Financial Tips To Help Lower Your Debt In Life For A Debt Free Future

Get Rid off Debt

We all need money for us to survive in everyday life. We work hard to earn a significant amount of money. Debt happens when we spend more than what we make. As one of the most common mistake that most people make, we need to learn and understand on how to spend our money wisely.

Are you drowning in debt? Do you want to know how to free yourself from it?

Debt could cause a lot of troubles in life. It could ruin marriages, tear the family apart and could also cause stress, frustration, depression, and anxiety. Act now and follow these financial tips to help lower your debt in life for a debt-free future.

Good Debt
You need to understand that life is better without debt, and having debt is not normal. However, not all debts as bad for there is a good one called leverage or good debt. This results from borrowing money to finance investment. A home mortgage falls into this category too since the value of the property increases as the lease lowers.

Advantages of Being Debt Free
Being free from debt has many advantages in life. One good advantage is that you don’t need to work as hard. You have the freedom to work less and spend more time with your family. If you have lots of debt, you need to work harder to pay off the monthly payments. With that, it makes you tired which means less time for loved ones and activities that you enjoy.
Another advantage of being debt free is you can retire young. You do not need to wait until you reach 60 or 65 and may have the opportunity for early retirement⎯meaning that you can enjoy life while you are still energetic.
So, are those enough reasons to convince you? Now, here are a couple of ideas on how you can be free of debt.

Change Everything
One of the first steps towards a debt-free life is to change, take full control of your finances and change the way you live your life. You need to accept the changes that will happen in your life. If you are used to living a luxurious life, then you need to start living a simple and happy life.

Set a Budget
You need to create a written monthly budget to know where your money is going. Identify what is truly necessary in life. Make sure to strictly stick to it, no matter what. Talk to your family members and ensure that you have their support as well⎯your budget not only applies to you but for the whole family. Improvements should be made to make it work.

Earn More Money
You can do this by looking for a new job that pays well, or consider getting a second job. You can also do both. Another option is asking your boss for overtime opportunities. If it isn’t available, try making money through other creative ways.
If you have skills in carpentry, use it to earn extra by asking friends or neighbors if they have something that needs to be fixed. It may be hard at first, but with determination, you can do it.

Avoid Debt Enabling Habits
If you want to be free of debt, you also need to change your debt enabling habits. What are those? Overeating can be a source of it. Smoking and drinking can also be a part of it. Partying or going out with friends every weekend can also be a factor. But how can they lead to having debt?

Overeating can lead to debt because you always go to restaurants or coffee shops without noticing the money you have spent on these. Even on smoking and drinking, if you will calculate the amount you have spent on these, maybe you will be surprised to know. This is the same with going out every weekend as well.

If you are drowning in debt, all of these should be stopped. Stay at home and cook food for you and your family. Limit alcohol consumption, which is not only good for the body but your pocket too. Instead of going out every weekend, stay at home and spend more quality time with family.

To be debt free, there are lots of sacrifices that need to be done. You need to take action about it before it consumes you. You’ll need to be responsible with your finances⎯acting like your own mobile bookkeeper. I know it’s not easy, but I know you can do it.

Irena Mckenzie
Irena Mckenzie is a Castle Hill local and is a very experienced local, mobile bookkeeper and successful small business owner. She has many years’ experience in all facets of bookkeeping and office work. She has run various small businesses for many years and understands exactly what it takes to get a small business up and running at full speed.

5 Tips for Small Business Web Designing

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For a small business, your website is a significant part of your brand and plays a big role in your online marketing efforts.

Visitors to your website come searching for something and you need to give them the answers they seek while using your website to sell your product or services. You need to be the solution that they seek.

If your website is not optimally designed, you can easily lose thousands of potential customers that you could easily have gotten from a website that is functioning at optimal quality.

The following tips will help you avoid common mistakes so that your business can grow even faster.

Focus on your target audience

We all understand the importance of meeting deadlines and keeping up with timelines, however, when it comes to website design, you need to place more importance on researching your target customers and understanding your market niche. Your website should be built using this understanding of your target demographics as its core concept.
The little things matter. Researching your target demographic makes you know which is more important, focusing on a mobile optimized website, or targeting a faster loading desktop website. The font styles, sizes and the layout of your website should be designed in a way that is sure to appeal to your target audience. Finding out the part of your website your visitors are more likely to visit and the other subtleties of your website can be incorporated into your web design if you prioritise targeting your specific audience when designing your website.

Flashy or busy website?

Too many times, small businesses seem to think that the flashier, the better. The truth is if your website is designed to be too flashy or too busy it will come across as unprofessional. About 12% of visitors leave a website as soon as they notice flashy content.
Your website should be optimised for efficiency so that your visitors can find what they are looking for as soon as they get to your website.
Also, flashy and busy websites have longer loading times and are not optimised for mobile viewing. These can negatively affect your organic search ranking

Call to action

The call to action is a very subtle (or sometimes not so subtle) psychological nudge that tells your potential customers what to do next. 80% of B2B websites missed out on a customer transaction because they didn’t put a call to action. If you want them to sign up for a service, or subscribe, or buy, then you need to include a very distinctive call to action telling them what to do next.
There should be a collaboration between your website content and your call to action. While your website tells your visitors what you offer, the call to action tells them what to do to get it.

Inaccurate pay for web design services

Whether you hire professional web design services or you decide to go the DIY route, you stand the risk of paying wrongly for the services. Even when you understand that an online presence gives you access to a wider audience, and that a professional web design company can help your online brand a great deal, you may be tempted to go for the big names in web design only.

A big brand may often be an indication of quality and experience (but not always), but how certain are you that the ‘big’ web developer’s services are designed for the intricacies of marketing for small businesses, particularly start-ups with a limited marketing budget?
The trick is to stick to your marketing budget, but do enough research when searching for a web design company so that you get the best value for your money.

Outdated design and inaccurate information on your website
Visitors to your website come because they expect to get the most recent information about your product, services and your business. In a survey, 94% of website visitors said they distrusted a website because the website looked and felt outdated.

Some small businesses forget to maintain and update their website content to reflect the current state of their business and lose potential customers as a result of this oversight.
Try to update your website frequently and if you have a blog, then updating your blog at least once a week allows your website to remain SEO-relevant as well as contain enough information to keep your customers engaged.

Trying to be all-inclusive in your marketing approach and website design
You have to remember that your business has a niche and using an unfocused website design means that you are spreading your resources thinly.
Your website will be much harder to design and end up being a nightmare if you try to accommodate every type of visitor. This is a very inefficient marketing approach.
Try to design your web site for your target audience, that way you have fewer concepts to focus on. This will improve the efficiency of your website and make it easier to have that professional look that every business dreams of, but only a few achieve.

These tips cover a majority of the common pitfalls that businesses come across when designing their website.

Five Tech Solutions Your Small Business Needs

Five Tech Solutions Your Small Business Needs

New businesses pop up every day while thousands of businesses close shop too. Numbers are thrown around that makes it scary to start a business at all, but statistics shows there is a 50% chance a small business will survive its first five years. While 50% chance isn’t as scary as saying there is a 10% chance, there is still a lot of responsibility on a small business owner to make sure your business doesn’t become one of the numbers that fail. Running a small business can be challenging especially in the area of time management and funds allocation. As a small business owner that desires to grow, a lot depends on creating or finding efficient ways to get work done.
Doing business requires way more than having brilliant ideas, there is the need to put up a structure that works, get the best out of your employees and make the most of your budget.
Nobody said starting out will be easy, but there are things you can incorporate into your business for greater efficiency and productivity. If you have been sleeping on technology, then it is time for you to wake up and smell the coffee.

Saving time and cost are goals for every small business that seeks growth. There has been a lot of advancement in technology in providing workplace solutions that guarantee excellent efficiency. Small businesses should look into tapping into the wealth of application software available for ease of business. Some applications can help you get the most out of your business without you over shooting an already tight budget.

Below is a list of things that your small business needs:

First, you need a good website. In today’s world, many people search the internet for services and products. As a small business, you do not want to risk missing all the advantages and traffic being found on the internet brings. Getting a good website should be top of your list. This is because you will be able to meet and attract customers that are far from your physical location. The entire process starts with finding a suitable domain name, but it doesn’t end there.
Your website speaks volumes about your business, so it isn’t enough to have just a website, you must make sure it gives your customer a wholesome experience. This means you have to make sure the pages load very fast and the tools that get you connected to your customers such as live chat are incorporated.
It is always good to talk to IT experts who can provide you with a not just a great website but great support to aid your business growth.

Cloud Computing: Keeping an eye on your finances is tantamount to your survival. It is important always to have a balanced account to help you keep an eye on progress made. You can save yourself a lot of time and headache by using software like Cloudbooks which helps you quickly compute data on projects, staff salaries, contractors, invoicing, billing, time tracking and more.
With these apps, you can easily evaluate your business just by signing on from anywhere and on any device. The apps have an easy to use interface which makes keeping your books so simple. This is set to increase your efficiency, and it is relatively cheap too.

Cloud Storage: Data is very important, and you do not want to risk losing yours. The good thing about this is that all your data will be well backed up and safe from whatever form of disaster you may suffer. You also get to save a lot of money from not purchasing hardware that would have been used for the same purpose. Applications like Dropbox provide data storage options that are secure coupled with giving unrestricted access to your documents from anywhere. It is also at no added cost to you thereby saving you time and money.

Social Media Applications: It is no news that social media is important for SEO. Having a great social media plan for client engagement and sales conversion is absolutely necessary. For increased efficiency, get the HootSuite application that keeps you abreast of all your social media accounts from one account. HootSuite provides a platform that makes it easy to plan your social media posts and campaign effectively without having to switch through different applications. This saves you the immediate cost and need for a social media manager too.

Video Conferencing: Productivity is key. Technology has made meetings so much easier. You do not have to make a trip outside town just to ‘talk business’. You can pitch your ideas to intending clients through applications like Skype, Google Hangouts, etc. This also saves you time that could have been wasted on the road. You are also saved cost.

Conclusion:
Do not be caught unprepared; planning goes a long way in running your business efficiently. Make plans and put them into practice using any of these apps.
Always be on the lookout for solutions that can help you make the most of your time and budget.