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June 30, 2008
Make A Living Online Without Spending A Dime

Making money with articles is not as hard as it seems. When you are trying to make money with articles, you don’t really need previous career related experience. You can learn everything you need to know from the Internet. You can learn new skills along the way to make your living online. You can become an expert in one area by picking up new skills gradually.

When you are writing articles, you have to keep your readers in mind. A lot of the readers scan through article rather than reading it. So your article should consist of a good title, plenty of subtitles and bullet points. A good title should draw readers’ attention quickly and bullet points will make them easy to find the information they are looking for.

Make money with article is easy.

1. What to Sell: You have to decide what product you want to promote and make money. You can sign up for clickbank.com or CommissionJunction.com as an affiliate. Here you can find a lot of good products to sell. You can choose something you know a bit about or something you like but please make sure it is a top product in its category.

2. Research Keywords: Next, you need to know how to choose keywords that can help you get a good amount of traffic, without being too competitive to get on the first or second page. Keyword Suggestion Tool is a handy little tool that will help you to determine which phrases are searched most often on both Wordtracker and Overture.

3. Write An Article: Then you can write an article about the subject of the product you chose. You should carefully calculate the keyword density for SEO purposes. At the end of each article, don’t forget to include a resource box with your affiliate link that you are promoting.

4. Submit the Article: Submit that article to every free article directory you can find (Here is a list of article directories that you can submit your article). You may want to modify the resource box, title or some words in one of the paragraph slightly with each submission.

It’s fairly easy and everyone should do it. Best of all, it doesn’t cost you a cent. Repeat these steps until you are earning more than $100 a week. Once you start earning more than $100 a week, you can spend some of your earnings hiring freelance writers to write for you. These freelance writers will ghost write articles for you and you own the copyrights of these articles. You can also invest some money on article submission software or getting an article submission service. Ghostwriting and submission service allow you to spend more time working on other aspects of your online business and make more money.

[1] A Complete Google AdSense Guide

[2] $10K Worth of Resell Rights Products Giveaway

[3] Free Classified Ads for Subscribers.

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Filed under: makemoney1_200 | 3:04 am | Comments (0)
The $10,000 Credit Card Challenge

Ever wonder how some people deep in credit card debt manage to come out on
top financially? This is the hypothetical but realistic story of Emily, one
person who dug herself out of $10,000 in credit card debt in just a few
years.
Never a big spender, Emily was shocked when she noticed that her two credit
cards had a combined balance of $10,000. What happened?

  • Emily took a lower-paying job when the economy went bust at the turn of

    the millennium.

  • Hoping her lower income would be temporary, Emily didn’t sell her house to

    get one with a lower mortgage. She didn’t sell her expensive car to buy a

    cheaper one, since she would get much less than she had paid for it. In

    reality, the thought of driving a less-nice car was painful

  • Emily paid only the minimum monthly credit card payment most months. She

    was paying interest, and interest on interest, buying the privilege of having

    the credit card company hold onto her debt another month.

  • When one of Emily’s credit card balances got within a few hundred dollars

    of the credit limit, her interest rate on the card skyrocketed from 17 to 27%

    .

Loans: Emily’s Salvation?

Emily considered taking out a loan to pay off her credit card debt. She owned
a condominium whose property values had increased 40% since she bought it, so
she could easily get a good low-interest second mortgage.

But a loan scared Emily: it would mean admitting her debt would not go away
soon. Besides, Emily wanted to get rid of her debt, not trade (her unsecured
debt for secured debt). Plus, she knew that if she ever couldn’t pay the second
mortgage, she would lose her house, while failing to pay credit card bills would
just mean a ruined credit rating.

For about a year, Emily argued with herself over whether to take out a loan
to pay off her credit card. Then catastrophe hit: her beautiful car was totaled
in an accident. While shopping for a new car with friends, Emily finally had to
admit to herself that buying another car like the one she had had would be
financial suicide.

Finding an Answer

Emily cried and cried as soon as she got home from the car dealership that
day. It wasn’t just that she would have to admit that she wasn’t someone who
could afford the car she had been driving. When Emily’s parents were her age,
they had already bought a five-bedroom house; Emily’s one-bedroom condominium
was already a stretch. If she ever got married to a man with the same financial
picture as she had, she wasn’t sure they’d be able to afford children. Growing
up, her parents had always told her she’d do better than they had. What went
wrong?

Emily did not have to think hard about what went wrong. Her father had been
able to pay for college with what he earned at summer jobs, and then got a
manager-level job straight out of school. Between college and graduate school,
Emily had accumulated $70,000 in student debt that she was still slowly paying
off. Houses in Emily’s town, even adjusting for inflation, cost several times
what they did when Emily’s parents bought one. Cars had leaped in price about as
much. The only thing that hadn’t gone up was income.
Unable to cope with having less than her parents had, Emily had used her
credit cards.

Solving the Problem

Emily knew that since her lack of financial skills had dug her into her rut,
she would need outside help to dig herself back out.
She had heard about credit counseling services that took large chunks of the
payments you made against your debt, so she was careful. She found a counseling
agency that was a member of the Better Business Bureau, American Association of
Debt Management Organizations and whose credit counselors are certified through
the National Institute for Financial Counseling Education. Doing a quick search
on the web, Emily verified that these were organizations with real standards and
not just empty names.

Here’s what Emily got from the credit counseling service:

  • Relief. Emily was relieved to learn that her $10,000 credit card debt is

    in fact about average for Americans. The credit counseling agency showed her

    that even if she didn’t have the advantages she had-a decent job and home

    equity-she would be able to rid herself of her debt if she just faced up to

    it.

  • Surprise. The agency urged her to put money away for a rainy day fund,

    even as her credit card interest mounted. But once she started saving, she

    felt amazing. She realized she had been under enormous stress from always

    being one paycheck away from poverty.

  • Understanding. The counselor understood Emily’s reluctance to take out a

    loan, and helped her create a budget that would let her pay off her

    consolidated debt within a few years. Besides the car, all Emily had to give

    up were smaller expenses.

  • Clarity. With her finances planned, Emily could think much more clearly

    about her financial situation. She figured out how much more money she would

    have to make to have her desired lifestyle, and aggressively pursued a new

    job. Starting fresh with her new coworkers, Emily focused on meeting people

    who were less materialistic-and even met her fianc

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Filed under: creditcard2_200 | 1:55 am | Comments (0)
June 29, 2008
The UK Personal Debt Mountain

News throughout 2006 has suggested very strongly that personal debts in the UK are rocketing. The statistics have become quite amazing.

For example, it is now believed that personal debt rises by

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Filed under: credit1card1_200 | 1:18 am | Comments (0)
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