4 Tried & True Tips for Taking Control of Your Finances

How many people feel like money disappears at the end of each month? Sometimes life gets in the way and there is just too much month at the end of your money. In my career I have met many people who have said they would like to take control over their money, but never know how to get started. They are afraid to take the time to get the ball rolling.

I know that the main reason this happens is because getting ready to handle finances and start saving money for retirement can be intimidating. But if you follow the steps I’m sharing here then I am certain that once you take the time to begin the process you will get it done in time!

Here are 4 foolproof tips that will hopefully make it easier for you to get started:

  1. Create a budget. The fact is that not everyone can stick to a budget. Many wind up spending more than they originally intended so they get discouraged and give up. Start off by simply cutting down on your spending a little at a time. Pack your lunch, make your own coffee, buy more generic brands at the supermarket. You will soon start to see results and feel better about saving more money.
  2. Become money savvy. Start to read about personal finance. Commit to picking one topic regarding personal finance at a time and try to read about that topic for 30 minutes a week.
  3. Start paying yourself first. Setting money aside for your savings comes before even paying your bills. When you squeeze that extra money out of the budget you must set aside money for yourself automatically. If you cut out buying coffee, (which, say, costs $2 a day), at the end of the year you will have $730 saved in your emergency account, or you could make coffee at home so you could find out what are the benefits of caffeine creams, since you’ll know all the preparation, and also save money. Not bad!
  4. Talk to a financial professional. We all need to talk to an expert on something once in awhile. You need someone with financial experience to give you an objective, unbiased opinion.

Before you play any game you need to know the rules. It’s the same with saving your money. Once you know the rules of the financial game and follow them you are on your way to taking control of your financial house. Start slow and be consistent. The key is to make sure you stick to the plan! When you see how simple it is you will never be intimidated by money again!

We’d love to hear from you! Contact us with any questions, comments, or just to say hello!

Three Simple Principals to Make Your Money Work For You

Personal Finance Tips For Millennials

Time to start taking care of yourself

As entrepreneurial women, we tend to go all out when it comes to taking care of our business and family, but devoting time to our own health and well-being is usually last on the list.  What about taking care of ourselves first, so we can actually take care of the rest like our family and business? Lets take a look at what makes us unique.

Did you know your blood type is the key to unlocking the secrets to your biochemical individuality?

Your Blood Type is the key that unlocks the door to the mysteries of health, disease, longevity, physical vitality and emotional strength.  Are you Blood Type A, B, AB, or O? Knowing your blood type is not the only reason while you are giving blood? Research indicates that your blood type is a key genetic factor that influences many areas of your health and well-being.

According to many years of research it has been discovered that one blood type might be more prone for one health issue then from another blood type.

According to American Heart Association they have discovered that:

Even when symptoms are present, in some cases they may be mild. That’s why, std treatment – stdaware is only part of the equation. It’s also important to look at general risk of contracting an STD and the time since the last STD screening. Anyone that’s sexually active should be tested at least once per year, and possible more frequently. For people that have unprotected sex, sex with multiple partners, or those that have symptoms (even if they seem mild), testing should be a top priority.

Blood type may influence heart disease risk

August 14, 2012 Categories: 
Study Highlights:
  • Having blood type A, B, or AB was associated with a higher risk for coronary heart disease when compared to those who had blood type O.
  • Genetics determine blood type, but a healthy lifestyle may help protect those with types A, B or AB.
  • The findings were based on two large studies of adults followed for at least 20 years.

Did you notice that some people tend to lose weight more easily, while for others, weight loss for them are more difficult? Or wondered why some people are plagued by certain illness while others stay healthy and vital well into their later years. The answer is in your blood type. Knowing your blood type is an important tool for understanding how your body reacts to food, your susceptibility to disease, your natural reaction to stress, and so much more, by knowing your blood type you could know if you’re at a higher risk to suffer a heart disease and start to take care of that sooner there are great alternatives like https://healthyusa.co/the-blood-cleanse-breakthrough-review-revive-you-cardiac-health-naturally/ to prevent serious health conditions.  Stress is a dangerous issue and there are so many ways of fighting it, one of the easiest will be to get a massage machine like foot massagers can relieve stress and they are so easy to use, but you can also find a local spa like the swedish massage sydney which is great . A single drop of blood contains a biochemical makeup as unique to you as your fingerprint.

Below are five facts about your blood type that could change your life:

1. Your blood type may predict your susceptibility for certain diseases.

2. People of different blood types react differently to stress.

3. Your blood type antigens are not just in your blood

4. Gut bacteria is related to blood type.

5. A one-size-fits-all approach to nutrition does not work.

Food fads come and go, but it is clear: everyone does not have the same nutritional needs. We all know someone who is a strict vegetarian and thrives on that diet, while others swear by Atkins or similar low-carb plans. I have found that our nutritional needs can be determined by our blood type. This can allow you to lose weight, reduce inflammation, increase energy and lead a longer, healthier life.

Have you experienced any of these health conditions? These are some of the signs that you might be experiencing problems from Lectins in your diet:

*Bloating and flatulence after meals
*Changes in bowel habits
*Achy joints and muscles
*Hormonal fluctuations
*Skin eruptions
*Fatigue and tiredness
etc…

What is a Lectin, you might ask?  A chemical reaction occurs between your blood and the foods you eat. This reaction is part of your genetic inheritance. Lectins, abundant and diverse proteins found in foods, have agglutinating properties that affect your blood and the lining of your digestive tract. Lectins are a powerful way for organisms in nature to attach themselves to other organisms in nature.

Is it time to start making healthy choices? Contact me through link below.

This blog piece was originally featured on http://www.beautyfrominsideandout.com/

Angela Serritella is a Licensed Cosmetologist, Naturopathic Doctor, Nutritional Therapist and a Certified Nutritionist who helps her clients feel and look great from inside and out.

She offers natural health options for everyday health concerns. The treatments with her patients include dietary changes, supplementary nutrients like uridine, Use this brand of uridine monophosphate in order to avoid harmful fillers. Visit http://goodpreworkoutsupplements.com/ for more details. Don´t forget to exercise, take herbal medicine, natural remedies or homeopathy, she even give advice such as utilizing wide fitting shoes for bunions for those with foot pain. I suggest that if you are going to start working out an taking care of yourself you should get a maidenform waist nipper which will help you get in the best shape.
She offers one-on-one nutrition consultation and weight management services in person and online
Angela is the owner of Beauty From Inside and Out    

You Can Succeed in Direct Sales

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No problem is insurmountable. With a little courage, teamwork and determination a person can overcome anything. – B. Dodge

 

 

No one would pretend that direct sales is easy. If it were, more people would be doing it. It’s commonly said that for every one person who says ‘Yes!’, there are nine who say ‘No!’. If you need to find five people a day to say ‘Yes!’, you will have to talk to fifty people a day.

You need energy, stamina and you need to be able to be as bright and cheerful at six o’ clock at night as you are at eight o’ clock the following morning. If you can’t rise above the trials and tribulations that afflict us all, both in private and in work life, don’t consider a full-time career in direct sales. When I decided to join a direct sales company 18 years ago, what really attracted me was the ability to make my schedule, have qualified people train me and then I was able to find people better than me to build a business with. That was worth all the trials and tribulations I had to go through to make a six figure income.

The truth is building a business isn’t as hard in network marketing as people make it seem. There are systems in place to follow. The challenge is that people over analyze everything and they just don’t follow the system. I had blind faith. I knew I didn’t know anything, so I was extremely coachable. You can be successful in direct sales to if you follow the system that is presented to you and keep these simple things in mind:

  1. Set a schedule and stick to it – Get a planner that allows you to integrate all areas of your life in it so you have everything with you at all times.
  2. Find a mentor – In your company and a coach outside of your company. You need non biased views and ideas in my opinion in order to succeed faster. It is well worth the investment in the long run.
  3. Be a crusader – Own your own products and show potential customers you believe in them.
  4. Stop making excuses – Invest the time you need to and just get it done.
  5. Utilize the direct sales model – Do not reinvent the wheel. Follow the model that has already been proven to work.
  6. Master your craft- Know everything you need to know about your products and service and duplicate your self by training other’s.
  7. Set up a solid referral system – Once you have learned to use it and you are a pro at getting referrals, make sure you teach it to your associates.
  8. Recognize your team –  Big and small accomplishments are important to reward your team for. Everybody has a sign on them that says “make me feel special.”
  9. Have a system for recruiting – Know the numbers. How many people do you have to  invite to look at your opportunity daily to recruit 1 per week?
  10. Follow a marketing plan – Spin multiple plates at all times.  Face to face prospecting, internet marketing, advertising, vendor events and workshops.

When you stop over thinking it and follow the system in place, you can become a master at direct sales!

 

Every Entrepreneur Must Master The Art of Selling

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If you can’t sell yourself, your ideas, your product or service, you will not stay in business. Selling is an essential skill every entrepreneur must master. Starting from the very first day you launch your business you are selling. The overall success of your business actually depends on your ability to sell. Fortunately there are many books, workshops and sales coaches that can help you. The first book on sales that I read a long time ago was How to Master the Art of Selling by Tom Hopkins.

 

It’s quite easy to start a business. All you need to do is have a cool idea, a product or service to “sell” that idea and finish it off with a business card, right? Wrong. The problem is that this alone does not guarantee your business success. Growing and sustaining a business that provides income that you can live on is the challenge.

Entrepreneurs need to learn sales skills. You can have the best makeup, jewelry, lotion, or be the best coach there is, but how do you make money? Remember the movie “Field Of Dreams” with Kevin Costner? The line was “If you build it they will come.” Well, ladies, I am here to tell you that if you come up with an awesome simply amazing product, they do not just come! Ever! It takes marketing and selling, both of yourself and of your product or service, to bring in the crowd. Do you see how the word selling is the common thread, here? If you do not sell your product or service you do not make money. It will never sell itself and that just how it goes.

Every entrepreneur needs practical sales skills! They have to learn simple sales tools and strategies in order to grow and succeed in business. I have witnessed many great products developed with an incredible passion fail because there wasn’t enough money coming in to sustain the business.

The good news is that anyone can learn sales skills. Almost nobody is born a great sales person. On the contrary, the case is usually that the most creative people who established the best products have no sales skills at all! Everyone just needs to change their mindset about what selling is. My advice is, take sales classes. Make sure you read books on selling, and yes, even hire a sales coach. I promise, if you do these things and you have a great product or service you believe in, you will see your business not only survive, but grow and thrive!

Contact Me with comments or questions or just to say hello!

 

Sucess In A dress “Sales Tip #7”

ETTWomen's 360 2015 Retreat: Lynette Barbieri

I have the privilege of training new associates in my financial sales business. Obviously, because I’ve been in sales for a long time, I have tips I like to share with my new associates that have worked for me over the years.

But duplicating myself is key in the particular business I am in. Therefore, I share with my new associates tried and true sales tips on a weekly and monthly basis. I do this over and over again because they’ve served as the foundation of me being successful in sales.

The other day I had a conversation with several new associates and one of them asked me to give them one sales tip I could share that has helped me the most. I would like to share it with all of you now here:

What you say to your client is not the key to a successful meeting. Of course what you say is important, but the most important part of your sales presentation (I hate the word pitch) is what they heard and how they process the information you shared with them.

You could think you were smooth, you were clear and that they are the luckiest people on the planet for getting to hear you, and then, the unthinkable happens: They want to think about it!

So what happened? You of course think over and over about what you said, what they said, how you answered the question/s they had and you spend the rest of the night replaying the whole scenario in your mind!

Instead of needless stress and worry, what I have found to be the most helpful is listening to yourself as if you were the customer. Simple right? And how do you do that? Tape your presentation, even better… record yourself on video. Then, ask yourself a few questions as you are listening. Did what you say make you excited to learn more? If you were the potential client, would you have understood clearly what you presented? Would you buy from you based on how you sounded, looked, and explained your product?

Sometimes the answer is no and that’s o.k. Don’t beat yourself up about it but practice. Keep practicing until you can answer yes to those questions; inspect and analyze what you expect!

Contact me Lmb0516@live.com or tweet me @lynettebarb

Also, please ‘like’ us on FB.com/ETTWomen

 

“Success In a dress” Sales Tip #6

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Have you ever heard the expression “Use your God-given talents.” Did you ever really think about that when it was being said to someone or to you? I have actually said to my daughter when we are arguing, “You should be a lawyer someday. God gave you some talent to argue and debate!”

Well, I believe as women almost every one of us can capitalize in sales by using our God given talents -which I believe are empathy & compassion!

When a man sells, they tend to explain things logically: They discuss why they need it, how much it cost and  why it’s the best product or service out there. They are then ready to get to the point and lead to the close.

Believe me, I have been on many training appointments over the years training men, and no matter how many times I would say to open with the question, it usually didn’t happen on it’s own. I basically had to throw it in and interrupt every time.

Are they bad salesmen? Not at all! They just aren’t thinking about “feelings.”  It isn’t generally in their genetic makeup.  Women show empathy and concern by asking a lot of questions that lead to an emotional decision as to why they need that product or service -and this can be done just by using our God given talent! We are natural born sales people! That’s right: You, me and every woman reading this… if you want to be!

The absolute best tip I can give you this week is to use your God given talents and exercise them. Ask questions that lead to emotional decisions such as, “How does the thought of owning that product make you feel?”; “How would you feel if we established a plan that actually will allow you to retire at 62 instead of 65?”; “What would you do differently if you had that product?”; “Where would you travel if you retire when you are that much younger?”

Help your client feel and visualize owning your product or service.

The reason people are in the positions they are in today is because they get wrapped up in the daily grind and forget their child-like enthusiasm. You have to help them feel that again and show them why your product or service can help lead them to that goal -whatever their goal may be.

Any woman who taps into this gift, the gift we were born with, will be a successful natural sales woman!

Contact me Lmb0516@live.com or tweet me @lynettebarb 

Also, please ‘like’ us on FB.com/ETTWomen

ETTM Live! With Jennifer Bronsnick

Would it make your life better if you knew how to communicate with people in a way where they felt your love and respect?
Would you like to know if you are an empath with the ability to feel other people’s emotions?
Would you be healthier and happier if you could figure out the best way for you to get a good night’s sleep?
Do you wish that you had more self-love and compassion for yourself and other people?
Have you ever wondered what makes you so special and unique from the other people around you?

Understanding your Human Design offers you all of these things and SOO much more!

Jennifer Bronsnick, MSW has been supporting individuals and families for over 12 years. After training in a variety of psychotherapy techniques, upon learning about Human Design and experimenting with it in her own life, she knew this was something that was going to help A LOT of people who were suffering. In each person’s design is the truth of who they are, a beautiful and very important piece of the puzzle of the universe. In this country many people are suffering with the disease of self-hatred and she found Human Design to be an extremely effective tool in treating this disorder. Jennifer is the founder of The Mindful Family and lives with her husband and 2 little girls in Livingston, NJ

Learn more at www.jenniferbronsnick.com or www.themindfulfamily.com

ETTM Think Tank with Marcy Cortez of LAI Financial Group, LLC

After working in corporate accounting for more than 25 years, Marcy Cortez decided it was time to devote her knowledge and talents to her own business. Marcy is a certified Quickbooks specialist with extensive Accounting, Management and Human Resources experience. LAI Financial Group LLC grew out of her need to share her financial and business savvy with the public. A local entrepreneurial business owner can relate to your needs and requirements as a fellow member of the community.
Marcy will be speaking about the advantages of outsourcing services, specifically financial services for the small business entrepreneur and the role outsourcing plays in helping the entrepreneur to reduce their overhead, increase profits and improve cash flow.

Join ETTM & Marcy on March 7th. Please RSVP HERE.

The # 1 Marketing Tactic

I recently read a survey where out of 44 marketing tactic options to choose from, Search Engine Optimization won. Facebook and LinkedIn came in second, blogging third, and email marketing fourth.

What’s even more interesting, video marketing came in seventh despite the fact that YouTube is the third largest search platform – after second-place Google and first-place Facebook.

Here are a few ideas you can take away from these results:

1. It makes total sense that SEO is the most important tactic in attracting visitors to your website.

Any time someone gets online and looks for something, what they’re doing is searching. Making Search Engine Optimization key – to everything!

Leaders in business have noticed this and are planning to devote major attention, energy and yes, money into improving theirs.

You should be doing the same thing.

If you don’t know much about SEO and can’t afford to hire an expert, learn as much as you can on your own – there are lots of things you can do to improve SEO without having to become a super tecchie expert in the field.
2. Facebook, blogging, and email campaigns are simply a given in business. Make sure you have a strategy in place to engage in all three regularly. If you’re not a great writer, designer, or copy writer, consider outsourcing, or at least get an expert to evaluate what you’re doing, give you some training if needed, and guide you on how to best use your time in these activities.
3. Jump on the opportunity that business leaders are still lagging in their plans to use video. This is awesome news for you! Take advantage of their relative inactivity, and get your content out where your competition is not as active as it should be.

Invest in an inexpensive camera, create vlogs out of your existing blogs, and put those videos up on your website and on YouTube. You’ll be a step ahead of many of your competitors and your SEO will improve dramatically.

 

What are you doing to improve your SEO? Do you have any questions? I’d love to hear from you! Leave me a comment below.

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