Things To Do When You Cannot Pay Your Debts

As a first step, you’ll want to list all of the debts you owe from smallest to largest. Throw all of your excess funds at the smallest balance, while making the minimum payments on all your larger loans. Once the smallest balance is paid off, start putting that extra money toward the next smallest debt until you pay that one off, and so on.

Over time, your small balances should disappear one by one, freeing up more money to throw at your larger debts and loans. This allows you to pay down smaller balances first — logging a few “wins” for the psychological effect — while letting you save the largest loans for last. Ultimately, the goal is snowballing all of your extra money toward your debts until they’re demolished — and you’re finally debt-free.



Dump All Non-Essentials

Go over your list of expenses and cancel anything that isn't key to your survival. Cable/satellite, streaming services, newspaper subscriptions, extra phone/computer features, paid memberships  – they all need to go until you have your finances back on track.


Learn To Multitask And Earn Extra Income

Late payments and skipped payments are bad news for your finance, and could cause you to lose your home or car, so make a hard push to earn the money that you need to cover your budget gap. Sell some stuff, pick up a side job, roll coins – do everything in your power to pay your bills on time.

Check the side bar for bunch of ways to raise cash quickly; see if there are any ideas that you might have overlooked before you decide to go the non-payment route.


Renegotiate Loans and Medical Bills

If you're currently paying on loans or medical bills, free up some money by negotiating new repayment terms, which will allow you to reduce your payments or to temporarily stop making payments all together.
Medical bills are even easier to renegotiate. Just call the accounting office, explain what you can afford to pay, and they'll usually work with you.


Prioritize You Bills

If you still don't have enough money to cover your bills, it's time to decide which bills you're going to pay now and which are going to have to wait. Go through your list of monthly expenses, and mark all items that are vital to your existence as a top priority. This includes things like your rent/mortgage, utilities and insurance. Mark all secured debts as your next priority. This includes things like car loans, home equity loans and any other debts that have collateral attached to them. Mark all unsecured debts as your last priority. This includes things like credit card debt, personal loans and most services-related bills. Once you've prioritized all of your bills, make a list of the bills that you aren't going to be able to pay right away.


Talk to Your Creditors

Now, that you've done everything that you can to minimize the damage, it's time to let your creditors know what's going on. Call each one up before your bill is due (not after) and explain your situation. It won't be a fun call, but it could help to keep you out of trouble. Many creditors are willing to offer deferred payments, reduced payments, a late fee waiver or an extended due date, if you haven't had a problem in the past  – and that can go a long way towards saving your credit score and getting your finances back on track.




Contribtors: Tochukwu Mgbeahurike, H. Johnson and H. Erin

How To Prepare For Economic Recession

Recession is already here!
If the talk of recession gets you worried, it time to recession-proof your finances.
I believe we are in a massive recession right now but the media can’t call it that because by definition we aren’t there yet.

 A Recession is defined as a period of temporary economic decline during which trade and industrial activity are reduced, generally identified by a fall in GDP in two successive quarters. By the time the media calls it a recession it's already too late—it will be after the fact and you have already been affected.

The oil and gas sector has been hammered hard which cause tremendous damage to the banks. Already the oil and gas industry has laid off some 120,000 workers, banks has laid off over 1,000 workers, manufacturing companies are folding up and most are downsizing. These high paying jobs effect everything and every other business.

So what do you do to prepare for the recessions? How can you survive and even prosper from a monster recession? Contractions are not something to be scared of but rather opportunities for those properly prepared for them.
Here are the things that you can do to plan for (and survive) a recession:

Save More

Do you have three to six month's wages (or more) set aside for the unexpected? If not, now is the time to get serious about saving. Challenge yourself to save whatever you can—even if it's just a quarter. In a weakened economy every bit counts.

*Learn to start emergency fund savings now


Spend Less

Delay or eliminate unnecessary purchases. Then, add the savings to your emergency fund.


Think and act like real entrepreneur

Learn 'how' think rather than 'why' think and act like an entrepreneur.
That means sales, marketing, negotiating, follow up, and branding.




Shop Smarter

A smart shopper never spends more than she has to, recession or not. Look for ways to save on all of your necessary purchases, and hang on to more of what you make.


Pay Down Your Debt

A recession isn't all bad news. Since interest rates tend to go down during recessionary periods, your debts will cost you less; and your debt repayment value will go further. What that means is: it's a great time to pay down debt. Look over your budget, and determine if you can afford to divert more money to your debt repayment efforts, if you are indebted.

You should also keep an eye on the mortgage rates. Now could be the time to refinance to a lower interest rate and a shorter mortgage term.


Stockpile

Prices can be a bit unpredictable during a recession. The solution? Establish a stockpile of sale-priced foods and goods, and you'll only have to buy when it's a good deal for you.


Make the Most of What You Have

No need to buy new when you can make do. Use up leftovers; find substitutes for items that you've run out of; discover new uses for the things that you already have; and you'll keep that shopping list shrinking month after month.


Make It Last

Squeeze more life out of everything that you own, and you won't have to squeeze as much money out of your budget for replacement items.


Do More for Yourself

A recession is a great time to learn new skills and to brush up on old ones. Adopt a "can-do" attitude, and you won't have to pay others to do things that you can do for yourself.

Make Your Own Bread
Make Your Own Ingredients
Learn how to Preserve Foods
Make Your Own Cleaners


Increase Your Income

The unemployment rate tends to go up during a recession. Protect yourself by finding ways to boost your income. Multitask ( How To Multitask), check the various ways of new income on our right side bars. A recession is a time to think creatively, to earn creatively and to live creatively.


@Dillionworld

WHY YOU ARE NOT MAKING MONEY FROM BLOGGING

To make money blogging, you’ll have to get creative to escape that context, the same way musicians had to get creative to make a living when free music sharing and free downloads became the norm. A lot of bloggers have written about the technicalities of blogging and making money online but one of the most important; yet ignored subject is “the attitude or mindset required for success in blogging.” Statistics proves that over 80% of bloggers will not achieve beyond average even though they have all the money-making tips, software, ebooks and techniques at their finger tips. The problem of these 80% bloggers is not the business model they chose, the software/tools they use or the techniques they apply; the problem is the mindset with which they go about their blogging business.

So in this article, I am going to spill the harsh truth on why I strongly believe you can’t make money blogging like the probloggers.

1. You are too focused on the goal

Yes, the first reason why you won’t make money blogging is because you are trying too hard to do it. Go to popular internet marketing forums and blogs and you will see individuals talking about their goals to make N10,000 or N100,000 monthly. Now money and profits is one of the objectives of every business but it should not be your primary aim. The problem with focusing too much on the goal to make money is that you tend to lose your enthusiasm if you fail to achieve your goal within the stipulated time frame.

To every sensible pursuit in life, there’s a process and it’s this process that brings about results. Now what most bloggers fail to understand is that the process to achieving a goal is more important than the goal itself. The process to building a successful blog is more important than the money that follow suit; because once you have successfully completed a process and mastered it, such process can be replicated as many times as possible. This is why I always emphasize bloggers focus more on the process than the goal. Do the opposite of this and you may hit the goal but you will only be a one-time hit; a fly by night blogger. You will never stand the test of time like the pro-bloggers.


2. You want to make money overnight

Why do you play the lottery, bets, gamble and speculate on stocks? The answer is that you are probably trying to make a one-time kill; you want to succeed overnight. If you are in the category of bloggers trying to make money overnight, then I am sorry to say that your dream may never be realized and that’s the truth.


“I often hear people say that the Rich Dad Company is an overnight success and I think it is a fact; but it took us ten years to get there.” – Robert Kiyosaki

Take a critical look at the probloggers earning an average of N50,000 and above monthly; you will observe that none of them achieved the feat overnight. It took them years of hard work to get to their present income level; why should yours be any different.

3.You are not disciplined

Lack of discipline is another reason why you will never make money blogging. Most bloggers take the pain to set goals, write plans and establish priorities but they fail to succeed because they lack the discipline to either execute their plan or stay focused on their plan. I have seen individuals jumping from one money making scheme to another; I have also seen bloggers jumping from one monetization strategy to another, or from one niche to another in pursuit of the holy grail.

To succeed in blogging and become a problogger, you need to establish your priorities and focus on it. You need to choose a course and focus on it. Focus! Focus!! Focus!!! I can’t emphasize this enough because it is a vital key to success but everyday; I see bloggers breaking this one rule. Every day; I see bloggers trying to start 10 blogs at once rather than focusing on one until successful. Don’t make this mistake.


4. You are simply lazy

“Excuses cost a dime and that’s why the poor can afford lots of it.” – Rich Dad

Many bloggers dream and fantasize about becoming the next problogger but only few will lift a finger to do something. Most bloggers are simply lazy; they would rather surf the web reading income reports than writing articles. Rather than take the pain to write guest posts; they would prefer to hang around in forums looking for the next push button SEO technique.

From personal observation, I have observed that being very busy is the new type of laziness. I have come across internet entrepreneurs who swear and lament over how hard they work and how much time they spend online but if you take a closer look at how they use their time online; you will notice that their time online was spent doing unproductive things. To become a problogger, you need to get down to the task of writing articles, networking, publishing guest posts, interacting with readers, etc.


“We live by hope; but the reed never becomes an Iroko tree by merely wishing.” – Anonymous


5.You are spending money wrongly

One of the problems bloggers face is that of budget allocation. Most bloggers spend money on frivolous things; rather than the important things. Go to forums and you will see bloggers and internet entrepreneurs bragging about how expensive and beautiful their blog theme is. You will see people talking about the next fastest software, plugin and push button system. The truth is that such things won’t work if you are not prepared to work; your tools will only be as effective as you are. Stop spending money on frivolous things; spend money like a business owner, spend money with your eyes on the bottom line. If a tool is not going to increase your profit or efficiency in the short or long run; forget about it and invest in the little things that matter.


6.Blogs are not Television

Television networks produce entertainment. They either make money from advertising or, for premium cable channels, from subscriptions.

If you want to watch "Game of Thrones", you have to watch ads.

Advertising can work on some content web sites, but it usually works best when the reader is coming to the site to figure out a solution to a problem. When you even cover the contents of your blog with ads, how do you expect to make money? If you want to make money in the real world, solve real problems.


7.Being a problogger is beyond your reality

As a man thinks in his heart, so he is. If you can’t see yourself a problogger, you will never become one no matter how hard you work. You are what you think you are. It is as simple as that.

How to achieve your goals:
In conclusion, I will advice you retake a critical look at the tips above and consider any that may hinder the realization of your goal and analyze why you can’t get into list of pro-bloggers and scrutinize yourself, make the necessary adjustments and I will see you at the top.

I know that you are reading this article because you want to make money blogging or you want to make money online. Get our MOST-READ manual on GUARANTEED ways of making money blogging "BLOGGING FOR MONEY". After going through the manual and you haven't started making sufficient amount blogging within 3 months, we will pay you sure $100 USD. The cost of the manual is N5,500 only ($18 USD). This is a discount price. On Clickbank, the manual is still selling at $30 USD.  This is a good opportunity to grab the manual now. We can also setup a blog for you, either on paid platform or on free platform.


To order for the manual, contact:
+2348035217265
tochukwudike@gmail.com
sales@dillionworld.com
info@dillionworld.com



contributors: A.J. Martins, M.D. Tochukwu(DillionWorld®) and Jimmy White.

What You Need To Know About Working Online

We previously looked at the three main reasons why most digital marketers fail. And here’s those reasons again:

Information overload
Self-sabotage
Lack of experience

Now you’re probably figuring out by now that we’re going to talk about how to overcome each of those problems. But that’s not necessary right now. Instead, we’re going to look at 2 steps you can start using TODAY to grow, build, and profit in your online marketing career.


First off, ask yourself if you’ve got a clear, actionable strategy plan in place. If you haven’t yet started making money online, then if this is just one thing that you will achieve today, make sure you pay close attention to what we’re about to share. You see, it’s all well and good telling yourself you’ll launch a new blog, promote yourself on freelancing websites or find clients in your local area.

But unless you’ve got a detailed action-plan, you’ve got nothing to follow. Which brings us to step #1.


1. Creating A Plan For YOU
A clear, well-structured and detailed plan means you stop worrying about what you could be doing and instead focusing on what you should be doing. It doesn’t need to be super-complex. But make it detailed enough so you have a good idea of what you’re going to be trying to achieve each day.

Here’s what we’ve found the top marketers include in their action plans:

*Set weekly & monthly schedules
*Allocate time to research your market and industry
*Set yourself milestones
*Create SPECIFIC goals (for example: ‘Write blog post Monday between 11am-1pm’)
*Give yourself time to focus on learning. *Read blogs, browse forums, and reach out to fellow marketers

Now they’re just a few of the things you can include. Try to create your plan so your life becomes as easy as possible. It’s all about knowing what you want to do, so when it comes to it, you CAN do it.

IMPORTANT: Try to create this plan BEFORE you start any new project. By putting it together as early as possible you allowing yourself to approach tasks in a non-rushed approach, as well as ensuring everything is planned correctly. So now let’s look at the second step.


2. Managing Your Time
Time management is something nearly all entrepreneurs struggle with. Whether it’s hitting deadlines, sticking to timeframes, or defeating procrastination, using your time wisely can have a massive impact on the speed it takes for you to be successful.

While there’s no ‘one-size-fits-all’ solution, one of the best ways of managing time is to have a reliable outline of all the tasks you want to achieve in your day. (See how it ties with step 1?) Split your working day up into manageable chunks, and make sure to take regular breaks. It might seem like there’s a never-ending stream of work for you to do. and we’re not advocating putting everything off.

Keeping in mind, if you're not allowing your body to refresh:

*Your productivity will decrease
*You'll find yourself unproductive and frustrated
*You run the risk of burning out

Some marketers work an hour, then have a 15-minute break. Others work for a half-hour, then take 5 minutes off. It’s all about finding what works for YOU, and building your daily routine around your preferences.

Take some time figuring out what works best for you, and once you’ve got a more-defined structure in place. and you manage to stick to that plan. You’re going to start seeing success a LOT quicker.


Now we’ve covered some of the reasons why marketers fail. and some of the most effective ways of overcoming these failures.

In two days time from today, we’re going to look at what type of online business you should start and guaranteed ways of making steady income from blogging.

Whether you want to be a freelancer, an affiliate marketer, or blog writer, it’s important to realize each industry requires different skills. Figuring out which is best for YOU is incredibly important, as it means you’ll have more passion for your work and allowing yourself to make more money, in less time.

DillionWorld®

first appeared on Warrior Forum

Guaranteed Way Of Making Enough Money From Facebook

SPONSORED:

UPDATED: May 8th, 2018

Many people think that FB is just a social networking website and you can use it only for entertainment or time pass, but only few people know that you can use Facebook as a cash cow. But it’s possible only when you’ve a perfect strategy and a complete step by step blueprint. Facebook has more than 600 million users today and it’s a huge market. If you learn how to monetize this market then you’ll start making money in no time.

Few months back, after spending a lot of time and efforts, I developed a really powerful method to make money with Facebook. I call it - “Facebook Wealth Formula” (FWF). Using FWF you can make not less than $100 a day from your own Facebook account and you don’t need to have any prior experience or special skills. Sounds interesting? Then please keep reading… Reading this whole page will take only 3 minutes, but it can be a turning point of your life!

Usually, I sell FWF at a high price on the websites like Clickbank and Amazon but because not every one is capable of paying the money which might be high to them, so I’ve created this article solely for the purpose of giving away the copies, at a considerable LOW COST! Yes, Low Cost.

I know that there’re a lot of newbies who’re struggling to make a fortune on the internet. So, by offering these “low Cost” copies I am helping them to get started, fast! For your kind information, I would like to tell you that while you’ve access to it at low cost, FWF is still selling for a high price on Clickbank. All of my paid customers are really very happy. Most of them have started making money with Facebook within just 2-3 weeks.

The updated FWF comes as a PDF file which contains TONS of screenshots and every micro detail about this method. After reading it, you’ll learn how to make $100 a day from your own Facebook account even if you don’t have any website or a product to sell. Yes, you read it right!  After reading this PDF, anyone can make $100 a day from it’s Facebook account with total ease.

Because, I am not charging, much when compared to what is obtainable on Clickbank, so there’s no need to “lure” you by showing any income or traffic screenshots. But still just to tell you how powerful this method is, I would like to share some of the income screenshots below.  I spend not more than 30 minutes a day to keep this system running and still make a killing out of it.


* Make 5000 Facebook friends in just 7 days, straight!
* Get 50,000 Facebook “Likes” in just 30 days, AUTOPILOT!
* Get "laser" targeted traffic to your websites and blogs.
* Make over $100 a day, even if you don’t have a website or a blog

Not Only This…

* You won’t have to be an SEO or Facebook expert.
* You won’t have to create or develop any game or application.
* You won’t have to join any Facebook fan page or group or something like that.
* You won’t have to write articles, SEO contents or anything like that.
* You won’t have to send email or call anyone.


You Don’t Even Need A Website Or A Product

You can use Facebook Wealth Formula and make $100 a day even if you don’t have a website or a product. Yes! You can use it to sell products as affiliate on Clickbank and make a killing out of it. No investment is required to join Clickbank and commissions are INSTANT and, you can get your money down to your bank account.
One day, I taught it to my close friend and she found is very easy and started using it on Clickbank immediately. You know what happened? Here’s the screenshot of her Clickbank account after working for around 3 weeks.
See Result
(Latest April 2016 Earnings Screenshot)

This System Is Really ‘Consistent’!

This system is very consistent, if you spend just 30 minutes to 1 hour a day then just within 30 days you’ll be making over $100 a day very easy. It will keep working, week after week and month after month. It not simply works but will become even better day by day.


You Won’t Have To Worry About Google!

Another best thing about this system is that it doesn’t rely upon Google traffic. Yes, you get all the traffic from Facebook and you won’t have to think and afraid of Google shutting you down. You might have heard a lot that people always keep complaining that Google has stopped ranking or has de-indexed their website. Using FWF, you’re simply out of risk.

Here is the summary of how you will be making the money:

**Create new Facebook account ( we will show you the type of account to create).

**Make new friends ( you will get to learn how to make over 5000 friends from any country of your choice  in 3 days)

**Create new Facebook page (you will learn how to create a market-killer page) and start making the making through promotion.

**From day one, you will make at least $50 per day for a start guaranteed.

**You will learn how to get your money into your local Nigeria bank account also.

To learn more or for inquiries, you can call, WhatsApp or send a mail. See contact details below.


It’s my personal guarantee that you can applying FWF you can make money from comfort of your home and can quit your 5-9 job. If you know how to use Facebook, then you should NOT leave this method without applying. Because, it’s going to change your life very soon.
So waiting for what? Go and grab a copy NOW, it cost N2,000 ONLY!
You will also get after sales assistance and other freebies to ensure that you succeed.
These also comes with money back guarantee.


To order for a copy, contact
+2348035217265
dillionworldblog@gmail.com
tochukwudike@gmail.com