Save Money On Your Back to School Supplies List Right Now!

Save money on your back to school supplies

Are you thinking about your kids back to school supplies list already? Are you interested in how you can save money on your back to school supplies list, right now? Well not fear, you picked the right time to save. I am featured in The Washington Post giving my advice on how you can buy all the best supplies without breaking the bank.

Take a look here:

How to save big bucks on school

As always leave your thoughts and comments down below!

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4 Reasons Why You Failed with Multi-Level Marketing (MLM)

Direct selling and Multi-Level Marketing (MLM) is another way to bring in extra money for your home and earn a living. This industry is generating multi-billion dollars right now!

Here is the catch.

Direct selling- everybody can do it.

But not everyone will succeed.

For some, direct sales/MLM is a fun business and these salespeople find themselves at being very successful in this business. But for others, direct selling/MLM is a waste of time and they end up losing money, out-of-business and burned out.

What are the common causes and reasons why one has failed in the direct sales business? This is an eye-opener for everyone not to slump into the same pitfalls.

ask blackboard chalk board chalkboard

Photo by Pixabay on Pexels.com

4 reasons why you fail in direct sales

Reason#1: Expecting instant result and overnight success

Thinking that this an easy and quick get-rich scheme, many independent distributors or sales representative join the direct sales business without doing their research. They don’t understand that they need to spend the time to learn the process and the system.

In reality, you need to spend at least six months to 3 years to master the methods. But most sales consultant will give up in less than three months. This will cause them to lose a lot of money that they invested in products that are not doing anything but collecting dust. Congratulations! You have just wasted a lot of money and time.

The secret of success for most fruitful sales consultant is to stick within the company. Trust the process, yes even if you are not generating profit. That could take as long as three years or more.

portrait of beautiful young woman over white background

Photo by Pixabay on Pexels.com

Reason#2: You joined a company on a whim

Some independent distributor or sales consultant failed in direct sales because you got caught up in the moment and did not do your research.  You did not know much about the products, marketing plan, and the support system.

It is very important to ask yourself the four basic question before joining any direct sales. It is a step to avoid wasting your time and money.

Try to ask these questions:

First, do you actually like to use these products?

Second, are you willing to put in the time to market the products? Keep in mind that with direct sales it is very essential. That includes creating and maintaining a presence on social media.

Third, ask yourself if you have the potential contacts or people who may buy your products or recruit.  Keep in mind that some people are annoyed with direct sales and MLM marketing tactics. Are you willing to annoy or even alienate friends and family? If you have not listened to the podcast The Dream Podcast, I urge you to take a listen.  It explores the dark side of direct sales/MLM.

And finally, ask yourself if you are willing to work or sacrifice to grow your direct sales business. 

If most of your answers are no, then do not go through with direct selling/MLM. You will be wasting your time, effort, and money.

achievement adult agreement arms

Photo by rawpixel.com on Pexels.com

Reason#3: Your support system is nonexistent

In the world of direct sales/MLM, sponsors or mentors plays a vital role. They must be there to guide, train and motivate you on how to become successful in this business.

Now, if you are a type of person that has strong personal skills or are self-motivated, your sponsor’s presence will not be quite important for you. That characteristic will help your ability through the process.

But if you are a novice then selecting the right sponsor is very important. They will help to ensure your long term success. This will be done by teaching you their techniques as well as to give you the best motivation. If you don’t have the right support system, then there is a high probability that you will fail in the direct sales business.

So it is better not to pursue to avoid wasting your time and funds.

grey metal hammer Photo by Pixabay on Pexels.com

Reason#4: Wrong mindset

As a salesperson, you need to communicate with a lot of people frequently and constantly.  What happens when your personality doesn’t fit? Or you are not comfortable in explaining or selling your products. You need to have a paradigm shift. From an employee mindset to an entrepreneurial mind.  Change the mindset to a growth mindset!

Talk to as many people as you want. Proceed with caution as you contact your friends and relatives. Do not hesitate to share the product’s features and benefits. Make this a part of your routine and do this consistently in six months to three years and you see the good result.

If you will not change your mindset success will continue to elude you on this venture.

Verdict

Direct sales and MLM is definitely not for everyone and the bottom line is most people will not become very successful. What has been your experience? Have you beaten the odds? Or do you have a cautionary story to share? Leave your comment below. 

REFERENCES

5 Reasons People fail in direct sales

6 Questions to Ask Before Joining a Network Marketing Company

4 Things that Mean Inevitable Failure in the Direct Sales World

 

Monthly Family Budget

Monthly Family Budget Created in 5 Simple Steps

Updated 2019

Creating a monthly family budget is a challenging job. It takes time to master the skill of balancing cash inflow and cash outflow. Yet, this is a very important task to control our finances, if not, it would be otherwise.

Sit down for a few hours to think about the things involved in budgeting. Good planning is the key to create a successful household monthly family budget. But, execution is the best way to overcome the challenge and find your way to financial stability.

To be able to make it possible, even if how demanding it seems, break it into a simple method. And, get started. So, let’s get the ball rolling!

Easy Steps to get you started

STEP #1: Determine your goal.

OmahaSteaks.com, Inc. Setting a goal is a very important step. This creates the map on where the plan is going. For whatever reason you have in mind, this becomes your lead. And your motivation in sticking to the monthly family budget for the family.
Also, it must be specific, measurable, accurate, and realistic and, time-bounded – SMART.
Writing your goal will also help you get focus and reminded of your goal.

STEP #2: Select the budgeting style that fits you.

Photo by NeONBRAND on Unsplash 1

Photo by NeONBRAND on Unsplash

Recording your cash inflow and outflow using a pen and paper are still common today. Using an accounting ledger, you can write down the ins and outs of cash. A working calculator is also needed to help you in the computation.

Though manual is still an accurate way to notate income and expenses. An electronic budgeting software will make your job a lot easier with fewer errors too. Visit Mint.com to sign up and create an account for a budgeting tool.

STEP #3: List everything that affects budgeting

Photo by Dose Media on Unsplash

Photo by Dose Media on Unsplash

U.S News and World Report suggest separating the incoming and outgoing. Anything that has something to do with the finances must be included. Like income statement, bills or receipts must be listed and categorized. Get the total of the incoming amount as well as the outgoing. At this point, you will be able to determine which amount is higher.

In most cases, income is smaller compared to expenses, hence budgeting will come in.

STEP #4: Study and check the expenses.

Photo by Lonely Planet on Unsplash

Photo by Lonely Planet on Unsplash

This step will help you determine the specifics of the outgoing category. It includes utility bills, mortgages, and credit cards. Also, another necessary spending like food and clothing needs review.

Draw your attention to optional spending. That is usually incorporated into your necessity, like expenditures for recreational activities. Keep an eye on this subcategory since it will go up fast without us being aware consciously. It is wiser to control this spending as this is the only option that you can divert money to pay off debts.

Control and be mindful.

STEP #5: Debt pays off.

Photo by Matthew Kwong on Unsplash

Photo by Matthew Kwong on Unsplash

Most of us want to become financially free. That is the reason for budgeting with the hope of getting out of the rat race. The way to make it happen is to pay debts each month, at least. But, if you’ll pay higher than that, it will decrease the debt and makes interest lesser.

College to Career

As a new graduate, you might not know what your next step should be. Check out Transitioning from College to Career: A Guide for New Grads by our friends at Groom and Style.  Part of your monthly family budget should include planning for your future.  This guide is an outstanding resource to prepare young adults in the “real world.”

Monthly Family Budget Final word

Monthly family budgeting is a mixed-up, but it doesn’t say it is difficult. Self-discipline is a key to make budgeting work easier. We just need to live on by our means. Getting aware the real value of how much we only earn and spending only within it.

Do not spend beyond your capacity in order not to blow up.

By knowing our income, liabilities and the outflow of the money, we gain control over our finances. The challenge though is to decide which one to sacrifice to cut or minimize to live within what we earn.

In cases of payments are still much greater than the inflow, extra income can be a solution. Or, you can find your way to a free credit counseling service for a more informed decision you can make.

Nothing is impossible if you believe and act on it.

What do you plan on doing to create a monthly family budget? Share in the comments below so that we can learn from one another.

RESOURCES

https://www.today.com/money/build-family-budget-actually-works-2D79417869

https://www.mint.com/budgeting-3/how-to-create-a-budget-step-by-step

https://theorganisedhousewife.com.au/organising/money-saving-budget-tips/how-to-create-a-family-budget/

https://www.thebalance.com/set-up-a-family-budget-3129262

https://money.usnews.com/money/blogs/my-money/2011/08/18/how-to-make-a-basic-budget

https://www.mint.com/

https://money.usnews.com/money/blogs/my-money/2011/08/18/how-to-make-a-basic-budget

It’s Been Two Weeks But Happy New Year!

Work life and home life has gotten the best of me and I have not been the best at keeping YOU abreast of the best information out there regarding working online. I won’t even begin to explain how busy these past four weeks have been between.

However what I can tell you is that 2019 is here and I PROMISE you that I will continue to bring the best online opportunities and more episodes of my podcast, The Teacher Ces Podcast.

I invite you to follow me on social media.

Although I am not Oprah, I will leave you with three of my favorite things that you might want to check out as well:

I spend the month of December reading Becoming. It was definitely inspirational and eye-opening.  I would love to start a book club and have a discussion about this book.

 The holiday was a good time, too good time actually. I have been drinking a lot of green tea to get everything back in order.

My old online headsets finally cracked on me. I mean literally fell apart. I am overall happy with these new headsets.

Gifts Teachers Really Want (But Were Afraid to Ask) For the Holidays

 

Christmas classroomNever feel obligated to give a teacher a during the holidays. The majority of teachers are indifferent about receiving gifts from their students. After that warning if you still feel like keeping the teacher in your life on your holiday shopping list the exploration shall begin.

Although teachers are happy with whatever gift they receive over the holidays, these gifts will really impress. Take note, these are not your every holiday gifts.

Self Care

Lush Whoosh Shower Jelly, 3.5 Ounces by Lush
Teaching is a high stress job. What is a better way to decompress than using this shower jelly created by Lush?

 

Bath & Body Works Aromatherapy Sleep – Lavender + Vanilla Body Lotion, 6.5 Fl Oz + Body Wash & Foam Bath, 10 Fl Oz
Can you really go wrong with this one, two combination? Lavender and Vanilla in the form of body lotion and body wash? The perfect combination for a self-care Saturday night bath.

Massage & Wellness SPA Gift Card ($50)
Spa days are he best days! Need I say more?