Tips to Avoid Bankruptcy

When individuals or businesses cannot meet with their
financial obligations, many make the assumption that the
only solution is bankruptcy. That is not always the case

If the right steps are taken from the beginning, you can
keep yourself and your family out of financial trouble and
away from bankruptcy.

First off, start by educating your children. Many of us
growing up weren’t presented with the tools and knowledge
to establish and maintain good credit and keep away from
the scare of bankruptcy.

Parents need to be honest with their children about
finances. Teaching children that hard work, no matter the
job, has its rewards and if you spend on a budget, there
will never be a fear of bankruptcy.

Establishing a budget is also key in the prevention of
bankruptcy. You cannot spend what you don’t have. Many
people today have multiple credit cards and are in essence
spending money they don’t actually have, plus more for

So much so that people are paying off credit cards with
credit cards and causing a terrible chain reaction. Spend
what you can afford, after the bills are paid.

But you will want to make sure you have something socked
away for an emergency. Something along the lines of two
thousand dollars is a good base to have stored away for an

It is another step to take to keep out of financial
trouble. Probably the most important thing though is to
watch your bank account. Don’t get yourself into a
situation where you are overdrawn.

The fact is more than a third of adults rely on their banks
overdraft to keep them going on a month-to-month basis.
Such actions are ones that lead individuals on a path to

Starting a Home Business

In this current day, the best business that anyone can start is a home business. Many people round the globe dream of starting a home business. This is because they want their own freedom and power over their lives. If you start a home business and be successful then you are likely to earn much more than in your current job. Moreover there are things which should be considered before one decides to start a home business because this is not something which will flourish within a day. A home business requires someone who is patient.

People start home businesses because they want ample time for their loved ones and friends. However you should note that it is not easy because you will experience many interruptions from all corners and so you need to be serious and strict. The first thing that you are supposed to do is to think about the business that you want to start and also whether it has market. This is basically having a plan before starting your home business. You should do some research and put down a list of home businesses that you know you are capable of doing. You should also put down a list of things that you dislike doing and the things which are difficult to do in your case.

After you have made your list, then you can now choose one that you know can be a successful business. The good thing about a home business is that you do not require a lot of capital and neither do you need a loan for that matter. An online business is one of the best home businesses because it only takes less than a minute to create. However many people join from second to second and so the competition is stiff. The good thing is that you work at the comfort of your home. You should do a research and know more about your products or services. This should be a regular thing. For you to be successful you should always look for new ideas and information.

One of the best home businesses is the Internet marketing or an online home business. This is because it is simple to start and the website enables you to promote your home business in a cheap and easy way. The most benefiting thing in this business is the reduced overheads. You should also look for clients online and once your home business is running smoothly, try and look for other ways of creating more streams so that the business can last.

Start Your Own Podcast

There has never been a better time to start your own podcast.

Sales of smartphones over recent years have fueled more interest in podcasts and now there are more podcast listeners than ever before. And the numbers are growing every year.

Planning your podcasts is a very important step in the process and many marketers make the mistake of trying to wing it.

A number of marketers have tried to create a successful podcast and failed.

This is because they tried to use outdated methods to get their podcasts noticed, or because they just didn’t know what they were doing.

There are many ways that you can monetize your podcasts and earn a significant income from them every month.

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What to Expect From Passive Income

Passive income is what a lot of people think of as ‘living the dream’. If you’re earning a passive income, that means that you’re making money from a website, a digital product or an affiliate product that you previously set-up. Now you can sit back and relax while the money comes pouring in! Potentially you can scale this business to become very wealthy but either way, you get to benefit from no longer trading your time for money!

But is it really like that? Are you really heading for a life-time of making money while you relax on beautiful yachts?

This is Not a Get a Rich Quick Scheme!

Maybe. But the first thing to acknowledge is that this is in no way a ‘get rich quick’ scheme. This is not a method you can use to make money without putting in the equivalent amount of work and time up-front. You are still working for your income, the only difference is that you’ve done this work ‘up-front’ as it were.

The other thing to recognize is that this takes a lot of time and a lot of trial and error. In the vast majority of cases, you should not expect to be making hundreds of dollars a day for a long time to come.

Instead, it will take time, work and a lot of patience to eventually get to that point. If you start your passive income business model thinking that you’ll be able to quit your day job right away, then you should expect to be very disappointed.

Instead, the best way to think about passive income, is as a good way to add a little bit of extra revenue to your existing set up. Try to think of ebook sales or clicks on adverts as ‘extra’ income and as a way to improve your overall salary.

This way, you won’t be disappointed even if you’re only making $20 in ebook sales a week. That’s still $80 a month and $960 a year – enough to go on a good holiday!

But more importantly, once you start making this money and you enjoy making that much, you’ll find that it starts to increase. If you don’t get quickly frustrated and give up on your passive businesses, then they will grow over time and start to make more and more money.

That’s how you successfully grow your passive income and it’s what will eventually allow you to give up your day job.

Endless Scalability

The other great thing about passive income models is that they are endlessly scalable. Because you aren’t trading man-hours for money, that means there’s no limit to how many times you can repeat the same business model over and over again.

Making a profit from selling an ebook on Kindle? Then why not make another? And another? And another? This way, you can multiply your sales over and over again.

And eventually, you’re almost sure to land on that ‘big hit’ that will be your real cash cow. It takes time, it takes patience and it takes luck. But it’s worth it!

What is Your Why

Knowing your why will make all the difference. So what is this ‘why’ that we’re talking about? It’s your reason for doing what you do and make no mistake about this – Your why will always have an emotional reason. You need to dig deep to discover why you want what you want.

If you want to get lean and fit, ask yourself why you want to do it. Be honest. Most people do not want to get in shape for health reasons. That’s so boring. Oh no no no! There’s always something else. If men want to get muscular, they probably want to turn women’s heads. They want to feel desirable. The same applies for women who want to shed the excess pounds. Maybe they want their spouse or partner to look at them in a whole new way.

There’s nothing wrong with a little vanity. What matters is that you know why you want what you want. Some people do it for bragging rights. Others want to prove their naysayers wrong. Then there are people who just want to achieve something worthy in their life so that they can have the confidence to say that they did at least one thing right.

Even a person who has had a heart attack and recovers will change his eating habits and be more active for an emotional reason. They may fear dying or they want to live so that they can see their kids grow up. This is the REAL REASON. They’re not doing it for the sake of being healthy. You must dig deep and self-reflect until you find your underlying reason.

Why do you want to make money online? It’s probably not the numbers that excite you.Saying that you don’t have your own boss is cool. Being able to brag that nobody controls you anymore and that you live according to your own rules is really fun. Being able to buy expensive things without worrying about your finances is beyond fantastic.
These are the emotions that drive you. Your job is to find out what it is… and once you do, WRITE IT DOWN!

This is your Warrior Purpose

If you want, you can even make a video where you record yourself on your mobile phone explaining why your goal is so important to you. It has to be heartfelt. You must be brutally honest with yourself. Save the video and keep the paper that you’ve written your why on. Always keep them handy.There will come a point when you’re tempted to give up on your goals and dreams.

This is inevitable. The universe is challenging you. It may seem all hokey but you can definitely expect struggles and obstacles to pop-up. At times like these, you MUST look at the why that you’ve written down or recorded. Rewrite it if you have to just so you remember and feel what it is you truly wanted.

This will prevent you from throwing in the towel. It will force you to choose between what you want now and what you want most. If you’re tired of starting over, then stop giving up. A warrior fights to his last. That’s his purpose. Your why is your purpose. Remember it at all times and keep refreshing your memory when the initial excitement of taking the first step starts to wane.