Make money,We learn to make money.

by Christopher M. Knight

Bloggers blog. That's what they do. A blog is short for 'weblog' and it's really an online journal that can be updated easily and frequently without any knowledge of HTML code.

Traditionally, article marketing has been used by authors who are promoting their books or information products. Lately, I've noticed a growing trend of bloggers using article marketing to grow the traffic to their blog and you should too.

Three reasons why it makes sense for bloggers to engage in article marketing:

1) You've already got a lot of content produced in each of your blog posts. 200 words should be your floor for each article that you produce. In some cases, you already have enough words per post to create 10-50 articles instantly. If you don't, then stitch posts together of a similar theme until you have 200+ word articles to put into article marketing distribution.

2) A blogger has the same traffic building problems that any typical website has, and therefore article marketing can help your blog in the same ways it can help a non-blog website. Benefits include qualified traffic coming to your site year round, quality backlinks being built without any messy recip-linking campaigns, and you're expanding your reach to other experts that might not otherwise have found your blog.

3) Bloggers by nature are more Internet savvy than your typical author. With this said, most bloggers already understand how to create revenue with pay per click (PPC) advertising programs. As such, you already know how to produce keyword intelligent titles for their articles. This guarantees maximum traffic impact for each of your articles.

If you are already a blogger and are new to article marketing, here's how you get started:

1) Produce a cache of 10-25+ articles from your existing blog content.

2) Submit them to the major article directories and any that are niche-relevant to your field of expertise. You may also wish to submit them to ezine publishers directly from your niche.

3) Rinse and repeat until you have 250-1,000+ articles in distribution this year. Hire a college student or editor if you don't have time to get this strategy into practice as it'll be well worth it.

4) Watch your traffic counter slowly rise, day by day as your articles work hard for you delivering qualified traffic to your website year round.

Article Marketing as a strategy will not break your traffic counter on your first month of investing in this strategy?but, I guarantee if you engage in this strategy, your blog will grow in traffic and popularity beyond the traffic you were already creating by simply blogging. You knows, you might even increase your sales, land a new job, or improve your rank in the search engines as a side-benefit from your article marketing strategy.

and if you want more than 1000 free articles go to Blogging, RSS & Feeds info


About the Author
Christopher M. Knight invites you to submit your best articles for massive exposure to the high-traffic http://EzineArticles.com/ directory. When you submit your articles to EzineArticles.com, your articles will be picked up by ezine publishers who will reprint your articles with your content and links in tact giving you traffic surges to help you increase your sales. To submit your article, setup a membership account today: http://Ez

Jayde Online, Inc. © Copyright 2007, All Rights Reserved.

by SF CHIN

You spend hours every day with your blog. It's become a labor of love. Would it be nice to find a way to make easy money on the internet with your blog?

There are ways to make easy money on the internet with blogs. Make easy money on the internet tip #1: Host ads. The easiest method and is probably seen on most blogs is to host ads, such as with Google Adsense. When you let Google put their ads on your site and get paid when people click on the ads. These get mixed reviews. Some say they make a lot this way, but many people do not report much income. Since they are free to ad to your site, it does not hurt to try.

Make easy money on the internet tip #2: Affiliate programs. Affiliate programs work on blogs as well as they work on websites. Affiliate with companies that sell products related to your site. When people click on the link in your blog and purchase a product, you profit. This is another way of making money online with blogs that doesn't cost you anything. If you are passionate about a product and write about it, this can work well.

Make easy money on the internet tip #3: Write articles. If you have a website, blog about some aspect of it and provide a link. Your blog can effectively sell the product, and all the customer has to do is click to your site and order it.

Make easy money on the internet tip #4: Leverage on the Search Engines. You will never make money with your blog unless people can find it. Search engines seem to prefer blogs because they tend to be content rich. It helps to stick to one topic. If your blog serves a niche market, it will have less competition.

In conclusion, it is possible to make easy money on the internet with blogs. Consider your blog as another avenue for making money online with little or no cost. Write about what you love, market your blog, and you could be on your way to creating successful at home businessess


About the Author

SF Chin is an Internet Home Business Expert
who specializes in Affiliate Programs.

To find the best home based business ideas and
opportunities so you can work at home visit:
http://MassiveIncomeStreams.ws

For more valuable resources, visit his blog at http://www.soofatt.com

Jayde Online, Inc. © Copyright 2007, All Rights Reserved.

By: Sacha Tarkovsky


We all want to build wealth so here we are going to look at a simple way to do it, anyone can do.

By investing a small amount of money, you can build wealth quickly and more importantly, with low risk.

Anyone with a small amount of seed capital can build wealth, so lets look at how to do it.

1. High return

If you have a small amount of capital you want a high growth rate and when we say high, we mean 30 – 100%.

There are plenty of ways to do this, but what we want to build wealth is high returns and low risk.

So can you get high returns like the above with low risk?

2. Low Risk

The answer is yes.

Were going to look at one of the safest highest return investments you can do in a bit later, but lets look at the real secret of building wealth and its:

3. The power of compound growth

To gee wealthy you need to understand compound growth. Compound growth is simply making your money work for you and getting exponential growth.

Consider this if you make 100% on 5,000 you have $10,000 but do the same again and you have $20,000 and this exponential growth can build huge money in time.

So what investment offers this that is easy to understand, easy to do and offers low risk and high returns?

The answer is land.

Buying land in areas where it can be sold to developers quickly can make huge gains – but you need the right location.

A good location is Costa Rica. Just a three hour direct flight from the US American and other foreign nationals are going to this paradise country, to get beach front property at up to 70% less than in the US.

Buying land here has been making huge gains for savvy investors and best of all prices show very low volatility.

It’s easy to do

Costa Rica encourages foreign investment and here you get the same rights as residents, tax advantages, the buying process is simple and planning permission straightforward.

Also, by buying land in a dynamic developing economy parcels of land are far cheaper than in developed countries making it something all investors can do.

Land is one of the best ways to build wealth.

You have high returns and low risk and compound growth soon kicks in, to make money fast.

If you have never considered investing in land you should, its one of the best ways to build long term wealth and make money fast.

About the Author:

FREE WEALTH BUILDING REPORT

On all aspects of building wealth and making money in Costa Rica land visit our website for a huge resource of articles, features and downloads and at http://www.net-planet.org/index.html

Source: Free Articles from ArticlesBase.com

By: Continuum Strategies

Let's talk about your personal online money-making empire. What would that look like for you? Would it mean the freedom to work when you wanted to, how you wanted to? Would it give you more time at home with your kids? Would it give you the time to pursue your hobby?

So how would that money-making empire look? Would it sell products, services, information? Would it direct traffic to someone else's product, service, or information? Would it be automated? Would it work even when you aren't working?

Let's cut to the chase:

1) You must have a highly targeted focus. You will only build your empire by focusing like a laser. You will only become financially free by becoming an expert at something, and doing that one thing well and with passion. You can only become an expert at one thing at a time. Think about the past. You've tried this, or tried that. Even now you have 4 different projects going. None of them highly successful. What would happen if you dropped all but one of them and focused on being the very best in the whole world at that one project. Where would that project be in 90 days, 6 months?

2) Once you have chosen what to excel at, develop a game plan for mastering it. Invest in your education. Learn more about your new specialization than everybody else. Become an expert. Become the expert others come to for advice.

3) Take action! There is a time for learning. You must learn to become great. But many people online spend their time learning, always looking for the easiest way to make a buck--but they never get anywhere, because they are always learning about the newest, greatest, fastest, rather than applying the newest, greatest, fastest. You will only succeed at the rate at which you are applying your new information. What does that mean today? Rather than just thinking about how to do something, just do it. Do everything you know. When you get to a roadblock, stop and learn more. But right now, today, do what you know.

4) Be willing to innovate. You do not have to do it the same way everyone else does. I get tons of emails every day. Nearly all of them look the same, feel the same, evoke the same feelings within me. But a few stand out. They get read. They get clicked. They are different. I am tired of the same old thing. Innovate.

5) Be better than anyone else. Don't limit yourself by thinking, if he is making money with that, I'll just do that and it will work for me. He has a jump start on you. Don't do it his way, do it better. Do it better and the business will flow your way.

6) Think big--bigger than you are. We generally get what we visualize. You think you cannot make money online--you are right. You think you can make $500 a week. You are right. You think the sky is the limit? You are right.

7) Be willing to give it everything. When you were in school and you just wanted that degree, what did you do? You gave it everything you needed to graduate. You stayed up late at night studying. You did whatever it took. What about your last job hunt? You had been out of work for awhile. You needed that job. So what did you do? Everything you had to to get it. Do the same thing online. Do whatever it takes to become successful.

About the Author:

Recieve "The Complete Idiot's Guide To Building A List" FREE and find out how Continuum Strategies is helping so many online business marketers achieve thier financial goals, 100% FREE visit: http://www.continuumstrategies.com

Source: Free Articles from ArticlesBase.com

By: Stuart McIntosh

5 Tips To Get Started Making Money Online

This article is aimed to help people of all levels generate income online almost immediately and at no cost.

1.Visit clickbank and sign up for free. This means that you can start promoting products fast. Select a product that you would like to promote that pays well.

2.Get a domain name related to this product ( a Domain name is optional )

A domain name is a www. Site. Now that you have a domain name and a host you need to redirect it to your product that you are promoting with clickbank.

3.The next step is to get people to your domain name and buy the product from you so that you will earn a commission.

The best way to do this is to start an adword campaign with google and SUBMIT ARTICLES.

Write articles related to this product and submit as man as you can all across the internet on sites like this one. This will generate a lot of traffic for you.

4.Register with forums and chat to like minded people becoming professional and getting help and promotion everywhere.

5.Collect your checks from clickbank every 2 weeks!!

There you have it... It could not be easier and involves very little cost. This is this basics of this business and as you get more experience you can create your own products building mailing lists etc.

I hope this helps..

Now Get Out there and Make Your Money by remembering to write articles!!

All the best folks

Stuart McIntosh is an internet marketing guru dedicated to helping others make money online. http://www.e-booksparadise.co.uk/

About the Author:

Stuart McIntosh is an internet marketing guru dedicated to helping others make money online. http://www.e-booksparadise.co.uk/

Source: Free Articles from ArticlesBase.com

By Henry Goh

Remember that there is no short cut to become a millionaire, there is not quick scheme to get your first million if you do not follow these rules:

1) Start investing TODAY! It is never too late no matter howold are you now!

2) Set your target- write down what you want to achieve in life! Never just picture that in your mind, I strongly advise you to write your aims of life on a piece of paper and read it EVERYDAY!

3) Buy shares and mutual funds, never think that you will get rich by putting your money in bank! If you put your money as fixed deposit, the bank will get rich and not YOU!

4) Never speculate, buy blue chips shares. Never expect to get 100% returns in months, always think of long term investment! Speculators will burn theri fingers in one day.Believe in yourself and follow rules in investment!

5) Invest EVERYMONTH, has an outlined plan, invest consistently and enjoy investing!

6) Hold your shares and never buy-sell and hope to get good and fast returns. Studies show that millionaire investors usually hold their shares more than 5 years!

7) Plan your tax and estate properly, it is useless if your money and estate die together with you!Leave your estate to your children!

8) Be consistent in everything you do in life! Take necessary risks to have good returns. Rich people take calculated risk!

Hope these tips help you! Visit:
www.investing-tip.com and www.young-investors.blogspot.com for more tips!!

Dr Henry Goh, a physician by profession but has strong interest in money management and investment!

Article Source: http://EzineArticles.com/?expert=Henry_Goh

By Johan Holmberg

1. Money is an idea. In other words, money is what you think it is. It’s whatever your own reality is telling you that it is. If you think having a lot of money is evil or a topic you should not talk about then that’s the kind of relation you’ll have towards money. If you think money is fun to acquire and you love talking about how to get better at it, then that’s the role it plays in your life. I’m not saying one relationship towards money is better or more accurate than another. That’s entirely up to you to choose. But make sure it really is a choice and not something that you automatically accept as being true based on what you were brought up to believe that money is.

2. Money is exactly as important as you make it. Continuing on the previous insight it’s again a question of your own context. If you think money is an unimportant part of your life, then becoming rich is not important either. If handling money in a productive way is important to you, then financial abundance is a logical and natural goal to achieve. However, there’s a difference between being broke and not wanting to become wealthy, and being broke and not knowing that you have the power to become wealthy. Everyone has the potential to make a shift in their relationship towards money.

3. Money does not make you rich. Money has the power to make you both rich and poor. Being rich, poor or middle-class is a question of mind-set. The way you handle money simply shows what kind of a mind-set you’re equipped with. A perfect example of this is when somebody acquires a great sum of unexpected money. Poor people will just end up poorer and rich people will end up richer.

4. Money does not solve money problems. This is closely linked to the lesson above. There are certain people I definitely would not lend money to because I know it would make more damage than good - for both of us. The person would only get further in debt and have an even poorer mind-set, I would suffer from having my money jeopardized and our relationship might suffer in the end even though the initial intention is of a good nature - to help a friend in need. Giving money away simply does not help, but giving advice that proactively eliminate money problems in the first place is easier and a more productive way to help.

5. Everyone has money problems. The poor, the middle class, the rich, the government, the church, the old, the young, all the companies, everyone has money problems. Simply having or not having money is not free from responsibility to think things through. It’s just a question of which problem you rather have - the problem of no money, or the problem of too much money. Different financial situations simply have different degrees of money problems. Having more money in contrast to having less money is usually much less urgent and problematic to deal with.

6. The lack of money is the root of all evil. This statement is much more accurate than the statement that money is the root of all evil or even that the love for money is the root of all evil. Think crimes, riots, insecurity, emotional instability, selling drugs and weapons, poor health care, ignorance due to poor education and much more. People have to address their primary needs to live, and the more basic they are, the easier the leap is to give in on their values and break the law.

7. The link between money and happiness. Money alone does not dictate happiness or unhappiness. There are happy and unhappy rich people just as there are happy and unhappy poor people. However, unexpectedly not having any money would make me unhappy and unexpectedly getting more money would make me happy. But these are temporary feelings and have nothing to with the overall happiness towards life as a whole. Therefore, it’s pointless to generalize rich people as unhappy or even relatively unhappy compared to their wealth and make this notion stop you from becoming rich. You alone choose the level of happiness and the general opinion about this issue is nothing else than what you think that other people are thinking.

8. Money is not linked to personal values. Having a lot of money or having very little money does not relate to what kind of values a person has. But, money has the power to take those values from within and out into the daylight. It has the power to reveal a person’s true nature and intentions once the bets are getting higher. The tough thing about it is that if the values and intentions are bad, they might not show up until it’s too late. Accordingly, a truly good-natured person might not show their worth either until the money sums are getting really significant.

9. The more money you get, the more money you end up giving. If you think being rich is seen as hoarding money and being greedy, then remember that it can’t be taken into the afterlife. It does not matter how much money you make during your lifetime, every single penny will be passed on to others sooner or later. The richer you are, the more money you keep circulating out from your expense column into someone else’s income column. Eventually it will all go into other people’s pockets, but that’s not as important as the lessons you can give in life or lessons you can give on how to handle money.

10. Money comes to those who know how to handle it. This is a question of education. The better your education about money is, the more it will flood into your life. The school system does not teach it and whatever you think is right is what your family has passed on to you. It’s up to you how financially literate and intelligent you want to become. People knew the very basic laws of how to handle money as far back as 4000 to 6000 years ago in Babylon and they are just as valid today.

11. Money does not have to require effort. You can generate income both from trading your time and effort for it as well as not trading your time and effort for it. This is the concept of either working for money, or having your money work for you. But, you can do both until you’ve reached the point where you don’t have to work for money, a.k.a. reaching financial independence. It’s also important to note that people who are financially free don’t automatically equate as being either productive or unproductive towards society. Being free from having to work for a living can both mean that such a person is now doing no service to others as well as being actively involved in helping others 24/7 to the best of their ability.

12. Money has the power to give both security and freedom. Sometimes I stumble upon the concept that freedom and security are each others opposites. I’m not saying that this statement is incorrect, but I want to emphasize that money, or more specifically financial independence has the power to give both security and freedom in life. There’s the freedom of doing what you want as well as the financial security of not being concerned of how to get along and stretch your pennies.

13. More money does not mean you have to work harder. With most of the lessons gone through, this is a bit of a summarizing statement to the previous ones. It’s the ‘working for money’ model of reality that enforces the notion that in order to get more money, you have to work harder. It states that the income is directly proportional to how much you labor. One step past this is to start skewing that proportional scale to a greater leverage, but the ultimate step is acknowledging that generating income might not need any form of labor or effort at all.

14. Money is infinite, not limited. This statement is to bust the myth of fixed resources. More money to you does not mean less money to others. Money and wealth grows and expands for every minute and becoming wealthier is not just about receiving other people’s money, it’s also about creating more money and abundance all together in the world. Destroying things of value is what eats up wealth while creating assets is what feeds more wealth.

http://www.TheProbabilist.com - Improving Your Odds in Life

Article Source: http://EzineArticles.com/?expert=Johan_Holmberg

By: Benedict Rohan

Once you've got a good idea of whether your business is viable and you've analysed the market, it's time to draw up a business plan.

What is a business plan? It's a detailed analysis of your business, including its objectives and its finances. It provides an insight into the purpose and vision for the company and how its goals will be achieved, and sets out the financial requirements for the company as well as its projected earnings potential.

Use it as a reference guide, which you can refer to at regular intervals to help you stay on the right lines. Don't treat it as gospel though - business needs change over time and therefore so will the business plan. If you keep on top of this and amend your plan accordingly, it will help to ensure your business continues in the right direction.

There are two main uses for the business plan. The first is as a sales tool to help you present your case to lenders, investors and potential business partners. The second is for your own internal use, as a gauge against which you can measure your company's development and progress towards its objectives.

Your business plan therefore needs to be a compelling document that will impress people and convince them of your ability and the viability of your company. To make it credible, you'll have to back it up with detailed research and accurate financial forecasts. Be careful not to make it flat and lifeless though. Don't just present the facts and figures - turn them into a meaningful and exciting business case. A word of warning though: keep your feet on the ground at all times and ensure that your analysis is truthful and realistic. Investors and lenders will see right through the hype if you overdo it. Also, it is in nobody's interest to create a misleading impression. On the other hand, though, don't aim too low. Objectives and financial forecasts that seem far too easy and conservative will not impress and will not provide you with any challenge or incentive to reach your company's full potential.

You need to make your report balanced. Be upfront about both strengths and weaknesses. Put a positive spin on the weaknesses, though - demonstrate what you will do to overcome them.

Your true excitement and confidence in the business will only come across if you write the business plan yourself. It will also help you to develop an even deeper understanding of your business and what you are trying to achieve. There's no harm in asking experts for help with some of the tricky areas, though, such as the financial projections. It's also a good idea to get someone to look over it for you after you've completed it to make sure it flows, makes sense and forms a coherent whole.

The basic structure of a good business plan is as follows:

Summary - a concise synopsis of your company and the plan. This may be the only part of your report that a potential investor or lender will read - they are often inundated with similar reports and documents and can make snap judgements on whether something is worth further consideration based on reading these crucial couple of pages. Always write the summary once you've finished your plan to make sure you don't miss anything out. Make it confident and attention-catching.

Company information - provide some context by outlining what your company is all about. Include the structure of the organisation, its history, information on the industry, an analysis of the customer base, a description of the products or services offered. You'll need to give all the facts to help the reader understand what your company does, but provide more than this. Don't just describe what your company does, but also what makes it stand out - its benefits and key selling points.

The team - outline a brief CV for each of the members of your senior team. Also include any external consultants whose services you employ. Make it clear what they can bring to the company. Then outline the structure of the rest of your company, perhaps using an organisational chart. Show the different departments if relevant and explain what types of positions will be held in each of these areas. Provide a plan as to how you will recruit, train and manage your workforce.

Promotion and sales - here's where you should include all of your market research. Show that you fully understand your intended customers and your competitors. Outline how you will deal with competition in the market. Explain your plans for advertising your business and promoting your products and services.

Operations - how will your business work? Provide details of where your company will be located, whether it will own or rent its premises, what materials and equipment you will need, what IT and other systems you will use, and who your suppliers will be.

Financial analysis - Summarise the figures at the beginning of the section to outline the main messages - numbers and graphs aren't always easy to interpret. Include costs for every area of your business and do an in-depth projection of the financial outlook for the company for the next year, as well as an outline sketch of the likely financial future over the next five years or so. You should include profit and loss accounts, cash flow, sales projections etc. Also outline how you arrived at these estimates - the reader will want to be reassured that they weren't just plucked out of thin air. Also, as you're likely to need to borrow in order to start up your company, your financial analysis should include details of the amount of money you require, how it will be used and where you intend to obtain funding. Think of your business plan as an application form for loans or investors - anyone who is considering backing you will want to see it.

Objectives - be clear about where your company is going and what you hope to achieve in the form of solid objectives. As always, objectives should be SMART - specific, measurable, achievable, relevant and time-bound - in order to be meaningful and helpful. The objectives will give a clear indication of how you intend to achieve what you want for your business. To wrap up your plan, you could also include a more general future vision for your company, to give lenders or investors an impression of how your company will shape up and what financial returns they might receive from it.

About the Author:
Benedict Rohan - Website: http://www.mortgagenation.co.uk Benedict Rohan works as a freelance finance writer. Commercial Mortgages.

by: Vernon Anthony Johnson


Many people today are looking to own and run their own business. To do that they mainly have three main choices.

1. Buy a franchise
2. Start from scratch to develop there own type of business.
3. Buy an existing business.

When talking about capital to start or buy a conventional business we are not talking peanuts here; all these types of businesses will most likely require a substantial sum, perhaps in the hundreds of thousands of dollars.

They will usually require staff so suitable computer expertise for accounts and wagers and also people skills in the workplace are required. There are always some problems with staff which can cause difficulties.

In a conventional business you will require premises. If you have bought an existing business then probably rates and maintenance are your two main expenses with the existing building bought with the business. If you need to rent a premise then you may require a refit for your purposes which may cost tens of thousands of dollars. This would depend on the type of business which may require certain expensive machine or electronic devices which could be various and very expensive. Then you would need computers and office furniture in varying quantities. All quite expensive items. However you look at it there are considerable costs involved when starting a business some of which will be ongoing. i.e. interest on the loan, staff wages and rent etc.

If it comes to the worst and it all goes belly up look at what you might lose? The equity which was used to finance the loan - most likely the property you live in because you couldn’t pay off the bank overdraft. The fixtures and fittings which you purchased which now would be of use to you and any equipment you purchased which may have to be sold invariably at a loss.

So you sold everything to try and pay off your debt but that wasn’t enough so you have to leave the home you loved and look for rented accommodation. Then many years later you might crawl back to where you were before the time of the crash. The statistics for new conventional type business success are not good.

In a conventional business if you need advice you usually have to pay for it although with a franchise some is available free. With a franchise I understand it does not usually include business mentoring. So if it’s new to you, you may have to pay for that help. In MLM home based business with a good company the marketing help comes as part of the deal.

Why you may ask?

Well because the MLM I am recommending is structured so that the person who does the recruiting also helps the people they recruit. In making them successful they all financially benefit. This team building is the essence of success in MLM marketing and people who have done this for a few years reap large rewards without having taken a huge gamble to raise equity.

So if we look an MLM business which costs less than $2000 initially and potentially enables you to earn hundreds of thousands of dollars a few years down the track why wouldn’t that be much more attractive to you than risking your house?

There is the company which excels in all respects and is ideal for MLM people:

? It is debt free
? Publicly listed on the NASDAQ
? Achieved 1.5 billion turnover in the first five years
? Is a global business operating in ten countries and six more 2007.
? Ranked number 5 in the 200 Best Small companies by FORBES in the US.

If we summarise the benefits then we are talking about a business which:

1. Does not require a large amount of capital
2. Does not require you to hold stock.
3. Does not require staff.
4. Does not require you to rent or buy expensive premises because you can work from home perhaps from one room set aside as your office.
5. Enables you to make an income relative to your efforts which could be in the six figure bracket after a few years.
6. Does not confine you to office hours - you can work at a time convenient to you and your family.
7. Will still function once established without loss of income if you decide to take a long holiday.

Why then would anyone wanting to start a business not want to take the least expensive option?

The MLM choice comes without all the financial risk and headaches.

You can have the same earning potential as the conventional business with total support as part of the deal.

For more information, contact Vernon Johnson

11/134 Hill Road, Runcorn, Brisbane 4113 Australia, biohealth@aapt.net.au

2. Does not require you to hold stock.
3. Does not require staff.
4. Does not require you to rent or buy expensive premises because you can work from home perhaps from one room set aside as your office.
5. Enables you to make an income relative to your efforts which could be in the six figure bracket after a few years.
6. Does not confine you to office hours - you can work at a time convenient to you and your family.
7. Will still function once established without loss of income if you decide to take a long holiday.

Why then would anyone wanting to start a business not want to take the least expensive option?

The MLM choice comes without all the financial risk and headaches.

You can have the same earning potential as the conventional business with total support as part of the deal.

For more information, contact Vernon Johnson
11/134 Hill Road, Runcorn, Brisbane 4113 Australia, biohealth@aapt.net.au

When you leave school, you can start building a credit record for yourself. The only way to do this is to go into Debt. You think you can handle it: paying off your credit cards every month, staying up to date with all your other monthly payments. You're earning an income, living the high life and you can handle anything that life throws at you.

Then Disaster Strikes - the car breaks down or someone in the family gets ill, and you rapidly realize that you're getting over your head. When the curve balls come your way, getting into debt can sometimes be the only way to cope.

All to soon, the Money coming in just doesn't cover your monthly expenses; you find yourself going deeper and deeper into debt just to make ends meet. And everybody who was so nice about giving you the credit in the first place, suddenly turns nasty and starts making demands.

Nobody likes to find themselves in this situation, yet it happens more often than you realize. It not only affects you emotionaly; it has an impact on everybody around you as well. Nobody like owing money and nobody likes losing sleep over Debt. But what can you do to get out of the downward spiral - so often a feeling of total despair hits you.

Eight Simple Step to get out of Debt.

Well here are 8 steps to actively follow to get the ball rolling and help get you out of debt quicker than you think.

Step 1: The first thing you have to do is to admit to yourself that there is a problem. It's amazing how many people would rather ignore it, and just hope that it goes away. So, admit it, just say: "I'm in big trouble". This step actually forces you to start looking at your problems.

Step 2: Stop making Debt! Right Now.

Step 3: Create yourself a Budget for every month and determine what you're spending where. Look at your income and your expenses and determine how much you can spend on debt repayments.

Step 4: Now comes the hard part. Make a list of all your short-term debts and the full amount that is outstanding on each and every one of them. These include your credit-cards, clothing accounts and even the monthle contract with the video store. Anything that you have to make a monthly payment on where you've received credit. Don't worry about your big debts like your Mortgage and Car Payments. We'll get to those later.

Step 5: Input all of these debts into a spreadsheet and add them up. You'll find this a big eye opener. Now, you have the real picture of what you truly owe. Only now will you be able to actively start attacking your debts. Sort your debts from the smallest debt to the biggest debt. The key is to start with paying the smallest debt off first and then the next in line and so on.

Step 6: Now you need to determine how much extra you can pay every month over and above what you are already paying in monthly repayments. Look at your Budget that you created in Step 3 and see if you have a bit of extra money available from you monthy income after all your expenses have been deducted. If you do - great. If not, see where you can make cuts, such as luxury items on your grocery bill. We're not looking for a big amount, just that little extra.

Step 7: Start paying the extra money you created in Step 6 towards your smallest debt (in addition to the normal monthly repayment) and continue doing this every month until it's paid off. Once that smallest debt is paid off, you'll have some extra money available. Don't spend it! Use he money freed up to pay off the next debt in your list of debts (once again, in addition to the normal monthly fees) until this one is also paid off. What you have here is the snowball effect : Every time you pay a debt off, you'll have bigger and bigger chunks of money available to pay the next one off quickly

Step 8: You've paid off all your small debts and should have quite a pile of extra cash available every month. I know it's tempting to spend it, but the best place for that money to go is into your Mortgage - So invest your money into your own property. Why? Your mortgage is probably the biggest long term debt you will ever sign up for. For every bit of extra cash you pay into your bond in addition to your monthly payment, is offset against the capital amount of the loan. The less capital outstanding on your bond, the lower the monthly interest you have to pay over. And the added benefit is that you'll pay the mortgage loan of faster. It can make upto 3 or 5 years difference. I'm not saying use all of it, but a big chunk of that money needs to go there.

These eight steps will help you get out of debt pretty quickly - It's NOT easy, and requires you to become disciplined with your money. You can get out of the situation, but the only person who can help you out of the hole is You.

Take control. Follow these 8 simple steps. You will be on your way to become debt free in no time at all.
If you have serious problems getting out of debt, consider Debt Consolidation which can give you some breathing space to help you get out of debtGerard Korsten runs the website http://www.debtconsolidationweb.info/ to help people get out of the great silent killer - Debt.


(Source: http://www.articleavenue.com)

Financial Planning Tip #1 Pay off Debt

One of the biggest factors fighting against financial planning is debt, especially credit card debt. If something starts off as a small debt it turns into a big one simply because you were not paying off the debt. Financial planning means you have a plan and paying off debt should be the first goal of your plan.

Financial Planning Tip #2 Invest

Another financial planning tip is to invest. Financial planning means you are saving for the future in many cases, so you will want to take money you earn today and invest in the stock market, in bonds, IRAs, 4019k) or a mixture of all of the above. Saving your money with the help of financial planning will help money grow all on its own.

Financial Planning Tip #3 Spend Less than You Earn

This is tough for people to understand and often times what they resist most when they begin financial planning. This is because Americans always want what is bigger and better. Regardless, financial planning is more important than consumerism. Make spending less than you earn part of your financial planning.

Financial Planning Tip #4 Budget

A great financial planning tip is budgeting. You won’t be able to save unless you know what you spend. Make budgeting part of your financial planning and you will realize saving is not so hard.

About The Author:

Jay Moncliff is the founder of http://www.mileniumfinancial.com a blog focusing on the Financial, resources and articles. This site provides detailed information on Financial. For more info on Banking visit: http://www.mileniumfinancial.com

(Source: http://www.articleavenue.com)