Archive for March, 2009
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March 15th, 2009
Ways to Make Cents at Home
In the midst of all these skyrocketing prices, come the how’s, ways and means to save money and earn extra.
There are creative but practical ways you can engage in to help the family save and at the same time earn extra. The things that have been sitting in your attic for sometime and those that become all too familiar and useless might mean extra bucks. This way, it saves you space, cleaning materials and containers. This reduces maintenance expenses.
Garage sale at home is a save-and-earn endeavor for starters. Look at the success of flea markets where people can buy almost anything at a lower price but large amount of income for vendors.
How to maximize the potential of flea markets and bargain sales to help you save? Primarily, a flea market is a place where almost all who have something to sell can sell for tremendously lower costs but good quality items. If you have the right tools and enough preparation for a day’s trip to a flea market, then you are ready to go with some handy tips:
1. Ready your tools, maps, measurements and cash:
• easy-to-carry tool kit with screwdrivers, pliers, tape measure, pencil, ropes, set of swatches, paper and plastic bags and boxes;
• floorplan measurements;
• maps, directions and phone numbers;
• bring enough cash and checks for high-priced items;
• dress yourself appropriately for bargain hunting.
2. Early birds usually get the best selections.
3. Keep a critical eye during shopping.
• Be ready to negotiate and haggle on the prices of items.
• Items sold here have greater possibilities, either you can redecorate or repaint them to make it look unique and attractive.
How to make this activity an earning endeavor? After your hands-on training in an established flea market, hope you took note of your observations and ideas; it is time to try out on your own.
Bear in mind five things crucial to garage sale success: location, date and time, variety of goods, organization/presentation, advertisements and prices.
• Spot a strategic location where people can access and drop by easily. Your house is the perfect venue for this. Weekends are the best to schedule your sale.
• During your cleaning session, take note of candidate items for the sale, label them (keep, for repair, must go) and give them a brand new look.
• Organize them well according to prices, use arrangement styles, decide on the tables, baskets and boxes for the items and decorate your venue with fabrics and other helpful materials.
• Lower your prices. The idea here is to dispose of the things but earn from them reasonably.
Good luck! F.G
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March 15th, 2009
Your Business Can Survive a Recession
When there is a drought, most farmers pray for rain. Will that make rain pour from the heavens? No and the same thing will happen when you are stuck in a rut during a recession. You just have to wither out the storm because this is the only way you business will stay afloat.
No matter if your business is small or large, marketing is the best way to get your message across to the people. During a recession, you have to make cuts in the budget and instead of spending more on advertising, it is best to use this money in retraining your staff because customer service is key when you want to set yourself apart from the competition.
Cuts should also be done in terms of how much you get from the business and if you are the owner, the best way to do that will be to lower the profit margins until such time that you can put them to normal levels.
By doing that you are able to satisfy the most important person you will ever meet in your business and that is the customer. Another solution will be to offer sales and discounts as this ensures their loyalty.
If you have to answer to shareholders, tell the situation even if they already have an idea how things are. You just have to reassure them that things will improve. After all, a recession is cyclical so they will soon get a return on their investment.
During a recession, a lot of businesses will retrench their workers and close down several offices. If you are a gambler, this is the best time to buy new equipment and try to take a larger share of the market. If you decide to do this, make sure you get a fixed rate so won’t have a problem paying for these goods.
You might think that most banks are not willing to lend people money but thanks to the bailout, you are able to do so. You just have to tell the bank what steps you are taking during the recession so they know what you are doing and understand that the steps you are taking are for the long term.
Should business be really tough and cutting expenses be not enough to help your business stay afloat, you should be prepared to let some people go. When you do this, make sure you are only dismissing employees who can easily be replaced when the crisis is almost over.
If you want to reach out other customers, create a website so you can offer your products or services to other towns, states or even countries.
When you get to have your own business, you are at helm. No one is going to tell you what to do and you are expected to be the one to set the direction. If you have doubts as to what you can do to survive a recession, don’t be afraid to ask other owners what steps they have taken. Sharing this information is beneficial to both because no one wants to throw in the towel.
A recession affects everyone and it does not matter if you are employed or you are running your own business. How badly things get depends entirely on your financial situation so you just have asses it first before taking any appropriate action.
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March 12th, 2009
Tips for Effective Tax and Personal Anti-Recession Steps
Ask an economist to define recession for you and chances are, they’ll tell you that it is a state of the economy where it declines for at least 6 months. But that’s just a pretty, picture-book definition. Recession can affect not just cities and countries, it can also affect individuals and families on a more personal level. To help you implement tax and personal anti-recession steps, here are things you can do:
Start saving. Now.
If you have a nest egg stashed somewhere, good for you. Boost it with more savings. If you don’t, it’s time to start immediately. Implement tax and personal savings steps in order to fight the effects of recession.
Cut back on spending immediately.
If you think you need everything you buy, gather your last few weeks’ worth of receipts and rate each item according to necessity. Chances are, there are a few things there that you’ll realize now that you didn’t really have to buy.
If you see the same pattern in most of your receipts, that’s a sign that you ought to cut back on your expenses and seriously implement a budget or spending plan. You could, for example, cancel gym memberships and take up running or home exercises instead, buy items on sale instead of at regular prices and put off any large purchases – cars, TVs, video equipment, furniture, etc.
Take big chunks out of your debt.
Your debt can get you down and it will not hesitate to do the same thing to your credit score. During a recession, a bad credit rating is just not something you want to have. If you have debts in some form (loans, credit cards, mortgage, etc.), try to pay off as much of your debt as possible. The earlier you do this, the better it will be for your finances.
Clearing your debts is an excellent anti-recession step because it helps save you money in terms of interest. It will also give you peace of mind and the personal satisfaction of being in charge.
Consider investing? Ask a professional.
An experienced financial adviser can help you understand the kind of options you have, given your own resources and the type of risks you are willing to take. Recession can make investing much more of a challenge, particularly for the uninitiated. That is why you’ll need all the help you can get in order to find the best places where to put your money in.
Know your deductibles.
Review your tax code for the types of items that you can include in your deductibles. Remember that not all expenses can be used as deductions. Only if you can prove them ‘ordinary and necessary’ will the tax man consider them.
Keep all receipts for deductions.
Audit or no audit, it pays to have documents that support your tax claims, especially if they refer to deductions. Get organized regarding your files, particularly those that pertain to your business or work. Keep things where you can readily access them and use for reference later.
Consider leasing your business vehicle.
If you want to give yourself better tax performance, a good anti-recession tip to follow is to lease that car of yours. This will help get you better deductions compared to what you’ll receive if you purchased the vehicle.
When in doubt, always refer to a professional.
The personal anti-recession tips you obtain will usually work seamlessly but some steps involving taxes might have certain limitations. Before implementing these steps, you might want to consult a basic taxation guide or see an accountant or bookkeeper. They can guide you on what you can and should do based on your own unique circumstances.
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March 9th, 2009
We are Family: Budget Tips for Today’s Familial Ties
If you are in charge of creating the family budget, chances are, you’ve had the unfortunate experience of having a brilliant budget plan that isn’t executed well. This happens to many families and couples, and with a little attitude tweaking, you can solicit the help of your family in making your budget work.
Create a family budget vision. Talk to your spouse and children about whatever budgetary constraints you are facing, or whatever financial goals you intend to set. By being completely honest about the bills and loans you have to pay, or your intention to save a certain amount of money for a family emergency fund (or a college fund, for that matter), you can help your family understand better your collective financial situation. This will allow them to change their perspective on purchases they make, and will help you make sure that whatever money crunching strategies you utilize won’t be counteracted by a subsequent spree by your teen.
Another good technique is to create a list of usual expenditures per member of your family. Together, identify which items you can do away with in order to save up some extra money from your monthly income. By doing this altogether, you are making your family participate better and see the contributions they can make into making your family’s finances better.
Should your child have the habit of continuously asking for money for minor and oftentimes unnecessary purchases, you can let your children learn to manage their own week’s allowance. With their limited money to budget, they will realize the value of money.
Put a cap on the amount of expenditures you make in a week. The best way to do this is set aside a fixed amount of cash that you will spend for a week. By putting this limitation on your spending, you are forced to prioritize spending on the most essential over other things.
Make it easy for your family to save more. How often do you eat out? Most family budgets are blown over because of the frequency of dining out and the accompanying exorbitant expense of that activity. Eating at home will reduce your expenses, not to mention allow for your family to bond over cooking at home. Do you spend on routine purchases like coffee and newspapers? Cut back on the latte and the paper, and put aside the amount you would otherwise spend. Your family’s collective saving will surprise you.
Lastly, don’t be afraid to create a most efficient driving route, as well as grouping together activities into one car trip. This way, you can save a lot on time and even on gasoline and car expenses.