false belief about money. In fact, widespread financial myths can negatively impact both your short- and long-term net worth. Throw away these top 10 money myths, and you'll avoid the consequences of believing them.
1. If I get a raise that bumps me into a higher tax bracket, I'll actually take home less money.
Thankfully, this isn't true. Moving into a higher tax bracket only increases the rate of tax paid on the last dollars you earn....
Wednesday, 25 March 2015
5 Ways for Entrepreneurs to Build Wealth Faster
5 Ways for Entrepreneurs to Build Wealth Faster
by Paul Scolardi
Most people today spend more than they earn and also have credit card debt that is spinning out of control.
As an entrepreneur, it’s especially easy for expenses to spin out of
control and cause instability in your personal life. No matter what kind
of business you...
Thursday, 19 March 2015
3 Simple Ways to Use LinkedIn to Boost Sales
Twitter, Facebook, YouTube, Google+ and Pinterest. These are the platforms many social media experts claim can be the linchpin in developing your online presence. While all of them can be useful marketing tools, there's another social network that can be more effective in generating leads and sales: LinkedIn.
While your competitors are busy spinning their wheels getting "likes" on Facebook and sending a barrage of tweets on Twitter, you can use...
Wednesday, 18 March 2015
6 Steps to Launching Your Social Sales Campaign on LinkedIn (Infographic)
Social selling is all the buzz these days, but what is it, who’s doing it and why is it so important right now?
But first, hold the phone. Thankfully it has zero to do with dialing for dollars (old-school cold calling). Put simply, social selling is when salespeople -- and marketers, recruiters and account reps -- use social media platforms to directly interact with sales prospects.
“Social selling has the power to help establish a positive reputation,...
Five ways to get heard when everyone else is shouting
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You’re nobody if you don’t have lots of Twitter
followers, and unless you share every detail of your life on Facebook
you might as well not pollute this planet with your presence. Right? But
when everyone else is shouting about their lives, how do you get heard
above the clamour?
If you’re
an individual...
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