You’re back online looking for cash advances, payday loans or possible title loans in order to get yourself out of a sticky financial situation. You aren’t really sure how you got in this position or how you are going to get yourself out, but you do know that something has to be done fast.Let’s face it; these types of loans are only good for a few hundred dollars’ worth of help. If you need more cash than that or you have already used them in the recent past without finding relief, they may not be your best solution. It’s best to go back to the beginning and see when your financial troubles began and maybe even what prompted them to take the turn for the worst.* Has your debt increased sharply over the last year or two? Look past the home mortgage and focus in on credit card debt. Keeping debt over the long-term is paying others interest which you could be earning for yourself. Don’t fall into low interest marketing traps and spend recklessly through credit cards.* Did you purchase a new home or car expecting your income to increase? If you need to make such large purchases, buy within your current means. You can’t expect careers to grow as they did in the past. Many employers are struggling to keep the staff they have, never mind continue to promote and raise salaries year after year.* Was your vacation purchased on credit? Short-term purchases should not become long-term debt. The rule of thumb towards debt is that the time it takes to pay off a purchase should not be longer than the life of the purchase. If your vacation lasted a week, you should be able to pay off what you charged in the same amount of time. Of course this may not be totally realistic, but in general the concept is to pay it back as soon as possible. Stretching your vacation costs over a few years only increases the price of your vacation and decreases the impact of your income on future purchases.* Did you purchase something to keep up with your peers? This practice is risky as everybody’s personal financial status varies. How many different peers are you trying to keep up with? Do you have a budgeted category for this spending? How much do you put on credit cards?* What about a retirement account? It is not something to worry about down the road. The sooner you can start, even with something small each month, retirement days will benefit. The interest you pay each month on credit cards could be building your future wealth.* Did you quit your job before finding a replacement? Were there funds set aside to carry monthly costs over until a new one was found? Did you live off your credit cards? The sooner you can start building a savings and keep it there, the better off you will be in the long run, especially if finding a new job turns out to be a lengthy process.* If you are paying off debt instead of putting money into a savings, make sure you are not rebuilding debt someplace else. Putting extra money on a credit card payment but then needing to use a different one to cover costs is not a plan to solve debt. Make a new plan that will work.Your new plan may be create a skeleton budget with only the basic needs. Stay clear of credit cards and cash advances while you put money away in a savings. Set short-term goals and treat yourself for each one met. Debt reduction is a process, so stay strong and make your finances come alive.
Would A Fast Cash Advance Solve A Long-Term Financial Problem?
How to Become a Successful Fashion Designer
If you are like me you live and breathe fashion. You are constantly inspired with so many new designs racing through your mind, so many you can’t seem to get them all down quick enough at the pace they arrive. You constantly dream of the day your fashions will be on the fashion runway with the lights beaming brightly overhead, the cameras flashing everywhere and the audience being completely mesmerized by your incredible designs. You can’t stop thinking of the day you will open a magazine or watch the Oscars and see a famous celebrity in one of your breathtaking designs. Your book shelf is stocked with fashion books and magazines, and you absolutely can’t resist visiting textile stores to view all the latest fabrics, decorative beads, rhinestones and trims.It’s this ever present dream of being a successful fashion designer that has you work day and night on your designs in most cases for many years without pay and working a job to pay the pills which is brutal torture, when all you can think about is living and working in fashion.Famous fashion designers come from all walks of life there is no one system to follow that will have you become the next famous fashion designer. Some have graduated from elite fashion schools and some have never attended fashion school. Some have undertaken a fashion internship with a fashion house and others have made their own designs in their basement. The only elements all these fashion designers have in common is they had an intense passion for fashion, were able to design fashions highly sought after and connected with someone who gave them the opportunity to break into the fashion industry. It is essential in becoming a successful fashion designer you get you and your designs out there as much as possible, as how will anyone know about your fashions if they can’t see them?In getting your fashions out there here are a few things you can do:1. We are not usually good at everything some of us are great at designing clothes but lack the sewing and pattern making skills. It is here you can partner with someone who shares your passion for fashion and has the skills you lack. It is in the bringing together of different skills you can create a real product that can be showcased.
2. In having a fashion line of 14 outfits you can apply to your local fashion week. In the USA: New York, Los Angeles and San Francisco all have fashion weeks. These fashion weeks attract many editors, journalists and local socialites who will see your fashions and potentially give you the exposure you need to get known.
3. Many city night clubs hold fashion shows, find out what night clubs hold fashion shows and contact them as to how you can be apart of an up and coming show.
4. Locate fashion boutiques that cater to the fashions you design, first make a trip to the stores to look around, if you can see your clothes fitting in well with the store, find out who the owner is and ask if they would be willing to have some of your fashions offered for sale in their store. You will be amazed at how many store owners are willing to work with you. I walked around San Francisco in the Nob Hill district and had my fashions placed after visiting and discussing my product with four boutiques. In having your fashions displayed you will receive valuable insights as to whether or not your designs are in demand and if you need to change your designs to increase sales. It will also give you free exposure to the public. When your fashions do sell you can present this to investors who are more than willing to invest in your line, when you prove the existence of a strong demand for your fashions.
Advantages of Affiliate Marketing Online Business Against an Offline Business
Is affiliate marketing easier and more efficient than an offline business.If you are like many others at the moment, freighted about losing your job, not sure how you are going to pay the bills at the end of the Month. You mite just be thinking about building your own business, be it online or offline. I would like to mention a few advantages that affiliate marketing has over a conventional business, it does not matter what you are going to be selling, it all boils down to peoples needs, be it on or offline.Which niche is the best for me?How many times have you been told: You have to find a niche, a niche that you are interested in and have some basic knowledge about what you are going to be selling. Yes, that is quite true if you are building an offline business, having to speak to customers about maybe some tech stuff or do a calculation for a heating system etc. etc. If some one wants to buy some thing nowadays where do 85% start looking? They start doing research online, trying to find the best or maybe just the cheapest offer.How many people shop online?Once they have a good offer, they mite phone the local business (you) and try to get a better price. Who do you think is going to win? If you are a great salesman you chances are fair, if you are not a master in your niche you are going to lose. How many of us are great sales men? One out of 30 are really good at there job (mainly self employed), the rest do not give 120% to win you as a customer.Advantages, affiliate marketing.Ok, on the other hand you have an online business let’s just call it affiliate marketing for the moment. Do you have to be a master of your niche? No you do not; you can sell anything online without having any knowledge what so ever. Let me give you an example from my past on going experience.I have been selling wine for the past 22 years, 20 offline and 2 years through an online shop. The first 20 years was more or less door to door, 12 – 14 hours a day 6 days a week, the last 2 years with my online shop, it took nearly a Month to set up and before the first customers started ordering. I am not making as much online as offline around 35% less but it is more or less setup and running on its own! At the end of the day the money made is nearly the same due to the fact that I have fewer bills to pay i.e. Petrol, Hotel and a few other things.Having more time on my hands, I started to dabble at affiliate marketing, not easy to start with but once you find the right niche and how to advertise your offer it’s fantastic. What do I sell online, books (real books), wine of course, information products, mobile phones, Ariel’s for cars or houses and Internet Marketing tools. Oh! Nearly forgot, ClickBank products. The only niche that I am a master of is the wine niche, all the others are just copy and paste, I build 3 – 5 new websites a week, put them online and let them run on there own. That’s the beauty of affiliate marketing or online business in general, if you have no luck with one, go to the next. I love it.Well folks, that was just a small insight as to what I am up to there will be more to come soon.Get started today, build you affiliate marketing business the easiest way possible, just follow others that are successful and do what they do.