How to Get out of Debt and Save Money

Questions and Answers
Debt is like a disease that can enable us from living a happy and normal life by taking control over our lives. Most of us don’t even know how we end up in the situation we are in. Buying every thing we own with credit has become our culture. But don’t let debt control your life any more. You can take over your life again. Imagine life with out debt!
debt free 2

#1cImage titled Get out of Debt and Save Money Step 1

Stop acquiring new debt. The most important thing is to start now. Don’t start tomorrow. Don’t start next week. Start tackling your debt now.Acknowledge the problem. The first step is admitting you have a problem. Admitting that this is no ones fault but yours can be difficult. But it is very important. Tell your self the reason you are in debt is because you keep on buying things you can not afford. You keep borrowing from your future. Stop spending money you haven’t made yet. Stop borrowing from your future.

#2 Image titled Get out of Debt and Save Money Step

Stop Spending. If you’re in debt, the first thing you need to do is destroy your credit cards. Credit cards don’t help. They only make the problem bigger. Trust me once you get rid of them, you won’t miss them.
Image titled Get out of Debt and Save Money Step 3

#3 Spend your money on what’s necessary like grocery, utility bills, gas etc…( cable TV is not one of them) Make an adjustment. Look at your monthly spending and cut back on some things. Like stop eating out, Print out coupons from the internet before going to grocery shopping, . You will be surprise how much you can save monthly if watch your self closely.
Image titled Get out of Debt and Save Money Step 4

#4 Establish an emergency fund It is very important to have a little bit of money saved up before paying off your debts. Open a saving account for an emergency fund and start an automatic fund transfer from your checking to your saving account. How much should you save? Ideally, you’d save $1,000 to start. This money is for emergencies only.Keep this money liquid, but not immediately accessible.Don’t tie your emergency fund to a debit card. Don’t sabotage your efforts by making it easy to spend the money on non-essentials. Consider opening a savings account at an online bank like I N G or Emigrant. When an emergency arises, you can easily transfer the money to your regular checking account. It’ll be there when you need it, but you won’t be able to spend it spontaneously. If unexpected expenses come up, and you don’t have an emergency fund, you will skip your debt payments to pay for the unexpected expenses. The emergency fund protects your debt payments.Control spending. you may find it hard to keep track of your spending and ensure that you’re sticking to your spending plan. Here’s the key: first do the emergency fund deposit. Then do the debt payments. Then do your monthly bills. Then withdraw the variable amounts in cash, and put them into separate envelopes. It’s old-fashioned, but it works, as you don’t have to worry about overspending. When your envelope is empty, you can’t spend anymore. Continue to cut back on non-essential spending as much as you can at this point, so you’re able to stick within your spending plan.
Image titled Get out of Debt and Save Money Step 5
#5 Implement a debt snowball. Now that your finances are relatively under control, you can start a debt snowball
Image titled Get out of Debt and Save Money Step 6

#6 Order your debts from lowest balance to highest balance.
Image titled Get out of Debt and Save Money Step 7

#7 Designate a certain amount of money to pay toward debts each month.
Image titled Get out of Debt and Save Money Step 8

#8 Pay the minimum payment on all debts except for the one with the lowest balance.
Image titled Get out of Debt and Save Money Step 9

#9 Throw every other penny at the debt with the lowest balance.When that debt is gone, do not alter the monthly amount used to pay debts, but throw all you can at the debt with the next-lowest balance.Find larger cuts. Once you’ve controlled your finances and started your debt snowball, there are ways to increase the snowball — and hence the speed with which you get out of debt. Look at your larger expenses — are there ways you can eliminate or cut back on them? Can you sell your car for a smaller, used model? Can you find a smaller house or apartment to rent? Can you sell your house and rent a cheaper one? Can you get by with one car? Can you eliminate some services you’ve been using? Whatever cuts you make, apply that amount to your debt snowball — don’t spend it.Grow your income. Get a part time job or sell things that you don’t need on eBay or any thing that you can think of to bring in a little bit of extra income. So you can have debt free life faster.Track your progress. On your debt spreadsheet, be sure to update it every payday (or however often you pay debt) so that you can see your shrinking debt amount. You should be able to calculate how many months you have left before you’re completely out of debt. It may be a long ways off, but it’s within sight!Bonus step: Celebrate! It’s important to celebrate, not only when you’re out of debt, but along the way as you eliminate each debt. Have fun! Make this an adventure. It can be amazingly satisfying to stop spending and gain control of your finances instead. Find free entertainment, make it a challenge to be frugal. yes,You can have a debt free life.

#10 Solution Get Out Of Debt Report

Newbies Blog Recruiting – How to Use Your Blog to Recruit For Your Network Marketing Business



Blogging is truthfully one of the most powerful methods you can start using today to start growing your network marketing business however, if you do not understand how to use a blog properly, you will continually flounder forever. Before we can go into on how to recruit with your blog, we need to discuss the purpose of a blog.

First off, your blog is not an advertising space for your network marketing business! This is the biggest mistake I see people making today because everyone who operates under this method seems to have an ego problem. They assume that their network marketing business is the best one out there and they want to make everyone aware of how great it is.

Unfortunately, you will not get very far if you follow this process. Let me explain…

In the age of the internet, people are constantly bombarded with offers, products, and opportunities. If you are using a blog to advertise for your network marketing business, you are actually REPELLING people away from you!

The real purpose of a blog is to brand yourself as a leader and to attract people to you by providing them with value. A common misconception that many people get (especially when they are first starting) is that you have to be making millions of dollars to provide people with value.

This is the furthest thing from the truth. Providing someone with value can simply mean sharing some information that can help them with their daily lives. For example, you can share with people how you have discovered a way to become more productive and how to stay focused on your objective.

If you shift your focus from selling to providing people with value, you will become far more attractive than everyone else in the marketplace and people will become return visitors to your blog. People will begin to see you as a leader and a mentor and as a viable option for someone to work with.

The good news is that the time for starting a network marketing business has never been better. The difference in your success will be determined by your education and your actions that you take on a daily basis.

To learn more about the cutting edge strategies that are enabling the top 1% to have success in this industry, make sure you read the resource box below and click on the link for more information.

See you at the top,

Erving Croxen

Erving Croxen Is An Expert Internet Marketer Who Shows Network Marketers How To Use Cutting Edge Technology To PROFIT To No End In Their Businesses At: Online network Secrets


Network Marketing Blog Recruiting

Business week

The on going trend in online network marketing is Blog Recruiting. Blogs are very popular on the internet these days because of the ease of creating one, compared to creating a fully functioning website. With blogs you can change the look of them with relative ease and you can add content to them on a daily basis whether it be text, video or audio.

The use of blogs have evolved since they were first started being used, but now are being used in a variety of different ways. A lot of people create blogs to share their personal information with others. They also read their friends blogs to see what they have posted. Blog Recruiting was not really used until recently.

With the recent explosion of attraction marketing and web 2.0 blog recruiting is something that is growing in the MLM / Network Marketing industry. The reason for this growth is because people is really using their blogs as there home base where they invite friends, family and prospects to come and check out what they are all about.

So with attraction marketing growing to be as big as it is and sites like Myspace, Facebook and Twitter, blogs for the use of Blog Recruiting is basically a good match. This form of recruiting is being implemented by the professionals in the MLM / Networking industry. Myself and other successful marketers are teaching this form of doing business to people in MLM that are bringing their businesses online.

The traditional way of building your business with friends, family and calling leads is still a good way of recruiting but Blog Recruiting is one way of doing it online. This way of recruiting is very effective because it not only works very well but it changes the whole dynamic of what people were used to. In network marketing representatives are used to chasing people down and continuously calling them for appointments. This internet technique almost does the opposite, using these types of skills, prospects are almost chasing you down and calling you to ask you about your business.

So this one technique of Blog Recruiting using the internet to build your Network Marketing business is a highly recommended skill to learn to build your business. To learn more recruiting techniques for your network marketing business click the link in the resource box below

Ronnie Green is an expert online Network Marketer and is dedicated to helping struggling network marketers to become successful with cutting edge marketing strategies. To learn how to succeed using these valuable marketing strategies and more, click on this link


How to use social media to generate leads


1. Answer questions

Answering questions relevant to your industry is a great way to position yourself as an expert on social media, and attract relevant leads. Here’s how toOPTIMIZE this strategy:

  • Add a clear call to action at the end of each of your answers. That way, readers will know where to find you.
  • Insert images to illustrate your answers and you’ll stand apart from your competition.
  • Use subheadings to make your answer seem less overwhelming, especially if they’re long.

2. Engage when people comment

The comments on your posts and your competitors’ posts can help you generate a ton of leads. Simply respond to them, offer useful solutions to problems, and strategically (read: be subtle) insert your services where relevant.

3. Run contests

Running contests can help you get the results you want (whether those are sales, sign-ups or shares). Here’s how to do them right:

  • Be clear about what you’re offering, and ensure what you are offering is compelling enough to get your target audience to engage.
  • Make sure the contest requirements aren’t too time-consuming or overwhelming.

4. Use persona mapping to create compelling content

The best way to generate leads through social media is to create content that speaks directly to them. To do that, you’ll need to gather information about your target market so that you can create actionable content.

Find out what content resonates best with your audience using Infomart’s media monitoring andANALYTICS platform. Measure brand and campaign performance as well with key metrics such as tone, top themes, top sources and more. Book a demo and gain the valuable brand intelligence necessary to drive your digitalMARKETING CAMPAIGNS.

5. Promote gated content

Gated content is only available to your viewers once they act on a specific call to action that you, the publisher, put in place. Basically, you put a lock on specific content you feel your audience wants to consume. Once you’ve obtained the information you need (for example, an email address), you can build the relationship with newsletters, promos and tips.

For more on generating leads via social media, read the full article.

Free Report Recruiting Leads Learning

How to Become Successful – The First Step


A personal development and success systems the commonest question by far that I hear is “How can I be successful?” How to be successful is the driving force for most people with whom I come into contact. Not surprising really, as this is my niche and my area of special expertise.

Usually I answer with another question. “What does ‘success’ really mean to you?” This is not a cop-out. I believe this question must be answered before I can even begin to outline what I believe this person must do in order to be successful. I do not believe anybody can really be successful unless they know exactly how they personally define success.

I have met people I would describe as very successful, but who have very little money. Many successful people are not well-known. Some have no close family and few if any friends.

So, if success is not defined by wealth, fame, family situation, or friendship, then what on earth does define success?

The answer, again, is that success can only ever be defined by the person who wishes to achieve it.

The first step to becoming successful is therefore to set aside some quiet, uninterruptible time, and begin to define for yourself exactly what you mean by success. You should make sure you have at least an hour for this, and preferably more so that the exercise can be open-ended and continue for as long as you find necessary. I can promise you that if you truly want to be successful this will be the most valuable hour or two you have ever spent.

This should initially be a brainstorming session. The concept here is that you should write down everything that comes into your mind when you hear the word “success”. Do not limit yourself to things you think it should be. You are trying to arrive at your own definition of personal success, not what you have read as someone else’s definition. Anything goes here. Do not be judgemental – if the thought occurs then write it down. Be prepared to fill quite a few pages here and to spend a good twenty or thirty minutes, not just a couple of minutes filling a single sheet of A4!

When you have spent a minimum of twenty minutes doing this (and keep going well beyond if ideas are still popping into your head) you can begin sifting through those ideas and crossing out ones that are not relevant. Also look for ones that are just repeats or variants of others; keep the most relevant and cross out the others.

You should now put your scribbled lists aside. In fact, turn the paper over so you cannot see anything you have written. On a clean sheet of paper write in large, bold capitals:


Don’t try to answer this. Just read it, then sit in absolute silence for at least another five minutes. Ten, if you can manage it. This should be a form of meditation. If you are used to meditating on a phrase, then meditate on that question. If not, don’t worry – just sit there in silence.

When the five or ten minutes is up, turn over your list of words and phrases that came into your head when you thought about “success”. Start a fresh list and write down some words and phrases that now seem to resonate with you as being a start of your definition of success. These words and phrases may come from your brainstormed list, but you may find there are some completely different ones that now come into your head.

What you are trying to do here is to make sure your own personal definition of “success” is truly aligned with your own inner “you”. Only when your definition of success is properly aligned in this way can you really start to become truly successful.

At this point, start trying to formulate a sentence or two from this new list. This sentence will be the starting point of your own personal definition of success. It will probably be quite different from anything anyone else will ever write. That is quite natural, as this is extremely personal, and not some definition foisted upon you by the media. Treasure it! This definition, I can assure you, is one of the most precious things you have, as it will be the starting point of your true success.

Your definition of success will evolve over time, and in a few years from now may be quite different from what you have just written. But it will be a true definition, and one you can now be happy to go out and seek.

Good luck!

How to generate leads From Social Media ?

help 3 people 3

Social networking can fill numerous business needs going from Public Relations, client administration and group building. For B2B marketers lead generation should be at the top of the list. Social networking as a lead generation channel can help to drive income and be as sales enablement device for your sales team to teach perspective clients during the sales cycle.

The following are the important steps that Erving Croxen recommend to drive your leads by using social media :

1. Set objective and create baseline.

In the first place you have to understand the business mechanics of dealing with a social networking project. Start with the bottom line and make your way back to get your objectives. Be positive to understand the KPI’s you will be measuring to show if you are on the right way.

2. Define the profile of buyer.

Clearly define your buyer identity-invented characters that reflects different user types inside your target demographic- to successfully achieve new and existing customer through social media .Defining a buyer identity that helps you to recognize your target customer, to see how clients are looking for your business on the web, and drive higher conversion.

3. Plan, set up and carry out the campaigns

Once you have discovered your target leads the next step is to plan important offers, set up campaigns and execute. Social media campaign are regularly more continuous and shorten than running on different channels which provides you the chance to run several campaigns simultaneously and rapidly make changes toOPTIMIZE.

4. Deliver your targeted leads to sales :

To deliver leads to the sales group is perhaps most important method, since marketer’s most important job is to generate leads. Following are the most important aspects to deliver leads to sales :

Lead Score– setting up a lead score based on markers that sum up to a score threshold at which leads are exchanged to your sales group.

Lead Qualifiers-utilizing human touch to qualify leads with a characterized agenda that is utilized to figure out whether a lead is prepared or not

Self-serve process – construct your online purchase process is proven to be the complete methodology. Mostly this with this it eliminates the need for sales group in the purchase process and puts all the load of new- business income on you. Free Recruiting Report

For more Tops

Follow me on Facebook

[register fields=””]

Social Media Marketing Builds Brands and Generates Leads

social 1

Social media comes in, as it provide a technique for any company, not just large Multi-national Corporation, to build solid brands that therefore make quality incoming leads.

Here are four key strategies social media creates brands.

1. Social media can increase your current awareness.

As I wrote in 5 approach B2B Marketing Pros Can LEVERAGE Social media, social media lets you publish your company’s recommendations and expertise with the necessity to get past gatekeepers such as editors and traditional media. In social networking, the gatekeepers are generally your peers, and the caliber of your content as well as ideas determines just what gets promoted. Really good content is usually distributed widely – and when prospective buyers study your content fortunately they are learning about your small business and the complications you solve.

Social Media

2. Social media can build yourREPUTATION as a thought leader.

This matters because thought leadership is the best way to build your company. Buyers trust thought a leader who is able to demonstrate they realize buyer problems and how to solve them. While a trustworthiness of thought leadership can never be as “risk-reducing” as a personal referral, it is the best way to build awareness as well as increase your chances the prospect will answer future demand age group efforts.

3. Social media can encourage marketers.

Word of lips is perhaps the simplest way to generate leads, since buyers trust referrals using their peers more than any other source of information. Fred Reich held and Bain know that the company with the highest Net Promoter Score in an industry typically grows a lot more than 2. 5X more rapidly than their opponents. Social media can help create promoters with three ways.

  • Social media can help people share the “remarkable expectation-beating experiences” they’ve already with your organization. This can possibly be via reviews about third-party sites (such because the sales force. com App Exchange), the responses people make to queries on LinkedIn sets of Twitter, the posts clients and prospects share all on your own community, or a number of other ways customers can connect to other prospects.
  • Social media will be able to create the experiences men and women want to speak about. Great content, any funny video, a handy tool – they can all be stuffs that people want to express with other prospective customers. Although this isn’t often promoting your alternative directly, there is a brand “spillover” effect giving credence to your small business.
  • Social media causes it to be easy to share with your site (e. gary., one click share), plus it can make the referrals more related since directly shared links originated from a trusted friend or colleague.

4. Social media can build yourSEO RANKING.

Buyers tend to trust the companies with the top rankings over a Google search. Whether they comprehend the mechanics of ranking, buyers understand the wisdom of crowds is a work in determining the top rankings. Since links are the currency of ranking, social networking can play a tremendous role in building your organic rankings – both as a source of links via this article on your blog site, etc., as well so as to promote your articles and encourage other links.

The action object for marketers using this is obvious for Lead Generation: take a lot of the budget that you would normally allocate to trade events, list purchases along with other lower-performing demand age groupINVESTMENTS and allot it to producing great content as well as the efforts to showcase it. By having your company’s expertise on the market, you create extensive awareness and affinity for your brand, and this will likely translate into quality inbound leads generation. Free Report

My Blog Follow me for more tips

Facebook Page

Advantages of Social Media Marketing for Your MLM Business

help 3 people 2

Marketing businesses are indeed becoming profitable for most individuals who are capable of managing such. MLM businesses are becoming popular for individuals who are looking for a means to earn money  quite easily through a number of ways. MLM businesspeople are given compensation for the individual sales they manage to push through. Distributors can also organize a downline, a network of individuals the distributor has recruited into the MLM business, and earn commission from the sales of their downline. This only means that the more extensive and wider a downline is, the more the distributor is able to earn. In order to achieve such a downline organization composed of many individuals and sell your products to people, you should have a pre-existing vast network of personal contacts. However, not all individuals who wish to partake in the MLM business are very well-acquainted to a lot of people and this becomes quite a problem.

Multi-level marketing distributors are seeking out ways to generate leads in order to push through sales and have a larger downline organization. Traditional marketing methods are most-used by new-comers to the MLM business industry and those who so willingly adhere to tradition and reject developments and innovation that have already been proven more effective. Such methods often employ the use of banners, posters, and flyers that can prove to be expensive. Aside from being a bit pricey, these advertising materials have now become ineffective and insignificant because most people nowadays tend to not take notice of them. Their busy schedule commonly restrains them from spending a couple of minutes ogling at such materials. They are now veering towards the Internet and relying on it for such marketing materials.

Marketers must keep pace with the changing times in order to effectively meet the demands of the community. This generation has witnessed the dawn of another era. Technology has ultimately changed the world we once knew and it has altered how we do common everyday tasks. Technology enables us to save time, energy, and finances with new breakthroughs and innovations. Easy tasks become much easier to accomplish and what was once possible has now become possible. The Internet is among the most important developments that technology has provided mankind. Through the Internet, we are given access to the vast networks of information that can be found online. The Internet is also successful in building bridges that bridge the gaps set by time and location. Communicating with one another has become much easier. With social networking sites and similar platforms, communication between people regions and time zones apart has become easier and much affordable. To the cunning MLM businessperson such as yourself, this can very well mean as infinite possibilities for lead generation . Using the Internet as a tool to improve your MLM business can very well determine your fate as an entrepreneur.

The Internet is something that you and every MLM business owner should look into. It has become an effective avenue for relationships though often disputed as a poor substitute to face to face communication and relationships. People are finding it much easier to connect with ach other and people that they share interests with. More so, frequent and constant communication with each other can truly prove to be a great substitute for the personal touch that people look for when striking relationships with others. It also eliminates the expensive cost of traditional advertising materials. You are also able to save time and energy, both of which you can devote in other activities that will help further your MLM business. What is more, you are also presented several options on how you can build your MLM business online .

Social media marketing  is among the most popular and effective Internet marketing strategies . Its success can be attributed to the fact that social media has become a part of the popular culture. Facebook in particular is one of the many social media sites that allow people from across the country or even across the globe to interact with one another regardless of the great difference in the time zones. Through social media, people are able to make more friends than they could have imagined. Social media marketing usually involves social networks and other aspects to advertise online. Social media sites often provide advertisers the information regarding the likes and dislikes of the consumers. Facebook, for an instance, displays advertisements in the profiles of its users with respect to their likes and interests as indicated on their personal information. This allows the advertisers to reach the targeted traffic and nothing more. This allows you to get the best value for whatever you pay the social networking site. More so, you can derive a great deal of benefits from social media marketing.

An advantage of social media marketing is that it is a generally fun and enjoyable strategy to use. You are able to connect with other people who you may not have been able to meet without social media. You get to know these people and eventually create a relationship that goes beyond the business but involves intimacy and friendship. You do your MLM business much good while also adding color to your life through social media marketing.

As mentioned above, social media marketing is a cost-effective method you can employ for the growth and development of your MLM business. Using it will not demand from you much finances since it is often paid for every click, if not for free. Posts and comments from satisfied customers and downline members greatly enhance your credibility and also promote the business. This is free and is generally driven by word of mouth. PPC advertisements  displayed in social media platforms reach only the targeted traffic since Facebook and other sites only post ads for your business on profiles of those who are genuinely interested in it, as stated in their information and observed from their likes.

Social media marketing is also effective in generating traffic to your website or blog, potentially resulting in lead generation. Users often trust whatever information is posted by the social networking site or social media platform because they view it as an ultimately reliable source. As so, they do not hesitate visiting your blog or website and will trust you and your business a bit more since you are backed by the social media platform.

Another important advantage of social media marketing is that you are able to provide much-needed customer service and assistance. You constantly have communication with existing clientele and can answer the question of inquisitive leads. You are able to do these without spending much money, and not to mention time and energy.

What is more, social media networking provides the same benefits traditional offline marketing has to offer. More than that, it escalates all the benefits to a whole new level. Transactions and communication is faster, easier, and more affordable!

Social media marketing really has a lot of advantages. These are only a few, and you should formulate the social media marketing strategy that will ensure success for your multi-level marketing business.

Find out the real reasons as to why 97% of Network Marketers don’t stand a ghost of a chance in any company by checking out the Blue Print Learn how to dominate the market by learning what only the top 3% of this industry know!

Alternatively, you can visit Erving Blog to find out more tips and reviews on more upcoming opportunities and strategies regarding network marketing  and other home-based businesses.

Free Recruiting Report

FREE Video Reveals How A Former Frustrated Network Marketer Went From Recruiting Only 5 people in 2 yrs to Up to 5 people A Week…All Online Without Chasing Family And Friends Or Picking Up The Phone.