How to Start a Home Based Business While In Debt
A lot of people wish that they could start a home based business but they feel that having too much debt is what is holding them back from it, so they don’t wish to proceed with it. Most people believe that in order to start a business from home you have to have a large amount of cash in the bank.
Should not having enough cash hold you back from your goals and dreams of starting a home based business? NO! Look at larger companies like Dell or Apple. They started those companies out of their garages! There are also many stories of people starting businesses online with much success. Just take a look at Internet Marketing experts like Mike Dillard or Tracey Walker for example. Listen, if you have the drive and the willingness to get started and make it happen, you can do so too.
Low or No Cost Steps to Getting Your Home Based Business Started
Identify the skills that you already have whether it be in sales, customer service, coaching, childcare, administrative support, web design, social media management, bookkeeping, etc. Then choose what type of business is right for you.
Choose a business that doesn’t require a large amount of capital to start, like this one for $40 or this one for $19.95 which can allow you to sell products online and make a profit. The lowest cost businesses are based on services you can offer to others right from the comfort of your own home. The ones with the lowest start up fees are usually in the direct sales and network marketing industries. These types of businesses even allow you to build a team of people who also wish to work from home and you can earn a percentage of what they make from the company.
Set up your office by using equipment you already own. A phone, desk, all-in-one printer, a computer, a filing cabinet…
Use the cash you have available to you and do NOT invest in new equipment until you start turning a profit.
Related Reading: How to Eliminate Debt
Take advantage of free resources to help you get started. You can contact your local Small Business Administration office or SCORE online and even if you don’t have a computer yet you can still use the one at your local library until you earn the money you need to buy one. Not only that but you can also visit your local Pawn Shop to see what they have available when it comes to computers. There is nothing wrong with buying used until you can get brand new. Your local library is a great source of information when it comes to business information. They also have books, videos and tapes related to business and success.
Use free online resources for email, blogging, fax services, conference lines and software.
Do create a professional business plan to use to borrow money. Now, while your debt situation may prevent you from obtaining traditional business financing from a bank, you may be able to get a grant or a loan through other sources if your business plan is a solid one. Like through the SBA (Small Business Association), micro-lenders or even investors.
Be sure to use low to no cost marketing and advertising strategies. The keys to success in business is marketing and advertising. To remain in business you will need people to know about your business and want to do business with you. If consumers cannot find you, they cannot buy your services or products. Inexpensive marketing and advertising techniques include a website, blogging, social networking, email marketing, news releases, business cards and off-line networking events.
Reinvest your profits until your business is creating one great, steady income. Do not be tempted to spend your business income to pay off debt or buy more stuff. It’s much wiser to invest your money back into the business. Simply identify areas of expenses that generate the greatest level of return, such as marketing, and invest the profits there.
Your success is depends on you so go for it! Once your income is flowing and your business is successful, you will be able to reap the benefits and treat yourself to a few toys!
Life is About Choices and the Decisions We Make
Life is like a road. There are long and short roads; smooth and rocky roads; crooked and straight paths. In our life many roads would come our way as we journey through life. There are roads that lead to a life of single blessedness, marriage, and religious vocation. There are also roads that lead to fame and fortune on one hand, or isolation and poverty on the other. There are roads to happiness as there are roads to sadness, roads towards victory and jubilation, and roads leading to defeat and disappointment.
Just like any road, there are corners, detours, and crossroads in life. Perhaps the most perplexing road that you would encounter is a crossroad. With four roads to choose from and with limited knowledge on where they would go, which road will you take? What is the guarantee that we would choose the right one along the way? Would you take any road, or just stay where you are: in front of a crossroad?
There are no guarantees.
You do not really know where a road will lead you until you take it. There are no guarantees. This is one of the most important things you need to realize about life. Nobody said that choosing to do the right thing all the time would always lead you to happiness. Loving someone with all your heart does not guarantee that it would be returned. Gaining fame and fortune does not guarantee happiness. Accepting a good word from an influential superior to cut your trip short up the career ladder is not always bad, especially if you are highly qualified and competent. There are too many possible outcomes, which your really cannot control. The only thing you have power over is the decisions that you will make, and how you would act and react to different situations.
Wrong decisions are always at hindsight.
Had you known that you were making a wrong decision, would you have gone along with it? Perhaps not, why would you choose a certain path when you know it would get you lost? Why make a certain decision if you knew from the very beginning that it is not the right one. It is only after you have made a decision and reflected on it that you realize its soundness. If the consequences or outcomes are good for you, then you have decided correctly. Otherwise, your decision was wrong.
Take the risk: decide.
Since life offers no guarantee and you would never know that your decision would be wrong until you have made it, then you might as well take the risk and decide. It is definitely better than keeping yourself in limbo. Although it is true that one wrong turn could get you lost, it could also be that such a turn could be an opportunity for an adventure, moreover open more roads. It is all a matter of perspective. You have the choice between being a lost traveler or an accidental tourist of life. But take caution that you do not make decisions haphazardly. Taking risks is not about being careless and stupid. Here are some pointers that could help you choose the best option in the face of life’s crossroads:
· Get as much information as you can about your situation.
You cannot find the confidence to decide when you know so little about what you are faced with. Just like any news reporter, ask the 5 W’s: what, who, when, where, and why. What is the situation? Who are the people involved? When did this happen? Where is this leading? Why are you in this situation? These are just some of the possible questions to ask to know more about your situation. This is important. Oftentimes, the reason for indecision is the lack of information about a situation.
· Identify and create options.
What options do the situation give you? Sometimes the options are few, but sometimes they are numerous. But what do you do when you think that the situation offers no options? This is the time that you create your own. Make your creative mind work. From the most simplistic to the most complicated, entertain all ideas. Do not shoot anything down when an idea comes to your head. Sometimes the most outrageous idea could prove to be the right one in the end. You can ask a friend to help you identify options and even make more options if you encounter some difficulty, but make sure that you make the decision yourself in the end.
· Weigh the pros and cons of every option.
Assess each option by looking at the advantages and disadvantages it offers you. In this way, you get more insights about the consequences of such an option.
· Trust yourself and make that decision.
Now that you have assessed your options, it is now time to trust yourself. Remember that there are no guarantees and wrong decisions are always at hindsight. So choose… decide… believe that you are choosing the best option at this point in time.
Now that you have made a decision, be ready to face its consequences: good and bad. It may take you to a place of promise or to a land of problems. But the important thing is that you have chosen to live your life instead of remaining a bystander or a passive audience to your own life. Whether it is the right decision or not, only time can tell. But do not regret it whatever the outcome. Instead, learn from it and remember that you always have the chance to make better decisions in the future.
Give Your Business A Boost By Blogging About it
Business blog is an incredible online marketing tool that saves you thousands of dollars but provides great business opportunities in just one click. Blogs are user-friendly, customized and flexible medium for disseminating useful information for effective positioning of your products in the market.
Companies engaging in business blogging have a definite edge over its competitors.
Here are some advantages to Business Blogging:
1. Word-of-Mouth. In a survey, there are currently 14 million blogs with 80,000 more being added each day and about 30 percent of the 50 million users are blog readers. Imagine how much gain your company will have, if your products are advertised through blogs. With Internet, information spreads so quickly especially if an impressive write-up goes with your product. Soon your blogs will be passed on to hundreds of possible customers.
2. Awareness and loyalty. Open communication with your customers creates trust and loyalty among them. Being there to respond to their questions and comments make them all the more willing to try your products and services.
3. Feedback. Blogs is good for product research and reviews. It would be easier to improve on your products if you observe your customers’ thinking and behavioral patterns. You can also take immediate action to your customers’ concerns.
4. Community halo-effect. Bloggers are reasonable, friendly and helpful. They are more than willing to create blogosphere of comments regarding your product. The only thing you have to do is embrace and take active part in the culture and your product will surely be considered in their next stop to the supermarket.
For better marketing results, actively promote your business blogs by submitting your blogs to blog search sites and directories. Do not forget to paste in with your blogs, your URL. Be sure that your blogs contain exclusive information with value and are always updated to keep readers popping in, read up your blog, move on to the next and click on again for updates.
A Blog is like a setup booth in the biggest trade show on earth everyday. Marketing possibilities are just around the corner waiting to strike your sale scales up.
The Really Simple Syndication (RSS) feeds are important too in conjunction with your blogs to get the best benefits. Use effective keyword phrases to generate high ranking status in the search engine traffic. In this way you have better chances of people finding your website leading to your blogs. More traffic means more potential sales.
For this to be successful, you can use RSS for news update feeds which can be read through RSS reader application. This is a very useful tool for business and internet marketers as well.
If you are already convinced with the potentials of business blogs for marketing and targeting sales increase, your company is now ready to start blogging. But first, you have to be in tune with your company’s business objectives and determine if blogging will really help you achieve your goal.
1. Several blogs are dedicated to teaching people the do’s and don’ts of blogging, READ them! Include in your reading materials blogs that are consumer-based too to give you an idea.
2. Setup several test blogs right away.
If your initial try out with blogs worked well, you can now start setting up your blogs.
1. Study blog design. Blog hosting services provide pre-designed templates. But if you opt for paid blog service, you can ask your artist to design and layout your blog site to match the company’s identity and needs.
2. Choose a topic. Its good to have a line-up of topics you want for your blogs but be sure they are in consonance with your business objectives. This would be a test of your flexibility and open-mindedness since results may be going against the set objectives.
Remember the following safety measures in blogging:
1. Legal issues are sometimes involved in blogging; it is safer to include disclaimers and limitations of liabilities;
2. Corporate communication and legal department are responsible in educating the senior management on how blogs might affect business;
3. Create blogging policies; set limits on who gets to blog and what information are allowed to be made public;
4. Avoid outright marketing blog or you will shy away your readers;
5. Make content updated, relevant and fresh;
6. Reinforce the company’s core values; and,
7. Encourage employees to use it.
8. Start blogging and complete 20 posts before going to marketing.
9. Begin marketing.
10. Regularly monitor the coming ins and outs of readers and get updates. Then, measure your results.
11. Adjust if needed. You can always play with your designs in the blog site as long as it remains to match the company’s identity.
12. Strive to be consistent with your topic all the time.
13. Try to have unrelated topics with general and broad appeal.
14. Schedule updates regularly. Monday, Wednesday and Thursday would be best to update blogs.
Once you have done all these things, you can now ultimately enjoy the benefits of business blogging.
Begin to Blog
A blog is basically an online journal wherein you can digitally pen down your thoughts, ideas, opinions and practically anything that you want people to read. Blogs come in different styles, formats, and settings, depending on the preference of the user. Many blogging sites, offer built in features such as hyperlink, straight texts, pictures etc. Some blogging sites, even allow you to put video and mp3’s on your blogs.
Instead of writing texts, some bloggers choose to make their blogs more audio friendly, by using spoken word entries. This is called audio blogging.
title- which allows you to label your post
body- this is the content of your post
trackback- other sites can be linked back to your blog
permanent link- every article that you write has a URL
comments- this allow readers to post comments on your blog.
One of the advantages of blogging, is that it is made of only a few templates. Unlike, other websites that is made up of numerous individual pages. This make it easier for blog users to create new pages, because it already has a fix setting that include: slots for title, body of the post, category, etc.
This is especially useful for first time users, since they can start blogging right away. They can chose from a number of templates that blogging websites provide.
Anyone who wants to start a blog can do so by becoming a member of a blogging website of their choice. Once they’ve become members, they automatically become a part of that particular blogging community. They can browse through other bloggers pages, and link them back to their own blogs. They can also make comments on other members’ blogs.
Blogging is not just limited to personal usage. There are a lot of blogs that follow a theme such as: sports, politics, philosophy, social commentary, etc. These blogs espouse on their specific themes. This way blogging becomes a medium in which people can share their knowledge and opinions about a variety of themes and topics.
Some bloggers even use their blogs as a means to advertise. Some authors advertise their books on their blogs. While other bloggers, use their blogs to shed light to currents issues, events, news and catastrophes.
Nowadays in education, blogs also play an important part. Professors use blogging to document the lessons that they have discussed and taught. This way, students who who have missed classes, can easily catch up with their assignments.
A lot of entrepreneurs benefit from blogging by promoting their businesses on their blogs, with millions and millions of people logging onto the net everyday, blogging has become a lucrative move. Some bloggers who run online businesses promote their merchandise online. While others profit through advertisement.
But by far, the most popular blog type is the one that takes the form of a personal journal. This is the kind that is usually used by first time bloggers. Individuals who want to document the daily struggle of their everyday lives, poems, rants, opinions, find that blogging offers them a medium in which to express themselves.
Bloggers usually communicate within themselves. This is one of the appeals of blogging. It creates a community of people sharing their ideas, thoughts, and comments with each other.
Blogs varying in topics, themes, and set-ups, can be found in blog directories. First time users who want to get an idea of what the blogging world is all about can browse through a number of blogs using these directories. This way they’d get an idea of what these blogging communities are like.
Blogging is popular all over the world. Blog is short for the term weblog. There are no rules when it comes to blogging. Bloggers have the freedom to express themselves how ever way they want, and the best thing about blogging, is that most blogging sites are free.
There are numerous blogging websites to choose from in the net. This give first time users the option of joining a blogging community that appeals to their interests.
Just search any blogging directory and you’d get a listing of a lot of blogging sites that are available on the net. It’s easy to search a blogging directory, because it is organized according to category. This way you would get exactly what you are after. Blogging is really for everyone. It is fun, simple and easy.
Key Ways to Managing Stress
Insecurity financial or otherwise, a demanding work routine, interpersonal conflicts and a traumatic experience are just some examples.
How has stress affected you?
Are you stressed out because of health disorders, emotional exhaustion, sleep problems, depression or deteriorating relationships?
For me personally I have been stressed out due to my current medical condition (Topical Steroid Withdrawal), interpersonal conflicts, emotional exhaustion and sleep difficulties, due to my condition. I even had to stop working for a while, not only because of my health condition, but because of the stress involved, which is not good for me while I heal, at all.
See, stress activates an amazing system in your body, your emergency response system. Hormones are then released to help increase breathing, your heart rate and your blood pressure. Not only that but, reserves of blood cells and glucose flood into your bloodstream. This “domino effect” of reactions prepares you to deal with the stressor, the stimulus causing the stress.
After the stressor has passed, your body may return to normal. But when a stressor remains, it can leave you chronically anxious or tense, like a motor that stays revved up. We know that stress can also cause health complications so it is very important that we learn how to deal with stress because it is important to both our physical and our mental well-being.
Stress Is Different For Everybody
Each person is different as regards to temperament and general health. So what stresses one person may not stress another. With that being said, you are likely overstressed if what your routine is on a daily basis makes you so tense that you cannot relax or deal with the occasional emergency.
Stress in itself is not necessarily harmful. The American Psychological Association has noted: “Stress is to the human condition what tension is to the violin string: too little and the music is dull and raspy; too much and the music is shrill or the string snaps. Stress can be the kiss of death or the spice of life. The issue, really, is how to manage it.”
Help Dealing and Coping With Stress
Since I do not believe in turning to alcohol (I’m a light weight, I couldn’t handle it anyway), drugs (never touched that mess) or tobacco (a big no no) I sunk into a deep depression and became unruly with my attitude and behavior towards others as well as myself. My eating pattern changed and I gained a lot of weight, I would sit passively in front of my computer browsing, posting to social media websites or just chatting. My online business even suffered! I mean for a long time I could not cope with what was going on in my life. In fact, I almost gave up on life.
Once I got my mind right and made the decision to turn my life around and deal with what I was going through head on, I decided to return to the one thing I knew would help, something I hadn’t done in a long time. I opened my Bible back up. YES the Bible does indeed give us wise and practical information about how to deal and cope with stress. Why I closed my eyes to it knowing full well it could help is beyond me. I just know that my faith had weakened during my time of distress.
With the way I was raised I should have known to turn to the Bible for answers. But again, my faith had weakened. I mean there was a time when I didn’t even think God wanted to be bothered with me any longer, because I was so far gone! Waking up and getting my mind right again helped me to know that that was NOT the case at all. The Bible was exactly what I needed!
Many people have been able to manage life’s stresses by applying the wisdom and practical advice found in the Bible. It might even be able to help you too even if you are not an avid Bible reader. Okay, so let’s talk about the 4 common causes of stress.
*Source for the information below: www.jw.org
Not one of us has total security. As the Bible states, “time and unexpected events overtake [us] all.” (Ecclesiastes 9:11) How can you cope with feelings of insecurity? Try these suggestions.
Confide in a trusted family member or friend. Studies show that the support of loved ones consistently confers protection against stress-related disorders. Yes, “a true friend shows love at all times, and is a brother who is born for times of distress.”
Do not continually focus on worst-case scenarios. Such thinking does little more than drain emotional reserves. And what you fear may not happen! For good reason, the Bible says: “Never be anxious about the next day, for the next day will have its own anxieties.”
Tap into the power of prayer. “Throw all your anxiety on [God], because he cares for you,” says 1 Peter 5:7. God shows his care by giving us inner peace and by assuring us that he “will never abandon” those who sincerely turn to him for comfort and support in times of need.
—Hebrews 13:5; Philippians 4:6, 7.
2 DEMANDING ROUTINE
A relentless routine of commuting, working, studying, or caring for children or elderly parents can keep stress levels high. Moreover, stopping some of these activities may be out of the question. (1 Timothy 5:8) What, then, can you do to cope?
Try to give yourself some downtime, and get adequate rest. The Bible says: “Better is a handful of rest than two handfuls of hard work and chasing after the wind.”
Kari, mentioned earlier, took a fresh look at his life. “I realized that I was pursuing a selfish lifestyle,” he wrote. He sold his business and took on work that gave him more time at home. “Our standard of living has dropped a little,” he admits, “but my wife and I are now free of constant stress, and we have more time to spend with family and friends. I would not trade the inner peace I now have for any business opportunity.”
3 INTERPERSONAL CONFLICTS
Conflicts with others, especially in the workplace, can be very stressful. If you experience such difficulties, you have a number of options that might help.
When someone upsets you, try to stay calm. Do not add fuel to the fire. “A mild answer turns away rage, but a harsh word stirs up anger,” says Proverbs 15:1.
Try to settle differences privately and respectfully, thus dignifying the other person.
Try to gain insight into his or her feelings and viewpoint. Such insight “slows down [our] anger” because it puts us in the other person’s shoes. (Proverbs 19:11) It can also help us to see ourselves through the other person’s eyes.
Try to forgive. Forgiveness is not only beautiful. It is also good medicine. As reported in a 2001 study, “unforgiving thoughts” resulted in “significantly higher” blood pressure and heart rate, whereas a forgiving attitude reduced stress.
4 TRAUMATIC EVENTS
Nieng, who lives in Cambodia, suffered a string of tragedies. In 1974, she was injured when a bomb exploded at an airport. The following year, her two children, her mother, and her husband all died. In the year 2000, her home and other belongings were destroyed by fire, and three years later, her second husband died. At that point, she wanted to end her life.
“Better is a handful of rest than two handfuls of hard work”
Yet, Nieng found a way to cope. Like Kari, she examined the Bible and benefited so much from what she learned that she, in turn, devoted time to helping others enjoy the same benefits. Her story calls to mind a 2008 study by British researchers. One way to develop “resilience in the face of stress,” they found, was to “give in some way . . . to others”
Additionally, Nieng gained a sure hope for a better future, one in which all the problems that plague mankind will be gone. Instead, “peace will abound” earth wide.
A genuine hope and the wisdom to cope with life’s many stresses are both priceless, and both can be found in the pages of the Bible. Millions have already benefited from this remarkable and unique book. You can too.