06 Dec 09 4 Step to Getting Credit Card Monkey off Your Back

Introduction

If on one hand, credit card has made our life easy then on the other hand, clubbed with our carelessness and procrastination, it has made life more difficult for us. Like any other tool, credit card can cut both ways, and it depends on you, how you want to use it and to cut what. If you are reading this article then either you are in the mess, or you want to stay clear of the mess. The tips I am going to share here will help you keep the monkey off your back.

Step 1: Know your dues

Bring all the credit card statements along with a calculator, a piece of paper, and pen. Calculate the total amount that you owe to your credit card companies. Make a note of it, and keep it handy.

Step2: Budget

Every financial action should begin by making a proper budget. Make a monthly budget and include the amount you can conveniently pay against the dues in the budget. If you already have a monthly budget then make adjustment to it to include the amount you wish to pay monthly against your credit card dues.

Step 3: Stop spending

If on one hand you make small payments every month to clear the dues, and on the other hand, you keep on adding to it by shopping using your credit card then you are never going to bid adieu to this monkey. You need to stop swiping your card for the time being, until the dues are not settled.

Step 4: Pay as much as you can

I am big fan of having a healthy savings and investment, but I do not preach this when you have to clear credit card dues. It is financial foolishness because the interest you receive on your saving is way too low in comparison to the interest and fine you have to pay on the accumulated dues. And did I talk about the serious blow it gives to your credit rating?

A closing thought

Start saving and investing as soon as you get this bloody monkey off your back, but for the time being, stay away from it and concentrate on paying the dues.

Tags: Bid, Blow, Calculator, Carelessness, Credit Card Companies, Credit Card Statements, Credit Rating, Foolishness, Monkey, Monthly Budget, Paper And Pen, Piece Of Paper, Procrastination, Shopping, Step 3, Tool

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07 Nov 09 How Your Business is Costing Your Kid’s Life Part – III

Going green is not just financially viable, but it is a socially responsible action as well, which gives you pride and your kids a healthy and safe environment to live in. This is the third part of the series, and like Part-1 and Part-II, here again I will suggest you some tweaking that will help you reduce carbon footprint.

Print double sided drafts

A printed draft has no use other than reviewing what you wrote on screen for quality and consistency. This document doesn’t go out of the office then why not take print on both side of the paper for drafts? Also do not use normal printing for draft documents, use fast draft mode. The color consumption is less. Print as many double-sided documents as possible.

Use recyclable paper

Recycling is one of the most notable ways to reduce the carbon emission. By using recyclable or recycled products, you secure the future of your kids. Look for the paper that can either be recycled or which consists of recycled content while shopping for papers for your organization.

Reuse Packaging material

Our habit of discarding the packaging material after one-time use costs us our environment. Develop a habit of reusing the packaging material. For this, all you need to do is remain cautious while opening the package. You should also encourage your suppliers to take back the package and reuse it; rather, I would suggest you to do business with only those suppliers only who take their packaging back for reuse.

Tags: Carbon Emission, Consistency, Consumption, Draft Documents, Draft Mode, Going Green, Habit, Organization, Packaging Material, Paper Recycling, Pride, Recyclable Paper, Recycled Products, Responsible Action, Shopping, Socially Responsible, Tweaking

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07 Apr 09 Effectively Using The Internet To Job Search

The United States economy keeps getting worse and worse, or at least it seems, with the unemployment rate skyrocketing like we haven’t seen in decades. And now suddenly you find yourself among those 8.5% of Americans that have found themselves unemployed, what’s the best way to go about changing that? So many people would still resort to visiting locations to check for job availability, and shopping through help wanted ads in the newspaper, completely forgetting how awesome a resource that the internet can be.

Now practically every company has evolved technologically enough to offer some sort of web support for their business, and on that website 9 times out of 10 they will post job openings, and in many cases you can even apply online. All you really need is to know where to start. Which is exactly where my helpful tips come in.

First off, find a good reliable job search engine, something reputable like Monster.com or CareerBuilder.com. Both of which provide support for either job hunting, resume writing, or even interview coaching.

After that, to make the process as easy as possible, narrow down a few options as to what sort of job you want. Such as, if you are a marketing professional, you’ll probably want a job in marketing so you want to use search categories and terms relating to that field. That way you can see exactly what’s available in your area, or even beyond.

Think about making yourself look like an intriguing possibility for somebody to hire by instead of just posting your resume online, consider make a simple, easy to understand, and easily navigated webpage. Something that shows the effort you put into your tasks, as well as your unique personality, and how those will make you an excellent employee. Plus something like that will definitely make you stand out to any employer.

And if you’re still having trouble finding a job, try a few networking sites for professionals, like LinkedIn.com for example. As that will connect you to other people in the industry you are in, and it’s never bad to develop a few friends on the inside.

Tags: 9 Times Out Of 10, Array, Decades, Finding A Job, Help Wanted Ads, Helpful Tips, Internet Job, Intriguing Possibility, Job Hunting, Job Networking, Job Openings, Job Resume, Job Search, Job Sites, Marketing, Monster, Networking, Personality, Resume Writing, Search Categories, Search Engine, Shopping, Unemployment Rate, United States Economy, Web Support

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06 Dec 09 4 Step to Getting Credit Card Monkey off Your Back

Introduction

Step 1: Know your dues

Step2: Budget

Step 3: Stop spending

Step 4: Pay as much as you can

A closing thought

07 Nov 09 How Your Business is Costing Your Kid’s Life Part – III

Print double sided drafts

Use recyclable paper

Reuse Packaging material

07 Apr 09 Effectively Using The Internet To Job Search

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