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Making Money

How to Look After Your Family after a Business Setback

Eight out of every 10 entrepreneurs who start a business fail within the first 18 months, according to Bloomberg, yet statistics also show that many successful business founders have faced failure many times before enjoying the fruits of their hard work. Walt Disney, Henry Ford, and even comic genius Stan Lee who bounced back from bankruptcy are just a few visionaries to have made it through tough financial times, never losing sight of their goal. If you are undergoing financial difficulties and you have a family to support, follow these tips to ease the load on your household.

Tying Loose Ends

There are certain signs thatsuggest it might be time to file for bankruptcy if you have a business that is struggling. These include being pursued by creditors, being behind on essential payments like your mortgage or rent, having spent your savings, or using loans to pay off bills. Bankruptcy can be a psychological blow but you can turn this around by viewing it as a chance to put your finances in order and reduce the stress caused by creditor pressure. It is important to file at the right time to prevent further loss. Bankruptcy provides for the reduction or elimination of certain debts, and can provide a timeline for the repayment of non-dischargeable debts. It also permits individuals and organizations to repay secured debts with more favorable terms to the borrower. Filing early can help you and your family hold on to your home and meet your day-to-day living expenses instead of struggling to pay a myriad of debts at once.

Learning from Your Mistakes

Entrepreneurial journalist Eric T Wagner of Forbes takes a realistic look at business failure, arguing that there is a reason why so many businesses go down the pipeline. His advice is food for thought for those considering starting a new business or to move their current business in a new direction. Wagner states that failure often stems from failing to keep in touch with clients through deep dialogue. It is important to really listen to clients to identify demands and target areas of business that need change. Other mistakes include failing to find a market niche, and failing to identify a business model that works. Seek help from an advisor if needs be; consider it an important investment in the future of your business.

The Importance of Staying Positive

Kids can absorb their parents’ stress, and are very cluey to how parents are feeling even when they aren’t told precisely what is going wrong. Older children will be mature enough to understand that you may be undergoing tough times, but that it is temporary. Let them know that you may need to cut corners but that you are working towards a solution. This will teach them the importance of continuing to move forward even in the face of setbacks.

Having Fun Together as a Family

Show your children that in the toughest of times, you are there to lean on each other. Continue to enjoy leisure time together and if possible, enjoy sporty adventures in the Great Outdoors. Nature has a proven stress busting effect, while outdoor sports have a wonderful ability to keep your mind ‘in the present moment’, allowing you to forget about worries for a while. If you are used to taking a trip abroad, opt for camping instead. You may be surprised at how much fun you have in the midst of something that is priceless: the beauty of nature.

If you are undergoing tough financial times and you need to file for bankruptcy, understand that you are just one of many business to go through the process before going on to achieve success. Analyze where you could have gone wrong and try to take steps to improve it, ideally with the help of a mentor who can point out new directions for your business to take. Finally, be honest and communicative with your children, letting them know that times will get better because you are taking steps to make a change. Finally, continue to enjoy life, remembering that you have an invaluable source of support: your family.

Making Money

Balancing your Family and Business Time when you Work from Home

Working from home is the dream, but it can be very easy to get side-tracked. With a little planning and some firmly set rules in place, you’ll find you can have a healthy balance between working and family life. You can do this without always being on work mode or without constantly breaking work mode to play.

Some things to consider are;

  • Where you’re working
  • The hours you’re working
  • Your daily routine
  • Things to be interrupted for


Have some hard rules about when it’s okay to interrupt you. Are you bleeding? Is the house burning down? They don’t have to be that extreme but when you work from your house, they are going to be tempted to come and bother you unless you tell them not to. The same goes for people you work with remotely. Let them know when your work hours are and stick to them. Don’t take their calls when you’re having family time and make sure they understand that’s what will happen. Letting your co-workers and family know your daily routine and sticking to it will make things a lot easier.

Working from Home Efficiently

In an article on Business News Daily there are some great self-employment tips about managing your time. The first is to have a place in your home that’s only for work. Make sure you are going to that space and only doing work there. You can make a whole room your office or you can set up a desk in the living room as long as you keep others in your home out. The best thing to do is find a room without distractions such as the TV. If you’re in the room with it, you might be tempted.

Take Time for You

Another good tip is to take breaks. It’s easy to get sucked into working at home for long periods. Leave the work-space for lunch and go on an afternoon walk. This is what you’d do if you worked out of the home, so make sure to give yourself the break. In an article on the Entrepreneur website, Lisa Kanarek talks about how important it is to take the time you need. Quit working when you need to, don’t spend days staying late because you want to just get one more thing done and it’s a short walk to the kitchen. Be firm with your hours. Go out with your significant other and kids, mark it on your calendar. Take off a day during the week at least once a month. Remember, you’re your own boss, you can do that.

Keep self-care in mind when working from home. It can get very easy to become a workaholic because you always feel like you can just pop into the office. Working at home gives you the unique opportunity to spend time with your family so it’s important that you take it when you can. Same as if you worked in an office and left every day, the work will be there when you get back tomorrow.

Making Money

Making Your Home Work For You: Handy Ways Your Home Could Be Earning An Income

The bills and mortgage tag attached to owning your own home can be a hefty one. For those of you that are homeowners, no one knows better than you the significant investment you have plugged into your house. With rising house prices and climbing inflation, we can reasonably assume that those costs will continue to rise. In America, the average cost of maintaining a home can ring in at $1,204 a month. As you try to budget your family’s finances, thought turns to whether you are getting the most out of your home. Considering its value, is your home giving the best return it can? Interestingly, your home can be earning a little bit of extra income just like a side hustle. I am not referring to price appreciation either. Here’s a few ways your home can begin to generate returns.

Become A Host

Becoming a host for a foreign student has more than one advantage. If you and your family are open to the idea, you can earn income for having a student live with you for a few months while learning about different cultures at the same time. Renting out your spare room to a student visiting the United States of America to study ( and possibly learn English) can see your home earn $200 and above each month. In 2017, the number of international students in America topped 1.18 million. If you do decide to become a host family, you would have to formally apply and submit to interviews by schools in the district. On the plus side, you get to choose when to host students, However, the amount earned will be dependent on the amenities offered and other factors including location to the school district.

Equity Options

You can also explore ways of utilizing the equity you have built up on your home. A common and more recent one especially for senior homeowners, looking to finance their retirement funds is the use of an equity release. Surprisingly, 47 percent of Americans have a retirement income backup plan, according to a survey done by AARP. When using an equity release, you can retain the use of your home but also still receive a stream of income based on your home’s value. Reverse mortgages allow for seniors to borrow against their home’s value and the loan is then settled upon their passing. In most cases, this means the home is then sold to recover the value of the loan. However, the option also exists of repaying the loan early should your financial situation change and you wish to.

Make Money From Those Spare Space

For those of us that may have an unused room or even closet space, you can be looking at an a great option for generating income from your home. More recently, in the more populated cities you can also rent that extra space in your driveway.  Online parking communities are now available for homeowners to let their vacant parking spaces without any inconvenience on your part. Similar rental platforms exist for spare storage spaces you may have at home including your garage if it is not being used.

Of course you can also rent out your spare bedroom to an individual or even an office space. When considering this option, be sure you and your family are comfortable with having someone else in your home. Minor adjustments may also be needed to be made to your layout to allow for some separation in some cases.

Finally, consider minor tweaks to your financing such as refinancing. Getting a better rate can be simple and save up hundreds each year in mortgage payments (interest charges). There are many great ways to use your home to earn an income. It is important that you find the best fit for you and your family. Any one of these options can help you begin earning today.

Making Money

Take the Sting Out of Your Family Finances

Fifty-seven percent of American households don’t follow a budget according to a study by Harris interactive so if you’re one of those families then it could one of the reasons for bad financial management. There are many ways to take control of your family finances and help teach your kids about money at the same time. If your family is in need of reorganizing funds, it doesn’t mean it’s the end of the world, so here’s some tips to help with you family finances.

family finances

Stay positive

With so many of us having cash flow problems it’s all too easy to become anxious about where the money for the next bill is going to come from. While it’s often difficult to stop worrying about financial issues, being positive and finding solutions to your problems will go a long way to improving the situation. Although a bad credit rating cannot be fixed overnight, it’s important to remember that it is possible to improve your credit rating over a period of time but only if you’re motivated and take control. Try and stay focused on making the most of what you do have and see how your mood is lifted by the benefits of taking care of any money worries.

Be realistic

If you haven’t yet made a monthly or weekly budget then it’s about time you started! Creating one will help you determine where your money is going and what ways you can be more frugal with it. You can draw up a budget step by step and include all your family so that everyone is made aware of their spendings, and the potential ways they can save money throughout the month. Just remember not to set hugely ambitious financial goals that no one can keep to but rather start by making small differences and if it’s a success, build up to larger savings. By being more realistic, you’ll all have better control over your spending and the budget won’t be abandoned at the first hurdle.

Whether you want to save for something special, need to improve your credit score or are simply saving for a rainy day, try and keep everything in perspective and don’t overwhelm yourself or your family. Being anxious and stressed about family finances is not going to be productive to saving any money but taking a more positive approach will ensure that you’ll all enjoy life a lot more.

Making Money

Paid Survey Guide 2017 – How to make some extra money by taking paid surveys online

One of my favorite ways of earning some extra bucks is by doing paid surveys online. It’s so simple and easy. If you didn’t try it yet, what are you waiting for?

Paid Survey Guide 2017

So, what exactly is a paid survey? Simply put, a paid surveys are a questionnaires conducted online by certain companies to assist them with their marketing research. Survey panel companies usually act on behalf of big corporations looking to survey people whose opinions may help them provide better service, develop a new product, or improve an existing one.

Manufacturing companies, retail stores, chain stores, and restaurants among others, are all businesses that pay a lot of money just to know what consumers are thinking. They all want to know about your shopping habits, why you are keen to buy certain products, and not so eager to purchase others.

How To Earn Money By Doing Online Surveys

Are paid surveys a legitimate way to make money?

Yes indeed, paid surveys are a legitimate way to make money, but not all the survey panel companies are reputable or reliable.

Do some research and only register with a company which is proven to be reputable, reliable, and entirely legitimate. There are many survey review sites that give feedback from users of various survey panels, which you can use as a guide when choosing where to register, or sign up.

You basically need a PC, laptop, or a digital device such as a smartphone, as many survey companies now have mobile apps which allow you to complete surveys on your phone.

You should also check their reputation at BBB.

Paid survey guide 2017

How to register for online paid survey sites

You can register for as many sites as you want to. All reputable sites have no sign-up fees, and if you come across a site asking for a sign-up fee, do not consider registering with them. A reputable company will not ask you to pay them – they want to pay YOU!

Once you have selected which sites you want to register with, the sign-up process is pretty simple. Every survey site has an application form on their website that you must complete as fully as possible, and send back to them for registration. After that you are good to go, and can look forward to receiving your first survey offer – and making some cash!


How much money can I make?

You will not get rich, but paid surveys are a great way to make extra cash of at least $100 to $300 each month. There is a wide variety of people who join paid surveys, including those who want to supplement their income, students who do not have time for full-time work, retired folk, or moms who want to work from home.  

To make money you should register with as many legitimate paid surveys companies as possible to get onto the panels and begin to receive invitations, and start participating. Some surveys may require qualification criteria such as age, sex, interests etc, and you may not qualify for all the invites you receive. Don’t let this put you off, just move on the next one. The chances are excellent that you will qualify for most of the surveys you receive.

Survey panel sites mostly reward your efforts by means of gift cards which can be used at many stores, points which can be redeemed, or cash via Paypal. You can opt to collect your rewards in the way that will be most convenient for you.


Some tips how to make additional money doing surveys.

Once you have built up a good reputation with the survey panels sites by correctly completing survey offers you receive, you will be in line to get offers for work that pays much higher rates that the normal surveys. These include invites to join focus groups, and do mystery shopping assignments. Here is what they are all about:

  • Mystery shopping is one of the tools used externally by companies in their market research activities. Usually the identity and intent of the mystery shopper is not revealed to the chosen establishment. The shopper may be required to buy products, ask questions about products, assess the service provided, and maybe even register a complaint. A detailed feedback report of experiences must then be submitted. Expenses which may have been incurred are normally refunded with the payment for the survey fee.
  • A focus group is a group opinion panel which is useful to obtain group feelings and opinions about products and services of companies and businesses. This can be done in person if there is a focus group facility in your area, or in an online focus group, or also via a smart phone or tablet. Focus groups are by invitation only, and you could earn upwards of $50 per hour. The more surveys you complete, the better your chances are of getting invites to join focus groups.

Some final thoughts in this paid survey guide 2017.

There has been a lot of positive talk about what an excellent opportunity it is to make some extra cash doing paid surveys. Remember to avoid registering with companies who want to charge a fee, be it for ordinary surveys, focus groups, or secret shopping.

The key to success is to do the research, and sign up with as many reputable companies as you can.

People from all walks of life are signing up, but overall it is for anyone who wants to make cash doing something in their own time.

Making Money

How to Grow Your Mommy Instagram Account like a True Pro

A larger Mommy Instagram following provides a huge amount of potential for you and your business. So, how do you grow your followers? Well, these tips are here to help.

How to Grow Your Mommy Instagram Account like a True Pro

mommy instagram account

Start Posting More Interesting Pictures

If you browse through some of the most popular Instagram accounts, you will see that they post more than once a day. They keep their followers happy with a consistent stream of unique imagery. When there are special events in their lives, they will fill their account up with up to ten pictures for the day. If the content is interesting and unique, you will not annoy your followers. You may be thinking thought that posting so many pictures could harm or even have the account banned. There is no need to worry about such rubbish.

Consider for a moment that the average Instagram user is only active for about 20 minutes a day, how would they be able to see relevant images? Instagram manages the order of pictures that is shown in a feed. The two factors that dictate this feed are engagement and relevance. There is no need to worry about timing your posts just right to get the most engagement nor can you ever overshare. Due to internet myths and urban legends, far too many Instagram users are still stuck on this one picture a day rule. Trust us, start posting three pictures a day and see what happens!

Joining Forces With Other Bloggers

Many bloggers feel that in order to be successful they need to take the lone wolf direction. However, working with other bloggers in similar niches on Instagram can really work in your favor. Take the time to work with one another to create something truly special for all of your followers.

Using The Instagram Explore Page

The Instagram Explore page has been reborn with a new personalized appeal featuring adopted recommendations. This simply means that there are no two Instagram Explore pages that look exactly alike. A simple search online will give you plenty of tutorials and methods of how you can appear on someone’s explore page. However, all of those methods are now outdated and you will be simply spinning your wheels with the newly personalized explore page. However, you can use your own page for a shot of creativity!

Find Your Voice With Instagram Videos

Over the past six months, Instagram has reported an incredible 150% increase in time that users have spent watching videos. With that kind of increase, you know it is time to start posting more video! Videos can be up to 60 seconds and there are plenty of sources to find new inspiration.

Using Instagram Stories

If you are looking for a great way to grow, look no further than Instagram stories. These are growing in popularity daily and can bring a new surge in followers to your account.

The Importance Of Hashtags

You already know the importance of hashtags, so never be vague when using them. Instead of using a tag like “dog” try something more specific like “AKC Golden Retriever” The more specific you are able to get your hashtags, the more traffic and exposure you will get. Instagram hosts a weekly hashtag project, use this for a source of creativity and inspiration, you will also have the chance to get featured on the local Instagram account.

Likes And Engagement

Instagram is known as a social network. Considering it is social, it thrives on interaction. In order to grow and find an audience, you have to be visible through liking posts and making engaging comments. Instagram is not a network where you can post and forget or use some form of automated posting software. You have to be willing to interact with other users to see any form of growth unless you happen to be an A-list celebrity!