Why small businesses need a website: 12 Reasons you can’t ignore

Like many small business owners, you may believe your business cannot benefit from having a website or that a website is not within your budget. Or maybe you think because you don’t use a computer, neither do your potential customers. These are misconceptions. These 12 reasons show why your company NEEDS a professional website, no matter what size your business is.

1.Online brochure

Companies spend millions creating brochures and distributing them. By having a website you can skip that entirely. Your potential customers can find out about you and any of your products online. If you get most of your business through networking and personal connections, then they will want to check out your website.

2.More customers

More than 2.4 billion people use the Internet every day, and some 90% of those have purchased something, or contacted a company online in the last 12 months. So by not having a website, you will be missing out on a big piece of the pie.

3.Business value

Have you tried getting a business loan recently? It’s not easy, but if you try and the bank manager asks to see your website, you better have a pretty good one. It doesn’t just stop with the bank, the perceived value of your business will be lower in everyone’s eyes – especially your customers if you don’t have a good website.

4.Influence

By having a website potentially, thousands of people are going to see it. This way you can influence people’s decisions, and educate them.

5.Time to show off

You know that great feeling you get when people recognize your work? Well, by having a website you can show off what you do and take pride in your work.

6.Helps with business goals

That’s right! When it comes to writing the content for your website, you are going to revisit things about your business that you haven’t done in years. You will most likely reassess your business goals.

7.Low barriers of entry

Ever wanted to start a business? Well, now you can do it with virtual space. In fact, by using some free website providers you don’t have to pay a penny.

8.24 hours per day

Your website runs 24/7 without any supervision or need to lock it up. You can always be there for your customers.

9.Communication with customers

By having a blog or even just a feed on your website, you can update customers on your newest offers, products, promotions, events, photos, or any other content.

10.Marketing

The internet has opened up a whole new world of marketing that didn’t exist before. Your website can attract new business by using a whole host of low-cost marketing techniques.

11.Customer support

You can significantly reduce the cost of customer support by have a ticket system, or even just a FAQ on your website. I can think of 5 companies that streamline your customer service straight from your website.

I know there are other ways to do this, but by having a website you can have your email address@whateveryouwant.com. It is more professional and easier to remember. I know you love your steveman99286534@gmail.com, but it doesn’t really resonate with customers.

12.Press releases

I know that sounds a bit far out, but it is true. You can run cheap press releases online about your business, but to do it you will require a website. In fact, I have had clients who were absolute nobodies but they got one million views on YouTube because of online press releases.

Any topic or hobby will do

Do you love sports? How about ballet, alternative dance, photography, holidays, Kit-Kats, cars, skateboards, science or animals? Well, then you have a business idea just waiting to happen. The internet has room for an unlimited number of niche blogs that can attract traffic and revenue. Just pick something you love and start writing about it.

On a little side note, if you own a website you get to call yourself a web master. Pretty cool! But reason #13 for ‘why I need a website’ is that you can easily make new business and personal connections with other website owners. It can lead to extra streams of income for you!

Do you need to save money when ditching debts?

save and pay off debt

Simple mathematics suggests that we should pay off debt before saving money. In general, paying off debt is a long battle. For instance, it takes 10-25 years to pay off student loans. Should you focus all of your energy only on paying off debt for so many years, or should you save money and pay off debt simultaneously?

The simple answer is – it depends.

Why you should save money and pay off debt simultaneously

The reasons are simple and clear.

First, you need money to pay off your debts fast. If you opt for debt settlement, you have to save money before the negotiation process starts. If you opt for debt management, then you need to save money for making the monthly payments.

Secondly, you need to set aside money for building an emergency fund. An emergency fund is a must when you’re in debt since it can help you cover unforeseen expenses. You can’t depend on credit cards anymore since that will only increase your debt problems.

Your mini emergency fund should be between $1000 and $2000. This would help you cover your short-term emergency expenses.

Examples of short-term emergency expenses

  1. Unemployment
  2. Car repair
  3. Special days like birthdays and anniversaries

Set a goal to create an emergency fund that is enough to cover your living expenses for 3-6 months.

Fresh debts are a menace when you’re already in a financial crisis. When you have money in your savings account, you can easily cover your immediate expenses, avoid high-interest payday loans, and credit card debts.

Do you want to pay off debts as soon as possible? If so, then you have to make additional payments on your debts. And, it’s only possible to make those extra payments when you have savings. In debt avalanche method, you need to make extra payments on the high-interest debt. Likewise in debt snowball method, you need to make additional payments on the smallest debt till it is paid off. It will be tough to make those extra payments without saving money.

Lead a frugal life when you’re in debt since this will help you save money gradually. Cut off cable, cook at home, move to a smaller apartment, get rid of your second car, use CFL bulbs, host potluck parties, buy in bulk, avoid late fees, insulate your walls, adopt a minimalist wardrobe, borrow books from a library, stay healthy, find free entertainment, sell your unnecessary goods, drink water, travel frugally, save gas, sun-dry clothes, and quit smoking.

Retirement planning and debt repayments – both are equally important. So you need to save money to build your nest-egg too. Save money and contribute more toward tax-advantaged retirement savings accounts like 401(k), IRA and Roth IRA. You shouldn’t ruin your financial future just to pay off your debts. Try to increase your contribution rate by 1% every year since this will increase your retirement savings considerably.

How to save more and pay off debt fast

Have you saved an adequate amount already? If so, then you can invest to earn a higher return on your money. Consult a financial adviser and invest wisely since one wrong financial move can ruin you.

The stock market can earn you 4%-5% return on your investment after deducting taxes and fees. Calculate the interest-rate you’re paying on your debts. If it is less than 4%, then focus on investments over debt payoff. For example, auto loans and home loans. These are low-interest loans.

When you should give 100% focus on repaying debts

Forget about saving money when you have high-interest and non-tax deductible debts. Pay off your debts as quickly as possible to save on interest.

What if the interest-rate on your debt is between 5% and 7%? In this case, you can invest your savings and pay off debts simultaneously.

It is better to get rid of payday loans and credit card debts fast since these are high-interest debts. Some lenders charge 600% interest-rate on payday loans and push borrowers toward a deep ‘debt pool’. Try to get rid of payday loans quickly. Check out your state payday loan laws. Find out if payday loans are legal in your state. If your lender doesn’t have a license, then pay only the principal amount. Join debt forums to know about the strategies to pay off debt.

The final verdict

The final verdict is loud and clear. You have to watch out for the ways to save money while you’re paying off debts. You have to save money for buying a home, giving good education to your kids, building your nest-egg, and so on.

Try to strike a balance between saving money, investing and paying off debts. For instance, if you have transferred your outstanding balance to a 0% interest card for a short period of time, then it’s a golden opportunity to invest and pay off debt. Make sure you earn an amount that will help you pay off the debt before the new interest-rate kicks in.

You can pay off your low-interest debts fast and increase your contributions toward retirement savings plans. Once you pay off your low-interest debts, you can pay down your high-interest debts. You can use other strategies as well. It’s your choice. As long as you’re progressing financially, it’s fine.

What do you feel? Do you feel that it’s a horrible idea to save money while you’re paying off debts? What’s your opinion? Think and let us know.

8 Credit card mistakes that millennials should avoid from beginning

Many students or Millennials are a huge fan of their plastics these days. For many of them, random usage of credit cards has become a habit to survive in their life. Many of you now prefer to carry a wallet full of plastics instead of cash. Though some mid-20s or early 30s are responsible and know how to use their plastics wisely. But there are many beginners who are unaware of the negative impact of their wrong deeds. So, millennials who just completed studies or entered in a new work life should pay some special attention while using credit cards. Unless you may find yourself falling into a credit card debt trap in near future. And this financial wreck can create huge mental stress at the initial stage of your career. So, it’s better to be aware of some credit card mistakes which are quite common for Millennials.

8 Credit card mistakes that Millennials usually make

Credit cards are popular because they are easy to use and convenient but there are also many factors you should learn before using credit cards. Especially those who are the mid-20s and want to start their career and also build a good credit history. So, here are some common credit card mistakes that you often commit and shouldn’t repeat anymore.

1. Keeping too many credit cards

One of the most common credit card mistakes that are found in Millennials is keeping too many credit cards. Remember, keeping too many credit cards is not a good sign. Because you can easily make unnecessary expenses using these cards. And thus, you may fall into credit card debt traps in future.

2. Using credit cards for daily items

Millennials are often unaware of the proper use of credit cards. They love to swipe a credit card for each and every purchase to meet regular needs. And this is probably most ruinous financial mistakes. You should follow a realistic budget at your initial age. Thus, you can optimize the excessive usage of your plastics. Because don’t forget that you need to pay your each and every bill on time. If you’re unable to payoff your credit card debts in time, then you have to incur interest charges on that purchase. Remember, credit cards can be used only to meet the emergencies expenses.

3. Signing up for wrong credit card

There are many types of credit card available. They all have their own terms and different features as well. You should go for a card which is good for your purpose and suitable for your financial status. Don’t just go for a credit card for the exciting promotional offers and rewards. You need to read all the terms and conditions carefully and think whether or not the card is worth buying for you. Because there are some hidden terms and charges which are higher than your budget.

4. Overlooking monthly statement

Ignoring monthly bank statements can be dangerous. Because bank statements only show whether on not all the charges are correctly mentioned. Most importantly, it will help you to understand if you’re late on payments. Moreover, in these increasing identity theft possibilities, you should check the statement carefully. So, take the credit card statement seriously and take steps according to the situation. Another most important part is, checking the credit card statement can help you to know whether or not you have exceeded the credit limit. Don’t forget the line “the sooner you do it, the better it is for you”. There is no age of financial learning. If you start practicing some good financial habits you’ll be able to avoid many such financial problems.

5. Not paying bills on time

Once you’re making late payments, you’re actually incurring more debts or may penalize for late payments. In this case, you not only have to make late payment charges, but it has serious negative implications too. It will create bad effects on your credit report and damages your FICO score as well. Having bad credit score can make everything difficult. The lender and insurer can deny approving your loan application. You may get rejected from the good employer as well. So, think about the effects before using your plastics in a wrong way.

6. Paying medical bills using plastics

Medical costs are huge but it will be a blunder if you pay the bills with your plastics. In a case of financial hardship, you need to negotiate in paying your medical bills. It is advisable that you shouldn’t use credit cards to pay the medical bills.

7. Wasting all credit limit

Some credit terms will offer huge credit limits for students. But this doesn’t mean that a student can burn the full credit limit. You should keep in mind that the balance of your credit is below 50%. And if you cross your credit limit your score may get hurt.

8. Taking out cash advances

Cash advances is a very costly thing that you frequently do with a credit card. The fees associated with cash advances are very lofty and the rate of interest is also very high. So, you must avoid this option unless or until there’s an emergency.

Final words

Credit cards help a student or a beginner to establish a good credit history. So, if you use your card with much responsibility you may build a good credit score in near future. And a good credit status can make your life smooth after your complete your studies and can move forward towards professional life. So, once you handle your student credit card responsibly things will be more easily and you’ll be able to get a secure financial future with time.

 

How can you teach money management strategies to kids?

teaching money management strategies to kids

Does the idea of teaching your children money management strategies make you worried? Don’t worry, if your answer is ‘yes’. There are many people like you. However, you should teach money management strategies to your children right from the young age.

Teaching kids about money – Why is it important?

Like many other things, kids are not born with the knowledge of managing money. Moreover, it’s not quite a talk about term in the household. You might be talking about paying bills, but rarely you discuss your money management strategies in front of kids. Not only that, some parents also feel awkward to talk to their children about money.

However, you need to be sure that the kids are able to manage their money once they leave the nest. So, you also need to teach them smart money management strategies just like you teach them how to cook some basic meals or do the laundry.

Teaching kids money management skills – How can you do that?

So, we’ve understood that it’s important to teach your kids how to manage money. But, the question is, how can you do that? It’s not that tough as you’re thinking it to be!

Here are the 4 simple ways to make your kids money smart.

  1. Teach the art of saving money – Make saving fun in order to motivate your child. Let your child receive prizes for a coupon he/she has cut out from a newspaper. You can also give prizes if your child can save from his/her pocket money.
  2. Encourage your child by matching contributions – You can encourage your child by doing a ‘savings match’. Whatever your child saves, match the amount. It’ll encourage your little one to save more. Moreover, he/she’ll also learn the concept of a retirement savings program.
  3. Develop strong math skills – A person usually tends to use emotional ways to invest if he/she doesn’t have math skills. So, teach your kids basic math skills so that they are good with numbers. Maths is taught in schools; what you can do is encourage them to learn strong math skills.
  4. Let your child make mistakes – Do not stop your child from making mistakes. The financial loss won’t be much at a young age. So, if your kid is spending money, what he/she has got as a birthday gift, before thinking. Let him/her do that. He/she will learn from the mistakes and it would stop him/her from making similar mistakes in the future.
  5. Encourage your kids to ask questions – Your little one can also ask questions. When your child asks anything about personal finance management, answer his/her queries. It might be difficult to make him/her understand everything especially if your child is small. But be patient and answer the queries according to your child’s age. This will help your children make appropriate financial decisions once they grow up.

Are there apps for teaching money management skills to your child?

Yes. Nowadays, teaching money management skills is not only restricted to just piggy banking. Don’t give your smartphone to your kid only for playing games and use it to teach smart money management strategies.

Piggybot is such an app which you can say is a digital version of an actual piggy bank. With this app, they can visualize how much money they got from their mom and dad.

Renegade Buggies is a game which you can download. Your kids will love it as it’s a fast-paced shopping game wherein they need to save as much money as they can. As your kid will go on completing one stage after another, he/she will accumulate ‘buggie bucks’ which they can use to make saving as well as investment decisions.

Famzoo – Another superb one! In this app, you can create your child’s bank account to track your little one’s spending, saving and giving habits. This app can help your kid to learn about budgeting.

I want to mention another important point. Be a good role model for your child. A kid often learns from his/her parents. So, if you practice good money management skills, your children will automatically learn from you. You can also set an example. Take a jar and put money in it. Let your child watch it and tell him/her that it’s your savings jar. This way your child will know saving is normal and it’ll motivate him/her to save, too.

8 Cheap fun activities to make your kids giggle this summer

cheap fun activities

Summer vacation is a time
When parents realize that teachers are grossly underpaid

“Oh! I’m bored! There’s nothing fun to do here mom! – Could there be anything more irritating than this annoying summer anthem for stay-at-home or working moms? What happened to the days of creating a nuisance in the neighborhood and reluctantly coming for lunch and then again joining the tiny troops in the lazy afternoons?

Most kids are just glued to video games, online games and TV nowadays. But you can’t possibly keep your kids busy throughout the day during summer through video games or cartoon shows. You’ve to think about something to entertain your kids during summer vacation without breaking your budget.

Wondering how can you nurture your kids beautifully and manage household expenses? Well, Managing household expenses is a bit different from handling kids and their expenses. Household expenses are in your hands. But kids belong to a different world and handling their expenses is not less than a Herculean task, especially during summer vacation. This is the time when they want to be thoroughly entertained and that usually means splurging well.

Lost in thoughts? Here is a list of 8 frugal fun ideas for your kids in this summer.

1. Say “Let’s make a theater at home”

Oh! Kids love this too much. Just take a simple tension rod and drape a nice a bed cover over it. Your puppet theater is ready. Now write a comic skit for your kids and ask them to enact it. Each kid will play a character in the play. Ask them to learn the dialogues with proper expression and then put up a nice show in the evening.

Kids would be super busy in grabbing their favorite role in the play and then giving their best performance. Your house would be filled with laughter, songs and witty dialogues.

2. Say “Common! Let’s celebrate Christmas Eve during summer”

Don’t pop out your eyeballs because you’ve read it correctly. All I’m saying is invite your kid’s friends for an afternoon sleepover. Pull out all the soft pillows and tiny blankets of your kids. Keep these things in your living room. Ask them to pretend as if it is the Christmas eve. They should act as if they’re getting nice presents after waking up. The best actor would get 3 home baked cookies. Yum!

3. Say “It’s time for photosession. Wanna become photographers?”

Kids are tech-savvy. They’re smart kids who know A to Z about smartphones. So, give them a smartphone and ask them to get decked up for a cool photo session. You can even give a theme to make the photo session more interesting. For instance, the theme can be kids’ favorite cartoon characters.

Don’t forget to tell them that they would be get access to your smartphone throughout the day. They can click pictures and share them in Facebook. This would make them more excited.

4. Say “Up for a drink? Let’s make a yummy fruit shake”

Kids love to sip fruit shakes and so do I. So, why don’t you ask them to make some refreshing fruit shakes? Ask them to help you choose the best fruits in the market. After you guys reach home, assign the task of spooning out the mangoes with care. Once you get the juicy ripe mango cubes, take out your mixer grinder and smash them. Let your kids serve the fruit shake in a nice glass with ice cubes and sugar.

5. Say “Hey! It’s time to visit our ancestors”

You can’t keep kids inside home all the time. They need some fresh air and obviously a nice outing. Take your kids to local museums that organize special summer programs for kids. Get your kids enrolled into those programs where the admission cost is low. Watch out for those credit cards wherein you can get special museum admission deals for kids.

6. Say “Wanna make some creative stuffs?”

Let the creative juices of your kids flow like a river this summer. Just give them some nice craft ideas. They’ll be busy in making a cute snowman with paper plates, puppets with socks, painted pots, etc. Just give them the core items. They’ll be busy in surprising themselves with their own craftwork.

7. Say “ Let’s have a summer camp in the weekends”

Take sleeping bags, yummy foods, flashlights to the backyard of your house. Make a tent there. Have your dinner there and then tell them some really scary stories. Count the stars in the sky and then sleep inside the tent throughout the night.

8. Say “Who wants to find out the hidden treasure?”

Adventure, thrill and adrenaline gush – kids love these things. A smartly conceptualized indoor treasure hunt can keep your kids on their toes throughout the summer vacation. Just write some clues in a few pieces of paper and then hide them at various parts of your house. Make sure one clue gives a hint to another clue. The final clue will give a hint to the ‘ultimate treasure’. You can write those clues in the form of rhymes too.

Some safety tips for kids

1. Ask kids to walk carefully on the street.
2. Ask them to use sidewalks when you’re taking your kids to museum.
3. Apply sunscreen lotion liberally on their exposed parts of their bodies before going out in the sun.
4. Keep a first aid kit at home.
5. Make sure you use an insect repellent when your kids are camping
6. Never ever leave your kids in the pool alone. Be there with them.
7. Don’t let kids grill fish or chicken. It’s completely unsafe.
8. Keep your kids hydrated throughout the day.
9. Ask your kids not to play with matches and lights when cooking.
10. Make sure your kids wear light-colored clothes.
11. Try to schedule outdoor activities during evening.
12. Check your kids at frequent intervals. Make sure they are fine.

Conclusion

Don’t let your tight budget ruin the summer vacation of your kids. Use the aforementioned tips to keep them busy in fun activities. Let them play, enjoy and learn through various activities instead of watching TV throughout the day.

Last but not the least, don’t forget to give a notebook to your kids. Ask them to write about their exciting summer activities in that notebook before going to sleep. It will act as a memoir. They can show that notebook to their friends and have a good laugh later.

Best ways to utilize a pay raise and build wealth

Congratulations! Your hard work has paid off. Finally, you got a pay raise.

You have plenty of time to celebrate your latest achievement. But there is one thing you need to decide right now. You need to decide how to manage your extra money.

It is easy to use the extra money for lifestyle inflation. But will that help to create financial security for you? Never.

Instead of wasting the extra money for frivolous expenses, why don’t you use this extra money to grow a beautiful financial house? This would help you live comfortably even during the golden years of your life.

Here are the 3 best ways to utilize your pay raise and build wealth gradually.

  1. Pay off your high-interest debt: Debts can damage you both emotionally and financially. Your credit score drops, you get debt collection calls, you pay higher-interest on new loans, you lose your mental peace, and so on. So, the first thing you need to do is pay off your high-interest debt with the extra money. This may be a payday loan or a credit card or an auto loan.

    Although it’s more comfortable to pay smallest debt first, yet I would suggest you to repay high-interest debt since this costs you more money in the long run.

  2. Pay more towards your retirement plans: No one can guarantee your future. So, it is important to take steps for securing your financial future after retirement.

    If your annual income is $50,000 and you get a 3% pay hike, then you’ll get extra $1500. This means an additional $125 every month before tax. If you contribute this amount to a traditional retirement account for 30 years with an average 6% interest, then your total savings would be $125,000. Your total retirement savings and Social Security benefits would be enough to spend your retirement days comfortably.

  3. Get yourself adequately covered: Health insurance policy, life insurance policy, disability insurance, etc. protect you when a disaster strikes. We don’t want to think that bad things can happen to us. But the reality is something different. A disaster can strike anytime.

    No matter what Trump/Senate ultimately decides about the fate of the ObamaCare and HSA, you still need a health insurance policy to cover your medical bills.Based upon the latest developments, ObamaCare is likely to stay. Likewise, a life insurance policy is required to protect your family members when you’re no more. If you don’t have a life insurance, then buy one with the extra money.

  4. Strengthen your emergency fund: The best way to be ready for unexpected expenditures is to strengthen your emergency fund. Obviously, you can use your credit card for a car repair expense but this is an expensive option. High-interest will increase your credit card bill and eventually you have to pay more. Probably, this is why you should save 2-3 month’s worth of living expenses in your emergency fund. Since you have extra money now, use it to boost your emergency fund.

Last but not the least,

Don’t forget to save a little amount for fulfilling your dreams. Maybe you want to visit Egypt once in your lifetime or wish to start a business. Save a little every month. I’m sure you’ll achieve all your goals.

Did you get a pay hike recently? How did you use it? Have you thought about any other way to use the extra money wisely? Share with us.

Financial resolutions I’m determined to keep in 2017

2017 financial resolutions

Hi guys!

It’s been awhile since I posted anything in my blog.

Sorry! I was a bit busy. Mom was not well. Had to look after her in the holidays. And after the holidays were over, had to take care of pending assignments at office.

A very Happy New Year to all of you! Love you all! Have a great 2017!

Resolutions are meant to be broken. And, financial resolutions can be easily broken years after years. 🙂

Last year, I made a few financial resolutions. And, like every year, I failed to keep most of them. So, this year, I have taken a different strategy. I have made only 2 resolutions so that it doesn’t become an impossible task to keep those resolutions.

My first resolution

File my tax papers early: Last year was hell for me. I filed my income tax returns just before the deadline. I had to run to the tax planner several days, organize all the papers hurriedly and do some complex calculations hastily. It was disgusting. This year, I’m going to do everything in advance. I will finish everything early and relax later.

Since it’s a short-term resolution. So, I guess, it’ll be easier for me to keep it. What do you say? 🙂

My second resolution

Move to a bigger apartment: Yes, this is a big resolution. I’m sick of living in my tiny rental apartment. I want to move into a bigger one. I have saved some money for down payment. Rest, I’ll borrow.

I don’t know if I’ll be successful. But, I’m determined to take all the steps to buy a big apartment in 2017.

What is your financial resolution in 2017? Have you made a plan to keep your resolution? How was 2016 financially?

3 Mouth-watering Thanksgiving recipes you can easily cook

thanksgiving recipes

Enough about money. This week I am going to write on something absolutely different subject, and this is about Thanksgiving feast. I have already talked about my passion for cooking in 5 Spicy tips to be the Masterchef at your home without scratching your pocket. But in that post, I have mainly talked about how to save money when cooking. But, this time I am not going to utter a word about money or saving at all. This time I’m going to talk about yummy Thanksgiving recipes you can cook to touch your loved one’s heart. So, here are the 3 delicious recipes you can easily cook.

1. Crispy potato peel fry with a cream dip

potato peel fry

This would go very well with cocktails. When you cook main course, don’t throw away the potato peels. Deep fry these peels until they turn crispy. Once done, grate Parmesan cheese and sprinkle over the potato peels. Your side dish is done.


2. Turkey roast with toasted ancho-chiles

turkey

Take a turkey breast and grease it with butter that has been flavored with toasted ancho chiles, scallions and garlic. Roast it and serve juicy, tender and moist turkey breast to your guest.

Get the the full recipe here – Ancho-Scallion Roast Turkey Breast


3. Cold rice salad

rice

As the name says, this salad is served cold. Cook the rice and then mix it with cranberries, wild rice and scallions. Add sugar, salt, red wine vinegar and olive oil too. Mix everything well and your rice salad is ready.

Check out the full recipe – Wild Rice Salad with Cranberries and Pecans


Also read

Why do I love Black Friday so much? Any guesses?

Why do I love Black Friday so much? Any guesses?

why i love black friday

I love Black Friday. I love standing in a long queue in the bitter cold for hours and then buy a nice product. It is undoubtedly one of the most anticipated days of the year. It is the day when you hope to win a great deal and score a super bargain. Although, most times, I don’t get a jackpot and return home with an average deal. Still, I’m happy and don’t mind to participate in the biggest shopping day of the year.

Here are the 5 reasons why I absolutely love and adore Black Friday.

  1. Amazing deals:Black Friday gives me the perfect opportunity to grab awesome deals from retailers. I can save a big amount on the hottest items in town. Just the thought about it makes me crazy.
  2. Ritual: I don’t remember the first time when I went for Black Friday shopping with mom. All I remember is that I was holding my mom’s hands and standing in a queue to buy gifts. It’s a tradition I’m maintaining since childhood, and I have no intention to break it in future too.
  3. Holiday spirit: Black Friday begins the holiday spirit. It sets the holiday mood. Every year, I try to complete at least 50 percent of Christmas shopping on Black Friday. This gives me enough time to wrap presents and decorate them.
  4. Challenge: Black Friday is not just another shopping day. It’s a shopping day wherein discounts don’t last for a long time and discounted items are hard to find. It’s like a challenge to find a lucrative item at a low price. This arouses my competitive spirit and increases the excitement level. I’m ready to do anything to take part in this fun competition.
  5. Coupons: I love coupons. They make me relax and fill my heart with joy. Every year, I collect a bunch of coupons before starting shopping on Black Friday. Sometimes, I shop online when I’m too laid back.

So, these are the 5 reasons why I love Black Friday so much. Do you love Black Friday just like me? Or, do you hate Black Friday? Share your thoughts here.

Don’t miss out

3 Mouth-watering Thanksgiving recipes you can easily cook

6 Not so spooky tricks to make money before Halloween

Most people think about the trick, treats, booze, spooks, decorations, costumes, etc. before Halloween. But, I can’t think like normal people. I don’t know if it is a blessing or a curse.

When most people are busy planning celebrations, I’m thinking about the ways to make money before heading into the season of spookiness.

Recently, I was checking out a report released by GoBankingRates in 2014. As per that report, the biggest fears of the people are:

  1. Living paycheck to paycheck
  2. Getting into debt problems
  3. Living without any home

If you ask me, my biggest fear is getting into debt problems post-holiday season. And, this fear forces me to make as much money as possible before heading into the festive season.

Here are a few tricks you can use to make money. You can use this to shop, party, eat, do anything you want.

  1. Look for a new employer: Switch to a better job since you have leverage. You can negotiate with the new company for a big hike. You have nothing to lose if the company doesn’t agree to give you a big hike. You can tell your present boss about the new offer. Who knows, your current employer may agree to give you a promotion or a hike.
  2. Work after getting back to home: You know what is the best part of freelancing? You can get paid more than full-time work. You can ask your former colleague for freelance gigs. If you have a blog, then try to get Google ads and affiliate links. This would fetch you a good amount every month without any hard work.
  3. Teach students: You can teach students with less knowledge in a particular subject and earn money. You can tell about your interest in teaching to students, parents and even schools.
  4. Work as a temp: Lots of offices require temporary employees. You can know about these jobs/local listings from the online job portals.
  5. Capitalize your culinary skills: Do you cook as good as me? Jus kidding! If your friends love the food you cook, then you have a chance to earn extra money with KitchenSurfing.
  6. Be a dog walker in the weekend: Usually, I don’t have time to take dogs for a walk. But, if you love dogs or pets, then you ask your neighbors if they need a dog walker in weekends. You can also register on dog walking websites and post your services.

And finally,

There are lots of ways to earn money. You just need to have the drive to earn money. You can wash cars, clean homes, work as a bartender, etc. Make sure you don’t spend the money as soon as you earn. Rather, save it for the festive season.