Wow! This is great! PikaBucks finally gets a Page Rank 1! I know it's not the best rank and I have a long way to go but this is definitely a great start. Thanks to those who keep visiting!
Wednesday, October 29, 2008
What's the first thing that comes to mind when pay day is near? Most people don't think 'save first'. We think of what our expenditures are and then we check our savings. This is still good considering that savings is still on the list. What's bad is that most of the time whatever is on the end of the list gets kicked out of it.
When I tried a pay day loan once, I was deducted $50 every payday. I figured, if I save that amount, I will have $100 a month and $1200 by the end of the year. The only reason why I am now capable of setting aside the $50 is because I am obliged to do so as supposed to just setting aside the same amount for savings and having a spending relapse the next day.
Which is why we all have to have a new perspective of savings. According to Yahoo! Finance:
1. Put savings (and yourself) first with the budget. A budget allows you to understand where the money goes and may help you free up cash for important savings goals, such as college and retirement.
2. Get Started. How you create your budget is up to you.
3. Less Spending means More Savings. Begin by canceling magazine subscriptions to titles you don't read. Eat fewer meals out, or choose less expensive restaurants. Across much of the country, you can rent two DVDs for the price of a single adult ticket to a movie and throw in some microwave popcorn for a dollar more.
4. Dig Deeper. Once you've reduced discretionary spending, look at those Other Committed Expenses. Can you reduce the grocery bill with coupons or more economical meals? How about taking public transportation instead of cabs?
5. Your Next Goal: MORE Savings. It might also help to set a savings goal, both for short- and long-term needs. Studies have revealed that families with savings goals tend to save more.
When I tried a pay day loan once, I was deducted $50 every payday. I figured, if I save that amount, I will have $100 a month and $1200 by the end of the year. The only reason why I am now capable of setting aside the $50 is because I am obliged to do so as supposed to just setting aside the same amount for savings and having a spending relapse the next day.
Which is why we all have to have a new perspective of savings. According to Yahoo! Finance:
1. Put savings (and yourself) first with the budget. A budget allows you to understand where the money goes and may help you free up cash for important savings goals, such as college and retirement.
2. Get Started. How you create your budget is up to you.
The first element of any budget is your income, or how much money you receive each month. This can include paychecks, legal settlements, alimony, royalties, fees, and dividends from investments that you do not reinvest. Once you know what your monthly income is, you can use a budget to make sure you don't spend more than you earn, thus helping to reduce debt and freeing up cash for savings.
Next, you need to know how you spend your money. Start by tracking your spending for a month. Gather bills and receipts, and don't forget to include newspapers from the corner store and trips to the soda machine. Don't assume any expense is too small to record.
Write down your expenses and break them into categories. Using the budget worksheet as an example, we find Fixed Committed Expenses -- mortgage, loan, and insurance payments that stay the same from month to month; Other Committed Expenses -- things you can't live without, like food, utilities, and clothing; and Discretionary Expenses -- things you like but don't necessarily need.3. Less Spending means More Savings. Begin by canceling magazine subscriptions to titles you don't read. Eat fewer meals out, or choose less expensive restaurants. Across much of the country, you can rent two DVDs for the price of a single adult ticket to a movie and throw in some microwave popcorn for a dollar more.
4. Dig Deeper. Once you've reduced discretionary spending, look at those Other Committed Expenses. Can you reduce the grocery bill with coupons or more economical meals? How about taking public transportation instead of cabs?
5. Your Next Goal: MORE Savings. It might also help to set a savings goal, both for short- and long-term needs. Studies have revealed that families with savings goals tend to save more.
Monday, October 27, 2008
Here's a new way to fill up your site with relevant ads while you earn. Pepperjam Network is probably the biggest network of affiliates online today. Each affiliate offers different ways for us bloggers to earn. For example, you can earn by commission when a client buys through your blog.
Best of all, if you sign up through the link above, you will get a $10 bonus. Quit the boring ads now. You don't earn from them anyway. Haha! Switch to the most extensive affiliate program today!
Best of all, if you sign up through the link above, you will get a $10 bonus. Quit the boring ads now. You don't earn from them anyway. Haha! Switch to the most extensive affiliate program today!
Boy, I am loving PayPerPost so much right now. First, I am getting more opportunities than before (special thanks to the fast connection through Smart Bro Wireless). And most importantly, they will soon be awarding me for referring people to their site. Isn't that amazing!
I have definitely become a 
!!!
Sign up now!
Sign up now!
Wednesday, October 22, 2008
I've heard of getting paid by posting some comments and earning by socializing online. A few months ago, I found a program that lets you earn by simply sharing a picture on your blog! It works just like PhotoBucket or Flickr but way cooler because every time a person views the picture, you earn.
ShareaPic lets you share pictures and earn for views.The pay is smaller though and you may need to have more people clicking to enlarge your photos but it's definitely worth to try. I'll see if this works for me.
If you're interested, you can sign up here.
ShareaPic lets you share pictures and earn for views.The pay is smaller though and you may need to have more people clicking to enlarge your photos but it's definitely worth to try. I'll see if this works for me.
If you're interested, you can sign up here.
I've been seeing a lot of bloggers complain about Google Adsense kicking them out. That's sad. Adsense is a good revenue source for most bloggers. However, they have strict rules you should follow. Like not inserting the ads anywhere near other programs.
Good thing is that you have other alternatives for Adsense like WidgetBucks! They have super cool widgets - it's not just the banner ad you see above. They really do have cooler widgets. You get to pick the design and the ads that will be displayed on them. Pick the ones for your target audience.
They currently have a $25 sign-up bonus. Don't hesitate and sign up here now!
Good thing is that you have other alternatives for Adsense like WidgetBucks! They have super cool widgets - it's not just the banner ad you see above. They really do have cooler widgets. You get to pick the design and the ads that will be displayed on them. Pick the ones for your target audience.
They currently have a $25 sign-up bonus. Don't hesitate and sign up here now!
Wow, I am taking some serious lessons from Yahoo! Finance. I'm currently taking a break from my blogging 'business' and will focus more on finances and budgeting since it's one of the major concerns we have today. According to an article on the site, here are the top ten reasons why you are not going anywhere with your finances. I admit I am guilty about some of these. Let's have a look at some of the reasons I picked:
1. You care what your car looks like. While I don't own a car [yet], I can safely say this is a valid reason. Some people spend thousands just to pimp their ride.
2. You feel entitlement. Some people think that you deserve all the nice things in the world even if you cannot afford them. So the only way to get them is to collect debt.
3. You started too late. Some people are excited about a huge paycheck that they forget to save up. It's better to start early than be sorry.
4. You buy what you don't use. Some people like to show off and some are just addicted to spending. People should try to go to the gym or learn a new hobby to stop this disease.
5. You don't understand value. Sometimes, shopping on the 10% off aisle can be an eye-opener.
1. You care what your car looks like. While I don't own a car [yet], I can safely say this is a valid reason. Some people spend thousands just to pimp their ride.
2. You feel entitlement. Some people think that you deserve all the nice things in the world even if you cannot afford them. So the only way to get them is to collect debt.
3. You started too late. Some people are excited about a huge paycheck that they forget to save up. It's better to start early than be sorry.
4. You buy what you don't use. Some people like to show off and some are just addicted to spending. People should try to go to the gym or learn a new hobby to stop this disease.
5. You don't understand value. Sometimes, shopping on the 10% off aisle can be an eye-opener.
Debt Advisory Centre
www.trapped.co.uk |
Tuesday, October 14, 2008
There's been a lot going on in the financial district lately. Companies are being bought and banks are being merged. Wachovia was bought by Citigroup. Times like these, you'd ask, where is the best place to keep my money?
The answer may be an easy chest in the attic. But it seems that bank deposits are still safe as long as you play your cards right. For example, in the US and same in the Philippines, bank deposits are insured to a certain amount by the Depository Insurance Company. Just don't go over that limit and you should be safe.
According to Yahoo! Finance:
Even though one prominent money fund just broke the buck, Uncle Sam has recently stepped to shore up confidence in these popular cash vehicles. On Sept. 19, the Treasury Department put in placea new guarantee for money funds - essentially a type of FDIC insurance - promising that investors will get $1 back for every $1 invested, with no dollar limit.
The so-called Temporary Guarantee Program will last only three months but can be extended into 2009 if needed. Because it only applies to cash that was in money funds as of Sept. 19 - and since not all money funds will choose to sign up - you still have to do to some homework to stay safe.
So call your money funds to see if they intend to purchase this government insurance. Also, stick with financial firms such as Vanguard, Fidelity and American Funds that have the financial resources to preserve the $1 share value in their funds.
And don't "stretch" for yield. The average yield for taxable money funds is 1.9%. If you see one whose yield is much higher, that could be a sign that it's taking too many risks.
The answer may be an easy chest in the attic. But it seems that bank deposits are still safe as long as you play your cards right. For example, in the US and same in the Philippines, bank deposits are insured to a certain amount by the Depository Insurance Company. Just don't go over that limit and you should be safe.
According to Yahoo! Finance:
Even though one prominent money fund just broke the buck, Uncle Sam has recently stepped to shore up confidence in these popular cash vehicles. On Sept. 19, the Treasury Department put in placea new guarantee for money funds - essentially a type of FDIC insurance - promising that investors will get $1 back for every $1 invested, with no dollar limit.
The so-called Temporary Guarantee Program will last only three months but can be extended into 2009 if needed. Because it only applies to cash that was in money funds as of Sept. 19 - and since not all money funds will choose to sign up - you still have to do to some homework to stay safe.
So call your money funds to see if they intend to purchase this government insurance. Also, stick with financial firms such as Vanguard, Fidelity and American Funds that have the financial resources to preserve the $1 share value in their funds.
And don't "stretch" for yield. The average yield for taxable money funds is 1.9%. If you see one whose yield is much higher, that could be a sign that it's taking too many risks.
Debt Management
www.trapped.co.uk |
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