Budgetingwith Wisdom
Everyone needs a budget, but not everyone can make or keep a budget, even though a good budget can free your soul from worry and stress.
You remember the wisdom in Proverbs 21:2 “The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.” And, we all know that person whose inability to make a budget leaves them in debt. Being in debt leaves them vulnerable to the predators with ‘get rich scams’ that promise them everything but take their money.
These people are the same people who find themselves unable to move forward in their lives because they have never been taught the money planning skills that are part of budgeting. The inability to budget can mean an endless cycle of late fees, service charges and penalties that people struggle to keep up with.
That struggle means that a smart and able person may find themselves living in their parent’s home or a friend’s basement with no real hope of getting a car, an apartment or a house. Once again this is echoed in Proverbs 25:28 “He who has no rule over his own spirit is like a broken down city without a wall.”
Now you have the tool to not only become diligent – but to also fix that city and build a wall!
Finally, please keep in your heart the message of Luke 14:28-30“For which of you, intending to build a tower, does not sit down first and count the cost, whether he may have enough to finish it; lest perhaps, after he has laid the foundation and is not able to finish, all those seeing begin to mock him, saying, This man began to build and was not able to finish.”
Start a brand or start a gallery, if you've ever wondered how to get launched in your Dream Career, this book gives you the great general information on how to start a fashion brand to how to drop ship. If you are interested but not ready for a business plan this is the information you need.
Now less than $7.50
This collection is inspired by many historical Queens. Using combinations of colors and shapes, I translated my experience of what these women did and what they stood for into fabric art to inspire you to learn more about and also be inspired by these amazing people:
Empress Myeongseong,
Queen Chand Bibi
Queen Kandake Amanirenas
Queen Yaa Asantewaa
Queen Njinga
With a small investment you can bring healthy meals, employment and Hope
You Could be the Next On-Line Selling Success Story if you Can Follow These Tips:
Whether you have a seasonal shop or you have just decided to start with on line selling, there are many things that will affect your success – meaning your profit.
If you have never had a shop or worked in a shop, you may think all you have to do is buy a box from John and sell it to Mike for more money. And that is true. But between the time you buy the box and sell the box, you have to take the box from where you bought it, put it on a shelf in your shop or storage area, and either wait for Mike to come and buy it or you have to take time to let everyone know that you have it- then you have to wait for Mike (or another person) to come and give you money. It doesn’t stop there. You may have ‘helpers’. You have to pay them, even if they work only three hours a week. You may have to pay rent on a store front or storage unit. There are a LOT of things from taxes to boxes that you will need to know about.
The truth is, you may need to know what you need to open a successful business before you quit your current job or invest your money in it.
So, always remember:
Don’t cave in to pressure. Walk away from a person or website that insists that you have to spend a lot of money to ‘join their program’ – but will not give you details of that program. For less than $20.00 you can get books that will teach you about businesses from ‘Dropshipping’ to ‘Carpentry’ without spending 20 hours and $500 listening to a person tell you how rich they became, and giving only sketchy details. (Here is the secret- They became rich by giving $500 a seat 3 day seminars on how to do something they did little more than break even doing.)
Two years of financials are NECESSARY before you buy an existing business. Even if you have visited the shop for years, you have no idea what is going on with the accounting.
Get a business plan for the type of business you are interested in and read it first. You want to avoid getting trapped owning a business that you hate or that will not quickly make as much money as you planned.
Yes, that is true, if you just take the time to learn your options and study them you will be on the road to starting a great business that you can enjoy!
Planning for Success:
Successful Websites Take ‘Marketing Magic’
It takes a little Marketing Magic to make your website successful.
One of the big problems many people have happens after the time and money have been spent to build a website. The smart business person will have not only created an attractive website, but also populated it with their products (if it is a retail site) or articles and advertising (if it is an information or entertainment site).
The savviest entrepreneur, however, may not take into account the multidimensional aspect of an online business. If you are a HVAC company – for example – you may have the website only to support your locally based business. You do not sell directly on line, but you want to have customers have a way to contact you for a service that will be performed in their homes. You may not find it necessary to heavily advertise your on-line presence, so you use the internet as a business directory.
Everyone else MUST rely on the internet to get the attention of more than just the people within a sixty mile radius. You need to use the internet to gain the attention of people worldwide. You cannot do that if your business is in the basement of a building that is under a tent in a courtyard off an alley surrounded by windowless buildings that are abandoned on an island that is guarded by angry guards.
That is where your internet business is unless you remembered to take steps, earlier.
Yes, it is very hard to get to that building. Advertising is important, but even more, you need to optimize your website so search engines like Google and Yahoo ‘like’ it. To do this you select ‘key words’ relevant to your website – ones that are repeated on your website, and you or the person who built it will manage those keywords so your website is one of the results when those words are searched.
Additionally you should create links to your website in social media. You must encourage people to visit the website and like or promote it on Instagram, Facebook and other media. Many companies will do these services for different levels of fees.
Promote your website right and get off the dark shrouded island of despair and into the ‘super mall’ of profitability.
Now...
YOU
Can see what it takes to open a successful boutique or store.
This plan will help you learn what you need to put together this successful business.
Starting a new business is a big decision that requires careful planning and research. One of the key steps in this process is to read several basic business plans before deciding what kind of business to get into. Here are four smart reasons why this is an important step, along with supporting citations or quotes.
Gain insight into industry trends By reading several basic business plans, you can gain valuable insight into industry trends and determine what kind of businesses are in demand. As stated by Forbes, "Before you start creating a business plan, it's important to research your industry to gain a better understanding of your competition and target market." By analyzing multiple plans, you can identify common themes and trends in your desired industry and tailor your business to meet the needs of your customers.
Understand potential pitfalls and challenges: Reading business plans can also help you to understand potential pitfalls and challenges in your desired industry. As noted by Entrepreneur, "By studying the mistakes made by others, you can avoid the same errors." By analyzing multiple business plans, you can identify common issues and challenges that entrepreneurs face and develop strategies to overcome these obstacles.
Explore different business models:There are many different types of businesses and business models, and reading multiple business plans can help you to explore these options and identify the best fit for your needs. As stated by Inc, "By reviewing several different business plans, you can gain insight into different business models and decide which one is right for you." By analyzing multiple plans, you can identify what type of business structure and model will work best for your goals and vision.
Develop a comprehensive business plan: By reviewing multiple business plans, you can develop a more comprehensive and effective business plan for your own venture. According to the Small Business Administration, "A business plan is a living document that serves as a roadmap for your business and outlines your vision, mission, and goals." By analyzing multiple plans, you can identify what key components and strategies are most effective and integrate them into your own plan.
In conclusion, reading several basic business plans is a smart way to gain insight into industry trends, understand potential pitfalls and challenges, explore different business models, and develop a comprehensive business plan. By taking the time to research and analyze multiple plans, you can set yourself up for success and make a more informed decision about what kind of business to get into.
Matthew 25:35
For I was hungry and you gave me food, I was thirsty and you gave me drink, I was a stranger and you welcomed me.
Did you know there is a smart New Trick that cafés, restaurants, and food trucks can now use to measure and INCREASE PROFITS. Are you the manager or owner of a restaurant? Are you trying to open a café? Have you thought about bringing a food truck to events? If your answer is YES, then it is time to think about where you will generate profits.
Yes, because you are sharp, you always look at the business climate, market experience, and local value and then assess the type of customer you may be able to attract. You know and you have proven that – if you double your customer flow, you increase your business.
But – what if you had a way to increase your profits without cramming too many customers in one small space? What if you could start or arrange a business in a way that takes multiple factors into account? Are you a clever entrepreneurial type of person who has the ability to see and understand what is happening in the world? Can YOU work with your available resources to make success happen for you?
Yes! RIGHT NOW the world has changed to that both retail shops and the food establishments near them all are able to have an easy pick-up /take-out option as well as curbside pick-up and ‘distanced’ quick-café eat and go options. Guess what? These are the most profitable models. So, what you need to do first is create or buy a basic business plan that lets you look at profits in terms of outfits sold or meals served and not in terms of the number of people crammed in your place waiting to pay at various times during the day.
Whether you have decided to explore a new business or if you are just looking for ideas to make your business better, the one thing all experts agree on is to get the idea written down and SAVED in a place where you can refer to it easily. Then when you are ready, you can pull out your notes, your plan or BOTH and then use the information you have at hand to create the strategy that will make you more than just successful!
Winning at the Lottery –
What to consider when cashing your earnings
Are you between 18 and 64? Then, there is at least a 60% chance that you bought a lottery ticket 7 out of 12 months last year. While there is only a 1 out of 15 chance you would have ‘won’ as little as $2.00 on one of the national lotteries, there is actually a 25% chance that – if you bought 7 of the $2.00 scratch-off tickets, you would walk away with $14.00.
This is possible because of the way odds vary on lottery games. Even the most basic tickets are set with a winnings ratio. Check the back of your ticket and you will see this. So if there is a 1 out of 20 chance that any one ticket of a series will win at least $5.00 then you can almost GUARANTEE you will win $5.00 if you buy 20 tickets.
But you are also guaranteeing that if you spend only $20 dollars on those tickets, you will have lost $15.00 in the process. If you do this weekly like so any of us do, that is almost $800 a year for only a $200 return. If you think of it as a ‘fun hobby’, then shelling out $600 a year to enjoy it, is a lot like talking a weekend getaway: You spent money and you had fun.
If you are working toward a different goal, you may want a better cash reward with your fun.
If you have been spending $20.00 a week on lottery tickets; try cutting that in half and investing the rest in ‘Penny Stocks’.
A ‘Penny Stock’ is a stock issued by a new or small company that is on the fringes of the stock market. They are basically any stock that trades (sells) for $5.00 or less (Yes, the cost of your lottery tickets) They are considered risky because the companies are usually new, unknown, and have new technology that people do not really understand.
At one point, companies like ‘Net Flix’ were considered ‘Penny Stocks’. In January of 2008 Net Flix sold for less than $4.00 a share. How much cash would you have now…if you had bought $40.00 of Net Flix in January of 2008?
So how do you manage to get stocks without a complicated brokerage account costing you $20 a month?
You use an easy investment app like Stash or Acorn. These apps make it so you can actually invest as little as $5.00 at a time. So, for example: Denison Mines (DNN) was selling for around $1.80 when this article was written. There is a long-term growth forecast for the next 9 months. $5.00 will get you two (and a fraction) shares of the stock. If it goes up to $2.00 a share next week you have effectively made more than 40 cents (yes, that is low) without actually SPENDING ANY OF YOUR MONEY. (If you had bought 100 shares, you would have $40.00 and so on.)
So how do you know what ‘Penny Stocks’ to buy? Yes, you are looking for the next ‘Net Flix’ and you do not want to be fooled by a ‘Madoff’, so what do you do?
Stash and Acorn have a search list with good info on many stocks on their sites. You can also do your own research. The finance page of Yahoo is VERY helpful and provides some real time information you can follow before you actually invest. You can also look at emerging industries (Like Net Flix was back in 2008). Who is making the things that YOU want to use? Who is selling the things YOU want to buy? If none of those interest you then look at ‘What industry is about to GROW BIG?’ Look for companies ready to produce computer chips or Lithium-ion batteries, (CMP). Look for companies like Sundial (SNDL) or Canopy Growth Corporation (CGC) that will grow exponentially as soon as Cannabis is legalized.
Then, take your weekly ‘Fun’ money, split it in to two piles and invest half. If your $2.00 stock goes down by 20 cents, you still have the stock and there is a good chance it will go back up; but if that $5.00 lottery ticket doesn’t get you $5.00 then the only thing you won is a trip to the trash can.
You have probably taken one of the following business actions during the last year: Delayed Expansion; Delayed Opening/Starting; Struggled/Struggling By; Closed with the intent of reopening. Now, even though uncertainty remains, a good person of business will start to take a good look to see what – if anything can or should be done to forward their enterprise.
Remember the people you want to purchase your services. They are stressed because they have been bombarded with a thick condensation of what can only be called ‘negatively charged emotional energy’. Everyone has been affected.
So how do you keep your business relevant and in customer’s minds at a time when they are being bombarded with constant and sometimes disturbing media. Sit down and think... ’WHO are your customers?’…’WHAT is bothering them?’ …’HOW can my business make it a little better?’
Make a list …it may be something as simple as extra packing to keep carryout food the right temperature or keeping a display of the ‘most asked for items’ near the counter so customers can ‘dash and go’ or even giving on-line consultations. Then you follow up with advertising. You have to let your customers and POTENTIAL customers know that you are thinking of them and you are offering these things to help make things a ‘little better’.
If you’ve DELAYED EXPANSION, now is the time to look at your plans to see if they are still relevant. You do not want to relocate to what used to be a prime spot if the people you considered your best customers are no longer there. You may be able to rely on delivery and not open a new location at all.
If you’ve DELAYED OPENING or CLOSED with INTENT of REOPENING, now is the time to reevaluate your business plan or get a new one together. What are your regular/potential customers doing NOW? If their needs and wants have changed, now is the time to flex your entrepreneurial muscle and rotate with your base. If you were planning to sell ‘Office Décor’ you may want to pivot to ‘Office Backdrops’.
If you’re STRUGGLING BY, now is the time to ask questions: Are there any other programs I can get? Will my landlord give me a permanent rent break? Are there any Utility or Tax rebates available? Finally – ask your customers – make eye contact – ‘What services can my business offer that will make you want to come here more often?’.
Remember, as you go through your mind and take personal inventory of your plans for the future, above all- think about the needs and wants of the people who visit your business. Don’t forget to also consider: the person who comes in 5 times a week and spends $3.00 each time may bother you with the same joke daily, and you may MUCH prefer the person who comes in once a month and quietly spends $25.00 - but at the end of the year the one has spent $780.00 and the other has spent $300.00 and if either stopped coming in, your business would have that much less money. Customers count, don’t be afraid to adjust your business model to serve those needs.
Awise person once counseled –“You learn from your mistakes.” However, no one wants to make a mistake when your money and livelihood are involved. And even the best entrepreneur doesn’t want to own a business they hate to run. So, how do you avoid expensive mistakes and soul-sucking business involvement? You LEARN about the business!
If you’ve been working in a preschool for 10 years, you probably have enough EXPERIENCE to know that it takes a lot of WORK to look after young children. A person, who has never spent more than 5 mins with a child…even if that person has a college degree, will have a hard time working in a preschool.
What if, while you have been working in the preschool, you have dreamed of opening a Health Food Bar? What if you have spent the past 10 years getting the youngsters to like your creations and the parents and your friends tell you to open your own place?
You KNOW you need to learn about running a food shop, but you are working full time in the preschool. If you cannot go and work in a café – even part time- then you know you need to get the information together and PLAN out your business venture. You need to know how much money it will take to start and where the profits are. It is critical to know how many people to hire, how to schedule them and how to pay them.
A Business plan, if laid out nicely, will help you understand what you need to run your business. You can easily create one using the information found in any college level business text book, and you can always pay your lawyer or accountant to make one for you. Even if you buy one from a service, a business plan will give you information you need to make the best decision on whether to start a business or continue with the job you have.
Best Wisdom
Smart Reasons to READ basic business plans BEFORE you start a business
Queens: A Design Experience
Did you want a
GREAT BUSINESS IDEA
... for a healthy restaurant that you can franchise into a PROFITABLE CHAIN?
Right Now... ‘The Saladry’ gives you the basic starter plan for success! You will get pages of both planning and basic direction. You will get the great sample budgets for this standard café/restaurant basic expenses. You will get approximate staring expenses INCLUDING employee expenses. You receive charts showing you where the estimated profit is. You can follow the budgets as shown or you can copy them out and customize them to fit your vision. That is not all – you get a basic, generic but tasty menu you can print up and use immediately with NO CHANGES. Your food manager can take this to the local market and cook them up immediately or change it to suit local tastes. All food costs are averages, but this book also has a section on what to do when you want to franchise. This could be the best book for anyone considering opening a restaurant.
The SUCCESSFUL STEP
That
Increases
Business Income
Every Month
The Easy Way you can start now to increase your cash flow EVERY MONTH!
Are you having trouble paying your rent? Do you cut employee hours because you can’t pay them? Do you stay closed several days a week because you cannot afford to pay the utilities? This happens to many small businesses – especially when they are just starting. Today’s world offers many challenges to small organizations, especially the businesses who exist to serve their communities, such as clothing boutiques, restaurants and small convenience stores. If you are a small, ‘micro company’, you know the monthly stress you often experience because of a repair bill sometimes less than $100.00.
Because you know that success in your goals depends on maintaining contact with your regular patrons, and establishing contact with potential new customers; you have built and spend money, time or both to maintain a website that shows your stock, menu, available services and hours.
You KNOW that you can use your website to passively generate income for your business, but do you know how to start?
This is so simple, you will laugh when you realize how easy this is! There are many companies that will place interesting yet dignified ads on your web pages and they pay you every time someone clicks on one of those ads. Companies like Bing, Google, Chitika and others PAY YOU as much as 99 cents, every time someone clicks through one of the ads to a website.
...continued...
Psalms 126:2-3 ...."The Lord has Done Spectacular Things for Them."
Love Must Be Sincere. Hate what is Evil; Cling to What is Good.
Romans 12:9
Peacefully Organize and Stop the Evil
By the Sensible Man
- Reprinted with permission and encouragement from www.nodouchebagsallowed.com
Nazis are marching in the streets in the United States, these days. This is a shocking statement to make, especially when, only 65 years ago, this is the same country that fought to end Nazism and Fascism across the planet. Didn't hundreds of thousands of Americans die fighting Nazis? Almost everyone I know had a parent, grandparent, Uncle or Aunt die fighting Fascism. So how is it that the people of the United States Allow Nazis in their streets?
The Japanese government - the Japanese, and remember that Japan was a Nazi ally in WWII the Japanese Government does not allow Nazis to march in the streets. The Chinese government does not allow Nazis to march in the streets. In every single video game, movie and novel written since WWII, we get to relive the reasons why Nazis are evil.
The last time the Nazis and Facists were tolerated, it resulted in the deaths of 85 million people on the planet Earth - and the development of weapons of war that would sterilize this planet, and now these people are just being allowed to practice their particular type of insanity without even a modicum of counseling?
In reality, the tolerance without question of any ideology that preaches hate and eradication of anything that is simply going about its' life and being a productive member of this planet is a dangerous slide into psychosis. It should be questioned thoughtfully and then replaced with the humanity which will guide us with love and joyful bounty to the future.
Americans: You are lucky YOU can write to your senators and representatives and tell them to STOP HATE : https://www.senate.gov/general/contactinformation/senators_cfm.cfm
Everyone else: you can nicely and respectfully request that your American friends write to the people in their government (above) and request, with kindness, that they Stop Hate.
You want to have your own business in the neighborhood where you live. That has been a dream you have entertained daily, but you have not taken that first step because you did not know if you could make a profit. After all, you have heard that 50% of new businesses fail within the first five years.
The fact is that 50% of all businesses started in the USA are still open and running after five years. These businesses are paying their owners and managers a decent income and providing jobs, goods and services and stability to the communities they serve. The businesses that fail do so usually because the owner dies or becomes sick, they are in a bad location, they have bad products and/or customer service, and most of all – they start with no business plan.
But YOU can be successful!
Now you can get the business plan you need to start your own shop or boutique business. A privately owned clothing, fashion or retail store had a net profit margin of 7% in the USA in 2013. In comparison, home furnishings stores had profit margins of 3.98%, computer service shops were at 5.56% and print shops had 1.3% profit margins, which makes a small shop or boutique an ideal business.
If you look at one of the Career Portals available, you will see that a store manager in the apparel/fashion industry made approximately $3,420 per month in 2015. This means that starting a retail boutique shop may be a winner for you!
If you want a business plan, you want a SPECTACULAR ONE - amazing super low price!
Inspire.
If you pour yourself out for the hungry and satisfy the desire of the afflicted, then shall your light rise in the darkness and your gloom be as the noonday. Isaiah 58:10
Rev Up Your Style Game
Wandas Wombats has the unique designs, decor and accessories for your personal style
Make Yourself a Life-Tool For Success!
Have you ever wondered how all of these rich people got and kept all of their money?
1 Samuel 18:14 “And David had success in all his undertakings, for the Lord was with him.”
A certain billionaire was reported to advise people – ‘Save part of your salary first, then you can spend what is left.’ However, most people look at the act of saving like they are depriving themselves of something. Everyone knows that isn’t really true, but the media has us so inundated with material wants that we often feel we are missing something if we do not have that latest and shiniest current fad.
A well planned out budget can put that nagging feeling to rest while insuring that your basic needs are always covered. Having a budget means that you will know what is in your bank account and how much money you will have on a week to week basis for things like rent, food, transportation and, of course, fun.
Proverbs 2:7 "He holds success in store for the upright; he is a shield to those whose walk is blameless."
Budgets for Happiness and Success in Your Life by Excellence-Success could be the Best Budget Book Ever. This book gives you easy step by step budgets that area actually planned out for you on a weekly basis for up to 104 weeks. There are budgets for students saving to move from home, college graduates trying to pay off student loans, and professionals’ earning over $50,000.00 a year. This book has recipes, menu plans and even grocery lists to help you budget wisely and even a section on how to adapt each budget to any every specific need you have.
This is an amazing book for everyone who wants to learn to eliminate debt, save money and become wealthy.
Luke 9:13
But he said to them, “You give them something to eat.”
EXCELLENCE - SUCCESS
Face Masks with Faith
'I Can Do All This Through He Who Gives Me Strength"
One simple thought = Peace and Sanity in times of strife.
Less than $10.00
The New and Stylish Way
to Earn Cash
Now, create your own money-making engine while you work, commute or watch TV!
This is easy and will not cost money to start. You do not need a business plan. You do not need special skills or training. All you need is access to a computer that has a word processing program on it.
How do you make this extra money? You are going to create something that marketers, business owners and advertisers all want, need and use. Once you create it, unlike a restaurant or a store, you can sell the same EXACT thing over and over again. Perhaps it sounds impossible. You do not have to click on something or spend money on anything to start. Right now – you are going to read the steps to create this income stream.
Your computer should have a word processing program – I used Microsoft WORD. Open the program and go to ‘Mailings’. Open ‘Labels’ then open “New Document”. This is the only thing you need.
Now you can create the one thing that every business must have: a long list of customers they can contact with a post card or flyer to let them know about services, special sales and discounts. This is called ‘Data Mining’, and like ‘Bit Coin Mining’ it can become profitable.
Make a ‘GENERIC’ list of people of businesses in a local area that local businesses and retailers will want to use or make a ‘TARGETED’ list of professionals or organizations that you can sell to specific marketers all over the world. Example: You create a list of “Massage Therapists”. Companies that sell massage oils, certain types of medical equipment, therapeutic clothing and furniture and even ‘meditative music’ will want to buy your mailing list. Lists of ‘Addresses near Schools’; Pet Groomers; Auto Shops and Day Care sell very well.
You find these places by doing an Internet Search. Leave your computer open to the ‘Labels’ program then search for ‘Massage Therapists’. You will get a list of names and addresses. Hover your cursor over a name and address. Copy it. Now PASTE that copy in your ‘Labels’ document. Repeat. Each ‘page’ of ‘Labels’ is 33 rectangles. Do this with each name on the list until you have at least 500 names (about 16 pages).
You can do this between tasks at work. You can do this on the subway home. You can do this in the waiting room of the doctor’s office. And once you have the list made, you can and will sell it over and over again, hundreds of times, on websites like Fiverr (www.fiverr.com), Craigs list, and even Facebook advertising. You simply post: ‘Targeted Mailing list – 500+ names’. People and businesses looking for marketing will buy them. Note- The normal going price is $5.00 for 500 $10.00 for 1,000 and $15.00 for $1,500. (…and so on). You do not even have to print the labels. You send the customer the electronic copy and they print it at their office!
The more lists you make – the more you will sell. Whether you sell 5 per week or 500 per week, at the end of the month you will have money in your bank!