Start Your Own +Blogger Website And Establish Yourself As The Trusted Expert

If you love blogging, then you should start your own Blogspot because people search Google, which owns Blogger.com, for information and will look to you as the subject matter expert to provide it to them.

With Blogger, you can blog once a week for best results (or whatever schedule works) to provide an opportunity to build on being the subject matter expert, while reinforcing your brand.

Here are several reasons to start your own Blogspot on Blogger.com:

1. Start Your Own Blogspot to Build a Relationship with Readers.
2. Start Your Own Blogspot to Keep In Touch with Subscribers.
3. Start Your Own Blogspot to Drive Traffic to It.
4. Start Your Own Blogspot to Build Content.

Visitors can read a post or two to determine if your Blogspot will be of interest to them, which could help to increase subscribers and potential sales.

Tip:  If you use Blogger.com as an alternate blog to optimize your SEO Score, it will also bring new traffic from the Google search engine.

Here are 5 more reasons to start your own Blogspot on Blogger.com:

1. Start Your Own Blogspot to Develop an Information Product.
2. Start Your Own Blogspot to Grow Your Email Marketing List.
3. Start Your Own Blogspot to Gather Demographic Data.
4. Start Your Own Blogspot to Save Money.
5. Start Your Own Blogspot to Get Feedback from Your Readers.

It’s common knowledge that people like to buy from people they like.

By using a Blogger.com blog to connect with readers in their homes or on their smartphone, you can develop a relationship of familiarity and trust.

Be sure to share a little about yourself or your company in some of your posts to make them more relatable and personal in tone.

Remind Readers of Your Blog Archives

Use links to turn your Blogspot and newsletter into ‘silent salespersons’ – driving traffic to your Blogspot and building your Email marketing list around the clock.

Tip:  If you blog once a week consistently, the Google search engine will love you for providing fresh, well-researched, and well-written content!

When your Blogspot becomes popular, pick the best-of-the-best of your posts and turn them into a bonus FREE ebook for readers who opt-in to build your Email marketing list.

Warning:  An Email marketing list is a very valuable tool, which represents the core relationship you have with your readers. In my opinion, selling, swapping or spamming your list should never violate this trust. Learn how to use it responsibly with value-based incentives that your list will appreciate.

Let Your Blogspot Subscribers’ Work for You :)

Be sure to remind your readers that it’s okay to forward your blog posts to anyone they would like.

In addition, it’s important to include a newsletter opt-in for those who received your post from social sharing methods.

A simple line titled, ‘Get Your Own Copy of XXXXXX’, with a link to your sales page is all it takes!

By offering a niche newsletter..., you’ll be able to build your Email marketing list to build a relationship with your readers who are also your customers.

Learn what your readers are interested in, how to better serve them, and how to give them what they want.

They are not interested in what you want!

Make sure they become return readers and repeat customers!

All of the above benefits of publishing a Blogspot on Blogger.com is FREE.

On mobile devices, it also shows a mobile version of your Blogspot, and your Adsense, providing you have an account.

The NO COST of Blogger.com top-rated, highly searchable blogging platform is worth more than the cost of paid blogs, brochures, business cards, advertising, direct mail, pay-per-click or other means of promotion.

Not only that, but you have to manage that media/advertising/promotion/marketing production!

Because your Blogger.com blog is delivered on Google.com, providing you have selected the right niche topic, your Blogspot will be listed on the first page of the search engine, which will help to grow your traffic -- without worrying about the expense.

Bottom-line, it’s proven that a Blogger.com blog is the most cost-effective marketing solution for you to start your own blog!

Thanks for reading. Please leave a comment and share this post.

Tonza Borden

10 Principles Of Paying Off Debt With A Budget

Best Bets for Paying off Debt

Don’t let financial chaos keep you from paying off debt.

Instead, create a budget worksheet to record income, expenses, debt, and other financial transactions.

Paying off debt with a budget will help you understand how to take charge of your money.

Here are ten principles behind this strategy.

Set Goals for Paying off Debt

1. Brace Yourself for Murphy’s Law When Paying Off Debt
2. More Month At the End of the Month than Money for Paying Off Debt
3. Track Credit and Credit Card Purchases for Paying Off Debt
4. Plan a Fiscal Year for Paying Off Debt
5. Work Together with Your Family for Paying Off Debt
6. Decide what Specific Financial Goals You Want to Reach
7. Think About Long-Term Goals Like Retirement. Also, Decide What to Achieve in the Next Few Years, What to Accomplish This Year, and What You Can Do in the Next Month
8. Write These All Down, Rank Them by Importance, and Assign Due Dates
9. Next, Estimate How Much You Must Save to Meet Each Goal for Paying Off Debt
10. Figure How Much to Put Aside Each Week to Reach Your Total Savings Goal, and Then Write Down Specifically How You'll Make That Happen

Murphy's Law Factor

Murphy’s Law states, “Anything that can go wrong, will go wrong,” so take the total expenses and increase by 10 percent.

Open an extra account at your bank or credit union to save money for emergencies such as car repair or a layoff.

If you can, accumulate about three months’ worth of take-home pay.

The fact that you are reading this blog may mean that you are also looking for income solutions.

If that is the case, then I recommend starting a blog and monetizing it.

If your income is below the national poverty level, that means you must end the monthly mistakes that are sabotaging your budget.

Your budget worksheet coordinates your monthly bills and expenses with your take-home pay.

However, there’s probably no such thing as an average month (considering Murphy’s Law), so outline each month individually.

Be sure to include planned savings for your three months take-home pay, and treat it like a required expense.

Don’t get ambushed by high credit card bills.

Every time you use a credit card, write down the date, what you bought, and the amount charged.

If you use several credit cards, keep separate budget worksheets or columns for each one.

What is a fiscal year?

Instead of a calendar year from January to December, a fiscal year means financial year or budget year.

It is a period used for calculating annual financial statements.

However, for your purpose of paying off debt, you will lay out a yearly budget of planned expenses that aren’t part of your regular monthly bills, such as new glasses or contact lenses, firewood, homeowners insurance premiums, vacations, etc.

Review a previous year’s spending for similar expenses and estimate what costs are likely to be this year.

Decide where you might cut back, then total the remainder and divide by twelve.

Now, you can see how much to put aside monthly for these expenses.

Make budgeting a family affair.

By sharing the information, you also share the burden.

Tired of the debt lifestyle?

Thanks for reading. Please leave a comment and share this post.

Tonza Borden

Why And How You Should Check Your Credit Report

It's the key to qualifying for a loan, and the secret to lower interest rates and get better deals on insurance.

It can be the difference that tips the scales in your favor when you're looking for a job.
The information in your credit report is gathered and sold by Consumer Reporting Agencies (CRAs), which includes:

• Personal identification and employment

• Credit payment history

• Requests for your credit report in the last one to two years

• Matters of public record, like bankruptcies and foreclosures

• You’re unemployed and plan to be job hunting within 60 days

• You’re receiving government assistance

• Your report is wrong because of fraud

• Circle disputed items on your report

• Explain what you believe is wrong, and ask them to correct or delete those items

• Attach copies, not originals, of documents that support your claim

• Make two copies of the entire package. Mail one set to the CRA and one to the company that provided the incorrect information. Save a copy for your files

• Send everything by certified mail, return receipt requested, and keep the receipts

• Expect a fix. The CRA will send you the results of their investigation and a new, improved credit report

The most important financial move you can make this year is check your credit report.

Take immediate action to dispute incorrect information, which includes:

How Often to Check Your Credit Report and How to Dispute It?

The best-known national credit bureaus are Equifax, Experian and TransUnion.

No one should be more interested in your credit report than you.

Check your credit report once a year, or before you seek a loan or make a major purchase; and make sure it's accurate and up-to-date.

Thankfully, the Fair Credit Reporting Act (FCRA) is there to help.

It makes sure you have easy access to check your credit report and provide you with a way to correct any mistakes you may find.

Each CRA can charge up to $15 for your credit report, although some states require they give you a free copy or two every year.

Calls to the national credit bureaus are automated, so if you live in a state whose laws allow a free report, there won't be any mention of a fee.

Otherwise, be ready with your credit card.

You're entitled to a free credit report regardless of where you live if, for instance, you're denied credit, insurance, or a job because of information in your credit report.

However, you must make your request for the report within 60 days of receiving notice of the denial.

CRAs will also send you a free credit report if you can prove that you were denied credit.

Repair and Check Credit Report from Home

Study your credit reports carefully.

Be sure everything is accurate and complete.

If there is a mistake, don't panic.

The CRAs and companies that provide information used in your credit report have to correct errors.

The CRAs even send a dispute form with your credit report.

The final step is to ask the CRAs to notify anyone who has received your old, incorrect credit report in the past six months.

Now, you have learned how to check your credit report for free!

Tired of the debt lifestyle?

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Little Known Ways To Help Single Mothers Pick A Good Credit Card

Consider Your Credit Card Budgeting Habits First

Television ads entice you with carefree lifestyles with a credit card.

Sales letters flatter you with pre-approved applications and tropical island destinations.

However, is this really how you should choose a credit card?

Someone who pays the balance in full every month is looking for entirely different features than someone who carries a balance, and is looking to reduce their interest charges.

If you carry a balance, interest rates and fees are most important.

Find a credit card with a low interest rate, and keep in mind that an annual fee is not automatically a deterrent.

Read the Small Print About the Credit Card and Look Beyond the Brand Name Credit Card

They look beyond the big bold letters advertising the interest rate and study the disclosure agreement.

And, if you are doing a cash advance or balance transfer, how do those policies differ from that of a purchase?

Be especially alert for policies that punish certain actions.

Will one late payment throw you into a much higher rate cycle?

The disclosure agreement is more important than the annual percentage rate (APR).

The smaller the print is on agreements, the more important the words.

Look at day-to-day procedures.

What kind of billing cycle do they have?

How much of a grace period do you have to get the payment in?

Compare the Perks of a Good Credit Card

Rewards and rebates really only benefit those who pay the balance in full every month.

If you're carrying a balance, you should not be looking at these types of credit cards.

Remember that rewards are not confined to frequent flyer miles or cash back anymore, so shop around.

Other differences in credit card features include insurance and warranties.

Again, check the fine print for protection against rental car damage and flawed merchandise.

It varies from credit card to credit card.

If there's something of value to you, make it a point to investigate the specifics of it.

As long as the other terms are similar, the name on the credit card doesn't make a difference.

MasterCard and Visa are credit card networks that license individual banks to issue cards.

Discover is both a network and a credit card issuer.

You have to pay your bill in full every month, although they are beginning to add some credit options.

It's the terms that really matter when you're comparison-shopping for a credit card.

Things such as interest rate, fees, grace period, and perks earned on rebate or reward cards.

Tired of the debt lifestyle?

Thanks for reading. Please leave a comment and share this post.

Tonza Borden

Calling All Single Moms To Make Money Online From Home

More and more single moms, teachers and Realtors are beginning to realize that the Internet and opportunities to make money online from home is the future.

My inbox has been flooded with questions regarding how single mothers can make money online from home.

This post includes questions and answers to your basic questions about how to make money online from home.

• Can I Make Money Online from Home and How Much Money Can I Make?

• I Don't Have Any Experience, List or Big Advertising Budget, Can I Make Money Online from Home?

• What Does It Cost to Get Started to Make Money Online from Home?

• What Are My Monthly Expenses to Make Money Online from Home?

• Does An Online Business Guarantee That I'll Make Money Online from Home?

I will attempt to answer all of these questions but, not specifically in that order.

It cost $0 to start a blogspot with Blogger.com, however, cost vary for starting other types of online businesses.

In terms of how much money you will make depends on how much time you want to devote to your site.

You will get out of it what you put into it.

Some single mom entrepreneurs set up their sites very quickly, and others take more time because of their learning curve.

There is no guarantee you will make money online from home; and you might be one who say, "I'll do what you teach me, just tell me how", and then when I teach you through posts and tutorials what to do, you decide to do 20% of it because you think you know better than me how it should be done.

You might be one who CAN follow tutorials; or you ARE serious and willing to work 12-hour days and burn the midnight oil to create a blog that matters to your readers, thus you will eventually make money online from home.

In any case, an Email list is not required and you may not want the hassle that's normally associated with building a 'list'.

Related:  Start Your Own +Blogspot And Establish Yourself As The Trusted Expert.

Ultimately, whether you make money online from home depends on your goal and the amount of time, energy and work you put into your blog or business.

It's entirely up to you!

And, it depends on how fast you want to go.

The world wide web consists of single moms who earn large and small incomes from home.

It all depends on how quickly you can get into action!

In fact, many of the Internet's biggest blogging/business success stories are from single moms who have never had significant success in any other business.

They didn't have a list of prospects.

They didn't have any experience either, but they created a blog or business website, continue to learn as they scale, and are getting fantastic results!

Those are the facts.

Ultimately it's up to you to make money online from home, so here's what else I can say in closing.

If you're teachable, there's no reason why you shouldn't expect to get fantastic results by following the same simple system that the Internet's top-earners use.

Thank you for reading. Please leave a comment and share this post.

Tonza Borden

How To Save Money For Your Financial Success No Matter How Much You Earn

According to statistics, most single mothers don't save money.

Therefore, the average single mom owes more than $8,000-$10,000 in credit card debt.

If you are hoping for an improved financial outlook without saving money, you are clearly headed for failure.

You will not achieve financial success apart from the mindset and practice to save money.

Let me state in the clearest terms possible:  WHEN you become financially successful, it does not mean that saving is over.

You can think of any excuse when do don't want to save money such as, "I'm rich," "I have too many bills," "I don't make enough money,"...

I'm going to share with you a principle that is applicable to every single mom who WANTS TO SAVE MONEY to achieve financial success.

You must save money to achieve financial success for the rest of your life.

Don't wait until you get old to realize that you will need more money as you get older than you do as a young person.

You must begin to save money now and make it a key priority in your financial life.

The key principle component of wealth building is:  Pay yourself after taxes and tithes.

It's easy for people with "new wealth," "lottery wealth," even "Internet wealth" to think that there is no need to save money.

This is a common mistake among those who achieve "new money."

In the last decade, many people earned more money than they had in their entire life, and when the economy turned downward, as it always does eventually, most of them did not have the foresight to save money for those inevitable rainy days.

How to Save Money by Paying Yourself?

Proverbs state, "The wise have wealth and luxury, but fools spend whatever they get."

To save money for your financial success, you must pay yourself with 10-15 percent of your income.

You spend time and effort furthering the mission and profit of the company where you are employed, therefore, you must reward yourself for that effort by paying yourself.

Use Single Mom Debt Talk community to discover how you can:

1. Make money
2. Get out of debt
3. Save money and build your future by paying yourself.

Without a purposeful commitment to pay yourself (first) to save money, it is possible to work hard all of your life and end up with nothing, but debt.

However, by adopting the pay yourself to save money practice, you will be well ahead of the majority of single moms, and on the road to financial success.

One of the best ways to save money is to pay yourself after the government takes it share, and you've tithed 10% to your church or favorite charity.

Tip:  After you start earning a nice income online, you can legally "pay yourself" before the government by participating in a pre-tax retirement account.

Generally speaking, the government, through various taxes, takes at least 15-30 percent of every dollar.

This happens before you even see your hard-earned money.

The good news is:  When you contribute to a tax-deferred retirement plan, you save those dollars BEFORE the government has a chance to take its 15-30 percent.

Ask your tax expert or certified financial planner about how to enroll in a tax-deferred plan.

Decide Now to Pay Yourself First and Save Money

Here is one proven method that is helpful to save money: Keep a record of every cent you spend for several weeks.

I can hear your excuses, but this is necessary to see where your money is going.

You will find that a Star Bucks coffee here, a lunch there, and an assortment of other seemingly small expenses are robbing you of a sound financial future (and the start up money you need for your online business).

If saving 10-15 percent seems impossible, then start with a lower percentage and build from there.

This important save-money-strategy can help you "find the money" to invest in creating your online business, thus possibly build wealth.

Finally, it is important for every single mom to get a realistic picture of where you are in terms of financial health.

Another way to find money in your personal budget is by charting out your equity.

Take the time to create a personal budget worksheet, which will list those items that are assets with positive financial impact such as, savings and retirement accounts.

It is not appropriate for me to assume that all single moms are broke.

However, Single Mom Debt Talk is purely for those who are.

After you finish your personal budget worksheet, you will see on what side of the equation your finances and savings fall.

It may be startling or it may be encouraging.

Either way, you must come to grips with where you are, and where you are headed--if you don't start to save money for your financial success.

Tired of the debt lifestyle?

Thanks for reading. Please leave a comment and share this post.

Tonza Borden