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10 Ways to Beat Procrastination

Is there something in your life that you’ve been putting off?

Maybe you’re “planning” to start a big project next month. Perhaps you keep saying you’re going to do jump on your latest business idea as soon as you have more time. Or you could just be putting off cleaning up the house or washing the car.

Even if you’re putting off something that seems like a little thing, it’s not the size of what you’re procrastinating about that’s the problem. It’s that you’re giving energy to a bad habit that will grow and strangle your success.

So if you have a tendency to put things off, here are ten things you can do to beat procrastination and enjoy a happier, more fulfilling life:

1. Make a decision. This is my favorite way to overcome procrastination. Decision is the opposite of procrastination. Just like right and left, up and down, hot and cold, there’s procrastinate and decide.

To become more decisive, get Think and Grow Rich and read the chapter on decision every day for 30 days. This will go a long way in helping you act quickly on your ideas.

2. Write it out. Set aside a little time and follow this three-step process:

a) Get a sheet of paper and write out how you currently feel about procrastination. Elaborate on how you procrastinate—what you do, when you do it, etc.

b) Take out a second sheet and ask yourself, “What would be the exact opposite of that?” Then, on the top of the page, write “I am so happy and grateful now that…”and below it write out detailed statements that are the opposite of the things you wrote on the first sheet. When you are finished, burn or shred the first sheet of paper.

c) Read and rewrite what you wrote on the second sheet every day until you notice that you’re no longer procrastinating.

3. Chop it up. Sometimes we procrastinate because we don’t know where to begin. Break large projects into milestones, and then into small, actionable steps.

4. Quiet your mind. This one might surprise you, but meditation is one of the most effective ways to get rid of self-sabotaging behavior, including procrastination.

5. Stop trying to be perfect. Perfectionism is an illusion that slows you down and prevents you from reaching your goal. Act quickly, doing the best you can.

6. Partner up. Find an accountability partner so you can help each other commit to and follow through on the things you each need to do to move toward your goals and dreams.

7. Take a closer look. Revisit what you’re putting off and ask yourself why you have it on your list. Be honest with yourself. Maybe you’re putting it off because it’s something someone else wants you to do, but it’s really not important to you. If it’s not something that you really want or should do—or something that will move you closer to your goals, stop wasting energy on it and remove it from your list.

8. Put it on your gratitude list. Tomorrow morning, write down how grateful you are that you started the project and it’s going well. Write it in the present tense and feel like you already achieved it.

You see, expressing gratitude isn’t only for things that have already happened. Being grateful for things that you want and expect to happen raises your vibration, and thereby helps you get the results you want.

9. Reward yourself for taking action. When you accomplish something you want to put off, reward yourself. Take a coffee or tea break, go to a movie, or eat at a restaurant you’ve been wanting to check out. Do whatever will make you feel good about overcoming the procrastination.

10. Adjust your attitude. Procrastination stops you from winning and realizing many great joys in life. But even a small shift in your attitude can make a big difference in your results. So every day ask yourself, “What environment do I want to create for my life to really thrive?” Procrastination can’t survive in an environment like that.

There is no magic pill that will put an end to procrastination forever. But these tips will help you take concrete steps toward achieving more and feeling a lot better about yourself.

To more and better,

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Banks tighten lending standards, S&P 500 posts best quarter since ‘98, and a cashless society nears: This Week in Finance

Banks tighten lending standards, S&P 500 posts best quarter since ‘98, and a cashless society nears: This Week in Finance

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Welcome to This Week in Finance, your weekly roundup of the conversations trending among financial professionals on LinkedIn. Click Subscribe above to be notified of each edition. This week:

Banks pull back on lending

Consumers may have a harder time qualifying for credit cards and loans amid the coronavirus pandemic, as banks pull back on lending due to increased uncertainty around who is creditworthy. The crisis has pushed millions of Americans into deferment or other pandemic relief programs — and many missed payments aren’t being reflected in credit scores, The Wall Street Journal reported. Lenders are seeking new data to better evaluate consumers applying for loans. Meanwhile, roughly 39% of domestic banks say they’ve already tightened credit requirements, according to the Federal Reserve. 💲 Here’s what people are saying.

Stocks are climbing like it’s 1998

Despite growing economic unease tied to the pandemic, U.S. stocks finished their best quarter in over two decades, with the S&P 500 index climbing 20% — the most since 1998 — and the Dow Jones Industrial Average notching its best quarter since 1987. What’s behind the disconnect? A $1.6 trillion stimulus package from the Federal Reserve and Congress has helped fuel expectations for an eventual recovery and allowed stocks to rebound from earlier losses. The earnings season is expected to provide the next major test for the market, as companies shed details on how they’ve been affected by closures. 💲 Here’s what people are saying.

  • Amateur Asian stock trading booms: Japan, Thailand, India, Singapore, South Korea, and the Philippines are among countries reporting surges in retail trading accounts since lockdowns began in March.

CEOs see financial pain past 2021

The financial hit from the pandemic will last through 2021 or possibly even beyond that, according to the leaders of America’s biggest companies. The Business Roundtable’s new survey of CEOs fell to 34.3, the lowest reading for the index since 2009. Hiring plans and sales expectations also dropped sharply, as rising coronavirus infections have prompted at least a dozen states and cities to pause or reverse reopening plans across the country. 💲 Here’s what people are saying.

  • U.S. unemployment falls to 11.1%: The report captures the employment situation before coronavirus surges recently forced many states to halt or reverse their reopening plans.
  • Where jobs are, and aren’t, coming back: For some sectors, the road to pre-pandemic employment recovery may take years — or worse, never occur.
  • Still working, but for less: About four million U.S. workers, particularly those in white-collar jobs, have had their pay cut during the pandemic. This could signal a long-term recession.

Crisis shifting how we shop

New research suggests the pandemic is changing Americans’ shopping habits in ways not seen since the Great Depression. The Bloomberg and Morning Consult survey shows decreasing interest in events or places involving crowds, like enclosed malls, movie theaters, bars, and concerts, as well as a diminished interest in extravagant purchases. On a more encouraging note, the survey found people aren’t as fearful of restaurants, and they now say they prefer smaller retailers. The findings suggest society has entered an era of fear and austerity that may delay a full economic recovery, according to Bloomberg. A retail analyst told The New York Times that about 25% of the country’s 1,200 shopping malls are in danger of closing over the next five years. 💲 Here’s what people are saying.

The costs of pandemic-era M&A

As businesses struggle to weather the pandemic and its economic fallout, a handful of large firms — including some in the tech industry — have swooped in with buyout offers. Such consolidation could result in layoffs, higher prices for consumers, and diminished innovation, warns the Open Markets Institute’s Michael Bluhm. Columbia Law School’s Tim Wu argues that these deals could ultimately widen the wealth gap in the U.S. What might help? Bluhm suggests a moratorium on certain M&A deals. Wu offers several ideas, including ailing companies opting for employee ownership arrangements versus a buyout from an outside firm. 💲 Here’s what people are saying.

VCs on the hunt for edtech

In India, edtech startups have become a hot favorite of venture capital firms amid the pandemic, Livemint reported, citing data from Venture Intelligence. The industry attracted $795 million in the first half of the year, accounting for a fifth of the funding raised by Indian startups and up several times from $108 million in the same period last year. Byju’s and Unacademy bagged big checks, with demand for online courses skyrocketing amid prolonged school closures. E-commerce was a loser in the data: Fresh financing in the space plummeted 77% to $393 million. 💲 Here’s what people are saying.

Pandemic hits the oil patch

Chesapeake Energy — a leader in the U.S. shale boom — filed for bankruptcy protection, marking the biggest oil-and-gas company to do so since the pandemic began. At least 20 producers have gone under recently, Bloomberg reported, with oil prices suffering from both excess supply and lower demand tied to stay-at-home orders. Oklahoma City-based Chesapeake had been struggling to service its mountain of debt, and in May it warned that it might not be able to stay in business. 💲 Here’s what people are saying.

  • Shell faces $22B write-down: The energy giant said it expects the pandemic to have a lasting impact on demand for oil. It anticipates an oil price of $35 a barrel this year and $40 next year before stabilizing around $60.
  • Gulf’s recovery under pressure: Squeezed by the pandemic and drop in oil prices, the GCC economies will shrink by 7.6% this year, said the IMF, revising downward its previous forecast for a 2.8% contraction.

A cashless society is nearing

Cautious consumers around the world, nervously navigating the pandemic, are expediting the move toward a cashless economy, Axios reported. As shoppers abandon in-store browsing and swarm online, many are eschewing cash and opting for contactless credit and debit cards. ATM usage has plunged by 32%, according to Visa, with 63% of consumers using less cash overall. The decline is not only being driven by convenience — it’s also fed by the perception that “money is dirty and payment terminals carry germs.” 💲 Here’s what people are saying.

Finding economic recovery from crisis

At first glance, things may seem particularly bleak: The coronavirus continues to spread across the U.S., putting lives at risk and keeping large parts of the economy in a holding pattern. But Harvard economist Rebecca Henderson argues that, rather than despairing, we can treat this crisis as a unique opportunity to build an economy that’s stronger and more resilient than it was before the pandemic. One of her recommendations: tackling employment and environmental challenges in one fell swoop, with a sizable jobs program geared at combating climate change. 💲 Here’s what people are saying.

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THE FIRST ALL IN ONE MARKETING SYSTEM

Lead generation is just 3-clicks away.

“If your business is not on the internet, then your business will be out of business.”

– Bill Gates

Your complete online marketing presence.
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Our proprietary process gets every proven online marketing strategy working for you in just 30 seconds per day.

CLICK HERE TO ENTER THE NEW WORLD OF TECHNOLOGY

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This is the new way of sharing your information vs the old paper cards.

Business cards are an important part of life, helping us quickly swap contact details and turn a brief meeting into a valuable long-term contact.

The thing is, business cards are so 20th Century. There are now a number of companies vying to replace them with far more tech savvy solutions. If you’re tired of getting having to take a box of cards around wherever you go, here are five solutions to try.

The Bump Card Editor

Easily Design an Interactive Card

  • Customize to fit your brand
  • Unlimited pages
  • Add downloadable documents
  • Embed video or sound
  • Create your own custom contact form
  • Create coupons and specials
  • Promote with RSVPs
  • Add your social media
  • Add a chat link such as Skype
  • Add meeting room info
  • Keep your important links in one spot
  • Add a link for pay such as PayPal

To learn more CLICK HERE

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Gym Guy Becomes #1 Clickbank Affiliate

Learning anything is tough. Do not let anyone tell you different. We live in a fast paced life and everyone wants everything today. If you are wanting to become a doctor, attorney, nurse, insurance agent, real estate agent, mortgage professional etc…..

You need to come to reality that it takes time, focus, studying to achieve the goals and becoming an expert. So, the same is said for any ONLINE Business and Making Money Online.

If your willing to learn and take the time to learn and follow instructions and systems you can achieve success.

Below is a great video and very real story of how a fitness trainer and Gym Owner Changed his life and his girlfriend’s story of her success.

 

 

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LA COMMISSION APPROVES RATE REDUCTION AND REBATE

FOR IMMEDIATE RELEASE

April 7, 2020

 

Donelon Approves Allstate Companies Rate Reduction, Rebate. Calls On Other Auto Insurers To Reduce Consumer Rates During COVID-19 Stay At Home Order

Louisiana Insurance Commissioner Jim Donelon approved an emergency rate reduction filing and customer rebate by Allstate Insurance and its subsidiary companies, Esurance and Encompass on Monday, April 6, 2020. The fifteen percent (15%) rate reduction and rebate to policyholders is a part of Allstate’s corporate response to the COVID-19 pandemic in the United States.

In a media release on Monday, Allstate announced its intention to issue a premium rebate in the amount of fifteen percent (15%) to policyholders for the months of March and April 2020. The rebates will be made payable to customers in April and May of 2020 in the form of direct credits to their bank accounts, credit cards or their Allstate account.

“These rebates will have an estimated $13,607,287 in direct economic impact to Allstate policyholders in Louisiana alone. Nationwide it will result in $600,000,000 returned to policyholders. I am calling on other insurance companies to provide a similar return in premium to account for the very real fact that consumer compliance with the stay at home order in Louisiana has resulted in fewer cars on the road and an overall decline in driving means fewer accidents to insure,” said Donelon.

In the wake of the pandemic, many insurers, along with Allstate, have provided other resources to policyholders in the form of voluntary payment relief programs, identity theft protection services and even expanded coverage for those using their personal vehicle for the delivery of food, medicine or goods during this event. Commissioner Donelon thanked Allstate for this generous support for their policyholders during the ongoing crisis.

About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state’s insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by calling 1-800-259-5300 or visiting www.ldi.la.gov.

 

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April 6, 2020 – ALLSTATE RETURNING $600 MILLION PREMIUMS

Posted: Apr 6, 2020 / 01:39 PM CDT / Updated: Apr 6, 2020 / 01:39 PM CDT

CHICAGO — Allstate announced Monday that it will return $600 million in insurance premiums to policyholders.

Allstate said there have been fewer vehicle accidents during the COVID-19 pandemic as people stay home more to slow the spread of the virus.

The Allstate “Shelter-in-Place Payback” will give more than $600 million in April and May for auto insurance customers.

Most policyholders will receive 15% of their monthly premium as a credit to their bank account, credit cards or on their Allstate account.

Allstate said it is also offering free identity protection, payment relief and extended coverage for people who have fallen on economic hardship during the pandemic.

For more information click here

 

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GREAT VIDEO TO UNDERSTAND AUTO INSURANCE COVERAGES:  CLICK HERE

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Build Your Online Presence – COVID

40 brilliant-but-easy ways to build your email list

 

Email marketing is a high-impact, low-cost way of delivering your marketing message to current customers and prospects — if, that is, you have a great email list. If you don’t, this article is for you. Read on for the most effective and creative ways to build your email list.

If your email list is short, scant on information, full or errors and redundancies, or just not on-track with your targeting, that poor-quality data can be worse than having no data at all! Without a good email list, all your other digital marketing efforts are little more than wheel spinning.

There’s a lot to be said for the human touch, and these ideas rely on good old-fashioned human interaction to help you build your email list.

Build your email list the right way

1. Put out the sign-up sheet

Whether you’re at a trade show, community event or in your own storefront, collecting email addresses in person can be as easy as putting out a signup sheet and encouraging people to write down their details.

2. Leverage business cards

When you meet people face to face for any reason, ask for their business card. Offer yours. Set a glass bowl on the counter in your store or the reception desk in your office, and ask visitors to drop their cards in it. Offer some incentive to do so — a free product or service, gift card, etc. Use your own business cards to further drum up emails; add an offer on the back of your card that encourages people to sign up to receive your emails.

3. Host an event

Stage an event — lunch gathering, topic talk, book club or whatever works to get people in the door. Drop invitations at nearby businesses, post the notice on your front door, and advertise in local media. Ask people to RSVP with their email addresses.

4. Invite people to ‘join the club’

Offer a birthday or anniversary club that allows people to “enroll” by providing their email address and relevant date. Reward them with a special offer for signing up, and follow up with something else special, such as a discount coupon, on their birthday or anniversary date.

5. Organize a giveaway

Using snail mail and/or your existing email list, send people a postcard asking for email information and offer them a reward for providing it.

6. Drum up emails with direct mail

Sometimes you have a physical address but no email address. Send a direct-mail offer they can only get by going to your website and joining your email list.

7. Try some telemarketing

Throughout the day, you and your employees probably interact with many customers and prospects on the phone. Before you hang up, always ask if they would like to join your email list. Give them a brief statement of the benefits of enrolling — for example, exclusive offers and discounts only available to email subscribers.

8. Optimize your website for opt-ins

If a customer or prospect visits your website, they’re already at least somewhat interested. Don’t miss the opportunity to add them to your email list. Include email registration forms on every main page of your site, as well as on the pages for popular products and services.

9. Build with your blog

Your blog provides a great way to build a personal relationship with customers and prospects — and to gather their email addresses. Consistently end blogs with a call to action that encourages readers to sign up for your email messages. Require blog visitors to provide an email list in order to leave comments, and set it up so that they have to actively opt out if they don’t want their email address included on your mailing list.

10. Engage through social media

Social media participation can allow you to reach new audiences and make new connections. Stay abreast of trending topics that are of interest to your customers and prospects. Use social media to encourage people to visit one of the channels where they can sign up for your email list.

11. Don’t give up on bouncebacks

Everyone hates to see the dreaded bounceback alert in their inbox. If you have snail-mail information to match an email address, send a postcard asking the contact to provide you with an updated email address so you can stay in touch. Consider rewarding them with a discount or freebie for taking the time to respond.

12. Piggyback on a colleague’s efforts

Consider sharing email lists with neighboring businesses. Offer them space in your newsletter in exchange for including a link with your opt-in form in their newsletter.

13. Don’t let website visitors get away

If a visitor gets through your entire website without opting in, grab them one last time before they go. Set a lightbox to appear asking for an email address whenever someone is about to navigate away from your website or blog.

MAKE SURE YOU HAVE A SALES FUNNEL PROGRAM: TrafficSecrets_D_1080x1920_Link

14. Create an online community

Platforms like BuddyPress for WordPress make it easy to set up a community and foster interaction between your brand and your customers. Include a sign-up form for your newsletter on every page of the community.

15. Leverage ‘email only’ specials

Reward your loyal email followers with specials that are only available to subscribers. Encourage them to forward the link to your sign-up page to friends and family.

16. Don’t forget your own email

Be sure every email you send has an opt-in form so that anyone who receives one of your emails via forward from someone else, can sign up directly to be on your list.

17. Use Foursquare

Offer a reward for customers who buy something from you and show that they checked in at your business on Foursquare using their mobile device. When they do this, they’re telling everyone in their network that they’ve done business with you. Each month, reward the person who gave you the greatest exposure by offering a discount, and asking for their email address.

18. Be active on blogs and forums

Frequent the blogs and forums your customers do and offer insightful comments. Include a link to your website where visitors will find your opt-in form.

19. Get employees involved

Reward employees for collecting valid, testable email addresses. Remember to have them obtain the person’s consent before giving you the email address for your list.

20. Encourage customers with a daily deal

Daily deal sites can be useful for retail or local service businesses. Offer your discount (daily deal) through the site for a limited time and ask anyone who wants to grab the deal to provide their email address in exchange.

21. Word of mouth still rocks

Ask current and new customers to refer new subscribers to your list. Sweeten the deal by offering them a discount as a reward for valid, confirmed and consent-backed email addresses.

22. Encourage forwarding

When you send an email, include a forward-to-a-friend link in case recipients want to forward your content to someone they think will find it interesting. Make sure the link directs newcomers to a page with your opt-in form.

23. Serve up a sandwich board

Sandwich boards are nothing new, but what about using one in a new way? Place one on the sidewalk in front of your storefront or office to advertise your newsletter and offer a reward to anyone who signs up. Invite customers into the store to enroll, or give them the web address where they’ll find your opt-in form.

24. Use receipts

Customize your credit card receipt with a field/line where customers can jot down their email address while they’re signing. Or, simply ask them to write their address on the back of the receipt. At the end of the day, enter the addresses into your database and send out a welcoming email.

25. Take it to the street fair

Spring, summer, winter, and fall — your community probably has at least one street fair or similar event throughout the year. Participate in the event and collect email addresses right at the fair. Sweeten the deal by offering new subscribers a discount on their first (or next) purchase in exchange for sharing the email with you.

26. Encourage competition

Sponsor a video contest in which customers create a one-minute video about why they like your business, products or services. Ask them to send the videos to you and post them to your Facebook page. Invite visitors to vote on which video should win a cash or merchandise prize. Include an email opt-in on your Facebook page. Be sure to follow Facebook’s rules regarding contests.

27. Go mobile

When you’re out in the world at a tradeshow, business meeting or other public forum, use your smartphone to collect email addresses. And be sure to include an email opt-in with your business’ mobile app. If you offer the app for free download through your website, “charge” users the “price” of their email address in order to download the app.

28. Inside-the-box ideas

If you ship products, it’s a perfect opportunity to expand your email list at no cost! Include an inbox request on a card inside every package you ship. Be sure to tout your “email only” offers and direct recipients to your website’s opt-in form. After they join, redirect them to a page where they’ll receive their first promotional offer.

29. Make it more than just a bill

When you send out an invoice, include an option to sign up for email communications with you. Again, sweeten the deal by offering an incentive such as a discount or free shipping on the next order as a reward for providing email addresses.

30. Signs of the times

Include a link to your opt-in page in the signature of all your emails, personal and professional.

31. Network for emails

Join your local Chamber of Commerce or another business networking group. Email the member list (if it’s opt-in) about your services and include a link to sign up for your emails and newsletter.

32. Download freebies

That e-book or buying guide you created to establish thought leadership in your industry can also help build your email list. When visitors to your website request a free download, ask them to complete your opt-in form in order to download.

33. Speak up for yourself

Speaking engagements are a great way to establish your company as active in the community, but you can also weave into your talk the idea that more information can be found on your website. Offer free consultations in exchange for signing up for your newsletter and emails.

34. Giving it all away

Every month, offer a giveaway of a valuable or fun item to anyone who signs up for your email list.

35. Subscriber-only access

Everyone likes the feeling of being in on something exclusive. Offer your email subscribers something only they can get. It might be a special discount. It could be access to a video, e-book or another piece of useful content. Promote the availability of this exclusive access in order to encourage more email enrollments.

36. Give them subscription options

People like more choices, so consider creating subscription levels that let people sign up to receive content that’s relevant to them. For example, if you sell widgets and tax advice, provide three options on your opt-in form that allow users to sign up to receive info about widgets, info about tax advice or both. Further customize by allowing them to designate how frequently they’d like to hear from you — weekly, monthly or only when something really special is going on. People may be more likely to sign up for your email list if they have some control over the content they’ll receive.

37. Don’t forget the power of print

Add a QR code (a bar code that people can scan with a smartphone app) to print ads, direct-mail post cards and other printed marketing materials. Use the code to allow people to opt-in to your email list simply by scanning the code.

38. Leverage testimonials

Make your opt-in form extra convincing by including testimonials from current email subscribers touting the quality of your content.

39. Create a teachable moment

Are you an expert in something people want to know about, like weight loss, home improvement, cooking, etc.? Promote an exclusive online email course available only to subscribers.

40. Reel them in with a scroll box

Visitors to your website might overlook the call to sign up that you have at the top of every page, but it’s harder to ignore a lightbox or pop-up. Scroll boxes pop up on visitors’ screens after they’ve scrolled down a certain length of the page. The box encourages them to sign up for your email list. They can be effective for encouraging a user who’s already shown interest in your content (by staying on the page long enough to scroll) to sign up for your email list.

Building an email list takes time and is critical to marketing success in the digital age. What tactics do you use to collect more emails?

 

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I am Rene’ Manfre and I am here to help and serve my readers in any way possible on this journey of building an online life. Please feel free to email me anytime at manfreconsulting@gmail.com

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Here’s A Way Out of Your Financial Situation

For many Americans, financial concerns are a regular source of anxiety, which is understandable given the uncertainties of today’s economy. It’s important to remember that worry doesn’t solve much, but answering the question of how to overcome financial problems does.

The monetary benefits of dealing with financial problems—saving more, paying down expensive debt—will improve not just your bottom line but your overall mood as well. The less you worry about dealing with finances and money issues, the more you can enjoy life.

Here’s how to help reduce your money stress and get motivated to take control of your finances:

 

  1.  IDENTIFY YOUR STRESS POINTS:

Whether it’s the realization that you need to get more serious about saving for retirement or you are dealing with a troublesome credit card balance, it’s important to recognize what’s causing your anxiety. Write down your three biggest financial sources of stress so you know what you’re up against. (Keeping the list short can help you feel less overwhelmed.)

2. GIVE IT A POSITIVE SPIN:

Your mindset can help keep you motivated to fix your financial problems. Rather than get bogged down by thoughts of never getting out of debt, imagine the amount of stress you feel decreasing as your debt load gets smaller and smaller. It’s important to believe you can do it.

3. BE REALISTIC:

Determine what you can reasonably achieve and then dedicate yourself to following through each and every month. Make yourself a promise: “Each month I will spend less and put the difference toward my debt so my balance declines by at least $100.” Just like a crash diet or intense new workout routine can lead to burnout, you don’t want to set overly ambitious financial goals that you may abandon in a few weeks or months.

 

4. MAKE THE MOST OF YOUR INCOME:
The belief that you simply don’t have enough money to put towards your goals can keep you from dealing with your financial problems. Try to focus on making the most of the income you do have by spending wisely. We’ve put together a video of money-saving tips to help get you started. You might also consider using a calculator to see how long it may take you to hit a savings goal. Bank of America offers a savings calculator that could help.
5. SMALL STEPS ARE KEY:
You may not be able to cut any one expense by $500, but you may be able to identify five monthly expenditures you could reduce by $100. Forgive yourself if you slip up. Sticking to a budget is not always easy, and there may be days when your resolve falters. If that happens, remind yourself of how much you have to gain by reaching your goals. Then examine your spending patterns to see why you overspent. You may need to modify your budget or your behavior—if you can’t go into sporting supply stores without buying something, stop visiting them.
6. KEEP YOURSELF HONEST:

Leaning on your relationships can help keep you on track. Every hard task becomes easier with the support of friends and family, so share your goals. There’s no one better to hold you accountable and remind you what you’re sacrificing for than those you love, trust and respect.

 

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How To Build Traffic

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How To Increase Traffic On Your Website For Free?

Why More Website Traffic? Website traffic is both an important indicator and driver of business growth. It can help you to: •See how well your marketing is working • Gather insights about your audience to make decisions • Improve your SEO and search engine credibility • Generate more leads, increase conversions, and get more customers Yet achieving these benefits requires driving traffic to your website the right way, and a focus on driving quality traffic. In this post, we’ll cover free ways to drive traffic to your website in a way that impacts your bottom line. Free Traffic vs Quality Traffic Traffic to your website helps to improve your rank which in turn generates more traffic, but you want to make sure that the increase in traffic is associated with an increase in engagement as well. If your traffic is increasing but your conversion rates are decreasing, you’re not bringing in the right traffic.

There are a number of ways to optimize your website for conversion—such as by including calls to action and lead capture forms in the right places, providing the information your visitors are seeking, and making navigation easy and intuitive. But the first step is to be attracting the right visitors to your site in the first place. Your goal when it comes to website traffic is to be driving more qualified visitors to your site. That is, those who are most likely to convert into leads and customers. Channels that Drive Quality Traffic to Your Website There isn’t one set-it-and-forget-it tool that generates free and high-quality website traffic to your website. Rather, there exists a mix of channels that work together to drive visitors. Some require effort, some require time, and some require money. Some of the strategies and channels that drive traffic to your website include: • Online directory listings • On-page SEO • Off-page SEO • Email • Social media • Online ads • Blogging In the next section we’ll go into more detail on the most effective (and reliable) ways of increasing website traffic for free. Other Free Ways to Increase Website Traffic Here are ten additional steps you can take to increase your website traffic.

 

  1. Get Listed in Online Directories Another way to increase traffic to your website is to get listed in free online directories and review sites. For most of these sites, your profile will have a link to your website, so actively updating these listings and getting positive reviews is likely to result in more website traffic. In addition, many directories like Yelp have strong domain authority on Google. There’s a chance that your business’s free Yelp page could rank high for relevant searches.
  2. Build Backlinks A backlink is a link to your website from another website. Backlinks from complementary businesses or industry influencers will not only get your business in front of a larger audience, but it will also drive qualified traffic to your website. In addition, Google picks up on backlinks and will increase its trust in your business if it sees other trusted sites pointing to yours. More trust from Google leads to higher rankings, which leads to more traffic. Get noticed on Google for free with quality backlinks.
  3. Post to Social Media Social media is one of the most popular free marketing tools around, and plays a role in driving traffic to your website. Use Facebook, Instagram, and LinkedIn to promote blog posts and other useful pages on your website. This way you can turn your social media audience into website visitors, and draw traffic from their networks if you post shareable content. Creating useful content is free, and is not as hard as it may seem. You are the expert in your product/service; your job is to simplify it for your audience.
  4. Include Hashtags in Your Posts By adding hashtags to posts that promote your website pages and blog posts, you can extend your reach beyond your network and get discovered by users searching for your products and services. The more eyes on your links, the more free traffic you’re getting to your website.
  5. Use Landing Pages Landing pages are another free source of traffic to your website. These are pages specific to your offers, such as for redeeming a discount code, downloading a free guide, or starting a free trial. They contain the details users need in order to move forward and convert, and focus on one specific call to action, making it more likely to happen. Because landing pages are so specific, you can get very targeted in your messaging, increasing the traffic coming to those pages.

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Resources: https://www.wordstream.com/blog/ws/2014/08/14/increase-traffic-to-my-website