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Why Earning Money Trumps Saving Money

Why Earning Money Trumps Saving MoneyBy Emily Belcher

Have you ever thought that saving money could be a waste of time? That question may sound ridiculous at first but I can confirm that there are times when too much time is spent by cutting costs. Simply put, you can’t save money if you don’t have any to begin with.

Take extreme couponing, for example. After I had my son, I desperately wanted to stay at home with him. However, I went back to my nursing job part-time. I knew that my part-time employment was not going to make ends meet financially so I decided to give coupons a try.

I watched a few episodes of TLC’s Extreme Couponing. Okay… Maybe I watched a whole season of the addicting reality show. I remember a few of the women claiming that they were able to quit their full-time jobs because of their couponing. One even claimed that couponing enabled her to purchase a brand new SUV. As great as it sounds, it just isn’t possible. (more…)

How Do You Earn Extra Money in a Pinch?

How do you earn extra money in a pinch?By Al Krulick

As wages stagnate and the cost of living rises inexorably, dollars just don’t go as far as they used to these days. I can’t think of a friend or relative who couldn’t use more money. I bet you can’t either.

I’m not talking about mega-size lottery winnings. That’s great for fueling fantasies, but it doesn’t do much to pay a utility bill, cover school supplies, or get a needed car repair. No, I’m just talking about a few extra shekels from time to time, just to make life go a little more smoothly – maybe a hundred or so here and there when you need some extra cash in a pinch.

How do you go about getting it? Let’s explore a couple of different ways to earn extra money: (more…)

Things That You Should Consider When Taking Out a Small Business Loan

Small Business LoanBy Casandra Ramey

Taking out a small business loan is not to be taken lightly. It’s a major undertaking that is going to have serious implications on the borrower’s future.

Above all, a person should really only considering taking out a business loan if doing so is going to have a profoundly positive effect on their life. Interest rates on loans, even the lowest ones – are still relatively high by financial standards. And this means that anything you can definitely afford should be purchased in cash.

However, there are a variety of situations, such as buying a franchise or covering manufacturing costs in which borrowing money makes real sense. Just make sure that you fully think through the transaction before you commit. With that in mind, take a moment to review these important considerations when taking a business loan: (more…)

Save Money with Effective Business Management This Christmas

Save money with effective business management this ChristmasBy Jason Holmes

The festive seasons like Christmas are pretty famous for being an expensive time for individuals. However, it isn’t just expensive for individuals; it’s expensive for businesses as well.

If you’re a savvy business owner, then you must be having an eye on the bottom line. Managing your business to reduce costs and saving up money for your future is obviously your foremost concern what with the Christmas season almost here. Read on to find out how you can manage your business effectively to cut costs as well as save money for the future.

Five effective strategies to reduce business costs and save money during Christmas.

You’ve got to understand the fact that reducing business costs can’t just be all about slashing your cash outflows in an indiscriminate manner. Effective business management requires that you don’t reduce business costs such that it has an adverse impact on your customers. You have to adopt a considerate and methodical approach. (more…)

How to Manage Your Finances When You’re Running the Show

How to manage your financesBy Nellie Akalp

Ask any small business owner or self-employed person to name their least favorite tasks, and bookkeeping, money management, and paying taxes will all make the list. While these chores may not be popular, they’re absolutely critical.

Unlike with big companies, the finances of the solo business are often closely intertwined with the personal finances of the business owner. That’s why solo businesses need to pay extra close attention to managing their finances. Here are a few simple steps to do so:

1. Use dedicated business accounts

If you haven’t done so already, take the steps to keep your personal finances and expenses separate from those of your business. This is mandatory if your business is structured as an LLC or Corporation, but it’s good practice for sole proprietors as well. (more…)

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