10 Commandments of Personal Finance

For some people, getting personal finances in order is more grueling than wandering the desert for 40 years. But it doesn’t take a miracle. If you are looking for some basic guidelines, just follow these 10 commandments:

1. Thou Shalt Take Action
Reading about how to improve your personal finances is a start, but it has absolutely no meaning if you don’t take the action of putting what you learn into motion. Before you can get anywhere with your personal finances, you need to begin — right now. If you are reading this article, you know that you should be taking steps to get your personal finances in order.

Print out this list and place it where you will see it every day, so that you are reminded that personal finance is a priority in your life and that you will take some action each and every day to try to improve your lot. If you aren’t sure where to begin, start with getting your banking accounts in order.

2. Thou Shalt Pay Off All Credit Card Debt
Credit card debt is, in most cases, continue reading »

Want a Home-Based J.O.B. or Home-Based Business – What Type Are You?

I think many people who respond to home based business opportunities are actually looking for a j.o.b. and not looking to be in business for themselves.
Here’s a few of the differences (in my opinion)….

A home based job and those looking for one:

• Something you do for someone else, and they dictate your time, method of completion and compensation
• This person usually wants to take no monetary risk and wants a guarantee that they will see a "return on investment" (ROI) within a matter of weeks
• This person usually continue reading »

The Most Effective Way To Market To Today's Moms

Today, I want to share with you a source I periodically use, and the recent email I received from this group. They have a plethora of information on any target market you may want to know more about. Here’s the latest from them…..

As with most groups, there is no homogenous "moms market."

There are nuclear family moms. Traditional moms. Working moms. Military moms. Single moms. Lesbian moms.

There are motherless moms. Teen moms. Neurotic moms. Black moms. Moms with Ph.Ds.

You get the idea.

And while each of these subgroups — and scores more — has certain unique characteristics, there are also common bonds that cut across most mom groupings.

The research study What Moms Think & Do, just issued by EPM Communications, publisher of the monthly newsletter Marketing To Women, continue reading »

Successful Home Business So You Can Laugh At The Headlines

Looking at the business section of a local newspaper can be enough to give even the stout-of-heart more than pause for worry. Economic times, worldwide, have taken a shift toward hard times ahead. "Liar loans," long the mainstay for unscrupulous mortgage lending (requiring no proof of income or assets) are but a fraction of the troubles facing many.

Other headlines indicate even more mortgage lending problems. Consumers are using credit cards to cover expenses now that their home values are declining. Yes, overall there is more financial doom and gloom at the moment then reason to celebrate.

Suggestion – Quit listening to CNN (Constantly Negative News). It will only paralyze you into "inaction." You will find yourself dwelling on the negative, which will then become your mindset. Instead, focus on the positives. This is a Global Economy with opportunities as abundant as your dreams.

Many (in spite of the U.S. economy) want to pursue home based businesses either to supplement their income or to make a change in lifestyle. The internet is a natural beginning point to search for a business that’s right for you.

But with too many options to choose from – many mere pie-in-the-sky hopes for instant riches – what constitutes a solid work at home business plan since having a plan is so critical?

A solid home business model should encompass three stages :

1. The means to get you out of your current financial situation
2. The tools to provide you with access to solid investments
3. The ability for you to also help others do the same.

Applying Stage One

A highly recommended plan of action would be to create the means (the money) to even start your home business. Versus taking out loans, charging up your credit cards, or begging your relatives for money, consider getting your personal finances in order. With a well-oiled system for getting out of debt, the freed-up money now becomes the source you use to go into business online. This can be done!

However, buyer beware. There are systems and services online – and broadcast all over the television – promising to get you out of debt. (Some even promise to make you rich!) Many are legitimate, many are not. Don’t fall for believing everything you hear; due diligence on your part is the key. Desperate people do desperate things. Step outside desperation and get the assistance you need to have a solid debt-relief plan.

With that idea in mind, again there are companies at your disposal to help you. Turning to professionals for help – even if you believe you don’t need help – may be the turning point that has been missing in your life.

Coming soon… How to accomplish Stage Two

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ABOUT THE AUTHOR

Janet Giacoma provides home business directions to put you on the road to financial freedom . Your time-tested, proven solution is just a click away.