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الأربعاء، 3 فبراير 2016

7 Ways to Make Your Brand and Content More Likable

like me

Do your readers love you? Do they at least like you?

These are serious questions even if they sound like questions you’d ask about your friends in grade school.

People have more choice than ever before.

Within 22 seconds, they can find 2-3 other blogs in your niche to read.

Within just a few searches, they can find a business that sells a similar product to yours.

It puts the reader and the customer in control.

If they fundamentally do not like you, your business, or your writing, they’re not going to stick with you.

Why would they?

And if they’re indifferent to you, that’s just as bad because it means they don’t really think much about you either way.

But even if your customers and readers do like you and your brand, wouldn’t you prefer them to like you and your brand even more?

Of course you would, it’d be silly not to.

The better you look in a visitor’s eyes, the more content they will read, the more action they will take, and the more likely they are to become a customer.

There are many factors that influence whether or not a visitor likes you and your brand.

What I’m going to show you in this post are 7 tactics that you can implement to make either your brand or your content more likable.

If you do use them, expect more traffic and subscribers, a higher email open rate, and more sales. 

1. Share your opinions and be firm

When your goal is to be liked, you should never say anything controversial, right?

At first thought, it might make sense, but it’s dead wrong.

Think about people you like the most (that aren’t in your family).

They are the people who share their opinions with you and with whom you happen to agree (for the most part).

Then, think about the people you don’t like.

They also likely share their opinions with you, but you probably don’t agree with them on important issues.

Opinions and thoughts are some of the biggest factors in deciding whether you like or don’t like someone.

If you never share your opinions, no one will likely hate you, but they probably won’t like you either.

If you want to create likable content, you need to share your opinions: Blogging is not journalism. If you want to write unbiased content, head to Wikipedia.

So, what happens when you do share your opinions?

Usually, one of two things:

  • they like you a little more if they agree (or like the way you presented it)
  • they like you a little less if they disagree

The more important the topic is to them, the bigger the reaction.

If you tell someone who is really into politics in the US that you support the Democrats, most will either hate you or love you, depending on which main party they support.

Here’s an example of Jon Morrow calling his readers dumb:

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Okay, he didn’t call them all dumb, but he shared a real opinion he had.

He said that if you’ve been spending years trying to get traffic and you still haven’t, “it’s because you’re dumb.”

The people who have actually been struggling for years are going to be pissed. They aren’t going to like Jon.

Honestly, his comment is a bit rude. But a lot of people are going to agree with him.

And those people will appreciate that he shared such a controversial opinion.

Won’t you eventually lose your entire audience? We all disagree on something.

So, if you share your own opinions in your content, doesn’t that mean that you will scare everyone off at one point or another?

It doesn’t.

For two reasons.

The first is that even if someone really disagrees with you on something, that alone won’t be enough to make them not like you (for most topics).

The second reason is that even if you don’t agree with an opinion, you can respect how it was presented and the thinking behind it.

For example, Ryan Deiss, a very successful marketer, wrote a post called “Why Blogging is Dumb”:

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If you know me, you know that I don’t agree with that statement.

However, he does point out some valid drawbacks of blogging and presents a possible solution.

I don’t think he’s necessarily correct, but I know that his strategies have worked well for him. I’m not going to hate, or even dislike, him at all just because he has a few differing opinions.

In fact, I kind of like him for it because he presents different viewpoints that get me to reconsider my own.

The bottom line:

Don’t hold things back—share your opinions. You’ll scare off some readers and customers, but the ones that share your views will like you much more.

2. Focus on the value, not the conversion

The things that make your content and brand likable aren’t always to do with the content itself. Sometimes, it depends on your approach to marketing and sales.

It shows whether you care more about your audience or your sales.

I’m not saying you shouldn’t care about both, but most of your attention should be on adding value to your audience’s lives.

If you do that, your audience will like you more and be loyal, and your sales will be better in the long run.

There are a few specific ways in which you can show your audience members what you care about most.

Way #1 – What your emails say: It’s safe to say that your most important audience members are the ones subscribed to your email lists.

They typically have two logical reactions when they get an email from you:

  • if it’s a sales email (e.g., “buy my product”), they won’t be happy and will like you a bit less. If you continue with sales emails, they may eventually unsubscribe.
  • if it’s an interesting email that contains value, naturally they’ll like you a bit more.

Of course, this only matters if they initially like you enough to open the email.

One email alone rarely makes or breaks an opinion of you, which is a good thing. If you make a few mistakes, don’t worry. Just learn and move on.

If you’re on my email list, I encourage you to take 30 seconds and look at the last 30-50 emails I sent you.

It should look something like this:

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None of these emails are in anyway connected to any of my products or services.

I get emails and comments all the time from readers who have been subscribed to my lists for over 6 months who can’t figure out what I’m selling.

They’re genuinely curious as to how I make money since they only get emails with new content that can help them.

And that’s the way I want to keep it.

I blog so much because I love it, and I love helping the type of people who read my posts.

I strongly encourage you to adopt a similar approach if you haven’t already.

It’s fine to send a few sales emails once in awhile, but those providing value should outweigh them at least 10:1.

If you stick to providing nothing but value for a while, readers won’t have any choice but to like you because all you’re trying to do is help them.

Build up that feeling and relationship first before you pitch anything to them.

Way #2 – Is content the focus? Opt-in boxes, and particularly pop-ups, could be called a necessary evil.

They’re the only reasonable way to build your email list.

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Understandably, readers don’t like them, especially the hard to close pop-ups (particularly annoying on mobile).

Although I’m not saying you shouldn’t use them at all, you should limit the use as much as possible and try to make them as easy to get past as possible.

As a simple test, ask yourself this:

When someone loads your page, is the content that they came for clearly in front of them?

If there are too many distracting opt-ins, sidebar ads, and pop-ups, readers won’t be happy. Then, they will associate that feeling with you and your brand.

When you come to read a post on Quick Sprout, there are opt-in forms. However, the content is front and center. It’s the first thing you see:

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There’s no scrolling needed, and there aren’t any overly distracting things in the sidebar.

A great reading experience is what readers will enjoy and remember you for. Make that your first focus before you worry about your email sign-up rate.

3. People like brands that engage

In the past, brands could hide behind their corporate perception.

But now, consumers want to know about the people they’re buying from and reading from.

It’s much easier for them to find out information about an author or marketer working for a brand.

And what they look for isn’t whether you’re an amazing person who does a lot of charity work; they look to see that you’re a real person.

The want to know that if you tell them something, you stand behind it.

More than anything, they want to connect with people, not companies.

So, how do you do this?

You need to take any opportunity you can to engage with your readers and customers.

One of the best spots is in the comment section of your posts. For example:

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There are three aspects of my comments and replies that you should try to emulate on your own posts:

  1. They’re real comments – When I say real, I mean that there’s no corporate BS, just real words coming from me. It’s a real conversation, with words like “I” and “you”—and not “our brand appreciates your support” (ugh…).
  2. I post under my name – Wouldn’t it be ridiculous if I posted under “Quick Sprout”? And yet that’s what many bloggers do. No one wants to talk with your brand; they want to talk with you.
  3. They have detail - Even though I have hundreds of comments to reply to a day, I try to avoid one word responses like “thanks.” Instead, I’ll leave detailed responses like the above whenever possible.

Do not limit yourself to just the comments section of your posts.

That’s a great start, but as your brand grows, there are going to be conversations about your content and products everywhere across the Internet.

Those are opportunities to show that there’s a real person behind your brand who cares. It’s also where many people decide whether or not to give your content or product a shot.

If you show up and leave a great comment, it makes their decision easy.

Social media is a huge source of conversations.

To start with, you always want to respond to comments on your own page. It’s a simple thing to do, but so many businesses don’t:

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In addition to engaging with your readers the way I just described, the next thing you should do is set up a Google Alert that lets you know when someone mentions your name or brand.

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Click the “show options” link to set the parameters of the alert, e.g., how often you want to get the alerts.

Then, you’ll get emails to your Gmail account at whatever frequency you chose (“how often”) that look like this:

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I’m mentioned in both of those links, and they are good places to leave a comment and respond to any other comments that mention my name.

In addition to monitoring my name, I monitor other keywords related to my brands. For example:

  • “Quick Sprout”
  • “Quicksprout”
  • NeilPatel.com

Always remember to include common misspellings.

4. Acknowledge the negative, but focus on the positive with your content

Everyone knows that one person.

No matter what happens, they always find a way to point out something negative.

Even if you like the person in general, it’s really hard to spend much time with a person like that.

Everyone understands that things aren’t perfect, but it’s most productive and enjoyable to try to focus on positive things while fixing negative things when possible.

But focusing on negative things just brings people down and doesn’t inspire action.

And this relates directly to content creation.

As the content creator, you control the narrative.

You get to choose whether you’re focusing on negative things or positive things.

Some bloggers choose to focus on nothing but negatives in their industry:

  • criticizing peers
  • criticizing consumers and brands
  • ranting about problems in the industry
  • focusing on scandals

Sometimes, a bit of that is a good thing. But if you find yourself writing “negative” posts week after week, your readers are going to associate you and your brand with negative feelings.

Why would they continue to come back to your site if all you do is make them feel sad and helpless?

They won’t.

Content marketing is supposed be about educating your readers and improving their lives.

Negative topics can bring certain things into perspective occasionally, but rarely they do much more than that.

Focus on the good: Think about the guy who likes just about everyone in his life. It’s hard not to like him because he always finds the good in people.

Then, think about the guy who criticizes others behind their backs. No one likes this guy for obvious reasons: they don’t want to be next.

Those are two extremes, but you want to be much closer to the first guy than the second.

Your content should be almost all focused on helping readers improve their skills or advancing your industry:

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Most of my posts are written to educate my readers, to give them the power to improve their lives.

No, not everyone likes me and my brand, but a lot of people do.

It’s hard not to like someone who dedicates a lot of time and resources to helping you any way they can.

Be that person in your readers’ lives.

How to focus on the good and the bad: I mentioned that sometimes it’s okay to focus on negative things, and sometimes it’s even necessary.

The best example I can think of to illustrate this point are humane societies.

Few have more reason to focus on negative things than humane societies do. It truly is sad when they have a ton of animals just waiting for real homes or when they uncover stories of animal mistreatment.

But they recognize that their audience is already informed about these bad things. They know that these negative topics deeply sadden their audience.

So, while they bring up sad events occasionally, they don’t inundate their audience with them because most people in that audience couldn’t handle that.

For example, the Toronto Humane Society occasionally posts about animals they’ve taken care of for an extended period of time (pretty sad):

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But 90% of the posts are happy stories about animals who have been adopted and found great homes:

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If there are negative things in your industry, it doesn’t mean you shouldn’t make your audience aware of them—just don’t overdo it.

Instead, focus on positive things as much as possible and on contributing to your community.

5. Understand the changing landscape of media

To me, the perception of content is fascinating.

A post can be the most boring thing in the world that puts you to sleep, or it can be so gripping that you fly through it.

The second type is much more likable. If you enjoy something that someone gives you, you’re going to like them for it.

Of course, most posts fall in-between those two extremes.

There are obviously many factors that affect how entertaining your content is, but a lot of it is due to how well you adapt your content to the changing times.

Ten years ago, you could write about anything in any way, and it would still get read even if it was a giant wall of text with very little value.

Since then, content has come a long way.

People expect value, entertainment, and presentation all in one.

There are three components of modern content that I feel make the biggest difference in how engaging your content is.

Component #1 – Write conversationally: I have an honest question for you: do you feel like I am giving a lecture to you when you read a Quick Sprout post?

I’m going to assume (and hope) you answered “no” because I try really hard not to sound that way.

Your writing should sound similar to the way you would speak to someone in real life.

Even though content is typically a one-way medium, that doesn’t mean that you just have to drone on about whatever you’re writing about.

Instead, ask questions, and use the language you’d use in real life, words such as “I”, “you”, and “your”:

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You can pick any part of my content and find at least a few of these words.

This post is about you and me, not about some hypothetical marketer in a textbook.

Make your content personal and conversational.

I highly recommend reading your posts out loud when you’re finished creating them. Pretend that you’re teaching a member of your audience in person.

It will be really obvious where you are not being personal enough.

Component #2 – Use media in content: No one wants to read a wall of text. Images are a great start, but these days you can include even more entertaining types of media.

Videos are a great example of this.

Perhaps even more useful, and more casual looking, are memes and gifs. I don’t want to sound too much like an old guy, but these are the ways to be “hip” right now.

A lot of top blogs, such as Buffer, are incorporating gifs into their content (basically short, silent video clips):

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Component #3 – Be transparent: Transparency not only makes your content a lot more gripping, it also makes you more likable (in most cases).

Transparency in content marketing means essentially pulling back the curtain and sharing your personal experiments and thoughts on running your business.

For example, I’ve written quite a few posts in which I share how I accomplished things like building a 7 figure agency:

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Even throughout other posts, I share personal stories whenever possible:

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Any personal story that a reader can relate to helps you build a bond with them. It makes you more likable because you share things in common.

Any time you get a chance to share a relevant personal detail or experience, do it. Your readers will like you more for it.

Don’t be worried if you think it makes you look dumb. Your readers won’t think of you that way. They’ll just see that you’re human after all.

Additionally, you can craft a whole series of posts around transparency. That’s essentially what the whole Groove blog is all about as well as my 100k case study.

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6. Don’t abuse content upgrades (which comes from a common misunderstanding)

We talked about how tactics that you use to build your email list can annoy readers and make them like you less.

What we didn’t go over was that beyond the annoyance of a pop-up or opt-in itself, the content of those tactics can also make users feel unsatisfied.

One of the most popular and effective email conversion tactics is the content upgrade.

If you’re not familiar with content upgrades, they are simply content-specific lead magnets that you offer your readers. Like this:

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Because the lead magnet is so relevant to the post, it can get a great conversion rate.

For example, in a post of 26 tools that improve blog performance, I offered a content upgrade of a cheat sheet of the tools. It’s a useful little download that many readers were interested in.

Where it all goes wrong: The content upgrade is a fantastic tactic; it works great.

However, it could also make your readers like you less if you apply it incorrectly.

The content upgrade bonus is supposed to be exactly that—a bonus.

More than a few times, I’ve seen bloggers offer information in a content upgrade that should have already been part of the content itself.

That’s how you annoy a reader.

If you write a post titled something like:

Stop Writing Boring Headlines: 11 Types of Headlines That Pique Reader Interest

…you’d better have your 11 best types of headlines.

But imagine if you did either of the following:

  • included 11 headlines but added a content upgrade that contains “the 2 headlines that are better than all these”
  • only included 8 headlines in the content and then asked the reader to opt in to get the final 3

The reader is going to feel cheated.

You made a promise in the headline, and they expect you to deliver it.

When they read a post, and then you tell them they have to opt in to get the really good stuff that should have been in the post, they will rightfully be a bit upset, feeling you pulled a bait-and-switch on them.

Have no doubt, you’ll get a great opt-in rate. However, you’ll get a high percentage of temporary email addresses and instant unsubscribes and be marked as spam.

Readers remember being tricked and will not like you for it.

The simple solution: Ensure that your lead magnets are truly bonuses. They should serve as an addition to a full piece of content, not a small piece hidden behind an opt-in form.

7. Altruism in your community goes a long way

The final way to make your brand more likable is to do something generous for your community.

Your typical content is a nice thing to do for your community. However, I’m talking about next level generosity here.

Throughout my career, I’ve found that the more you give, even without any expectation of getting it back, the more you do in fact get back.

Let me give you a few different examples.

I started by taking my free content to the next level with my advanced guides on Quick Sprout:

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These were so in-depth and useful that I had tons of people saying I should be selling them.

But I released them free—with no sales pitches, affiliate links in them, or anything like that.

Another product I briefly sold was Quick Sprout University:

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This took a ton of effort and resources to create.

While I sold it for a bit, I decided to release it for free. You can still access it using the top menu on Quick Sprout.

But generosity can go far beyond content and training.

A great example of this is TOMS shoes.

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For every pair of shoes they sell, they also donate a pair to a child that needs one.

This is similar to giving a percentage of sales to charity, but it shows that they care even more because they actually make the effort of making and delivering the shoes.

When you see someone do something out of the ordinary, it’s really hard not to like them.

And because of that, you’ll support them. Why wouldn’t you?

Although you give because you want to improve the world or your community, the supporters and likability you gain from that almost always bring much more back to you than you spend.

Conclusion

Wanting to be liked is a human instinct.

But more than that, being likable is necessary for modern marketing.

Readers and consumers have so much choice (for most things) that the part that often makes the difference is how much they like the people and brand behind the product.

It’s up to you to put in the effort to make yourself, your content, and your brand as likable as possible.

I’ve shown you 7 different ways that you can do accomplish that.

If you implement just a few, I’m sure that if you give it a bit of time, you will see increased traffic, engagement, and sales.

If you have any questions about these tactics or have any other ideas on how to be more likable to your audience, I’d appreciate it if you’d share them in the comments below.



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This Growing Crisis in America Is What No One Wants to Address

The national debt is nearly $19 trillion and growing by the second. Within the next decade, by the year 2026, the debt is expected to explode to $30 trillion.



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The Challenge of Getting Rid of Stuff

I have more things than I need.

Over the last several years, I’ve made a conscious effort to pare down my possessions. Most of the stuff I consider “mine” would fit into one room in our house. I could live in my office, in other words, which is about 100 square feet or so, if I slept on an air mattress on the floor. If I were single again, I’d be content with a much smaller house.

I still have far more things than I need.

Why do I say that? First of all, we need to look at why exactly I have these things to begin with.

Why do I have shelves full of books I’ve already read or books that I haven’t read yet? The only real reason to keep a book I’ve already read is because I think I might re-read it again someday or because it’s something I use for reference on a regular basis. My “reference” books number about thirty or so and my to-be-read books add up to the same. Why do I have hundreds of books?

Why do I have a large board game collection full of games that I’ve only played once or twice? I like to play games at least a few dozen times, but right now many of my games are at a much lower play count. Given the frequency with which I play, I’ll probably not feel like I’ve really played most of my games “enough” for many years. Plus, many of these games are owned by others in the game groups I participate in. Why do I have all of these games?

Why do we have so many extra things in the kitchen? We don’t really need all of these extra pots and pans and other items. Our storage space under the counter is chock full of stuff, but we rarely use more than a couple of the things – the Pyrex baking dishes, for instance, and the large French ovens that we use for everything. Most of the rest just sits there, unused. Why do we have all of this stuff?

Here’s the truth: it is really hard to get rid of the stuff that you have. At the same time, it’s pretty easy to convince yourself to acquire more stuff, even when you already have stuff sitting at home that’s practically unused.

In both respects, making the wrong choice is expensive. The books and games and kitchen items (and everything else) sitting on the shelves represent money that’s just sitting there. If I sold those items, I could actually invest that money where it’s earning a return. Furthermore, every additional item I buy means that the time spent using all of the things I already have is split even more than before. I literally paid money to have less opportunity to use the stuff I already have. Beyond even that, there’s very little that I have that I can’t borrow from others – I can get books at the library or games from the community board game nights I attend. Beyond that, having a bunch of items means more maintenance – more dusting, more effort in moving items around, more effort in redecorating, and so on.

Again, why do I have so much stuff? And why do I repeatedly choose to hold onto it?

One big reason is the perception of lost opportunities. Whenever I consider getting rid of something, I envision scenarios where I might use it in the future. Often, these scenarios seem realistic, but they’re not actually realistic. For example, I might think about a board game night that doesn’t go well because I no longer have some specific game that someone wants to play. Another example: I’ll envision a situation where I’m making a dish in the kitchen and I need a particular kitchen tool and somehow the dish won’t work without it.

Another reason is the subtle pleasure of seeing the items. I might not play all of the games on my shelf, but it is fun to look at the shelf and examine all of the games on it. Of course, I don’t lose all that much fun if my collection were, say, half of the size that it is. A collection of twenty games offers a ton of possibilities as one looks at their shelf, just as a collection of fifty games does.

Yet another reason is the effort in getting rid of the stuff. To get a decent value for many of the items we have, we have to spend some time shipping them and listing them online and so on. That takes time and effort. Even if we simply go the “yard sale” route, it still means devoting a good chunk of a weekend (and receiving much less for the items than by other routes).

So, here are the real take-home lessons from all of this.

I need to apply a very strong and critical eye to any new nonperishable items that I buy. If it’s something that’s going to be sticking around our house for a while, do I really need it? Do I really need this new book with the books I already have on my shelves? Do I really need this new game with the games I already have on my shelves? Do I really need this new paintbrush? Do I really need this new kitchen item when I have items that do similar things already?

I need to slowly pare down my collections when it’s convenient. As I said above, it does take a lot of effort to sell off possessions if you’re trying to get a decent return for them. Instead, I just keep my ears open for opportunities to sell them off. I’ve sold games at board game nights to people interested in picking up specific games. Occasionally, I’ll list batches of items on Craigslist, but I do it at my own convenience. The goal here is to get a decent return for my stuff, but also to pare down the stuff that I own.

I need to reconsider why stuff, rather than experiences, brings me joy. Why exactly do I feel happy about seeing a bunch of stuff sitting on my shelves? Where is the source of that joy? I think it comes from a childhood where I didn’t always have the things that I wanted, but when I’m honest with myself, I realize that’s an illusion. Having that stuff doesn’t really bring me joy. What brings me joy is experiences – making a meal, playing a game, and so on. Authentic joy doesn’t come from having something on a shelf.

I need to use my stuff – and if I don’t, it’s a sign that I’m not really the person that I think that I am. If I have a pile of books that I feel like I’m excited to read… but then I don’t really read them… what does that mean? It means that perhaps my taste in books and passion about specific books isn’t want I thought it was. That doesn’t mean I’m bad or that the books are bad. It just means I need to rethink both my tastes and how I’m spending my time.

I need to remember also that my life choices are an example for my children, both in straightforward ways and less obvious ways. This is always a part of my thinking regarding everything that I choose to do. My children are watching and learning from me. What am I teaching them with my choices?

Remember, an ideal life is one where you get a lot of fulfillment out of how you spend your time and that you have possessions that support that fulfillment. Possessions that don’t support that fulfillment are unnecessary. They just soak up your money and your financial freedom. They fill up space and make you live in a larger home than necessary. They require you to spend more time doing maintenance – dusting, moving things around, and so forth.

Do I need to make radical changes to my life, my possessions, and how I buy things? No.

Do I need to be more mindful about the things that I own and the things that I’m considering buying? Absolutely.

Every single step that I take in terms of understanding why I spend money and how I can spend that money more effectively in terms of making the best life possible is a victory. It means I’m better able to build a joyful life for myself and my family on less money than before, which in turn means that I have more and more freedom with regards of how to spend my time and energy.

The challenge, of course, is turning that understanding into day-to-day life. I need to work harder on not acquiring more stuff and slowly getting rid of my less used stuff.

Understanding why I’m doing this is one thing. Putting it into practice is another.

The post The Challenge of Getting Rid of Stuff appeared first on The Simple Dollar.



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Want to Earn $20 an Hour Reading People’s Futures? All You Need is a Deck of Cards

I’m a freelance journalist, writer and language practitioner by trade.

Both my wife and I have come to expect the freelancer’s middle-of-the-month slump, but a couple of months ago we hit a really bad patch.  

We were stuck between deadlines with no work coming in and the fridge about empty. It was time to think outside of the box.

Reaching for a tarot deck I’d received from friends, I started doing tarot readings on the side to supplement the food budget.

Seriously.

Before I knew it, those readings became regular. I was making up to $20 per hour — and I didn’t have to don a robe or change my name to “Madame Beverley the Magnificent” (or Miss Cleo, remember her?) to do it!

During the first few months, tarot readings brought in at least $200 of much-needed extra cash. And it didn’t taken much time (or effort) to pull out the cards and do a reading between deadlines.

Here’s how I started making $20 per hour reading tarot cards, and how you give it a try for yourself.

Getting Started in Tarot

I’d been doing tarot readings for friends and family members years before it occurred to me to turn it into a side gig. Sometimes, I consulted the cards to get some insight into a plot when writing.

This experience, along with a range of Tarot books (and my own card-meaning cheat sheet), gave me the confidence to start charging for my services.

Eventually, I ditched the cheat sheet, learned to interpret cards from memory and moved over to my first paid reading. Looking at how other readers interpret certain cards was also a big help!

What’s in a Tarot Deck?

Don’t have a tarot deck? There are thousands of available decks, each with its own nuances.

For beginners, pick a deck that sticks to “classic” imagery. Here are my top five favorites from Amazon:

Marketing Myself as a Tarot Card Reader

My first step was joining tarot groups on Facebook and networking with other readers.

Some of the groups didn’t allow advertising, while others required a test reading before they allowed ads. Many non-tarot groups have rules specifically against advertising tarot readings.  

Make sure you read the rules before advertising on any website or group. Otherwise, you could get banned from all of them!

Within a week, I noticed I had more success advertising in the groups and circles I regularly commented in, rather than where I just placed an ad.  

People want to connect with you as a reader before they book and pay for their readings.

I started by offering simple and free three-card readings, so people could get used to seeing me around. From there, I started building a reputation and word-of-mouth took over.

If you intend to do readings more than every once in a while, advertise at local venues, fairs and forums (again, read the rules!).

Also, start a blog or website. Set one up for free through WordPress and use it to showcase your work.

How Much is a Reading Worth?

Rates for tarot readings vary. Expect to charge anything from $5 per reading and up. There seem to be a lucky few who earn up to $250 per reading.

What people are willing to pay depends on your experience, reputation, what kind of reading you offer and how you do it. For example, email readings are often cheaper than those done live or through Skype.

I started out offering $5 three-card readings, and worked my way up to $20 readings within a month. These were much more complex and detailed — and I had built up a good reputation.

People like special offers. Once I stopped the free readings, I offered things like “two-for-one readings” if people book and pay for a friend. I also offered “free three-card readings” to introduce myself to new clients.

With Cartomancy Comes Responsibility

Two hard questions from opposing clients made me realize it’s about more than just fortune-telling or interpreting messages from cards.

People come to you because they want answers and guidance.

Their questions can range from strange (“Should I get a cat this year?”) to serious and life-affecting (“Will my kids be OK if I die?”). It’s up to you to help them out.

I’ve seen cases of tarot readers convincing people to leave their families, sell their homes and go to Mexico — don’t!  

You have a responsibility not to give bad advice when people come to you for guidance.

Tarot Tips

Thinking about giving it a shot? Here’s my best advice:

  • Get some good tarot books, study up and practice for free with friends, family or yourself before charging.
  • Don’t price yourself out of the market: Too low and you’re a newbie, too high and you’re a charlatan!
  • Religion shouldn’t be a factor. Clients will come from all walks of life and belief systems. Being a writer, I emphasised writing a beautifully intricate reading, rather than “fortune-telling”.
  • You’re not just “telling the future.” Don’t rely on tarot cards to give “yes” or “no” answers to questions you don’t want to interpret — and don’t give bad advice!

How to Make More Money

Here’s how you can charge more for your readings:

  • Start small, and work your way up to a higher rate. As your experience grows, so will your rates.
  • Turn a $5 reading into a $10 reading by offering added extras or new spreads.
  • Change how you read: Can you afford to go to your clients, or will you do it via email or Skype? You can charge more for in-person readings, especially if you travel.

Reading the cards for money started out as an experiment and a way to get my wife and I through a rough time, but I’ve continued doing it on demand.

Every once in a while, a new client comes along or the regulars need some insight, and I’ve just kept on going.

Can it work for you?

Have a look: It’s right here, in the cards…

Your Turn: Have you ever read Tarot cards? Would you try it for extra income?

Disclosure: This post includes affiliate links. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.

Alex J. Coyne is a South African author, freelance journalist and language practitioner. His work has appeared on various blogs and in national and international publications.

The post Want to Earn $20 an Hour Reading People’s Futures? All You Need is a Deck of Cards appeared first on The Penny Hoarder.



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Is That Fixer-Upper Worth It? This Advice From the Property Brothers Will Help You Decide

Drew and Jonathan Scott, hosts of the hit HGTV show “Property Brothers,” have a knack for transforming the most undesirable pieces of real estate into beautiful homes.

Whether you want to flip houses, save money with DIY magic on your next home or you just enjoy a good before-and-after pic, you’ve probably tuned in before.

What tricks can these experts offer for your next project?

They shared some of their top tips in a recent PopSugar interview.

1. Work With Experts

A fixer-upper might seem like a great deal.

You buy a house that needs some TLC and invest your time, energy and a few special touches to turn it into something worth way more than you paid.

But old or neglected properties can come with unpleasant surprises.

Jonathan Scott recommends working with professionals who know the area.

“Any house can be made to look beautiful, but by working with the right experts, you can ensure the property you choose is actually worth it in the end,” he told PopSugar.

2. Look Beyond a Property’s Current State

“I love it when other buyers run away from a property because that usually means it’s the one I want,” said Drew Scott.

It’s easy to be turned off when you walk into a room and see ugly carpet, wallpaper, paint or appliances. But these are all cosmetic problems you can change with a small investment and a few days of work.

3. Look for Unexpected Places to Save Money

Rather than put off a project because you’re afraid of the cost, search for ways to complete it on a budget.

“If you can’t afford custom kitchen cabinets,” Jonathan used as an example, “then buy prefab and spend a few extra dollars on the countertop, crown and lighting to make it look more custom.”

You can find sneaky ways to make a room look fresh, new and modern without splurging for expensive, brand-new materials.

4. Splurge Where It Matters

Drew advises becoming familiar with the community in which you’re buying, particularly if your goal is to flip a house.

Get to know the people in the neighborhood and what they’re looking for. Are they willing to pay extra for custom cabinets, or are you better off going with the prefab?

“Also, technology is a hot-ticket item these days,” he said.

“How about a fridge that will tell you when your food is about to expire? Or the new energy-efficient washers and dryers that will wash a load in 15 minutes and dry in 15 minutes?”

5. Find Up-and-Coming Neighborhoods

Emerging communities are gold for smart real estate investors.

They buy properties early for cheap, then sell them for a huge profit when the neighborhood is in high demand.

Drew warns, “Trying to invest in emerging communities can be risky, so if you are new to real estate, then we suggest sticking to areas you are comfortable in.”

If you do want to spread your wings and get into an up-and-coming neighborhood, he said it helps to work with a real estate agent who knows the area well.

You can also look for major developments coming to certain areas by checking with a city planning department.

If you have enough real estate experience (or know someone who does), these coming developments can help you spot a good buy.

Your Turn: Have you renovated a fixer-upper? What tips do you have to add?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more.

The post Is That Fixer-Upper Worth It? This Advice From the Property Brothers Will Help You Decide appeared first on The Penny Hoarder.



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A lesson from history: how sensible investing could have made you a million

Those who had saved their full annual allowance into a Personal Equity Plan (PEP) – the precursor to the modern individual savings account (Isa) as we know it – and then an Isa since 1987 could now be sitting on well over £1 million, according to Fidelity International.

Those who had saved their full annual allowance into a Personal Equity Plan (PEP) – the precursor to the modern individual savings account (Isa) as we know it – and then an Isa since 1987 could now be sitting on well over £1 million, according to Fidelity International.

That’s a total of £242,520 invested for a return of £1,289,687.

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الثلاثاء، 2 فبراير 2016

This Is the Cheapest Date We’ve Ever Seen


Worried about breaking the bank this Valentine’s Day?

We think we’ve found a way for you to save money on date night — and get a little closer with your other half in the process.

Two friends shared the trick on YouTube last week in their video “Bo & Matthew Sneak Into a Movie Theatre.”

Their secret? Go in together dressed as one person.

And it worked.

After a few trial runs, the two men found a configuration that would work — Matthew wrapped his legs around his friend and clung tight.

They pulled a huge pair of pants and a couple of T-shirts over his backside, which resembled a large, hanging stomach (if you don’t look too closely).

cheap date ideas

YouTube via Huffington Post

The pair went to the box office in their marsupial-like disguise and purchased a single ticket for The Avengers.

We’re not clear whether the clerk suspected the ruse.

But you can probably agree you’d want to be 110% certain before accusing a man of actually being two men dressed in one outfit.

I know I’d err on the side of costing the theater its $12.

How to Really Save Money on Valentine’s Day

But seriously. There are certainly better ways to get into somebody’s pants on Valentine’s Day.

If you’re not down to snuggle quite this much with your beloved to save on a Valentine’s matinee, may we recommend some less-deceptive (and totally legal) ways to enjoy some frugal romance?

Grab this Restaurants.com deal for $100 dinner and a movie for just $30.

Follow these tips to save money without looking cheap.

Pick up one of these last-minute gifts for under $5. Don’t worry; they don’t suck.

Skip the movies, and plan one of these budget-friendly dates instead.

Try these tips for saving on Valentine’s Day for kids (though, we have to admit, the two-person-one-body trick would be way easier with a child…)

Your Turn: What extreme measures have you taken to save money on a date? Share your stories in the comments (bonus points if you have it recorded)!

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She also writes about writing, life, comedy and love for blogs and books and sometimes things people care about, like Huffington Post and that one time she had an article published in the Onion.

The post This Is the Cheapest Date We’ve Ever Seen appeared first on The Penny Hoarder.



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U.S. Loses Top 10 Spot in Economic Freedom

The United States has fallen out of the top 10 countries of the world in terms of economic freedom according to the latest Index of Economic Freedom.



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10 Ways to Have a Financially Happy Marriage

Are you tired of thoughts about money that make you ill?

Perhaps you’ve said at one time or another:

“Will I have enough money for retirement? How can I pay off my credit card debt? How do I manage all of these medical bills? I wish I had more money to have fun, but that dreaded house payment is eating me alive!”

OK, maybe you haven’t thought about all of these, but remember I’m the financial planner, and these questions and thoughts plague many.

So perhaps that begs this question: Is there such a thing as a financially happy couple?

how to have a financially happy marriage

There are many financial battles to overcome, but you can believe financially happy couples do exist. And let me assure you, feeling happy doesn’t have anything to do with driving a Maserati.

Simple but smart, these 10 ways will make anyone breathe a sigh of relief. They lighten the load, and if you can just make a little progress with each one, your smile is certain to start growing a little wider.

1. Make Giving a Priority

Giving, to your church, a charity, or in other ways is the best way to keep money from ruling over your life! It helps us to learn to be more selfless and not put money as the top priority in our lives.

I know a couple that secretly pays dinner bills for restaurant goers from time to time. What a nice gesture! It would be easy to keep the money for themselves but they choose this selfless act of kindness.

For us it started with tithing. Trust me this wasn’t easy for us. I’ve had a church background all of my life, so tithing comes easy to me.

With my wife, Mandy, it’s taken some time and trust in Jesus to allow the both us to tithe together. It made for some interesting conversations, but the power was in the conversation and being able to work it out together.

We also sponsored a child through Compassion. It’s a small amount each month, but we know it will make a huge impact on the kid that we’re helping. Giving should be contagious.

2. Manage Spending Well

I won’t bore you with a budget speech, but I will tell you it’s smart to have a plan for your spending; otherwise, your money will own you. It will tell you where it wants to go every month (with so many temptations to spend) and you’ll likely do as it says.

If you’re read my blog, you’ll know that I hate budgeting, even though I recognize that budgeting is super-important for a couple to succeed financially.

That’s why I thank God everyday that he put Mandy, in my life, and she loves to budget. Opposites attract, right?

I might be the financial planner in our relationship, but Mandy is our household CFO and is charge of all our finances. Mandy keeps it simple and uses an Excel spreadsheet and paper and pen. You can also set up a spending plan and track it using personal finance or budget software like Mint.com or YNAB. The key is to find what works best for you and your spouse.

3. Seek Alternative Sources of Income

My friends, it’s not all about cost containment and smart spending. You can only squeeze your pennies so tight. Seeking alternative sources of income is a game changer. Everyone has some skill that could be marketable. And if you don’t have any marketable skills, you can certainly learn some.

Six years ago, I never thought that starting a blog would produce extra money for our family. That became even sweeter when a few years later Mandy’s blog was able to replace her income from her old corporate job. Making extra money allowed us a little breathing room so we weren’t always stressed out on how to pay the bills.

We definitely treated ourselves to several new and nicer things. But after we got through that phase, we’ve started to focus more on giving back. Either through more giving or investing into ways to share our message more like this blog. The other exciting and unexpected thing that we discovered is that by working on our businesses together we’ve grown that much closer.

For ideas on how to make extra money, you might like this post: 100 ways to make $100 fast.

4. Have Long-Term Goals — and Share Them

Financially happy people have long-term goals. They have a plan for their finances, how much money they’ll need once they retire and even consider funding college or leaving an inheritance for their kids.

Those concepts feel overwhelming when you’re just trying to pay for the last doctor’s visit? Start small and get some help.

Find a financial adviser you can trust that will help you create your plan and show you what just a little bit of savings each month into your 401(k) or IRA can do for you several years down the road.

For example, we didn’t have a lot to save for our kids to go to college someday, but we decided to start small. What used to have two zeroes behind it now has three. It’s amazing what small, steady plodding can do!

Make sure your goals aren’t always centered around money, too! Some of our long-term goals include traveling to foreign countries and being strong Christian parents that our sons will respect. Working toward these goals together infuses a sense of happiness that can’t be avoided.

setting financial goals

5. Have Short-term Goals — and Share Them, Too

Yes, short-term plans are important, too. I don’t mean monthly, but think about what the next three years are going to look like. Set some attainable goals — such as funding your savings account with X amount of dollars, paying off your car loan and starting contributions to your long-term plan. These are all admirable short-term goals that can be achieved in three years or less.

Even shorter goals may be establishing a spending plan, carving out time to talk to your wife about money at least once a week (not on a date night or at the dinner table with the kids) so that you make sure you’re both on the same page and overcome obstacles together.

I’m a big believer in setting long- and short-term goals. Every quarter I write down my quarterly goals as well as review my one-year, three-year and lifetime goals. This is for my business and even more importantly my life and family goals.

I wasn’t always a believer in writing down goals, but after doing it for over three years now I see the importance. One example is the two-week RV trip that we took last sumer. Never in a million years would we have been able to take that trip unless I made it a short-term goal. I can remember in January I put the trip on my calendar for May 29 so that I couldn’t back out.

6. Avoid Debt

I won’t tell you anything you likely don’t already know here, but credit card debt is going to be the No. 1 killer of your financial happiness. Yep, once you dig yourself into a hole, it’s difficult to get out of. High interest payments can add up to cost you more than the initial spending on your credit card — and you’ll soon be telling yourself it wasn’t worth it.

I’m all in favor of using a credit card to fund expenses each month, but those have to be planned expenses. You don’t deserve a shopping spree or night out on the town if you can’t afford to pay for it with money in your checking account.

Sorry, but it’s the truth. OK, so perhaps you’ve made that mistake. Now what? Check out online software like Ready for Zero to create a free debt plan. You’ll also love this blog post by Dale Partridge that outlines how to become debt-free by age 30.

When Mandy and I first got together, I had credit card and student loan debt, while my wife had none. Even worse I didn’t recognize that I was on a path of self-destruction because of my buying habits. It wasn’t until I tried to convince my wife (she was my girlfriend at the time) that I needed a new flat screen TV.

Did you catch that? I “needed” it. What I needed was a stern kick to the groin.

She wasn’t that harsh, but she did voice her concern about getting the TV and putting it on my credit card. At first I resisted, but after a few days I realized she was totally right. That was a huge steppingstone for us in getting on the same page of not letting debt ruin us.

7. Learn to Be Content

If you’re not aware, the Bible offers a lot of sound advice that applies to today’s finances. Learning to be content is probably the most important. I said “learning” because contentment doesn’t come naturally and you have to be open to it. We all know the phrase, “keeping up with the Joneses,” right?

If you decide to run that race (and stretch for the car, house and all that fun stuff you may not been able to really afford, you think you need or deserve to have), you won’t finish.

You’ll keep running and running because there is always another Jones family to chase after, and at the end of the day, stuff can never make you financially happy. You can certainly have financial peace, but that doesn’t have anything to do with a closet full of clothes (or that Maserati).

I can hear many critics saying, “Jeff, we’ve seen your house on Pinterest. Is that really being content?” I have to somewhat agree, but God has blessed us over and over again, and we never put ourselves in a situation that could have ruined us financially.

We’ve learned to work hard, save money, and then reward ourselves. Besides, have you seen our three young boys? As much as they run and jump around like psycho ninjas, we need our big house.

8. Save for Emergencies

Another idea for peace of mind is a short-term savings account that funds the unexpected. Financial gurus will tell you that you need six months or more income set aside, but honestly, I’m a little tired of hearing this because most people have an extremely difficult time saving this much money and that takes a while to do.

I think it costs a lot of money to live these days, particularly with kids. So my advice goes back to seeking alternative sources of income. Start a savings account funding project, if you will. Earn a little extra money for the sole purpose of funding this account. Might you be able to save $500 in that account in six months? Could you have $1,000 in 12? I bet you could if you’re willing to work a little bit extra to seek an alternative source of income.

One slightly unfair advantage we had on this was me deploying to Iraq right after we were married. Before I was deployed, we were lucky to have $500 in our savings account. Before I was deployed, we made a commitment to take all the extra money I would make and pay off all the debt we had, max out our Roth IR’s and get our savings account to an amount we were both comfortable amount.

By the of the deployment we had $5,000. I can remember coming home from Iraq and so proud of achieving that. I was proud because it was the most money I had ever saved in my life — and we achieved it together.

9. Don’t Let Your House Own You

The biggest expense most people will ever have is their house, whether that be as a renter or homeowner. In general, you’ll hear or read that the house payment shouldn’t exceed 25 percent to 30 percent of your take-home pay. Yet, many people will extend this to 50 percent and are left with nothing to live on or save at the end of the month. It’s so incredibly difficult to do all of the above if your house is eating your money away.

If you can’t afford to buy with a 20 percent down payment, don’t. Happily rent until you can. There are a lot of advantages in renting, and homeownership is certainly not the default answer to a roof over your head, as it was in the past. If the house is getting the best of you, I strongly recommend you consider downsizing or making a change. Yes, it can be a difficult experience on many levels, but it will be worth it in the long run.

10. Seek Mentors

Personal finance is a journey. Problems aren’t solved overnight. Forget about the get-rich-quick mentality — it sends more people to the poor house than it makes them rich. There are plenty of obstacles to overcome and a lot of perseverance needed to stick to our plans and make progress. That’s why it’s critical to find a mentor, counselor or coach you can trust to help guide you along the way.

Preferably, find someone who has traveled similar paths. Coaches can be found via your church or through organizations such as Crown or Dave Ramsey. Coaches can be leveraged to help with specific obstacles or goals, or they can be used on a quarterly basis for an overall review.

One of our mentors is our CPA. He’s amazing at doing our taxes and also at advising us on our growing pains of running several businesses. In our last meeting, which ran almost four hours, we talked about life and how to balance everything we are doing. Since our CPA is a family man (he has four kids) and runs several businesses, his mentorship is invaluable.

Time to Get Financially Happy

There you have it: 10 tips for a financially happy marriage, and none involved buying an extravagant house or the Maserati I mentioned in the introduction. They are simple and stand the test of time. Anyone can follow them.

Print this article and find a coach. When your coach asks you about your goals, let the person know you’d like help implementing every one of these tips and to hold you accountable to avoid some of the mistakes that were mentioned.



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Business Briefcase: Local Century 21 agent gets national award

Caponigro gets honor from high customer satisfaction index Century 21 Real Estate LLC has recognized Kathleen Caponigro of Century 21 Unlimited Real Estate in Mountainhome with the Century 21 Quality Service Producer award. This national award is presented annually to those Century 21 affiliates who receive a minimum return rate of 30 percent on their [...]

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Bruegger’s Will Give You 3 Free Bagels on Thursday! Here’s How to Get Them

When I was growing up, my mother packed all my school lunches.

Despite the fact my lunchboxes sometime supplied bullies with making-fun fuel, I remember those lunches now fondly. They served as a tangible reminder of how much my mother loved me.

And I know she really loved me, because all of my sandwiches were made on bagels — instead of regular bread.

Trust me, if you really want someone to know you care, roast beef and cheddar on an everything bagel will do it.

Bruegger’s Bagels Anniversary Giveaway

Even if you don’t have a bagel sandwich to give you the warm and fuzzies, you’re in for a treat: You can get three free bagels at Bruegger’s this Thursday, Feb. 4, from open to 11 a.m EST.

Why, you ask?

Well, it’s Bruegger’s 33rd anniversary, and they want to share the love with you.

Ready to Claim Your Free Bagels?

All you have to do is head over to the Bruegger’s website. A pop-up will display, asking for your name and email address.

(Psst — if you accidentally click out without claiming the offer, try reloading the page in Incognito or Private mode, or clearing your cookies.)

Type in your information, click the big red button and bam: a coupon for free carbs will show up in your email inbox. You can either print it off or load the deal on your smartphone once you’re in-store.

Then, enjoy your delicious bagels, free of charge!

Happy anniversary, Bruegger’s.

Your Turn: Will you head to Bruegger’s Bagels this Thursday for your free bagel treat?

Jamie Cattanach (@jamiecattanach) is a junior writer at The Penny Hoarder. She also writes other stuff, like wine reviews and poems.

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10 Ways to Trick Yourself Into Saving Money

As adults, we shouldn’t have to trick ourselves into doing the right thing. Yet, most of us still do it all the time.

Raise your hand if you have ever hidden food from yourself, set your alarm clock a few minutes fast or even moved it across the room (so you have to actually get up to turn it off), or rewarded yourself for doing mundane chores.

You may not eat that bag of Twizzlers if it’s not sitting in front of your face, after all. Hitting the snooze button is a lot less appealing when you have to walk across the room every eight minutes to do it. And while you don’t want to do the dishes — like ever — if you promise yourself ice cream afterwards, you’re up and scrubbing before you know it.

Sound crazy? Rest assured, none of these strategies makes you crazy, nor do they make you lazy. Most of us trick ourselves into doing (or not doing) all sorts of things, with various levels of success.

10 Ways to Trick Yourself Into Saving Money

Let’s face it; adulting is hard. Sometimes the last thing in the world we want to do is the right thing – whether that’s mowing the grass, exercising before work, or whipping up a nutritious home-cooked dinner instead of calling up Jimmy John’s.

Sadly, the same principle applies to money as well. The perils of adulthood have a way of making saving money hard and spending money easy. Did I mention that Jimmy John’s delivers?

Here’s the good news: In the same way you blend vegetables into a smoothie and pretend it’s dessert, you can trick yourself into saving money, too. Here are 10 ways to save yourself from bad decision-making by forcing your own hand.

1. Institute a Waiting Period Before You Make a Purchase

Buying stuff you don’t need on an impulse can be absolutely tragic for your budget. But, what if you made up a random waiting period and convinced yourself to follow the rules?

Chris Huntley from Huntley Wealth & Insurance Services performs some variation of this strategy with his wife, but only with purchases of $50 or more. If any purchase exceeds $50, they have to check in with each other first. Strangely enough, this one extra step is often enough to deter Chris from going through the trouble.

“This could be as simple as a quick text message, but I can’t tell you how many times I’ve been deterred from buying something because I knew I had to run it by Brenda first,” he says.

The fact that Chris and his wife keep each other accountable might be why this situation works out so well. Regardless, this just goes to show that making up rules can work – but only when you’re disciplined enough to follow them.

2. Boost Your Tax Refund Through Payroll Deductions

If you struggle to save something meaningful each year, you can always force yourself into saving via payroll deduction. Morgan Quinn, a content designer for Tada, a new tax service from Intuit, does exactly this; she claims fewer exemptions on her W-4 so that extra cash is withheld from each paycheck.

“I end up with a nice little tax refund at the end of the year, which is usually around $1,400.00,” she says. Morgan uses this money to plan a trip or pad her savings account. “Some people say this technique is like giving the government a free loan, but it’s an easy way for me to save and it feels like free money.”

To that, most of us say, “Meh.” Who cares about giving the government an interest-free loan for a few months if you would blow those extra dollars on junk anyway? If you have trouble saving money, this simple trick could help you save with no effort on your part.

3. Transfer Coupons and Discounts into a Savings Account

If you’re constantly scouring the Internet for deals or whipping out your coupon binder, you could be saving boatloads of money on everything from groceries to office supplies. But, what if you actually transferred those savings into an actual savings account?

Eric Nisall from DollarVersity once tricked himself into saving money by doing exactly that. Each time he used a coupon or earned significant savings somehow, he would move that money into a special account. Over time, this helped him build a stash of cash that practically came out of nowhere, he says.

“So, if I went to the grocery store, or any shopping really, I took the ‘total savings’ from the bottom of the receipt and transferred it,” says Eric. “I transferred all of my overtime payments as well. Since I only budgeted for gross spending and regular paychecks, I didn’t notice any difference in my everyday account.”

The key here is remembering to transfer the money, then keeping your hands out of the cookie jar. But if you can make it work, the savings you glean from coupons and deals could really add up over time.

4. Remove Credit Card Numbers from Your Favorite Online Shopping Sites

Addicted to online shopping? Maybe it’s the convenience factor – or maybe it’s because you’ve made it so darn easy for yourself. By setting up an account and saving your card information, you’ve opened up the door to a world of financial hurt.

Michelle Diamond of FitNPoor.com found a workaround that helps her avoid impulse buys, although she had to find a third party to do the dirty work.

“I have my husband delete my saved credit cards on Amazon,” she says. “It gives me time to think if it’s worth getting up, finding the debit card, and typing the info in again.”

Nine times out of 10, says Michelle, the extra effort dissuades her from making an impulse buy — she’s too lazy or forgets about the purchase completely. Other times, she saves money by delaying purchases until she really needs something.

“I put off buying swim diapers for four weeks with this method,” she says.

5. Trick Yourself with a Zero-Sum Budget

Our favorite type of budget is the zero-sum budget. While it isn’t rocket science, this type of budget does something amazing: It forces you to hide money from yourself every month.

Here’s how it works: At the beginning of each month, you make a list of that month’s fixed and estimated expenses, tally them up, then transfer the amount of money you need into checking. All extra dollars you earn that month and the month before sit safely in your savings account – or “out of sight, out of mind.”

Joe Saul-Sehy of the Stacking Benjamins podcast uses this strategy to funnel more money into his savings account every month. He sets his pay up so that all new monies are transferred into his savings account via direct deposit. At the beginning of each month, he transfers what he actually needs into his checking account – per the zero-sum budget rules. This works like a charm, says Joe.

“My brain then thinks money’s already saved and I’m less likely to spend it,” he says. “It works far better than you’d expect.”

blindfolded with $20 bill

If hiding your money from yourself — keeping it “out of sight and out of mind” — is the only way you’ll save it, then so be it. Photo: House Hammer

6. Convince Yourself That You’re Broke

When your checking account is flush with extra cash all the time, you might be tempted to splurge on something out of the ordinary. We’ve all heard how extra money “burns a hole in your pocket,” and it’s absolutely true. If you always have extra funds at your disposal, you’re a lot more likely to buy stuff you don’t need.

Now imagine your checking account is hovering just over zero. Your bills are paid for sure, but the money left over for “wants” has been depleted.

If you actually have that money stashed in an account that is harder to get to, you might feel artificially poor at this point. Elizabeth Colegrove from Reluctant Landlord keeps her checking account near zero for this exact reason – it makes her feel squeezed financially, which results in almost no “extra” spending.

7. Maximize Work-Sponsored Retirement Accounts, and Live On the Rest

By now, most of us know we should be saving more for retirement. Sadly, far too many people aren’t stashing away nearly enough.

One way to remedy this situation is a corollary of the previous trick: Contribute the max – or as close to the max as you can – to your work-sponsored retirement account. That way, your employer will automatically deduct the money every payday, and you won’t have to lift a finger. It’s a lot easier not to spend that money when it’s socked away before you see it.

Colegrove says her family employs this strategy with her husband’s paychecks each month. “I automatically max out my husband’s retirement account before we see his income,” she says. “It’s harder to raid the account when it gets paid first.”

8. Transfer Raises Straight Into Savings

Hui-chin Chen of Money Matters for Globetrotters tricks herself into saving more each year by automatically saving every raise she scores at work.

“I keep spending constant, assuming I’ll never make more money, and save every cent of additional income,” she says. According to Chen, this strategy has helped her double her savings rate over time.

One way to take human error and forgetfulness out of the equation is to make this move automatic. Each time you get a raise, say at the end of the year, you could bump up the contribution to your work-sponsored retirement account by the same increment.

Let’s say you earn a 3% raise this year. To save that amount automatically, just have your employer take an extra 3% for retirement out of every paycheck from that point on. That way, you won’t get used to the extra income and start inflating your lifestyle, making it easier to continue living on your current salary and saving the rest. (What’s more, you might still notice a small bump in your take-home pay, since that 3% is withdrawn before taxes.)

9. Ask Yourself One Important Question Before You Make a Purchase

Have you ever gone into Target for bread and left with a cart full of random purchases? This kind of scenario plays out all the time, and with drastic consequences to our finances.

But, what if you asked yourself one simple question before you bought anything? What if you found one sequence of words that convinced you to leave Target without that cart full of stuff?

Lena Presley Gott of What Mommy Does found that asking herself one simple question is enough to talk herself out of most impulse buys. Before buying anything, she asks herself: “Did I need it yesterday?”

If the answer is no, then she doesn’t buy it. If she didn’t need it yesterday, then she probably doesn’t need it today either, right? And she probably won’t need whatever it is tomorrow, which makes it easier to stick it back up on the shelf where it belongs.

10. Trick Yourself with Money-Saving Apps

Money-saving apps are all the rage these days, and for good reason. Many of them help the average consumer save more money over time without a lot of effort in their part.

Michelle Jackson of the Shop My Closet Project says she does two things, and two things alone, to save as much as she can every month.

“I use cash and save my change, and I am using Digit to save in a pain-free way,” she says.

Digit connects to your checking account and uses advanced algorithms to help you save nominal amounts of money — $2 here, $5 there, when it knows you can best afford it — on a regular basis. And for the most part, it’s painless, which is probably why the app has become so popular.

Final Thoughts

In a perfect world, we would all do the right thing all the time. We would exercise five days a week, eat 11 servings of fruits and vegetables every day, and change the oil in our cars every three months. And of course we would all max out our retirement accounts, set up targeted savings accounts for everything from roof repairs to family vacations, and live a debt-free lifestyle from day one.

But we don’t live in a perfect world, and real life can suck sometimes. That’s why some of us sleep in our workout clothes: It may seem like a desperate strategy to force yourself to the gym at 5:00 a.m., but you can’t argue with the only thing that works.

If you need to leave your wallet at home when you leave the house, then so be it. At the end of the day, it doesn’t really matter how you convince yourself to save; it only matters that you do.

Being an adult is hard these days, so you have to go with what works. And sometimes, that means protecting yourself from your own worst enemy – yourself.

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If We Knew How Much Money You Could Save Collecting Rainwater, We’d Have Started Years Ago

Before you step in the shower, do your laundry or wash your car, think about how you can save money by saving water.

Sure, some people put bricks in toilet tanks and use other unorthodox techniques to save water and money. But there’s another way to reduce the amount of water you pay for: Catch the free stuff using rain barrels.

One woman’s rain barrels have helped her saved more than $2,000 in five years.

And in some areas, you can actually get paid to install rain barrels, in addition to the savings you’ll see on your water bill.

Curious about how to use all this season’s rain and snow to your advantage? Here’s a look at how rain barrels work, and the potential savings.

How Rain Barrels Help You Save Money

Setting up rain barrels allows you to collect and store water from your gutters and roof. While you won’t want to drink it, you can use the collected water in your garden, or to wash your car or exterior home surfaces.

Karen van der Hoop and her husband live in Richmond, British Columbia. They’ve been using rain barrels since signing up for the City of Richmond Rain Barrel Program in 2011 and buying one barrel for $20. (Full disclosure: She’s the mother of The Penny Hoarder’s senior editor.)

“We use the water to fill watering cans and hand water tomato and bean plants, rhubarb and zucchini, as well as new plantings,” she said.

“We also connect a hose to [another barrel] to slowly water a dogwood tree.”

She also volunteered to join her city’s water meter installation program. Since her city’s standard water rate is based on a four-person household, van der Hoop and her husband “were sure we would pay less than the flat rate.”

The programs paid off.

“We saw a reduction in our water meter charges, and loved that we were using a natural resource wisely,” van der Hoop said.

How Much Can You Save Using Rain Barrels?

Rain barrels are a great way to conserve water and obtain free water for your plants, but how much money can you save with them?

A lot.

Over the past five years, van der Hoop has saved the equivalent of $2,037.83 using her rain barrels.

Every year, she saved hundreds of dollars over the flat rate for water. In 2011, she saved 485.31 Canadian dollars (about US$366.37), and that success inspired her to buy a second rain barrel and connect the two, later adding a third and fourth.

In 2012, she saved a whopping CA$677.39 (about US$511.37). In 2013 and 2014, she saved CA$599.35 (about US$452.22) and CA$532.38 (about US$401.69), respectively.

While she didn’t have final numbers for 2015 yet, by October 2015, van der Hoop had already saved CA$444.73 (about US$306.18).

Could Rain Barrels Work for You?

Richmond is a suburb of famously rainy Vancouver, which receives an annual average of 46 inches of precipitation.

But you might be surprised how much rain and snow your city receives every year.

New York City receives more than 44 inches of precipitation per year, while Chicago gets more than 33 inches and Washington, D.C. sees about 39 inches.

“Just 1/4 inch of rainfall on a typical roof will fill a rain barrel,” reports the Massachusetts Office of Energy and Environmental Affairs.

“A modest amount of rainfall can supply much or all of your outdoor watering needs — a full rain barrel will water a 200-square-foot garden.”

The cost of water varies by region and usage, but the average cost of water in the U.S. is $2 per 1,000 gallons, according to the EPA.

Save Even More With Rebates From Your City or State

Check with your local water district to see if you’re eligible for a rainwater harvesting rebate. Many municipalities even offer financial incentives for participating in these programs.

In San Diego, you can receive up to $400 in rebates for using rain barrels on your property and the Metropolitan Water District of Southern California offers $75 rebates.

City of Los Angeles residents can receive $100 rebates for using water barrels.

Those living in Albuquerque earn Rainwater Harvesting rebates based on the amount of rain they can store. Residents receive $25 for 50 to 149 gallons and up to $150 for barrels that can hold 1,500 gallons or more.

Where to Get a Rain Barrel

Some cities offer rain barrels at reduced prices, so the first step is to check with yours.

You can also find them at Walmart and hardware stores starting around $70, or get out your tools and build your own rain barrel.

But before you get too excited about installing your rain barrels, be sure to check local rules and regulations — water catchment is illegal in some areas.

Your Turn: Have you used a rain barrel? How much money did it help you save?

Kristen Pope is a freelance writer and editor in Jackson Hole, Wyoming.

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Parliament takes hard line on women’s state pension age increases

Requests to provide transitional state pension arrangements for women born in the 1950s are rejected.

On Monday afternoon (1 February), a debate on the state pension age changes and transitional arrangements for women born in the 1950s took place in an unusually packed Westminster Hall committee room.

Women who were born in the 1950s have faced repeated increases to their state pension age.

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Thousands of retirees enter 'drawdown captivity' as market falls hit pensions

In the first six months following the introduction of pension freedoms in April 2015, over 43,000 drawdown plans have been sold, according to a report from retirement specialist Retirement Advantage.

In the first six months following the introduction of pension freedoms in April 2015, over 43,000 drawdown plans have been sold, according to a report from retirement specialist Retirement Advantage.

But the company estimates that the current market volatility could have wiped 8% off the value of a typical drawdown fund since April 2015.

Retirees enter 'drawdown captivity' as pensions suffer market falls
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In the first six months following the introduction of pension freedoms in April 2015, over 43,000 drawdown plans have been sold, according to a report from retirement specialist Retirement Advantage. But the company estimates that the current market volatility could have wiped 8% off the value of a typical drawdown fund since April 2015. Income drawdown plans aim to give people more flexibility with their pensions. Each time money is moved into drawdown, up to 25% can be taken as a tax-free lump sum. The remainder stays invested and taxable income can be drawn directly from the pension. However, drawdown income is not secure: it could run out, if you take out too much, if you live longer than expected or if your investments do not perform as you had hoped. Wait for markets to recover In the current economic climate, many people could be much better off waiting for markets and pension values to recover before taking an income from their fund, says Retirement Advantage. It points out that a retiree who took out an income drawdown plan at the start of April 2015, for example, would have done so when the FTSE 100 stood at 6961 (7 April 2015). The FTSE 100 closed on 28 January 2016 at 5931 points, down 15%. But most drawdown customers will be in a mixed portfolio of equities, bonds and cash, which could have fared slightly better with a drop of 8% before charges. The report highlights the danger of market falls for someone who has just retired and has to continue drawing an income from their shrinking portfolio. For example, a £100,000 drawdown plan invested in a mixed portfolio of assets (after withdrawing an income of £5,571 which matched the annuity rate available at the time), would now be worth £86,522, or 13.5% less than nine months ago. 'This won't be a great start to your retirement,' says Andrew Tully, pensions technical director at Retirement Advantage. 'Losing around a tenth of your pot in 10 months will leave many people feeling queasy about the future. 'It is easy to say don't panic, but you might well be spooked if you are relying on drawdown to generate an income, as you will probably need to sell units in a falling market.' This, he says, may push people who do not want to crystallise losses but are short of alternatives for paying the bills into a period of 'drawdown captivity'. The old days of using either an annuity or a drawdown plan are over, says Tully. 'If you want to sleep easy at night, then a blend of both products may be best. 'You can secure a guaranteed income to pay the bills, and this allows you to adopt a longer-term strategy for the growth element, giving flexibility to ride out stock market storms.'

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