Moving Saving Tips: Getting Help From Banks and Sticking to a Plan

Whether you have a small salary or a job that pays great, learning how to budget your money is one of the smartest things you can do. Here you will find some great tips on how to save and manage your money.

Create A Spending Plan

Start by writing down your repeat monthly expenses: rent, car payment, groceries, credit card payments, utilities, etc. Knowing how much you owe every month will also give you an idea of how much you can spend and how much you can save. In addition, having a plan will prevent you from making impulse purchases.

At first, following a budget can be difficult; however, once you get used to it you’ll realize the benefits outweigh the hassle. You won’t have to deal with any more unpleasant financial surprises, you’ll be able to set aside an emergency fund so if something unexpected happens it won’t break your bank, and you’ll even be able to spend more on things you want with all the money you’ve saved.

Banks Can Help You

Many banks have financial advisors who are available to provide professional guidance and help you create your spending plan. The bank’s personnel can talk to you about investments, loans, and saving.

Most banks also offer online banking, which makes it easy for you to keep track of your finances on a regular basis. Check your statement at least once a week and compare it to your spending plan. Doing this will let you know if you are really following your budget or if you are spending money on things you don’t really need. Your goal is to eliminate those unnecessary expenses.

How To Save Money

Even without a high-paying job, you can still save.

Think before you buy: Every time you want to buy something, stop and think. It is very easy to compare prices online from different retailers. Consider buying store brands, instead of name brands. Use coupons. These small changes to your shopping routine will add up to big savings.

Cook more: Try preparing your own food more often, instead of going out to eat every day. You’ll save hundreds of dollars a month and will eat healthier. Plus, a healthier diet will help you save on healthcare costs.

Get rid of stuff: Sell all the stuff you don’t use. Have a big garage sale or try to sell some stuff online. You can clean up your home and make money at the same time.

Getting your finances under control may seem impossible, but if you create a budget and think before you spend, you’ll see how easy it is to save.

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How to Make Millions Offline

You can do business online and offline. Offline being that you carry out your business without staring at the computer screen all day long. Now this doesn’t mean you can bring your offline business online, you can and it is good, but in this article, we are looking at those businesses that don’t depend on the internet to survive.

The areas you can do business offline are numerous like food and drinks, insurance, sales, banking, accounting, finance, business management, administrative management, human resources etc. When you hear of business, I know your thoughts immediately go to big corporation, big companies, large industries and the like. But there are many small and medium scale enterprises that one can start and make money.

I will be concentrating on business you can start with little cash. Yes little cash and you don’t need an MBA in business administration to start them. You don’t need any kind of degree at all, just know what you want and be passionate about it. You need to know that you have to spend something when you are starting a business. Some teach that you don’t have to spend a dime to start a business, that’s not entirely true. Even if you make a call for someone to supply you with goods on credit and after selling, you pay the money, the credit you consumed for the call is money. But don’t be scared, it doesn’t mean your businesses will cost an arm and a leg to start, no.

Money is not the most important requirement to have. Sure you’ll invest money but you’ll invest TIME more. Especially in the beginning you will spend a lot of time to get your business off the ground. Examples of businesses that will make you millions offline are: Selling food stuff, selling water, making business cards, making other graphic designs like calendars, posters, shining shoes for people, selling cookies, selling children’s toys, selling slippers, selling second hand clothes, selling books and others.

You can also start a service-based business. Like washing cars, dry cleaning business, babysitting, washing carpets and rugs, window blind cleaning and others. Look around your vicinity or community. What do they need? What will they pay to have? Give it to them and you’ll make money.

Understanding Some of the Common Inheritance Mistakes Made By Heirs

Inheriting property or money sounds like a great deal, but only if you manage it properly. If you are not careful, then you can fall into pitfalls such as forgoing the inheritance money, breeding family rivalry, serious tax consequences, and loss of assets permanently, etc.

If you are wise enough, you will use the inheritance in a way that it is beneficial to you and for generations to com. In this article, we will discuss about some of the inheritance mistakes, which heirs must avoid committing, and they are mentioned below:

    1. Spending carelessly – This is the most common mistake people (heirs) make when they suddenly inherit a lot of money. Many end up purchasing lavish cars, big houses, boats etc. It is a common behavior of a man to buy things that he desires without giving a second thought. Do not spend the money on unnecessary luxurious items that you will either use it once or never use it. Instead, try to invest on something that is can better your future.
    1. Jealousy and differences – There are many instances where the parents have left the entire inheritance to that only child who took care of them while they were old and sick. In such cases, there is bound to be differences and conflicts among the siblings, after the demise of the parents. Many a times, the siblings do not understand the true value of maintaining family relationships, in spite of inheritance disputes. It is a shame that many families have split from each other forever, over the matters related to properties.
    1. Expert advice – If you are not somebody who spends money on buying luxury cars or boat, then you could benefit from expert advice upon receiving inheritance proper or money. A qualified attorney or an accountant will educate and guide you on investing your money wisely.
  1. Other income sources – Getting inheritance does not mean that you can settle on that money for life. Therefore, it is suggested that you carry on with your current job, to support your day-to-day expenses. If you stop working, and completely depend on the inheritance money, than you are bound to get bankrupt soon or later.

People who receive inheritance properties or money have most likely lost a family, and are in depression or not the right frame of mind. Therefore, it is recommended that you gather yourself soon. Careful planning can help you make the right choices about inherited assets and assist you in avoiding preventable mistakes like the ones mentioned above.

If you have poor credit ratings, then you still stand a good chance of procuring loans against the cash probate loan. To know more about how you could get cash advance, if any inheritance is due to you, please visit our website,

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Difference between an Article, an SEO article and a Blog post

Most times people use the words article and blog post simultaneously. While some feel that they are the same, others say there are differences. Well I’m here to give my own opinion, from my years of freelancing on the article writing niche.

The three terms above are all articles but there are different types of articles. An article as referred to in many freelancing sites is a written content of words between 350-500 words. It may contain little or no research work. It can be used in a static or dynamic website. It is usually written in a second or third person. It usually doesn’t express an opinion but the results of the research if any.

An SEO article on the other hand is an article written basically for the search engines. It usually contains reasonable content but the major focus is on the keywords needed to rank in the search engines. The keywords are strategically placed in the article body at different points. A good SEO article usually have a keyword density of 3-5% and should have a main keywords and 1-2 sub keywords. The length varies from 400-700 words.

A blog post is an article that is written primarily to elicit a reaction. It cold be to buy a product or service, subscribe to a newsletter, get more opinions or even to get answers to a question. It is usually an opinionated write-up. It is easily scanable because it broken into parts with sub-headings. This quality makes t to be easily shared in the social media and so draws more opinion to the write-up. It is usually written to draw comments from the readers. The length varies but it is mostly short. There are blog posts as shorts as 300 and ones as long as 1000 words.

But these are not the only types of articles you can find int eh article writing world. There are many pothers, like sales letter, landing page content, academic writing and others. There is a popular one found in many website which I would like to call a research article. This is mostly found in magazines, newspapers and authority websites. They are usually long, with length ranging from 50-2500 words. This type of article involves a lot of research and sometimes uses inputs from a case study or interview.

What type of article do you think this is? I mean this one you are reading now?

You should Invest in Stocks

For you to earn all the money you want in your business or work, enough to live in the home you want, drive the cars you want, and take care of your family’s future is quite easy. The secret as I have always said is through Investment.

You can invest in stocks, bonds, mutual funds, real estate, forex, commodities like gold, silver, and other precious metals. Let’s discuss stocks for now. When you own stocks of a company it means you are part-owner of the company. The stocks you buy are called shares and you usually buy through a stockbroker. You get dividends from the company whenever they make a profit. If you want to invest in stock you must learn to invest with value, invest in companies with strong fundamentals.

Fundamentals entails strong earnings, products, services, market shares, dividends polices, etc. Form the habit of reading annual reports of companies, no matter how boring it helps. Check the price of stock, sources of income/cashflow of the company, cash flow sustainability, earnings growth, dividends, board and management of company, policy consistency. Contact the company and ask them useful questions.

Simply put it means choosing a company that has good prospects of making profits year in year out. For example if you find a company that sell soft drinks. You have taken the drinks before and you like it, many friends of yours have also testified that it is a good drink which refreshes and quenches thirst. You research the company through an investment professional and your own research.

After your investigations, you decide that the company is good, it is a solid company that will sell more and more drinks in the future, you should buy its shares. Get a good stockbroker and start buying shares of that company. I’ve always seen stock as a good form of investment. A place where I can put my money and relax knowing that my money is working hard to make money for me. Of course there is risk involved, but with due investigations, you’ll come out tops most times.

I bought my first stock with my salary from a holiday job. I knew that I could make a lot of money by investing in the stock exchange. But to make millions I needed to invest more money. So I decided to go into business to raise some money to invest in the stocks I choose. In subsequent articles we look at the business that I did, how I raised money for stocks, how I chose the company to buy share from.

Meanwhile let me hear from you. What do you think of stocks, do you prefer bonds or any other type of investments to stocks? Which is the best form of investment to you? Do you have shares of any company?

Branded Pens – An Effective Advertising Strategy for Promoting Your Business

This is an interesting article from ezine articles.

Do you know that promotional pens count among the most recurrently ordered printed products used for advertising and promotion purposes? If you look closely at what these pens represent, you will not be surprised at all.

When it comes to merchandise associated with business promotion, the possibilities are endless. You have quite an extensive range which includes mugs, t-shirts, umbrellas, notepads, and caps among many. However, promotional pens stand head and shoulders above the rest.

Branded pens are budget-friendly. Although you can opt for expensive and sophisticated executive pens or fountain pens for high-valued clients, you also have the option of choosing the less expensive but still high-quality plastic pens to give to every Tom, Dick, and Harry on the street so that you get your name out in the community. Branding these pens with your name, logo, and even contact details assures you of developing name recognition.

Because you can get these branded pens at really low costs, you can use them for any occasion which gives you a chance to promote and build up your business. You can use them to establish your corporate identity. You can use them to promote an event, a product, or a service. You can use them to develop customer patronage and loyalty. You can use them to give recognition to employees. You can use them to generate interest in trade shows. You can use them to increase safety awareness. You can use them for a lot of reasons. Because they are tiny and lightweight, they are easy to issue. And because they are useful, they are a pleasure to receive.

There are many types of branded pens available to fit any budget – from the most basic of ballpoint pens to the most sophisticated engraved fountain pen sets to suit the most discriminating of tastes. You can choose from a wide range of styles and colors. You can have these opens customized with your corporate name and logo so that they go out into the world boldly advertising your product or service. Promotional pens are an incredibly inexpensive way to promote your business and develop your presence among prospective and current clients.

Using branded pens is an effective and very subtle technique of effective promotion and advertising. It is a restrained and understated – and VERY effective – method to secure more clients, make more sales, establish credibility, and realize your corporate goals. It is hardly surprising why marketing strategists consider it one of the most effective and valuable advertising strategies one can use.

Charles works for Supreme Pens, an online store which offers business owners the chance to market their company through promotional, branded and branded pens.

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Reflect on this

I received a very interesting joke from, and I decided to share it with you. The joke is reproduced below, but before you read, I’d like to tell the morale of the story. Working hard is essential to success in anything you do. Even in making money. The joke is titled “And God said…” The rest of my comments continue after the joke.

And God Said…

A very religious man lived right next door to an atheist. While the religious one prayed day in, day out, and was constantly on his knees in communion with his Lord, the atheist never even looked twice at a church.

However, the atheist’s life was good, he had a well-paying job and a beautiful wife, and his children were healthy and good-natured, whereas the pious man’s job was strenuous and his wages were low, his wife was cheating on him and his kids wouldn’t give him the time of the day.

So one day, deep in prayer as usual, he raised his eyes towards heaven and asked: “Oh God, I honor you every day, I ask your advice for every problem and confess to you my every sin. Yet my neighbour, who doesn’t even believe in you and certainly never prays, seems blessed with every happiness, while I go poor and suffer many an indignity.

Why is this?” And a great voice was heard from above …


In making money it is more essential to work hard. You can learn all you want, yet not be able to get the money you want if you do not put into practice what you’ve learnt. As Zig Ziglar says education covers a lot of ground but won’t cultivate any of it. You have to do the cultivating, the weeding, the harvesting before you can enjoy the fruits of your labour. Bottomline- you have to work and work hard.

In the joke the rich man was always going out to get his daily bread. You are the one to decide for yourself whether you want money, how much, what you need to do to get it and importantly DO IT. After getting the necessary training and education, you have to step out and get to work.

It is not that I don’t believe in prayers. I do. Prayers work, I am a great believer in the efficacy of prayers. We should pray always. But mix your prayers with work. That’s the point. Don’t pray from morning till night. After your morning prayer you go to your office or shop or market for the days’ activities. Remember God helps those who help who help themselves.

Well you’ve seen the joke, I hope you like it as I did. What do you think about it? Your comments are appreciated.

Getting a writer for your website

In the online world, content is king. Getting good, quality content is not easy to come by. Populating a blog or website regularly like 5 times a day or more is not easy especially when the webmaster has other things to do. He may be catering for an offline business, or taking care of your customers. All these things will take his time and he will not be able to provide he needed content for his site.

Most times, webmasters don’t really know the type of content that they want and this leads to friction between the owners of a blog and his writer. Now there are different types of articles one can write for a blog, website or magazine. In the subsequent blog posts, I will be highlighting the differences between articles, blog posts, seo articles and others. I will also explain what each entails so you can know which you want before getting a writer for your site.

Keep a date with this blog.

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