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Will You Add? - The Top 7 Financial Mistakes Couples Need to Know
Have you decided to hit the road in your own recreational vehicle (otherwise known as a RV)? The RV lifestyle is one that appeals to many whether just for a yearly vacation or to live in full time. What about the costs of RVing? With the high price of gas, the investment in a new recreational vehicle may seem daunting for some. In the long run, securing a loan for a new RV will be well worth the trouble. Your first step will be deciding which kind of RV suits
4. Merging finances
Many couples assume they should merge their bank accounts. Take some tim
Most people recoil in fear at the thought of cold calling in order to make sales for their business. But if you spend your time sitting in your office waiting for people to come to you, you're going to have a long wait. If done properly, cold calling can be an effective sales technique for your cleaning business.The following tips won't eliminate your fear of cold calling, but they can help to make it a more positive, successful experience for you.Remember the
1. Acquiring debt
It’s easy to acquire debt as a couple. There’s home improvements, remodeling, new cars, etc. If you’re carrying credit card debt make a commitment to stop using your credit cards. Pay off your debt as soon as you can by determining your monthly payment (make certain it exceeds the minimum monthly payment established by your credit card company). Do an on-line search for “credit card payment calculators”. For each payment amount entered, these calculators will determine how much you will pay in interest and the length of time it will take you to pay off your credit card debt in full (assuming you don’t accumulate any additional debt). Make your credit card payment automatic (by calling your credit card company and requesting an application, or using a bill pay service through your bank).
2. Poor timing
Many couples discuss money issues immediately before bed, just before getting together with friends, in a public area or while under stress. Before you bring up a money issue Ask yourself if this is the best time to have this discussion? Challenge yourself to be with your uncomfortable feelings until there a more appropriate time to talk.
3. Not telling the “financial truth”
Many couples are afraid to be honest with each other, fearing judgment from their partners. Make a commitment first to be honest with yourself about your financial situation. Be willing to look at your spending behaviors, personal beliefs around money and your debt total. After you have been honest with yourself, challenge yourself to share this information with your partner.
4. Merging finances
Many couples assume they should merge their bank accounts. Take some time
A website image should match a company’s quality objectives to build your company's online presence. Does yours? The truth is a poorly designed website can damage a company’s online presence. More so, your website is your online presence. Internet users expect a reputable company to have a high-quality online presence reflected in a quality and professional website. Think about it as an electronic business card or brochure; a first-class website shows that a company is seri
2. Poor timing
Many couples discuss money issues immediately before bed, just before getting together with friends, in a public area or while under stress. Before you bring up a money issue Ask yourself if this is the best time to have this discussion? Challenge yourself to be with your uncomfortable feelings until there a more appropriate time to talk.
3. Not telling the “financial truth”
Many couples are afraid to be honest with each other, fearing judgment from their partners. Make a commitment first to be honest with yourself about your financial situation. Be willing to look at your spending behaviors, personal beliefs around money and your debt total. After you have been honest with yourself, challenge yourself to share this information with your partner.
4. Merging finances
Many couples assume they should merge their bank accounts. Take some tim
Cash flow. To stay in business, you've got to keep a steady stream moving through your company.During a consultation with one of my clients this week, he proudly stated, "Greg, I ran the numbers yesterday. I've got enough business to keep us busy until February." Later the same day, I spoke with a prospect who told me that more than half of his current projects were ending and he needed to "start beating the bushes for more business." If both continue down the same p
2. Poor timing
Many couples discuss money issues immediately before bed, just before getting together with friends, in a public area or while under stress. Before you bring up a money issue Ask yourself if this is the best time to have this discussion? Challenge yourself to be with your uncomfortable feelings until there a more appropriate time to talk.
3. Not telling the “financial truth”
Many couples are afraid to be honest with each other, fearing judgment from their partners. Make a commitment first to be honest with yourself about your financial situation. Be willing to look at your spending behaviors, personal beliefs around money and your debt total. After you have been honest with yourself, challenge yourself to share this information with your partner.
4. Merging finances
Many couples assume they should merge their bank accounts. Take some tim
Does the types of connection that your computer has to the World Wide Web matter when it comes to vulnerability to spyware and Adware dangers? That is one of the questions that is asked often.What is currently happening is that the new DSL 'cable connections are replacing the old 'dial up' Internet connections that used to run on the normal household phone lines. What this means is that with DSL connection, your computer is quite often connected to the World Wide Web
3. Not telling the “financial truth”
Many couples are afraid to be honest with each other, fearing judgment from their partners. Make a commitment first to be honest with yourself about your financial situation. Be willing to look at your spending behaviors, personal beliefs around money and your debt total. After you have been honest with yourself, challenge yourself to share this information with your partner.
4. Merging finances
Many couples assume they should merge their bank accounts. Take some tim
Customers are humans too!And all people deserve to feel appreciated when they do something for another. Sending you business that costs you little to nothing to acquire should trigger a flood of grateful feelings in you – so show it!"Referrals inherently possess 6 powerful characteristics that make it one of your best marketing strategies." Referrals are –High trustLow Sales ResistanceLow Effort
4. Merging finances
Many couples assume they should merge their bank accounts. Take some time to consider what you want to do. You might have your own preferences about how you want to handle your money. You might want a “yours, mine and ours account” Or you may want to combine your finances. Discuss your preferences with your partner. You can always experiment with both approaches.
5. Maintaining the status quo
As individuals and couples we tend to do the same thing we’ve always done and complain when we get the same results. Dan Kennedy, direct marketing guru and consultant to millionaires says the following about predicting personal income. “One year from today’s date, 90% of us will have the exact same amount in our bank account.” Do more than just maintain your current financial situation. Take financial action now!
6. Spending beyond your means
Create a plan to reduce spending and start increasing income. Think of one thing you can do each month to increase your income. Maybe it’s selling something on e-bay, having a garage sale, or cutting back on your expenses.
7. Not having a rainy day account
It’s important to have 3-6 months of savings set aside to cover your expenses in the event that you or your partner are unable to work due to illness or injury. Sit down with your partner and calculate your necessary monthly expenses. The key word here is necessary expenses - these are expenses you must cover each month; mortgage, utilities, car payment. An unnecessary expense would be $200 on dining out. If you were unable to work you would trim any unnecessary expenses from your spending. Start putting a predetermined amount of money aside each month into a money
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