5 Simple Ways to Lower Your Monthly Bills & Save Money

Here you’re going to learn several ways to save money every month by lowering your monthly bills. 

There are lots of ways to save money, no matter how much of it you have – or don’t have! 

Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage. 

All you need to know is where to look to find the savings. 

Several Ways To Save Money

The first thing you need to do is eliminate ALL of your unnecessary expenses:

eating out on the weekends
buying lunch at work every day
magazine and newspaper subscriptions (especially those you can get online and at the local library)
cable TV (you’d be amazed at how many other ways you’ll find to spend your time once you get rid of cable TV)
groceries (you can save lots of money with coupons and specials.) 

It’s OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can! 

To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates, even if it is only for a short time. 

You’ll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month. 

Shop Around For The Lowest Prices

For those expenses you can’t eliminate, it’s time to start shopping around for the best prices. 

Once I realized you can shop around for just about ANYTHING you spend money on every month, I learned how to save myself SEVERAL HUNDRED DOLLARS each and every month! 

In fact, by shopping around I ended up saving myself more than $750 a year on car insurance alone! 

The same is true of many of your monthly expenses – like long distance telephone service, internet service, all types of insurance, mortgages, and in some places even your utility bills. 

It DOESN’T take any special skills. All it takes is a few clicks and you can save yourself a bunch of money in no time at all! 

So, if youd like to save yourself lots of money every month – and who doesnt – start shopping around and looking for ways to lower your monthly bills right away!

Great Work at Home Opportunities

If you are looking for a legitimate way to make extra money without too much effort, work from home typing jobs offer a great opportunity to put money in your pocket, and you’ll barely break a sweat.

The advantages should be obvious to anyone considering this job opportunity; you can work when you want, you can work as much as you like, you can work from home, you need only a computer and an internet connection and the work assignments are usually short in nature. You don’t even have to be a great typist! This type of work is great for stay at home Moms and Dads, college students, retiree’s etc

The key to success in work from home typing jobs is finding steady assignments. There are plenty of ‘work from home typing jobs’ networks online that charge a small registration fee which enables you to receive these typing jobs at home. For example, many online companies need short 2-3 line ads written on a daily basis based on a changing product or service that day. 

The online typing network company is the connection to all the other business’s that need the typing services, which you will ultimately provide and earn money for. This greatly improves your chances of getting steady work because all you need to concentrate on is the typing assignment which you receive in your email box. All the administrative details and contacts are worked out for you. So, If you like the idea of working at home, making good money, and have a computer and an internet connection, these online work from home typing jobs may be a great option. 

If you want information on how to choose the best “typing jobs at home” networks, then see the links below. These companies are established, have good reputations, have good customer support and easy to navigate members areas.

Writing Jobs

Get paid with social media

Write App Reviews

More Writing Jobs

Live Chat Jobs

Would You Like to Make Money Online?

If you answered yes to the above question, then you really need to take a look at the below statistics – the numbers amazed even me!

There was an important news story recently, that never made the 6 o’clock News or the front pages – but it has fundamental implications for the future of online business.

Hidden away was the news that spending on Internet advertising is going to exceed 10 Billion Dollars this year, for the first time ever. The actual figure for the year is over $13 billion, and roughly translated into real money thats 7.5 Billion.

Why is this important and whats this got to do with your home-based online business?

Let me put this in perspective. In 1999, at the height of the dot com boom, spending on internet advertising reached $4.2 Billion – so we’re now at three times the spending of the dot com boom! This is dramatic news. We’ll look back on these years and realise were living through the real internet revolution, right now!

The possibilities this offers your online business are tremendous. The downside is that many people are going to get left behind, because they realised too late… that in 2005 and early 2006… it’s absolutely essential that your business is also an Online Internet Business.

Internet sales are increasing as a result of this advertising as well, which wasnt necessarily the case with the dot com boom!

To give you an example of why this is the case, rather than fight my way into town by car or sit on a congested train yesterday… I sat back, made myself a cup of tea and did a little online shopping. I actually found some great deals online, and when delivery is free, you can often buy more than youd otherwise buy!

But heres where it gets interesting… This week, Ive also bought (online) a spare part for a car (needed urgently by a family member and delivered the next day), a dressing gown (present), some envelopes, a new door bell, two new detail sanders (for the guys currently working on my house), some software, and a new road map for the car.

Now, I could easily have popped into town and collected all these presents, parts or items, but the point is that I didn’t. And, if the companies I bought from didnt have an Online Business, they simply wouldnt have received that sale from me.

On the face of it, one sale may not seem very important, but if you look at todays society – where no-one has the time to stop in the street and complete a survey (yes Im guilty of that too), no-one has the time for lunch, and everything must be ‘quick’, ‘now’ and ‘instant’… you simply have to offer a painless, quick and instant Online Business service if you want to survive.

Problem: People have no time to shop. Solution: Offer a way in which people can buy from you 24 hours a day, and from the comfort of their own home.

When you do, I guarantee that your online business will experience phenomenal growth. All you need is a half-decent website and the correct marketing strategy behind you.

START MAKING MONEY ONLINE NOW!

What is Affiliate Marketing

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Affiliate marketing has many descriptions, yet all have the same meaning. Affiliate marketing is a huge business piece on the Internet. It is a cooperative effort between merchants and an affiliates website. For many years now, affiliate marketing has proved to be a cost-efficient, measurable method of delivering long-tern results. It has become famous for Internet sites who are trying to make some extra or additional income for their site. Every day, people get interested to affiliate marketing and want to make money out of it. But in many cases, these new affiliates do not fully understand the affiliate world and make costly mistakes. In other words, affiliate marketing has often been misunderstood. 

One of the common misconceptions that are being associated about affiliate marketing is selling, though selling is an important activity of affiliate marketing and the central function of a business operation. Another is that affiliate marketing is commonly linked with advertising. While the importance of advertising in marketing a certain product is not to be underestimated, the fact of the matter is, advertising like selling, is merely a part of the many functions of marketing. 

In affiliate marketing, an affiliate is compensated for every visitor, subscriber and/or customer provided through his efforts. The said compensation may be made based on a certain value for each visit. The most attractive aspect of affiliate marketing from the merchants viewpoint is that no payment is due to an affiliate until results are appreciated. 

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Affiliate marketing is typically being run by affiliate networks and this affiliate networks are composed of two functional bodies, the group affiliates and the group merchants. Each has their special function and role when it comes to affiliate marketing. The affiliate network acts as a third party between the merchant and the associated affiliates. The network provides the technology to deliver the merchants campaigns and offers. The affiliate network also collects commission fees from the merchant and then pays the affiliates which are part of the program. 

The merchant is any web site owner that wants or desires to take advantage of performance based marketing. The benefits to the merchant are many. First, the merchant maintains and operates the affiliate program. If it would be extracted, the merchant needs to do their part by researching interested affiliate websites to ensure that they are a good fit for that particular website. Finding a fit for their merchandise would be the key to more generated income. The merchant has access to markets and customers without him spending valuable time searching out. Banner ads on affiliate sites are not distracting to the site user. It might produce interest for that product and drive the consumer to the merchants website. It is also the merchant who decides how much he is willing to pay for each sale that results from a visitor sent from an affiliate. 

The affiliate or the affiliate marketer also sees a lot of benefits. The affiliate is a web site owner that promotes one or more merchants and their affiliate programs. Affiliate marketing can generate a full-time income for the affiliate. But this is not an easy task to accomplish. The affiliate needs to have a better understanding with the merchant what the commission will be, expected payment method and time involved in the contract. The affiliate has also the responsibility to stand for the merchandise their user based would be most interested in. For example, if the site has a user base of mainly stay-at-home mothers, then on-line job openings such as surveys would be a good match for them. This group would also appreciate direct links to childrens products and informational sites. Merchandisers often provide targeted, best-seller items and personal support to their affiliate. They often offer sales promotions that will benefit the merchandiser as well as the affiliate. 

Affiliate marketing is a great situation for both the marketer and the affiliate. If they would work together, they can be an advantage to both. Plus the fact that it seems to make sense, it is easy and inexpensive way to start, and you can be up and running within a few days. But there is one thing to consider, it is how to get traffic and make your offer different than all others.

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Where Can I Find My Niche? Finding Your Ideal Prospects

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Most marketing experts will tell you that you need select a niche or a target audience. That you can’t just market to “whoever is paying attention” and be successful.

Why is that? Think about it this way: if you are having a conversation with a total stranger, how do you know what to talk about? Unless you are able to find some common ground, the conversation will probably be short-lived.

Because neither of you have an understanding of the other, you must find a way to make a connnection to involve each other into the conversation.

The same holds true for marketing. You must make a connection with your audience if you want them to pay attention and stay around to find out what your product or service is all about.

And, in order to make a connection, you have to know something about them. You have to know what problems they have that you can help to solve. You have to understand them.

That is why it is so important to select a niche or clearly defined target audience. Because once you’ve selected a distinct group of people you believe you can best help, you can research them so you begin to understand them.

Then and only then can you really communicate effectively with them. And that’s what marketing is; communication.

But once you’ve identified your target or niche, you must also be able to find and market to them.

The first step in doing that is to define them more specifically. How?

My suggestion is to ask yourself the following 10 questions to help develop a very clear description of your target. Then it will become much clearer to you where you can find them.

You may need to make some educated guesses when answering these questions and that’s okay. It’s a start and you can always refine your answers as your business grows and you begin to understand your target more.

As I go through these 10 questions, I’m going to use an example of a client of mine who is a life coach who wants to help adults who are childhood victims of maltreatment or victimization, improve their health and wellness.

Why am I using this example? Because it is a clearly defined group, BUT these people do not wear a sign around their neck advertising who they are. So, they can be difficult to find and market to. Therefore, it makes a great example.

You can apply these same 10 questions to your business or niche, regardless of what they are. They are universal questions that apply to any type of business or target audience.

EVERYTHING YOU NEED TO KNOW TO START A SUCCESSFUL INTERNET BUSINESS

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1. What is their primary problem you can help solve?

Our life coach needs to clearly identify the current problem her potential clients are dealing with as a result of their childhood maltreatment. That is the problem she can position herself to help them overcome. Is it relationship issues? Is it job issues? Be as specific and focused as possible.

2. Are they primarily male or female?

Our life coach has identified her target as females.

3. How old are they?

Our life coach says they are high functioning professional women. In that case, I’d say we’re primarily talking about women between the ages of 25 and 45 years old.

4. Where do they live? What type of community or neighborhood; urban area; suburban area? Also, do you have any geographic limitations (real or self-imposed) regarding where you can market or deliver your services or products?

If they are high functioning professional women, they likely live in a nicer suburban neighborhood or perhaps an urban area. Our life coach will need to identify where she believes the majority live in her area and whether she only wants to work with women in her immediate geographic area, or if she wants to do distance coaching.

5. What type of work do they do? And where do they likely work? Their type of business as well as geographic location.

Professional women could be corporate professionals, doctors, attorneys, entrepreneurs or solo-professionals. Our life coach will need to identify the fields she wishes to focus on, taking into consideration the ones she feels include the greatest number of her target clients.

6. What is their socio-economic status or annual household income?

High functioning professional women are probably enjoying financial success, making them of a higher socio-economic class. They probably earn a good income and enjoy the finer things in life. Money is probably not an issue.

7. How do they spend their leisure time?

Do they belong to a gym or health club? Do they go to the movies or out to dinner frequently? Or, do they have young children and spend their time at elementary school functions, family picnics, children’s birthday parties or weekend soccer tournaments? Our life coach may need to make some assumptions here based on what she knows about her target. Again, that’s okay to start with. She can always fine-tune this later as she begins to understand these women better.

8. What is their family structure or home environment?

This niche of professional women probably includes single women as well as those who are married and have children. Therefore their home environments may vary. They may have no support or family network. They may have strong family support. Or, they may be having issues with their family based on their past. Our life coach will need to keep this in mind when she selects marketing avenues and writes her marketing messages. She’ll want to focus on what they have in common and steer away from areas of abiguity.

9. Do they belong to any associations or professional organizations?

If our life coach selects one or several industries to target, she should be able to easily identify associations or professional organizations these women belong to. Once identified, these are excellent venues for networking and speaking opportunities.

EVERYTHING YOU NEED TO TO KNOW START A SUCCESSFUL INTERNET BUSINESS

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10. What are their media habits?

Do they read the newspaper or magazines? If so, which ones? Listen to the radio? If so, which formats do they likely listen to? Do they watch TV? If so, which programs do they likely watch? Do they spend time on the Internet? If so, what kinds of web sites do you think they are visiting? Where do you think they are currently getting their information about health and wellness? These are all potential places to reach your niche with your marketing message.

Yes, again our life coach may need to make some assumptions. However all of these media can provide you with detailed demographic profiles of their audience. So if we’re looking for professional women in a certain geographic area, we’ll be able to find out if they are among the audiences for these different mediums.

Answer each of these 10 questions to the best of your ability. Talk to current clients to get insights. Or, talk to friends or colleagues who fit your client profile to gain a better understanding of who and where they are.

Once you build this target client description, you’ll have a much better sense of where you can find them.

The next step is putting together a marketing message that speaks directly to them and what they are dealing with. The more you understand them, the more you’ll be able to craft a message that will hit home with them. That message will become your magnet, attracting the people who you can best help.

EVERYTHING YOU NEED TO KNOW TO START A SUCCESSFUL INTERNET BUSINESS