Budgeting

5 Things That Could Turn Your Financial World Around This Year

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Do you ever step back, take a look at your finances, and wonder just where you are going with them? More often than not in life, we tend to just go with the flow. We get up, we go to work, we bring in our money, and it becomes very normal to just live on autopilot. At the same time, you’re dealing with bills, house debts, car payments, and student loans and although you’ll tend to push that all to the back of your mind, you may find that it becomes a weight on your shoulders before long.

As much as we’d all love to have the perfect financial life, most of the time, we want to improve the situation we’re in. If that sounds a little bit like your life, then you’ve come to the right place. Because we’re going to walk through five different things that could help you to really change your financial life around this year.

Becoming Aware Of How You Spend

The first step towards making this happen will always to become much more conscious about your money. It’s just far to easy to spend freely, without really knowing where your money goes. Then, at the end of the money, you don’t really have anything to show for all the work that you’ve done. And it can become tiring. But when you start to track your spending, and then create a budget that you’re happy with, you will only ever spend on the things that you want, which can then allow you to free up more money for other things.

Deciding To Take Control Of Your Debt

If you’re someone that has debt, you’re not alone. It’s so common to go through life owing huge amounts of money. But you can also decide to take control of it. Whether you do debt consolidation or create your own plan to pay it off, starting to manage it better and work towards paying it off will really help you to get in a more positive position in the future.

Working To Add Value To Your Home

Owing money on a mortgage isn’t a bad thing, but you don’t just have to lose money this way. Instead, make your house debts work for you. Think about adding value to your home and moving on so that you can pay off more of your mortgage or even make some money in the process.

Starting Out With Investing

A lot of people believe they can’t invest because they don’t know how. But you don’t always have to be a pro when you start out. You could start off slow or find a broker, such as thinkorswim platform, to help you find your feet. Then, as you start to learn the ropes, you can increase your activity and grow your money over time.

Valuing Compound Interest

When it comes to debt, compound interest can be a bad thing. But when you’re trying to save money, it actually works incredibly well for you. You may be used to hating it, but once you’ve taking control of your debts and you’re working to save money, valuing (and making the most of) compound interest will be a good thing for you.

 


The Blockchain developments which are very soon coming in the year 2018

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During the year 2017, the entire industry was a witness to few of the biggest technology players which made noteworthy moves in the blockchain technology. Besides IBM and Microsoft, Oracle also announced in the month of October a brand new blockchain service offering which is based on cloud technology while SAP opened its easy access to its own version of the May offering. With such updates down the lane, it is rather safe to claim that Fortune 500 companies are gradually pairing with other providers to explore the uses of blockchain in the businesses.

There are several government bodies which are collaborating on the different possible benefits of the blockchain technology and there are few smart entrepreneurs who are thinking about how technology can be utilized as the base of new apps and smartphones. As we follow the journey of Bitcoin, here is what we can see unfolding in 2018.

  • The Middle East and Asia will push blockchain aggressively

The interest of people towards blockchain will keep remaining pretty high both in the Middle East and in Asia and there are few of the biggest banking institutions which will move ahead with different Blockchain projects, especially in payments. For instance, the banks in South Korea and Japan will just begin testing the blockchain technology which could accomplish international transfers on the same day and cut down costs by at least 30%.

  • Cybersecurity will magnify the adoption of blockchain technology

As there is a sudden rise of ransomware attacks which demand cryptocurrencies, IoT and blockchain cybersecurity with defenses that are based on the technologies of cryptocurrency. This might sound futuristic and fantastic but the welcoming of blockchain security tools will definitely be the biggest thing ever in blockchain. There have been few major breaches in Equifax which proved that companies are not able to protect their present identity data system and hence there is a need for a more secure identity approach based on blockchain.

  • A seismic jump in ICOs

As per recent reports, there is going to be a seismic jump in ICOs in 2017 since the cryptocurrency ecosystem will expand in a big way. In the coming year, the pace of growth of ICOs will grow sooner and this will overtake the venture of capital funding even in a better way.

  • Insurance and finance will go in

The finance and the insurance sectors are 2 of the most famous ones to experience a threatening disruption due to the blockchain technology. Insurance will very soon become one of the hottest areas as processing claims and complicated multi-party processes will show the business value of blockchain automation. JP Morgan will open cryptocurrency trading desk in spite of the viral comments of Jamie Dimon.



  • Privatization and automation are yet to come in

Blockchain will bring about digital transformation of the enterprise specifically with digitization, automation of the processes, tokenization of different physical activities and assets and codification of different complicated contracts. Besides this, the governance issues will keep plaguing bitcoin, ethereum and as the new challenges emerged. The enterprises will be driven to private blockchains this won’t slow down the growth of cryptocurrencies.

Therefore, when the blockchain technology is yet to create a staggering impact, you should take into account the above mentioned developments in the technology industry.


Understanding Penny Stocks for Day Traders

If you want to reach a state of financial freedom, you need to pick the right lane. Do you want to focus on the big time stocks that are stable and very unlikely to be volatile? Or do you want to trade in a space where the stocks are cheaper, but more likely to make moves to make you profitable? Penny stocks can provide that type of environment even for a new trader.

Penny stocks, as defined by day traders, generally fall into the category of $2 to $10 per share. They don’t actually cost pennies. They represent small cap companies that are trading with enough volume so that active traders can leverage enough shares to make a profit with their trades. It is a delicate balance and it can require trading on margin, which is basically trading on credit.

As an aspiring day trader, you need to be able to anticipate trends and pick hot stocks before they make their moves. It takes time to learn how to do that. That is where a day trading education site can come in handy. Finding a place where you can learn strategies and techniques from veteran traders through online video courses, where you can interact with other traders in a community of like-minded people, that can be a real asset for a newbie. It provides a place to learn valuable lessons before risking real money.

Penny stocks can make huge jumps during a particular day of trading. Being able to anticipate which stocks are about to make a jump is a skill that can be learned. You need to look for the right market conditions, the best historical data and technical indicators that precede a run on a particular stock. If you can jump in at the right bar at the right time, you can position yourself for a trade that makes 20-30% profit. Add up a bunch of those and you are in good shape for the day. Then string 4 or 5 good days together and you will have a profitable week. That is how you start.

The key is to search for the medium sized wins, instead of going after huge scores. You are not going to find the next Apple or the next Facebook in penny stocks. That is looking for a lottery ticket. Playing the lottery is very bad odds. You want to look to be profitable 60% of the time and keep your profit/loss ratio at 2/1. That means that your losses are small enough that your profits are going to come through on top.

Being able to trade in a simulated market with virtual currency gives you a chance to make the wrong moves and still survive to trade another day. That makes the learning curve a lot shorter when you get into trading real money.


The Indian Budget 2018 – Personal finance highlights you shouldn’t miss

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If you are pretty aware of the Indian Budget 2018, you will know that it was one of give and take. However, keeping the taxpayer in the forefront, it was more of ‘take’ than ‘give’. On one side, Arun Jaitley brought into effect the standard deduction once again and offered few new reasons to cheer to the seniors and also increased the total take-home pay of women who are employed in the workforce.

At the same time, he took away all the travel and medical allowances for the entire salaried employees and instead introduced capital gains tax on equity for the long term and even increased the cess which people had to pay on income tax. Here are few personal finance takeaways that you should learn from Modi government’s latest budget and implement them before the upcoming year.

#1: There’s no change in the slab of income tax for the individuals

Due to the fact that the Indian government had made different sorts of positive changes to the rate of personal income tax which are applicable to the people since the last 3 years, Arun Jaitley left the entire income tax slab unchanged this year. Hence the impact on people is NIL.

#2: Income tax cess increased to 4%

Budget 2018 was said to increase the cess on the income tax, straight from 3-4% and this in turn increased the tax that is payable by all categories of tax payers. This hike will have an impact on all different sections of the taxpayers. Due to this hike, the tax liability of the income bracket with highest tax will increase to Rs. 2625. For the middle income tax payers, their liability will soar up by Rs. 1125 and the marginal increase for the lowest bracket will be Rs. 125.

#3: Reintroduction of standard deduction

Budget 2018 has provided a new standard deduction of Rs. 40,000 from salary income to the employees. If you don’t know what standard deductions mean, it is a flat amount which is deducted from the income before tax calculations on the income. This was a part of the Income Tax Act till the finance minister, P. Chidambaram. This standard deduction will just benefit the non-salaried people and the pensioners.

#4: Transport and medical allowance knocked off from salary

As the Budget 2018 offers yet again the standard deduction of Rs. 40,000 from salary income to the employees, it even takes away annual transport allowance of around 19,200 Rs and medical reimbursement of 15,000 Rs. Once again, the salaried employees will certainly be at a disadvantage. Individuals with income of more than 5 lakh would shell off more tax after the standard deduction. This will have a neutral impact on the pensioners.

Therefore, when you’re a resident of India and you don’t know how to adjust your personal finances in accordance with the Budget 2018, you should definitely take into account the above mentioned factors. Stay on top of your finances and make sure you don’t take any wrong steps which boomerang your decisions in the long run.


Women also need to plan their financial roadmap – Resolve on this Women’s Day

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There’s no denying the fact that all women should have a pre-fixed goal based fiscal roadmap in place, irrespective of their work status or their marital status. Women were actually more involved in handling day to day finances and their family budgets. But as times keep changing, there is also a demanding role that needs to be played by women in settling down with some long term financial goals. Their children’s education, retirement, saving for family are few among the many long term goals that you need to set. When there is a family which sets all the goals together, the members tend to feel invested in making decisions and hence they save towards achieving the same goal.

There are several facts that women should be aware of before drawing a financial road map for themselves. What are they? If you don’t know what they are, here are few things that you should take into account.

It is important to participate in family finances

Traditionally, it has been seen that women were always less involved in the fiscal aspects and in making investment decisions. Due to this, they have always had very restrained knowledge on the different investment areas and on the overall fiscal situation of the family. It is vital for the women to stay aware of all the documents, investments and loans that are not only in their name but also in their family member’s name. When they try to stay involved in such family matters, they get a keen understanding of the different financial instruments.

Financial literacy should be worked on

Usually it is nothing but the lack of knowledge which leads to so many women taking a backseat as long as your finances are concerned. Due to the lack of knowledge, they hesitate to learn more regarding financial products since they rely on men who can instead take the lead in such areas. Hence you should read magazines, newspapers and online content on finances so that you can get a definite understanding on finances and remain updated on the developments that are going on at the current moment. You can choose an advisor who can help you in enhancing your knowledge on financial products.

You have to be prepared for different emergency breaks

Being a woman, you have to be careful about saving enough money in your bank account, so much so that you can go without money for at least 6 months. The spouse also has to contribute equally to maintain this emergency fund. Experts always suggest that women should always have an emergency account and they should always be prepared in order to tackle them. Hence, it is vital to have spare cash at hand at any given moment.

Prepare for retirement

Women should be more cautious about their retirement time since they tend to have a longer lifespan when compared to men. Hence, throughout their lifespan, they should remain fiscally healthy. As it is more likely that women may face more financial hardships, they should work towards crossing all obstacles and financial hardships so that they could live longer and lead a happy life.

Therefore, being a woman who is thinking of celebrating this Woman’s Day in the most worthwhile way, you should take into account the above mentioned ways of understanding household finances and everything about it.


Are you someone who is on a credit diet?

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Since it’s almost February end, it’s that time of the year when majority of us are striving hard to meet out New Year resolutions which range from curbing intake of carbs and calories, losing weight, restraining intake of alcohol, eliminating all sorts of toxic relations and emerging into being a better person altogether. The list of ‘fresh starts’ will continue and most often it is seen that the resolutions last for just a month and then they fizzle like ever year and we all sleepwalk into our old bad habits. Till the next New Year arrives, we again wish to make the same resolutions and follow the same fate.

The credit gurus advise people on sliding onto a credit diet. One of the most vital things for your well-being is financial health. Majority of the consumers, as per National Credit Regulator’s Credit Bureau Monitor, around 10 million people are credit overweight and they should immediately go on a credit diet. If you thought ‘credit diet’ to be a quick-fix diet, you’re wrong as this is rather a change to lifestyle which requires discipline. For few consumers who are credit overweight, weight loss (Credit) might occur quickly whereas few others may take time.

Factors which lead to unhealthy credit lifestyle of a consumer

What are the few factors which contribute to the unhealthy credit lifestyle of the consumers which lead to so much debt in the nation? Here are few:

  • Instant gratification: People nowadays are not ready to for wait for a certain period of time for buying something that they have been dreaming of. Even when they don’t have enough savings, they immediately buy with their credit cards which lead to the vicious cycle of debt.
  • Not enough knowledge: People are extremely ignorant about what credit is, what its cost is, the fees, the interest rates, the penalties for non-payment and late payment. This ignorance leads to making poor financial decisions in the future.
  • Over indulgence: They tend to take out credit or respond to the advertisements of the credit card companies. Even when they have credit cards already, they have the habit of taking on more cards without any reason.
  • Peer pressure: There are many who feel the pressure of matching up with their peers regarding credit maintenance. When their peers take on new line of credit, they too feel the pressure of taking on so that they could brag about them in family or friendly gatherings.
  • Unforeseen situations: If you lose a job or there are sudden expenses for which the consumers don’t have any provision, then they take resort to credit.
    Keeping up with the credit diet plan
  • Shun unnecessary offers: You will get many ‘pre-approved’ and ‘you qualify for’ offers which if you fall for will lead you to debt. If you don’t want unplanned monthly instalments, don’t fall for such offers.
  • Clean your credit record: It’s vital for you to pay off your unsecured debt on time and also in full amount. If you make late payments or you tend to skip payments, this information will reach the credit bureaus and hence will hurt your score.
  • Have a debt payment plan: You need to start off with paying back the debt which has the highest interest rate. As the debt is paid off, make sure you close the account.
  • Stop binge spending: Just because your friends took a new credit card doesn’t mean that you too have to get more credit without any reason. Stay away from impulsive credit.

Therefore, now that you know the ins and outs of going on a credit diet plan, follow them in order to adjust your lifestyle accordingly and stay on top of your finances.


5 ways to raise capital funds for a start-up

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Starting a business involves a number challenges for a young entrepreneur. One of the toughest challenges involves capital funding as you come across very few investors in the market. It’s not impossible to find an investor, but you may resort to a few alternative options in order to enjoy the financial success. Identifying the right source for capital funding often leads an entrepreneur through some misconceptions.

One of the most common misconceptions pertaining to capital accumulation is about acquiring debt from unreliable sources. Business owners are scared of jeopardizing their financial situation when the loan interests reflect a sharp rate hike. If you haven’t been careful initially, you must brace yourself for the worst. It really helps when you come across a few quality resources that can prepare you in advance.

Few good tips on capital funding to help a business flourish in no time:

1. Check out your wallet at the beginning.

All of your retirement, home equity, and savings accounts need to be tapped. Till the time you invest your own hard-earned money, you can’t expect others to put your money at stake. Investors possessing profound knowledge tend to support founders that have more confidence in their activities. Most investors prefer to go with entrepreneurs that have more than just “sweat” to spare in times of need.

2. Resort to bootstrapping.

In your attempt to stretch the financial resources of your business, you must consider each dime as if it’s a dollar. You’ll learn to manage your finances better when you continue to make necessary payments in time. Meet all of your business expenses out of your revenue every month as you proceed. You might fall short of cash during the initial phases. However, your path to raise capital gets more flexible when you start bootstrapping for securing a good validation in the market.

3. Consider funds that are not dilutive.

Solicitations and grants are not always the best option for a start-up business. But you ought to check them out before you turn down such offers. You’ll only need to bear a much lower rate of interest when you opt for loans or grants just to ensure a fast growth of your business. Such sources of capital accumulation often provide your startup with huge sums of money. That’s why you ought to plan your strategies and operate freely.



4. Acquire capital based on milestones.

Falling short of capital is equally bad to that of accumulating excess capital. You won’t need to give up on equity be it about reaching milestones or meeting your capital requirements.

5. Develop your line of credit.

Bankers tend to vet you when their lending competitors have already done so. They are more likely to return your calls when you adopt the right funding strategy. Sourcing funds through the initial stages don’t draw any silver bullet. Keep yourself from committing a suicide by laying more emphasis on bootstrapping and by following the right funding strategies.

The need to accumulate a huge amount of capital up-front for achieving quick success constitutes a popular entrepreneurial misconception. A move like this could ruin the prospect of dropping a successful anchor right at the beginning. Follow the tips mentioned above if you don’t want to give up equity early on. There’s no need for you to raise more of investment capital unnecessarily.


How to improve your financial situation and lead a life free of worries

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Financial security is not about setting yourself free from debt. It’s actually about enjoying the freedom of making your own financial decisions. You must listen to your inner voice instead of letting your decisions be influenced by the balance shown in your bank account. This article throws much light upon the vital aspects of personal finance, especially for those that wonder how to secure financial freedom.

1. Draw a family budget

Budgeting is truly important for every individual, but you often tend to forget it. This is an important aspect of personal finance as you often tend to spend more than what you earn every month. You’re bound to meet with a financial crunch sooner or later if you continue to overspend now.

You must plan your expenses in advance if you really want to restrict yourself from overspending. Budgeting is a very important step that you ought to consider at this juncture. Budgeting helps you to make a list of all your expenses and identify those that you can’t do without. This way you can actually set aside a specific amount towards each of your expenses.

You shouldn’t be spending more than what you have in your account. You’ll need to cut back on your overspending habit once you draw a budget.



2. Pay off all dues

Paying off dues early on holds the key to your financial success. Your entire financial situation gets better when you start paying off your debts. Carrying your debt burden to the future often keeps you from pursuing your long-term future goals. You’ll move one step closer to your financial freedom when you consider paying off debt as a top priority in life. Both the snowball method and the avalanche method are very effective in meeting your dues. You’ll need to compare various repayment methods and pick the best one for yourself. You may curb certain unnecessary expenses and use your extra savings towards loan repayment. It’s certainly going to be a small sacrifice for achieving financial freedom regardless of whether you’re keeping yourself from dining out or from visiting a theatre. You must try to earn more if you really wish to expedite the repayment process.

3. Save for your golden years

It has become a natural practice to carry your debt till retirement. It poses a serious barrier towards your plans for enjoying the golden years. Some of our living expenses aren’t covered by the time we retire. This happens since all of us don’t have the same potential to earn our livelihood. The variance of our income leaves an impact on our savings and financial planning for the future. Your financial freedom depends a lot on how much you’re able to save for your retirement. The balance that you have in your bank account gets compounded every year depending on your annual saving potential. It enables you to achieve a better financial position and enjoy the rest of your life after retirement.
Adopting a few extra monetary measures will certainly help you manage your financial situation, pay off dues, and save more. You may consult with your creditors about filing bankruptcy, settling debts, and choosing repayment plans. It will certainly help in improving your overall financial situation within a short span of time.


Wise money moves that you should make by the time you’re 50

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Are you someone who has always been delaying your money matters? If answered yes, now is the right time to take control over your personal finances. With the upcoming New Year, it is important to be careful with your finances so that you don’t spend another year drowning in debt and in getting harassing calls from your creditors and lenders. If you wish to set the next 50 years of your life right and you want to spend a financially sound life, here are few steps that you can take.

  • Accelerate the speed of paying off debt

When you work during the last few years before retiring from work, would you like to deal with heaps of high interest debt? Definitely not! In order to stay away from your current debt load during the time of retirement, you should start paying off your debt from now. Debt means anything from mortgages, car loans, credit cards with bigger credit card balances and personal loans which you have been carrying for a long time now. You will definitely hear from retirees that living without a mortgage is definitely monetarily liberating and hence you should work hard to make timely payments.

  • Take a close and careful look at your life insurance

Do you still don’t have adequate coverage on your life insurance policy? Or do you think you’re underinsured? If answered yes, as per recommendations from The American Council of Life Insurers recommend having sufficient life insurance coverage that is of 7-10 times your salary. Henceforth, if you’re someone who is earning $50,000 in a year, you would want a policy which could pay around $350,000 and $500,000 to your beneficiaries. People find out that by the time they reach the age of 50, the appropriate term insurance may be expiring and the life insurance requirements will increase.



  • Diversify your investments

This is that phase of life, you wouldn’t wish to make financial mistakes and investment blunders as they can derail your game plan for retirement. This is why you should ensure that you don’t invest your entire savings in only one investment account. In case you have investment, review your coverage or hire a financial advisor who can help you diversify your portfolio. Start adjusting your investment risk before you reach 50 years and this is how you can maintain the growth in the coming years.

  • Set up a trust or will

You must have delayed creating a will for too long a time constantly telling yourself that you don’t need to hurry about it. But hey, this is the best time now to update or create your will. You can either hire a lawyer or pay him for creating a will or you can leverage an online software or use forms bought from store which comprise of will that are pre-printed.

Therefore now that you know the different steps that you should take in order to spend a hassle-free retirement, what are you waiting for? Start taking immediate action and secure your long-term future.


Coping When Your Earnings Take A Sudden Tumble

The idea that your earnings can take a sudden tumble can be a stressful one, but it’s something that can happen to almost anybody. It can be especially alarming if you don’t already have a firm hold over your finances and have been living paycheck to paycheck. Maybe you’re actually on maternity leave and your drop in income has come from that, or maybe you’re ill, or maybe you’ve simply had to take a pay cut. Whatever the reason, knowing how to cope when this happens to you is crucial.

Here’s how you can cope when your earnings take a sudden tumble:

Start Budgeting ASAP

The first thing you need to do is start budgeting, if this isn’t something you do already. Many people simply make sure they have enough for their bills, and then spend the rest on whatever they like. However, there’s a flaw to this. If you’re not dividing the money you have left into separate pots too, then you might realize you can’t afford something when it’s too late. For example, you should allocate a bit to eating out, a little to toiletries, and so on and so forth. If you spend everything you have left over in your favorite clothes shop, you’re going to be upset when you realize you can’t afford the family meal that has been planned for months the week after. Budgeting is smart and doesn’t mean you have to scrimp and save every single thing you earn.

Find Ways To Destress

Losing earnings can be stressful, so find ways you can destress. Spend more time doing the things you enjoy, take part in some yoga, maybe even meditate. Don’t let this stress get the better of you. Use this time as a learning curve to change your mindset, start talking positively, and your situation might just improve. Even if it doesn’t, you’ll feel happier. Here are a few ways you can feel less stressed:

Deep breathing – try the 7/11 breathing technique.
Yoga.
Meditation.
Baths with salts.
Aromatherapy.

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Figure Out Where You Can Start Reducing Your Expenses

There are more than likely ways you can begin reducing your expenses if you look closely enough. How much you reduce can depend on the amount you’re losing out on. For example, when was the last time you looked at new utility bill suppliers? You could be losing money if you haven’t checked for a while. You can work on saving energy in the home, and even downsize your car. The average person tends to spend $2000 on average on eating out per year too, so see if there’s a way you can cut back on this.

See If You’re Entitled To Compensation

If you’re losing income due to an accident that wasn’t your fault, you may be able to claim compensation. However, you’ll need to discuss your circumstances with a professional company like Crossen Kooi Law Firm first. Compensation may not be available for everybody, but it may be available for those who are injured, or those who have unfairly lost their jobs.

Get All The Help You Can

Help is out there, so don’t suffer from this change in lifestyle alone. Get the help that you can. See if you can speak to a financial advisor for free and use the advice that they give you. See if you’re entitled to any government benefits – this can vary depending on where you are in the world. Food banks can be find in a multitude of places, so if you need them, don’t be too proud to go along. They will be able to help you, especially if it’s an emergency.

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Let Your Loved Ones Know What’s Going On

You might be too proud to tell your loved ones what’s going on, but you should find a way to tell them. Most of the time, they will want to help. At the very least, they’ll want to be sure you’re ok. Sometimes, having somebody to talk things through with can make all the difference.



See If There’s A Way You Can Earn Extra Income At Home

The more sources of income you have, the less you have to worry if one of them is struggling or you even lose one. This can take time, but you’ll be glad you did it in the future. Start by selling things you don’t need or use. Walk around your home and imagine that everything has a price tag attached to it. If you haven’t used something in a few months, chances are, you’re safe to sell it!

How about starting something on the side? People can usually do this with nothing but a laptop and the internet these days. Of course you may need to teach yourself a few new skills using YouTube and other resources, but it isn’t impossible to replace the income you’re losing if you’re determined. All you need is a can-do attitude and a willingness to learn.

Avoid Get Rich Schemes At All Costs

When you’re losing income and you’re feeling desperate, it can be tempting to look at get rich quick schemes to make money. However, you should avoid these at all costs. Anything that seems too good to be true probably is. Avoid pyramid schemes. If you’re not sure what they are, research them. Ever noticed how people will brag about how much money they’re earning on social media and then try to recruit people as part of their team, claiming they can earn an uncapped amount of money? Those are the things you need to be wary of. It’s not impossible to make money doing it, but it isn’t as easy as they make out – they’re probably not making as much as they make out either.

Coping when your earnings take a sudden tumble can be tough, but don’t fret. You can get back on your feet when you start using the tips outlined here. Stressing out about your situation will only make things worse. Find somebody to confide in and look after yourself. Thanks for reading!


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