Christmas How to Get Your Money Back on Track and Alleviate Money Stresses!
In today's world we know that tremendous personal, relationship and business stress can be related back to money stresses. We also know that
Christmas can be a time where added money stresses can be a real problem for many families. However, with these 6 great money tips put into practice you can start to alleviate money stress and move towards a healthier and happier financial position and a happier life generally!
Tip 1. - Develop a money' awareness. You need to focus on the money that comes into your life and that flows out of your life. This means writing down and tracking every single cent that you spend. Get a note pad and for 2 weeks write down the date, time, what you spent, what you spent it on, why you spent it, how you felt once you spent it, whether you need it plus write what money came in and what you put into a savings account.
Tip 2. Develop a savings plan. You need a savings plan. Preferably have an amount automatically debited from your account to a specially set up savings account each pay day. The idea is to save a minimum of 10% of what comes in. Open a savings account where you need 24 hours before they will allow you to withdraw from it. This will help you to stay on track. The idea is to use this money for investments such as purchasing shares or for a deposit for a property. You will be amazed at how you will not miss this money and you will learn how to budget on the rest of your money. Read "The Richest Man in Babylon" which is a timeless classic about money skills. It has changed countless lives! You can even read this little book to your children and they too will learn an abundance of life lessons.
Tip 3. Learn how to budget. This may sound simple yet it is profound. Learning how to budget and tricks to keep you on track with your budget can literally change your life for the better on many fronts. This is a learnt skill. A good idea is to find someone who can mentor you with a budget. Find someone who you feel comfortable to share your financial situation with and who is skillful with money. Don't learn from someone who is not financially abundant. Learn from someone who is successful and can show you what not to do as well as what to do. I highly recommend you book in a session with a good accountant who can help you plan a start-up budget, help you monitor and assess as you go. Having someone to be accountable to will help you in the early days to keep on track.
Tip 4 Develop a positive attitude towards money. You have heard this saying money doesn't grow on trees' or money is the root of all evil'. Well it's time to change the negative self talk. It does not serve you. This type of thinking will hold you back and sabotage you. You need to focus on the positive aspects of money such as money supports' a happy, healthy life. You need to prevent self sabotage so you will not go off on a tangent and spend your money and not stick to a budget. I highly recommend that you get yourself a copy of Michele Blood's Success' cd from www.musivation.com and play it in your car, when going for a walk or have it on in the background at home. Michele has put positive words to music. Her music will help to change your self sabotage by helping to change your thoughts to more positive supportive ones. She has a money' song that you'll want to play every day and reap the benefits! Her music goes straight into your subconscious and that is the area of your mind you need to effect. So do yourself a favor and buy yourself her cd as a
Christmas present for yourself and start developing a positive money mindset today!
Tip 5. addressing your fear of money remember that money is really nothing more than energy that you can harness or let it run by you. Do you ignore your money? You do this by not knowing where it goes and thus you loose its power. Often when we have been ignoring our money we end up in a mind-set of thinking of and being fearful of not having enough money. Once you start to pay attention to your money your fears will start to drop off. You will know where it comes from and where it goes. Then you learn how you can leverage it. You will, once you learn the skills and put them into practice, find that you have more money than you thought possible. Your fears are coming from a lack of knowledge and understanding of how to harness the energy of money. This is a skill you can learn. Researchers today tell us that it is crucial to avoid being fearful about any lack of money because what we focus on builds stronger neural circuits in your brain. What you focus on expands. You don't want more stress built up because of a focus on the fear of money. Remember that fear stands for false evidence appearing real'. So focus on learning how to harness the energy of money and your fears will drop away.
Tip 6 Develop an investment strategy. This is a skill that needs to be learnt. You can go to a local college or find a group who can teach you. Find a strategy that you like then focus on learning everything you can about that one strategy. You will build confidence and know how to develop a good investment strategy in that area for your future. Don't think that handing over your hard earned money to someone else to invest it for you is the answer. You need to know the basics at the very least so you can make an informed decision. Again knowledge will give you confidence to make supportive decisions for the growth of your investments.
Start putting the above tips into practice and you will find that your world will start to change. It takes courage and commitment to make positive changes in your life. You can do it. Make a decision today to start. Find people who can support you and guide you and your future days and future festive days will be less stressful and merrier!
Bernadette Dimitrov
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Are You Ready To Show Your Crafts at Trade Shows?
If you make your living by selling hand-made crafts, you've undoubtedly spent many hours at local and regional craft shows. As you already know, finding the right shows, getting accepted, and creating the display takes a great deal of creativity and time, but a good show makes the trouble well worth the effort.
Another possible way to sell your crafts, through gift shows, is often overlooked by people who sell hand-crafted products, even though these shows can be quite profitable. Trade shows are attended by shop owners on the lookout for new and innovative gift items to add to their inventory, and a good show in a large market can bring in enough orders to keep you busy for weeks. Of course, items ordered at the show will be sold at wholesale prices, and the shop owners will expect delivery of the items in a reasonable amount of time.
When I sold my collectors' dolls through gift shows, the high volume of orders actually became a problem for me, because it was difficult to keep up with the production on my own. If I were still selling the dolls, I would 'fix' this problem simply by increasing the price enough to slow down the number of orders, without (hopefully), bringing the orders to a stop.
Since many craftspersons are most comfortable selling directly to their customers, taking the step to wholesale orders through trade shows can require a few adjustments in your business model. There will also be some fairly important decisions to be made before committing to a show. The first important decision will be whether or not you want to set up your own trade show display, or if you will sell through an independent sales representative.
Setting up a booth at a trade show is a bit different from the craft shows you may be used to. Application and space fees are likely to be much higher, and regulations about what materials you can use for your display, and what type of advertising is allowed, may vary from one show to the next. There may even be union-required regulations that require you to hire someone to move your display and products from your truck to the sales floor. Working through these regulations will take time, and you should definitely read through the fine print before agreeing to rent a space.
Most companies who sell at these shows will either rent or purchase the booth itself from a local trade show display company, and have the signage created on a custom basis by the same company that provides the booth. Since the cost of these displays can be quite high, most companies just starting out will choose to rent instead of buy the booth. Hand-made display booths may or may not be allowed, depending on the rules of the show and any fire and safety regulations that they need to adhere to.
Probably the easiest way to get started at gift shows is to find a well-qualified independent sales representative who will add your line to the other items he or she already sells. Your sales rep will probably attend many gift shows each year, and a good one can change your small local business to a national business almost overnight. Your sales costs will usually consist of a commission for each order. Although the sales rep probably handles the costs of buying and setting up the booth, she will be acting as an independent contractor and can make her own rules. It is vital that you know in advance what both you and she expect from the experience long before your first show.
When choosing a sales representative, you'll need to keep a number of things in mind so you can find someone who will best serve the needs of your product. For instance, it will be important to know what other products will be displayed alongside yours, since the other products may be the first thing a potential buyer will see. Do the other products complement your own style of crafts? Is the quality as high? Will your products be given a prominent place in the booth?
You should know exactly how much commission will be paid for each order, and when the commission is due - when the order is taken, or when the item is delivered. If you will be charged for any other trade show costs, such as booth fees, you must know this in advance. Since many gift shows take place all over the country (and the world), you should know which shows your products will be sold in.
You'll also need to know if seasonal designs will be expected - even if you don't normally create
Christmas-oriented crafts in July, the visitors to the gift show may be ready to write orders for their
Christmas stock. Your sales representative should help you put together a display that meets the needs of the particular gift show.
Both you and your sales rep will need to know how long each order will take you to complete - there can be nothing worse for a professional sales rep than having a good show and taking orders for 200 items, when the producer can deliver only half of the orders on time. Many companies have gone out of business by becoming too popular - be sure you set a limit on the number of orders your sales rep can take at any show, so you don't destroy your reputation by selling more crafts than you can produce on time.
If you're ready to start selling nationally through gift shows, you'll be taking your small business to the next obvious step. Independent sales reps can be found in the local phone book. If you decide to sell your crafts yourself, you can find schedules of upcoming trade shows online.
Jonni Good
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Photo Handbag: Giving Your Wife The Best Gift For Any Occasion
Try to imagine that you suddenly remembered that your wedding anniversary is next week and you forgot about getting your
wife a gift while you're busy at the office. Try to imagine how frustrating it can be for you and how disappointed she may be if she discovers that you didn't buy her anything for your special day.
When you think about it, it's really not a pretty sight to see. So, if you forgot about buying her a gift, you would then need to buy her a gift immediately. However, you know how confusing and how frustrating it can be with just thinking about what gift you should give her. Surely you don't want to buy her the latest gaming console available in the market that you have been really wanting as a gift.
You want to buy her something that she will treasure for a long time and at the same time, show your creative side. It is important that you should give her something that she can use and one that she can show off to her friends.
Flowers alone just don't cut it. If you want to really impress her, you should try and think about what kind of thing she would really want to use and at the same time, remember you.
An example of a perfect gift idea for your
wife in any occasion is a handbag. Sure, a regular designer handbag can be great, but what if you can personalize it? What "personalize" means is that you can put something on the handbag that she will truly appreciate.
An example of a handbag is called photo handbag. Because of today's advancement in photo printing technology, you can now print pictures anywhere you want. You can print your wedding photo on the sides of the handbag with designs that she will truly appreciate.
You can even put in different photos. You can put in a family photo, or just about anything as long as the quality of the photo is good. All you have to do is look for a photo printing service that offers photo handbag printing service near your area. However, if you don't see any of these services in your area, you can try and look for it in the Internet. Today, there are quite a few websites that offer photo handbags and other printing services.
There are even websites that offer designer handbags with the photo of your choice printed on the sides.
To do this, all you have to do is look for the website of your choice, subscribe in the website, choose a handbag, choose a design pattern, submit the photo and wait for it to be delivered to your home.
There are also available websites that offer photo handbag printing with the preview feature. In this feature, you choose what kind of design pattern you want and where you want the photo placed. With this kind of feature, you can really create a unique photo handbag design that your
wife can truly appreciate.
If you want to make it more special, why not buy her two gifts at once. Buy her that pearl necklace she's been wanting and put it inside the handbag. With this kind of idea, you will surely make your
wife happy.
Always remember that simple gift ideas are better.
Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout
http://www.snaptotes.com and
http://styleends.com.
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