Money Saving Tips to Send Your Debts to Oblivion!!!

New Year means new moves.

As we said sayonara to 2007, we bid hello to a year of fresh starts. And what way to start this year than to trim down on our debts.

I know, everyone of us have debts in one way or another. Maybe painful to admit, but borrowing is something that is almost next to the inevitable things on earth. Once or more occasions in our lives were forces to owe someone money. We make promises to pay them off as soon as possible but they end up piling faster than the birds migrate south during winter.

Slowly but surely

There have been a gazillion money saving tips on being debt-free in this lifetime and we tend to take them seriously at first but eventually we fall from grace and set them aside with the thought of a promising tomorrow. But thing is, they won't go away when we wake up. They'll hunt us till we want to just sleep all the time so we don't have to stressed out. So, here are five money saving tips on slowly but surely taking out debts out of our system.

1. Don't treat the past as past

When it comes to debt, anyway. Surely, we had things that we regret spending on. So, the first way to being debt-free is to take note of our "spending shortcomings" in the not-so-distant past and make sure that we will NOT do them again. Looking back isn't enough, learn from them.

2. Put pay the bills on the of your must-do list

This may sound stressful because we all try to evade bills talk as much as we can. But facing the reality that they will be there even if we move houses will lessen our worries. Make sure that your first priority on pay day will be to pay the bills.

3. Flush a portion of your bonuses to your outstanding debts

The last month of the year was THE month for bonuses. So, if there's still something left, use them to pay your debts.

4. Pay-off your outstanding credit card balances

Be content with just one card. If you have more than one, examine the one which you regularly use and a higher limit and payoff the ones which you rarely swipe. This way, you have gotten rid of a considerable percent of your debts.

5. Keep track of what you owe

Adding to this tip, check them regularly. It's somewhat stressing but the rewards are very fruitful. For a more interactive approach, you can log on to geezeo.com and wesabe.com. These two websites will be able to show your financial activities.

6. Earn extra

Sometimes, no matter how we live frugally, it all comes down to the fact that we don't earn enough. So, why don't you opt for a second job. It may be lesser hours or a full-time one but the bottom line is, we need to earn more to get rid of our debts and by earning more, we owe less.

Easier said than done

Know that these money saving tips spell easy to do. Decreasing our debts is hard to do. The challenge is to do them one day at a time.

Making Money With Google AdSense Referrals - Quick and Fast Way!!

Google came up with new product in AdSense called "Google Referals". Making money online is a lot easier using it, and it involves very less effort but a careful planning. Below is the information that will definitely excite you to start earning and make your way towards your financial freedom just by using AdSense.

1. With AdSense you can place advertisements and search boxes on your websites, blogs, forums etc. For every click you get on advertisement on your site you will earn money. Also for every search query through your website, you will again earn money.

2. When a publisher who signed up for AdSense through your referral earns $5.00 within 180 days of sign-up, you will be credited with $5.00. When that same publisher earns $100.00 within 180 days of sign-up and is eligible for payout, you will be credited with an additional $250.00. If, in any 180 day period, you refer 25 publishers who each earn more than $100.00 and are all eligible for payout, you will be awarded a $2,000.00 bonus.

3. You will earn up to $ 1 for every Mozilla Firefox downloaded and installed through your account.

4. When an advertiser who signed up for Google AdWords through your referral spends $5.00 (in addition to the $5.00 sign-up fee) within 90 days of sign-up, you will be credited with $5.00. When that same advertiser spends $100.00 within 90 days of sign-up, you will be credited with an additional $40.00. If, in any 180-day period, you refer 20 advertisers who each spend more than $100.00 within 90 days of their respective sign-ups, you will be awarded a $600.00 bonus.

5. When a user downloads and installs at least one component of Google Pack through your referral, your account is credited with up to $2.00

Besides their own products, Google referrals pay out quite well for almost all categories of products. Starting right from electronics to pet supplies, Google referrals has great payout schemes for all categories.

To start earning from Google Referrals, you need to have a Google AdSense Account.

Easy As Pie Steps To Profiting With Free Blogs Within 72 Hours!!!

One easy way to start profiting online is through the use of free blogs like blogger.com

It's a technique I use everyday and I suggest you try it out if you've never made money online. Even if you make money online already, it won't be a bad idea to add another income stream to your current portfolio.

Follow the steps below and you'll be earning money within 72 hours. Although what you'll be earning immediately might not be much, but it will put you in a good stead to achieving greater things online.

Step 1: Think of a topic know.

I don't know what your interests are. Maybe basketball, cooking or what have you. Think about what you're passionate about that you can talk and talk about without
getting bored.

Step 2: Get a blog.

As soon as you finish reading this article, go to blogger.com and sign up for a free
blog as start post a welcome message right away.

Wait for a couple of hours and put up another post. You don't have to be an expert writer. Just write like you're talking to a friend.

Step 3: Sign up for Google AdSense.

This is the fastest way to monetize your blog. There obviously more ways to profit from your blog but AdSense is no doubt the fastest way. Remember we have a 72 hour deadline. Google will reply you within 48 hours and you'll be provided with ads to display in HTML code. Stream the ads right away.

Step 4: Tell your friends.

Just send out an email to your friends telling them about your blog. It will be better if
you've got friends who are interested in the topic being discussed on your blog.

Encourage them to recommend it to their other friends. Do this aggressively for 24 hours and watch the reactions.

People will come to your website and click on your AdSense and you'll be making some
bucks online within hours. Don't tell them to click on the ads because it's violates Google's terms and conditions which will get you banned for life.

Give it a shot and you'll be smiling soon.

Adsense Secrets

Pst! Wanna know some Adsense secrets? The only secret is that there are no secrets per se!

Do a search for Adsense secrets and you will be bombarded by a myriad of ads by trying to sell you the answers to making lots of money with Adsense.

Before you buy anything, my advise to you would be to do some research on a search engine and a bit of common sense. There are literally hundreds of forums where you can pick up valuable information, as well as hundreds of articles that have been written on the subject of Adsense.

Most of the answers are out there for you to find it you will put in a little bit of work. If you buy any of the ebooks available out there, you might find one little nugget of information that you may not have seen anywhere else, but I promise you: most of the time everything is out here on the Internet - all you have to do is search for it. Here are some of the search terms that I personally have used with great results:

increase adsense income

increase your adsense income

adsense experiments

adsense adsense tricks

adsense tips

What I can tell you from my own experience is this:

1. Ads at the top of the page and on the left of the page perfom better than any other ads. (Take a look at the "heatmap" from the Google link below)

2. Ads without background colour and borders perfom better than ads within borders with background colour.

3. Ads within content pages perform better than any other ads.

4. A search box on every page gives you another chance for earning Adsense income.

5. A blue link at the top of the ad, the ad in black, and the url also in black so that it blends in with the ad copy - also tends to perform well. A black url makes the link stand out and gives you a better chance of someone clicking on it.

Google has brought out some great Adsense optimization tips. You can read it here: Google Adsense optimization tips

Experiment with your settings and see which brings you the best results. Google's reporting has become a lot better in the last month or so, so you should instantly be able to see which ads result in better CTR.

To increase your site traffic, which obviously will increase your Adsense income, the best way to get traffic is to have fresh content at your site. Write your own articles and submit it to article directories like Go Articles etc. To find more article directories, just do a search for "free article directory submissions" on a search engine like Google.

Another way would be to publish articles by other authors that are relevant to your site content. You can find free articles all over the web by once again doing a search for e.g. "free site content".

Do this on a regular basis and watch your traffic (and your income) increase

How Much Do You Need To Earn Per Hour To Achieve Your Yearly Financial Goals!!

Have you ever asked yourself what your highest income producing activity is?

If you’re like most people you probably go about your day-to-day business never really thinking about the moment to moment activities that consume your day.

I’d like to walk you through an exercise that has helped me and my clients really stay focused on earning their highest possible revenue per hour.

Let’s assume that we each start with 365 days in a year. If we take away the following:

• Weekends- 104 days
• 5 major USA holidays
• 2 weeks of vacation
• Personal religious holidays – (average 3)

That leaves each one of us with approximately 238 days in order to earn the income we desire. Of course we can add or delete days based on our own schedule and desires. If you multiply these 238 days times an average of 10 working hours per day, you are dealing with 2,380 hours of real work time for the year. So let’s do some math. If your yearly income goals are as follows…

• $25k = you must be earning an average of $10.50 every hour of work
• $50K = $21 per hour
• $100k = $42 per hour
• $250k = $105 per hour
• $1 M = $420 per hour
• $5 M = $2100 per hour
• $10 M = $4200 per hour

In order to earn the income per year that you really want, you absolutely must be doing activities every hour that line up with this chart. If you catch yourself doing anything that isn’t your absolute highest producing income activity all the time, you are in effect making it much harder to achieve your desired financial goals. In other words:

Which activity or activities generate your highest producing income?

Consider these:

1. What are you spending your time doing?

2. Are you focused on the real moneymakers or the real time wasters?

3. Are you making it easy for yourself to be a high-income earner or are you doing the things that can be done by someone whose income goal or ability is less than yours?

When you start to look at each hour this way, you’ll stop doing the small stuff and you’ll start doing the real high producing stuff that yields results. Just look at your most recent 3-5 days and count the number of hours you spent really making the big bucks vs all the stuff that creeps up on all of us.

It is a Challenge to Succeed

(excerpted from The Challenge to Succeed audio series)

It is a challenge to succeed. If it were not, I'm sure more people would be successful, but for every person who is enjoying the fruit from the tree of success, many more are examining the roots. They are trying to figure it all out. They are mystified and perplexed by what seems to be some strange, complex and elusive secret that must be found if ever success is to be enjoyed.

While most people spend most of their lives struggling to earn a living, a much smaller number seem to have everything going their way. Instead of just earning a living, the smaller group is busily engaged in designing and enjoying a fortune. Everything just seems to work out for them. While the much larger group sits in awe at how life can be so unfair, complicated and unjust.

"I am a nice person," the man says to himself. "How come this other guy is happy and prosperous, and I'm always struggling?" He asks himself, "I am a good husband, a good father and a good worker. How come nothing seems to work out for me? Life just isn't fair. I'm even smarter and willing to work harder than some of these other people who just seem to have everything going their way," he says as he slumps into the sofa to watch another evening of television. But you see you've got to be more than a good person and a good worker.

You've got to become a good planner, and a good dreamer. You've got to see the future finished in advance. You've got to put in the long hours and put up with the setbacks and the disappointments. You've got to learn to enjoy the process of disciplines and of putting yourself through the paces of doing the uncomfortable until it becomes comfortable. You've got to be prepared and willing to attack the challenges if you want the success because challenges are part of success. Now that may sound like a full menu of activities, but let me assure you that the process of going from average to fortune isn't really all that difficult.

Thinking about it is the difficult part. Anticipating all the effort and the changes and the disciplines is far worse in the mind than in reality. I can promise you that the challenges you'll meet on the road to success are far less difficult to deal with than the struggles and the disappointments that come from being average. Confronting and overcoming challenges is an exhilarating experience. It does something to feed the soul and the mind. It makes you more than you were before. It strengthens the mental muscles and enables you to become better prepared for the next challenge.

I've often said that to have more, we must first become more, and to become more, we must begin the process of working harder on ourselves than we do on anything else. But in addition to gathering new knowledge, new skills and new experiences; it is also important to discover new emotions. It is how we feel about what we know that makes the biggest difference in how our lives turn out. How we feel about the chances we have and the choices we have determines the intensity of our effort. Whether we try or don't try. Join or don't join. Believe or don't believe.

I'd like for you to discover some strong feelings about your life and about what you want to do with that life. You probably have much of the knowledge and a lot of the experience and perhaps most of the skills that it takes to become successful. What you may be lacking in are the strong feelings about what you want and what you want to do. You may be one of those who have become so involved in the process of earning a living that you've forgotten about the choices and the chances you have for designing your own life.

Let these strong feelings help you take a second look at your life and where you're headed. After all, you've only got one life, at least on this planet. So why not make it an adventure in achievement? Why not discover what all you can do and what all you can have? Why not discover how many others you can help and in the process how that can help you?

Why not now take the Challenge to Succeed!

Free Internet Marketing Tips - 3 Easy Ways to Get Your Hands on a Product!!

So you want to start a work from home business? Don't know where to start? Take advantage of these free internet marketing tips and get you dream off the ground today.

The very first thing that you must realize as an aspiring internet marketer is that you must...I repeat...must have a product. A product can be an e-book, report, or even a service.

Where can I get a product?

Now that you understand that you must have a product to start a profitable work from home business, we will continue by giving you some free internet marketing tips and point you in the right direction.

1.) Private Label Rights Products

These are products that other marketers have developed and will sell you the rights to. For a fee you will be given the right to claim the product as your own, re-brand it as your own, and claim authorship. You can then market the product as you see fit.

2.) Create Your Own Product

You can write an information e-book on a subject that you either know well or have taken the time to research thoroughly. There a so many hot topics that could earn you a very nice income but detailing them lies beyond the scope of these free internet marketing tips.

3.) Affiliate Marketing

This is the process of selling products that have been created by others and earning a commission on each sale. There are a number of affiliate marketing sites that you can use but the two biggest are Clickbank and Commission Junction. Visit their individual sites and you will be presented with hundreds of "turn key" products that you can start working with as soon as you sign up.

If you really want to start a work from home business use these free internet marketing tips to give you a leg up on the competition.

Copywriting Tips - 3 Killer Copywriting Tips For Beginners!!!

If you're brand new to the world of copywriting, these three tips will improve your sales copy at least 100%. I had to find all this out through a lot of trial and error and some intense study. So consider yourself lucky that I'm probably going to save you months of work, if not more. So sit back and relax. You're about to get a million dollar education for free.

Tip number 1 is study the sales copy of what is out there and doing well. Ah, but how do you know what sales pages are doing well? There is so much sales copy out on the Internet there is just no way to tell what sales pages are selling and what pages aren't doing squat. Well, here's a shortcut that you can take. Go to the Clickbank marketplace and do a search in each of the categories for the top selling products. Regardless of whether the products are good or bad, the reason they're selling is because of the copy. Study each sales page and make a note of how they're constructed. You'll save yourself six months of study right there.

Tip number 2 is work on your headline harder than any other part of your sales copy. Why do I say this? Because statistics show that your headline is going to bring in about 80% of your sales. In other words, if your headline stinks, you're going to lose 80% of your income. The reason for this is because when a headline is really good, it forces the prospect to read the rest of the copy. If your headline is dull or lackluster, the prospect may not even make it to the first paragraph. So slave over your headlines until they are to die for.

Tip number 3 is to close with a call to action that doesn't say something lame like "You can get your copy by clicking on the link below." That is NOT going to get people to buy the product you've written the sales copy for. You have to say something like what I have on one of MY sales pages. It goes like this...

Okay... You've Convinced Me!

Yes! I Want 30 Niches Handed To Me On A Silver Platter!

No! I Don't Want To Pay $100,000 For This Info!

Yes! I Want To Be Earning In Days!

And Yes...You Are Crazy...But I Want This Anyway!

That is how you have to close. You have to put the words into their mouth that they WANT what you have to offer.

Follow these three tips and your conversions will increase by 100%

AdWords Tips - Why Newbies Fail..!

The infamous Google adwords, where men are men and the newbies get eaten by the sharks. The premise behind using adwords is very simple. You write a simple three line Advert and bid on keywords to get your Advert shown. If people like your Advert and they think it will solve their particular problem then they will click on it and you will be charged. Now, you need to ensure that you are earning more than Google charge you and this where the majority of people fail.

So why do people fail?

Google has a very steep learning curve. Many people who are new to the adwords system use too many keywords in their ad groups. They fail to have tightly focused adgroups with relevant keywords and matching landing pages. Having 100s of keywords in one adgroup pointing to one landing page is not the way to use Google adwords.

Not split testing

The key here is to split test your adwords adcopy. Split testing ensures that you are constantly testing and maximizing ad performance. The adwords pros constantly test various ads and keyword groups to ensure that each group is giving the desired return on investment (ROI)

Tracking your clicks. You should be able to establish which adgroup is getting you the sales. The worst thing you can do is not know which adgroup and keywords is giving you the profits. You are throwing money down the drain if you fail to do this. Failing to capture targeted traffic

Many newbies bid on keywords that are too broad. Example Golf.

Lets say you are selling a book about golf putting tips and you are bidding on the golf keyword. These searchers could be looking for anything golf related from golf clubs to golf vacations. You will get a load of curiosity clicks but sales will be very few as the traffic you are targeting is to broad.

What you should be doing is bidding on all the golf putting tips keywords. That way people looking for golf putting tips will be targeted for your Advert. These are just a few tips to get you started on the Adwords ladder. There is a lot to learn.