Helping You Avoid Life's Financial Mistakes

Stumble Forward Is Getting A Face Lift

February 27, 2009 By Leave a Comment

On Saturday, February 28th and March 1st Stumble Forward will be doing some updates to its system.  This will include back end updates and even a face lift.  You may experience some changes to the site at times.  Don’t worry it’s just us doing some tweeting to the system.

I was waiting to do a few updates to the system for a while now.  Although, with all the updates going on you will still be able to access everything from the site.  Stumble Forward won’t be shutting down at any point just doing some updates to create a better user experience.

On Monday, March 2nd things will be back to normal along with a new post.  I hope this isn’t an inconvenience for you but with a little bit of work and some luck we should have things back to normal next Monday. 

Till then feel free to browse around and sign up to our RSS Feed to get future updates.

Chris

Filed Under: Uncategorized Tagged With:

Part Time Cencus Jobs For 2010 To Help You Pay Off Your Debt

February 25, 2009 By 10 Comments

Are You Looking To Make Some Extra Money

With the way the economy is and jobs becoming a big shortage these days you may be looking for some extra cash.  So if your looking for a way to make some extra income you might be interested in this opportunity.  The cencus bureau is looking for part time workers for the upcoming cencus.

Between February and May of 2009 the Cencus bureau will be looking for workers.

You can check out the cencus jobs here.

Cencus Job Qualifications

In order to get a job their are some things you need to have and do.  Here are a few things.

  • Need to be a U.S. Citizen
  • Need a social security card
  • Need to do 4 days of training
  • Pass a basic exam
  • Pass a background check
  • Need to read write and speak English

Cencus Duties

A cencus worker you will do between 20 to 40 hours per week.  Along with that you will need your own car and phone.

The two main things you will do is be updating address lists and conducting interviews.  You will be given a PDA and the proper materials to do both of these things.

Is This Job For You

This job is perfect for retirees, college students, people who have been recently laid off from work, or even you are just looking for a way to pay off some extra debt and save more money.

So does this sound like something for you?  If it does check out the 2010 Cencus Jobs Website. You will find more info there.

Final Thoughts…

If your considering debt relief options like this this as a way to earn extra money to get out of debt it may be well worth the effort to learn more about this option.

Chris

Filed Under: Business Opportunities Tagged With: ,

10 Tips To Know If You Are Mentally Prepared To Get Out Of Debt

February 23, 2009 By 1 Comment

Are you ready to get out of debt?

You have your budget put together, you know how much extra spending cash you left to work with.  You have your debt plan together and know how your going to pay off your debt.  Finally you even have a emergency fund set up to sock a few bucks away.

But are you really ready?

Are you mentally prepared to make one of the toughest financial journeys in your life?  If this has got you a bit stumped here is a list of things you may want to ask yourself to see if you’re really mentally prepared to make that financial leap into the unknown.

  1. Can You Handle The Temptations.  When you go to the store or shop online can you handle the mental temptations that are screaming in your head telling you to buy this or that.  You know what I’m talking about that little voice in your head that says, ” I would really like to buy that.”  I know these are tough to talk yourself out of but if you can’t break this mental cliff getting out of debt may not be in the cards for you.
  2. Can You Handle The Peer Pressure.  Can you handle when the sales person across the counter is trying to talk you into something you really don’t need.  If a sales person calls you on the phone do you have the power to say NO.  If your easily purswayed to buy something you need to break this mental pressure point before it crushes you.
  3. Can You Stay Focused.  Can you keep your attention on this plan to get out of debt long enough to actually succeed.  Can you keep your focus or do you easily get swayed in other directions.  If this sounds like you, you may have to look into ways so you can stay focused.  Without focus and that ability to think long term about your situation you will always keep falling back into old habits that will get you into financial trouble.
  4. Can You Stay Patient.  Getting out of debt takes time, lots of time.  It’s not a fix and forget type of situation.  You need stay patient long enough at least to see that things are working.  If you just started your plan to get out of debt 6 months ago and haven’t seen much in the way of results and you’re considering quitting, DON”T!  A debt plan can take anywhere from a year to several years to complete. 
  5. Can You Handle Things If They Get Out Of Control.  If you’re in the middle of your plan to get out of debt and an unexpected debt comes up such as your water softener goes out are you going to be able to handle the situation.  This happened to me once on Christmas which made it really hard to deal with.  I had my water softener go out and it was going to be a $1000 buck to fix it.  Luckily we could pay for it but it took about everything we had to do it.  This left us with a not so great Christmas but we managed.
  6. Can You Handle What Others Are saying.  Are others talking about you behind your back.  This is just one of the side effects of getting out of debt.  It may be your friends, family, heck it may even be your own spouse.  The point here is that you have to work past all of this.  In fact my wife had little confidence in me that we could solve most of are financial issues but I just looked past all of it and kept on working at it.  Once she seen that we had more money showing up in are bank account her belief level started to rise and what was once a sore subject to talk about is now an easy subject to talk about.
  7. Can You Handle The Stress.  Getting out of debt can have a very stressful effect on you.  In financial services I remember seeing people dealing with huge amounts of stress.  In fact I even had one particular lady break down and start crying right in front of me because she was in so much debt.  The stress had literally consumed her.  This is why I always recommend rewarding yourself once you pay off a debt.  Happiness relieves stress.  Maybe not all of it but you need a way to relieve your stress so you can at least stay halfway sane.
  8. Can You Keep Your Word.  Doing what you say you will do is very important, especially if it’s keeping a promise to yourself.  Sometimes just being able to keep a promise that you will do something is all that stands between you and getting out of debt.  Can you keep your word to others.  If you have a tough time doing what you said you will do this may lead to people loosing trust in you. 
  9. Are You Willing To Ask For Help.  A lot of us like to be the do it ourself type but you need to be prepared to ask for help.  This may be talking to a friend or family member or maybe somebody more professional like a financial planner, or someone who does debt consultations.  Sometimes this is all you need to get back on track.  I know what your thinking I can handle my own situations.  The truth is that’s not always possible.  One last point asking for help also speeds up the process.  If you are looking for a way to get out of debt a little faster this is your best route.
  10. Are Willing To Except Your Mistakes.  Are you willing to forgive and forget.  Sometimes we like to hang onto old financial mistakes we made many years ago and let them burden us with guilt.  For example I bought a timeshare which I thought was a great idea at one time ended up being a financial disaster.  I sunk thousands of dollars into something I simply didn’t want.  In the end I sold the timeshare back to the company I bought it from and had to except the loss and the terrible mistake we had made and move on with are lives. 

Are You Prepared?

If this sounds like a lot to think about don’t get to worried about it.  You may or may not be making all of these mistakes.  If fact you can tell which ones I’ve made because I had examples to go with them.  If you have a budget and a plan all you need now is some simple mental motivation to keep going. 

If you are making some of these mistakes write them down and write out how you would go about solving them.  What would be your next action step to solving these mental road blocks?  Write it down and start taking action immediately.  Sometimes all you need to do is take that first little step to get your mentality on the right track. 

To a debt free life,

Chris

This post was recently featured on The Carnival of Money Hacks by The Penny Daily.

Filed Under: Debt Managment Tagged With: ,

Get Out Of Debt With Niche Profit Classroom

February 18, 2009 By 4 Comments

Hey everyone Chris here again, thought I would remind you about Niche Profit Classroom which I talked about just this last Monday.   You can check that post out here.  If you haven’t check out Niche Profit Classroom you can do that here.

As I mentioned on Monday they have a great deal on their coaching program right now were they are allowing you to test drive their program for a week for just a buck.  This will give you a chance test out all the feature of the program itself.

And if your wondering what kind of things you will get from this program here are just a few.

  • 158 online coaching videosto walk you through the program step by step.  I like this feature the most because a lot of those so called gurus out their tend to just put a manual together and leave you hanging to figure out the rest of the pieces of the puzzle.
  • Monthly coaching calls which will give you a chance to ask Adam, the creator of NPC, all the questions you can think of.  It’s pretty much like having your own personal coach at your beck and call.
  • Free Web Hosting Space so you don’t have to have any extra cost added in to what you are already paying for.  This will save you some serious bucks when you are getting started.
  • 2 Pre Built Niche Site Every Month that you can dissect and study.  You can also take them and put them online yourself.
  • 3 Free Videos for just signing up to their mailing list.  These videos in themselves are very informative.  In fact I even implemented one of their simple strategies and within 24 hours I had already seen results.  Even if you don’t sign up the program these videos are worth their weight in gold.

What’s The Catch?

Well I’m glad you asked.  Like I said Niche Profit Classroom is going for a buck for one week once you sign up.  Then after the first week it will only be a monthly fee of $47 for everything I mentioned above and more. 

I don’t want to be to vocal about this but that’s a great deal!

What Does This Have To Do With Getting Out Of Debt?

With Niche Profit Classroom you have everything you need to build a business and use that you earn to get out of debt.  Can I guarantee that you will make a lot of money?

No.

But I can say that doing something is better than nothing.  If you are looking for a way out of debt this is a unique way to do it.  Here are a few reasons why.

  1. You can do it part time and still have a full time job.  With a minimal time involved you won’t have to give up your job. 
  2. The Investment is small and you won’t have to take second loan on your mortgage to do it.  In fact if you decide that this really isn’t for you then you can cancel your fee at any time you want.
  3. You have a mentor to coach you every single step of the way.  If you’ve never started a business before that’s OK.  Mentors will help you get thought the tough times. 

Want More Information?

You can get more information about Niche Profit Classroom here.  Take some time sign up for the free videos and see what this is all about but remember the one dollar special only last until Friday night. 

Chris

Filed Under: Business Opportunities Tagged With:

Using A Niche Marketing Strategy To Pay Off Your Debt

February 16, 2009 By 2 Comments

Last week I talked about starting your own blog to get out of debt.  This week I’m going to talk about another business opportunity that you can take advantage of as well.  This week we will be talking about using a Niche Marketing Strategy to pay off your debt.

What Is A Niche Marketing Strategy?

A niche marketing Strategy is nothing more than a website that promote a very specific topic to a very specific group of people.  A few niche marketing examples might be mountain bikes, professional digital cameras, or cross country running.  These are some specific topics that people might search on the web for. 

As a result these sites then will sell very specific products related to their site as a way to generate a few extra dollars.  For example the mountain bike site might sell an ebook on great places to ride your bike, or how to setup your mountain bike for stellar riding conditions. 

The professional digital camera site might show you some usful ways to use backdrops and camera positioning.  This site may sell specific cameras for using in certain situations like outdoor or for underwater use .  Again very specific topics selling very specific products.  That is what these websites are all about.

Here is a great niche market example of a site that only talks about Betta Fish.  You might be thinking Betta Fish!  Before you start thinking what kind of money could this guy possible be make from a site all about Betta Fish you might be surprised.   He makes between $500 to $1500 a month.  Not a bad little income to help pay of that debt and save some extra cash.

How Do You Start Your Own Niche Marketing Website?

Well now that we know what a niche marketing strategy is how do we get started in this type of business?  This is actually the easy part.  I could site here and tell you all about niche marketing but instead of recreating the wheel why not learn from someone who already knows how to do it. 

Recently a new coaching program came out by a guy name Adam Short.  This program was designed by him and his business partner Alen.  Their goal in this program was to show other how to implement a niche marketing strategy and begin making money form it.

The program is called Niche Profit Classroom.  This program is specificallydesigned to take someone step by step through their program with a series of easy to use videos that will teach you everything you need to know.

What Does It Cost To Set Up Your Own Niche Marketing Strategy?

Well just like everyone else I’m a bit sceptical when someone throws one of these Internet marketing opportunities in my face and makes a big deal out of something that well, isn’t so great. 

So here’s the best part.  Niche Profit Classroom is offering several free videos showing you how to get started build your own niche marketing website.  These videos will go through several things like.

  • Finding profitable “Money Words” that will attract lots of visitors.
  • How to set up a blueprint so your website will be easy and effortless to run.
  • Show how to use some simple and free tools to find these niches.
  • And Much Much More.

With all of these videos you will have a better understanding of how to break into this business opportunity and start making money.  So if you want to get started learning about this here is the link for the Niche Profit Classroom.

In fact after watching their first video on how to rank well for search terms on google I thought I would give it a shot and test out one of their ideas.  So I went out and found a search term that brings in a few visitors a day.  I wrote a post called Payment For Gold Scandal.  The term I used was “Payment For Gold.” 

So I posted this particular article on Friday the 13th (What a scary thought.) I decide the very next morning to check my stats and see where I ranked for this term.  Out of 52 million pages in the search results I ranked seventh.  See the picture below.

Click To Enlarge

 What’s The Bad News About Using A Niche Marketing Strategy?

First, you may have to know a little bit about HTML and how to set up a website.  If your not familiar with computers and other forms of technology don’t fret I will have more on this later how to get past those issues.

Second, if making money over the Internet seems like a scary idea I’m right their withyou.  With so many other scammers out their you have to be careful of what you buy into.  That’s why I spend a lot of time researching business opportunities before I buy into one.  That’s why I’m encouraging you to check out the free videos for the Niche Profit Classroom.  With these videos you will learn more about Adam Short and his coaching program.

Third, their will be a small investment involved if you want to be successful at this.  You will have to buy your own URL, web hosting space, sign up for a list management service, and the coaching fee.  However stay tuned at the end of this article I will show you a special deal going on for a limited time and also how you can cut your cost.

What’s The Good News About Using Niche Marketing Strategy?

First, unlike blogging were you have to continually update your website for your readers.  A niche marketing strategy is the complete opposite.  These sites are more stagnant and don’t change much.  In fact once you have it set up you have to do very little in the way of maintaining them. 

Second, you don’t have to have massive amounts of traffic to make money with this program.  In fact the Betta Fish site I was talking about earlier only brings in about 500 unique visitors a day.  That not much traffic when it comes to the grand scale of things on the Internet. 

Finally, the big point I want to make here in this post and the whole reason I am writing this post is because you can make money a lot faster with one of these websites than starting a blog.  I’m not saying blogs are bad I’m just saying niche sites make money faster.  In fact you can be making money in literally a few days after launching the site. 

The Niche Profit Classroom Coaching Program

Well if you haven’t already sign up for the free videos to show you how to set up your own niche site take the time and do that now.  Now if you are a bit of a tech savy person you may not need any further instruction than that, but if your someone who doesn’t know that much about computers, and need that little extra bit of coaching to help you along the way you may want to look into the limited time offer going on this week only.

For this week only February 16th throught the 20th you will be able to access The Niche Profit Classroom for one buck!  You will be able to test out their videos, software, and even hop on a coaching call with them for a buck to test their program for one week. 

This way you can really test the program out and see if this is for you and if it’s not they will even refund you the dollar back.   Now if you like the program it’s only going to be $47 a month from their.  I’m not sure you can really ask for much more.

So head on over to niche profit classroom and watch the videos to see everything that is included with the coaching program.  Also I will be updating you throughout the week to remind you to checkout the opportunity before it’s to late otherwise you will have to pay the full $47 up front. 

Using a Niche Marketing Strategy could change your life around so take action and check it out.

To Your Niche Marketing Success,

Chris

This post was featured on The Carnival of Personal Finance #193 by Broke Grad Student.

Filed Under: Business Opportunities Tagged With: , ,

Payment For Gold Scandel

February 13, 2009 By 6 Comments

Yes the scammers are at it again.  Actually it really isn’t a scam it’s more of a scandal and maybe you’ve even seen these payment for gold ads on TV.  It seems as if these companies sprung up all at once.  In fact you may have even seen the cash for gold commercial during the Super Bowl a few weeks ago.  If you didn’t take a look below.

So you may be wondering if these are legitimate companies then why are they considered a scandal?  Well that is what we are going to discuss today. 

How Does The Payment For Gold Scandal Work?

Recently these online companies have been taking advantage of people.  For instance recently I read about a man who sent in around $200 to $300 worth of gold.  Sounds good so far right, but instead of getting a check back for a few hundred dollars he got back a check for 15 cents.

WHAT!

Obviously, he got ripped off but could have this been prevented?  The sad truth is yes.  This could have been prevented in so many different ways.  Later in this post I will explain how you can prevent this from happening to you.

What Does This Got To Do With Getting Out Of Debt?

First off, it has a lot to do with getting out of debt.  With the current recession going on at the time of this writing and the struggle for people to pay their bills most people are looking for about any way they can to get some extra cash. 

Second, they see the commercials on TV and the Internet telling them it’s so easy and you’ll get a check for your gold, but here becomes the real problem.  Once you send them your gold how much are they going to send you back?

Are they going to send you back a check for the current market value?  Are they going to have someone assess the value?  These simple question raise a lot of red flags with me and I hope they do with you as well.

How To Prevent A Payment For Gold Scam?

So maybe you still want to sell off some of your gold jewelry but don’t know how to go about doing it.  Well it’s actually very simple to do.  Follow my instructions and whatever you do don’t send it to one of those online payment for gold places.

  • Get an appraisal of your gold.  This is really the first step once you’ve figured out what you want to get rid of.  This may cost you a little bit of money but will be well worth it.  With an appraisal you now have bargaining power selling your jewelry.  If the appraiser says it’s worth $300 and someone says they are only willing to give you $150 you can use the appraisal as a way to bargain with the buyer.
  • Sell to local buyers in person.   By selling to local buyers in person it will do a few things for you.  First, the person buying your gold has a physical location that you can go to.  If you send it to some online company and end up getting screwed what will you do then?  Second, you will be able to talk to them to work out a deal unlike the online businesses were you get whatever they send you.  This means no negotiations and not enough zeros in your check. 

Have You Ever Been Caught In This Scam?

Have you been burned by this scandal?  Feel free to share your story and leave a comment.  However, if you have managed to have a good experience with these online payment for gold companies feel free to share those stories as well. 

To staying scam free,

Chris

Filed Under: Scams Tagged With: ,

8 Ways To Know You Are Trying To Get Out Of Debt Like A Poor Person

February 9, 2009 By 7 Comments

When it comes to getting out of debt their are two routes to getting out of debt.  Before I explain I should mention that both will bring you to the same outcome.  The first route is how the poor person gets out of debt, the second is how the rich get out of debt.

In this post I’m going go over a few of the habits that may be holding you back from getting out of debt.  I should also mention this because I am not implying that you are a poor person but rather you may have a poor mindset when it comes to getting out of debt.  In this post I hope to help you recognize a few of these habits that are holding you back.

8 Ways To Know If Your Thinking Like A Poor Person

  1. When you look at something expensive or at least not in your budget do you tell yourself, ” I’ll never be able to afford that.”  If this is what you say to yourself you are limiting possibilities.  Instead of saying you’ll never be able to afford that say to yourself ”How can I afford that?”  This doesn’t mean you have to buy in now and go broke over doing this it just allows your mind have permission to think of way that you could eventually.
  2. Do you have constant dreams to be successful and rich and of course debt free or do you always think that you’ll be in debt forever.  Dreaming is a big part of life.  Without dreams what do you really have.  Dreams give you the hope to keep fighting for something in life.  Take time out of your day to dream about what you could have especially when it comes to getting out of debt.
  3. Who do you spend most of your time with?  Take a moment and think of the five people you spend the most time with.  What are their habits?  What do they like to do?  Knowing this can really tell a lot about you.  If the people you spend the most time with are spending money poorly and have lots of debt you may want to look into upgrading the people you spend time with.
  4. What do you do with your time?  Do you read books, look into starting your own business, or  playing video games, going to the bar, and always hanging out with your friends.  If you waist your time carelessly you may want to rethink your actions.  Now I don’t mean to say this as if you shouldn’t ever hang out with your friends but to show you that spending your time more wisely will help with prioritizing  what you do.  Getting out of debt is not an easy task and if you ignore the fact and take it for granted getting to the end result won’t help you any.
  5. Are you a penny pincher?  In order to get out of debt you have to save.  Paying off debt and saving money go hand and hand. However can you go to far.  I believe you can.  Giving up everything just to save a penny isn’t wise.  In fact you may end up paying for it down the road.  Make sure you schedule some fun time in while your trying to get out of debt.  In fact I’ve always recommended that ever time you pay off a debt that you celebrate.  Do something nice like take the family out to eat, or go to the zoo.  Something that rewards you for all of your efforts.
  6. Do you buy foolish things with your money?  If you have a habit buying things you don’t need you may have a poor buying mindset.  I once new a person who always bought something he didn’t need when he went to Walmart.  Things like video games and movies are wants and not needs.  Learn prioritize those things and getting out of debt will move a lot faster.
  7. Do you have a bad attitude?  Do you believe in what comes around goes around?  If you don’t may have felt the effects of this especially when it comes to your money.  For example if you treat somebody very poorly how do you think they will treat you?  Are you catching my drift?  Here’s another example.  If you spend all of your money very poorly what do you think will eventually happen?  That’s right you will eventually end up broke and out of money.  With a bad attitude or simply the wrong attitude you may be losing out on extra opportunities.
  8. Are you going through life just looking for a hand out?  Are you always complaining that you never have any money and are always looking for someone to give you a hand out like the government.  If your waiting on a hand out to get out of debt your chances are slim to none.  Successful people don’t wait on hand out they work with what they have to create their opportunities.   What can you do right now to start getting out of debt?

I hope these tips have helped.

Chris

This post was featured in The Money Hacks Carnival #52 by One Million Bucks.

Filed Under: Debt Managment Tagged With: ,

Conspiracy Of The Rich: The 8 New Rules Of Money

February 7, 2009 By Leave a Comment

Thought I would pass along a quick message.  I recently just got done checking out Robert Kiyosaki’s first chapter of his new book, Conspiracy Of The Rich.  I’m not going to spend time explaining the book for you here because that’s what I want you to do.

Robert is unveiling his new book one chapter at a time at his website.  You can check it out here. 

If your not familiar with Robert Kiyosaki or any of his work you may want to check out some of his bestsellers like Rich Dad Poor Dad, and The Cashflow Quadrant.  He’s been on the top of the New York Bestsellers list and sold millions of copies of his books. 

With everything Robert has done so far would you expect any less.  So once you get a free moment, check out the first chapter in his knew book at his website.

Enjoy the read,

Chris

Filed Under: Financial Independence Tagged With: , ,

Become A Blogger To Get Out Of Debt

February 5, 2009 By 1 Comment

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Lately, I been talking about using a home based business to get out of debt.  I’ve talked about the idea of doing this and giving you the tips on finding a business that will help you get started.  Today I am going to uncover one of those opportunities that you can take advantage of right away.

Become A Blogger

If you are deep in debt and need to find a way to generate some sort of extra cash look no further.  I have a program here for you that is such a program and here’s the best part it’s FREE!

First, let me give you a quick overview then I will dive into the details in a second.  Become a Blogger is a revolutionary new online video course that takes you step by step to setting up your own blog business from the ground up.  With the easy to follow videos any body can set up their own blog within a few hours and be up and running. 

If this sounds like a business opportunity for you keep reading however I don’t want to make this sound like on of those get rich quick deals cause it ain’t.  So if your ready lets get started.

What is Become A Blogger And Why Can It Help You Get Debt Free

First off you may want to browse the website a bit to get a feel for what they have to offer.  You can check that out here at www.becomeablogger.com

Once you get to the site you will that their is a sign up for their great ebook, The Roadmap To Become A Blogger, that you can get for free that will give you a ton of information about how get started.  I suggest you print this out and read it cover to cover. 

Next once you have that done you will want to check out the videos.  Now the site may change at any given time when your reading this so just bare with me.  Their are ten videos altogether.

  • Video 1   Why You Should Use WordPress
  • Video 2   How To Get Your Own Domain Name
  • Video 3   How To Get A Web Host
  • Video 4   How To Install WordPress
  • Video 5   How To Upload Files To Your Web Host Through FTP
  • Video 6   Choosing A WordPress Theme For Your New Blog
  • Video 7   How To Install And Use WordPress Plugins  
  • Video 8   How To Create Your First Blog Post And Blog Page
  • Video 9   What RSS Is And Why You Need It
  • Video 10 How To Use Feedburner For Supercharging Your RSS Capabilities

Take your time to go through these 10 videos to set up your own professional blog.  Each video is about 15 to 20 minutes long.  By the end of the 10th video you will have your own blog setup and be ready to roll.

Now you may be wondering what this all has to do with getting out of debt.  Well first these videos give you the base to start form.  You have to start somewhere.  Second, over time you will be able to put up advertising, sell affiliate products, and many other options.  Eventually you will be able to profit from this. For now just know that those options are available just not at the beginning.  I’ll will be discussing that in a later post.

The Pros and Cons Of Blogging To Get Out Of Debt

The are many great things about starting a blogging business to get out of debt but the reality is that their is also some down sides to this as well.  Here I hope to give you the real dirt on using this as a method to pay off debt.

The Pros Of Blogging

  • The videos make this an easy business to start.  If you can follow a step by step process this will be a piece of cake.
  • The investment cost are minimal.  In the beginning all you have to pay for is a domain name and a web host.  That’s it, for now.
  • You can do it part time form home.  You don’t need to rent office space for this however once you become very successful you may want to consider it.  Blogging is the real home based business.
  • Blogging gives you complete control of your time.  You can do it how you want.  If you want to work a few days or just a few hours a week it’s totally up to you. 

The Cons Of Blogging

  • Now immediate pay out.  Unlike some business opportunities blogging doesn’t pay out big up front.  With blogging it takes time to achieve this. 
  • No personal mentors to help you when you get stuck.  Once you have the first ten video complete you are pretty much on your own.  However their is a premium available but it is closing Feb. 6, 2009 and reopening at a later date.  I will have more info on this in a later post.
  • No immediate rush of traffic.  As with making money with your blog the same holds true with pulling in a lot of visitors.  This again will take time to achieve.
  • There are some upfront cost.  You’ll pay around $10 a year for a domain name and around $10 a month for web hosting space.  However over time you could up adding more cost like a list management service, advertising, and even a mentoring program.  This all cost money and can add up over time. 
  • If you aren’t very tech savvy you may have some issues here and you may even have to pay someone to take of this for you, of find someone you know.

Are You Ready To Become A Blogger

Now that you have a place to start all you have to do is take action.  Even though it may take a lot of time and hard work you should know that it can be done.  Blogging won’t help with paying the bills right away so don’t get discouraged if it don’t work out right away.  In most cases it may happen within a few years to several years, whatever the case don’t get discouraged.

Remember Rome wasn’t built in a day.  That’s the way businesses operate.

Finally, are you going to start a blogging business to get out of debt?  If your are, great.  If you already have a blog and you are using it for this purpose you are already one step ahead of the crowd.  Take time now and get started with your blog.

To your blogging success,

Chris

 This post was recently featured on The Carnival of Money Hacks #51 by Your Money Relationship.

 

Filed Under: Business Opportunities Tagged With: , , , ,

Is Another Stimulus Bill The Right Answer

February 4, 2009 By Leave a Comment

I recently seen a video talking about all of the different things they are planning on including in the next stimulus bill.  From things like stop smoking to birth control prevention the new stimulus bill is crammed full of things like this. 

If you would like to check the video out you can do that here.

When you look at a country that is trillions in debt and sinking further into debt everyday how do you stop it.  Well lets think about this a bit.  First off unlike the last stimulus bill not all of that money was borrowed money.  In this particular stimulus plan all of this money is being borrowed.

Second, normally to get out of debt as an individual it’s fairly simple, cut down debt and save more money.  With the new stimulus plan we aren’t paying off any debt, we aren’t saving any money, and we aren’t going to get ahead by doing this new stimulus plan.

It seems as if the plan is to spend more money to get are country out of debt.  Personally I can’t see how that will work. 

So what are your thoughts?  Should they have another stimulus package or will it work if they cut some of the odd stuff out they discuss in the video?  Leave a comment and let me know.  Also any good ideas for what you would do to solve the economies issues would be great.  Any good ideas will be posted in a later post.

Till then,

Chris

Filed Under: Market Updates Tagged With: ,

Jury Duty Scam Becoming Popular Again

February 3, 2009 By Leave a Comment

Hey everyone thought I would throw a quick post up here and share with you yet another scam that has become popular again.  The jury duty scam.  If your new here at Stumble Forward I’ll occasionally throw out a quick post on scams and things that aren’t going to help you get out of debt. 

The worst part about this scam is they can actually use this as a form of threat to get money from you.  Let me explain. 

Here’s how it works.  Someone will call you telling that you have to report for jury duty.  They will then proceed to ask for you social security number.  Now at this point some may give their number not even questioning the source. 

Don’t do it!

At this point the scammers will attempt to threaten you by telling you that you can’t refuse to do it or you will have to pay a fine.  The scammers will then ask for your credit card number to pay the fine for not doing the jury duty.

Again I have to repeat myself don’t give them anything.  If you get this call they will sound very convincing but don’t believe them the county, and state will never ask for this.

Now, you may be wondering how would you be contacted if you actually had to do jury duty.  They will send you a letter by mail.  I’m not sure but it may be certified as well.  

Getting ripped off by these scammers is a big deal so let everyone know about this and give this post a stumble or bookmark at your favorite social site to let everyone know this scam exist.  To tell you the truth I’ve never heard of this scam before, so it wouldn’t be much fun to learn the hard way about this scam.

Finally, have you recieved a call like this?  Feel free to share your story with everyone in the comments.  Together we can work stop these scammers and make it a safer place for everyone.

Till then,

Chris

Filed Under: Scams Tagged With:
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