I'm an author, sometimes a speaker, and a relational coach on a fairly regular basis. To put things into perspective, it takes 3-6 months to create a new product (such as an e-course, a workbook or journal) before I can put it out for sale. It takes me a year to write a book. And that doesn't include the time it takes for promotions. Speaking engagements are kept to a minimum unless I happen to be in a somewhat close proximity, and coaching is kept to one or two small groups per week.
So, I paint you this picture so that you can see that my income structure is sporadic and difficult to determine from one month to the next. I haven't really been looking for another income stream, because my plate is pretty full on any given time, but I'm always open to hearing about new opportunities.
Enter It Works!
Full disclosure. I discovered this company as a client. I use their products and I love their products. I think they are well made and they really do all the things they promise. They are worth every single penny. My daughter started selling the product and she loves the company side of things too! So, with some convincing, (not much, actually) I decided to sign up to be a distributer too! It's now a family business!! Lol!
In case you haven't heard of It Works, it is a company that offers Health and Wellness products that are sold through Independent Distributors. Their products are plant-based which makes them an instant "YES!" to vegans or those who have a difficult time getting their daily requirements for a healthy body. (Which I think we ALL struggle with! Lol)
It offers weight loss, hair, skin and nails, a full skin care line, healthy shakes, help with stress, digestion, and so many other wonderful and well made products. There literally is something for everyone! Check out their products here.
I love it already because it doesn't add a ton of more items to my already explosive list! No inventory. No parties. No cold calls. No expensive sign up fees or subscriber fees.
Did I mention that I now get a really great discount on the items I'm already using?! Lol!!
I spend a lot of time on social media and blogging already, so this is was just an extension of things I'm already doing. The company is very clear that they don't want a bunch of pushy sales people. They just want you to tell the people you are in contact how you feel about the products.
I can do that!! I AM doing that!! And, people come to me. It's amazing. It helps that the company has a good reputation and a recognizable product.
So, here I am, letting you know I'm here for you! I'll probably be blogging a bit more about the products but I promise not to take away from the amazing content already found here. (Maybe I'll start a different blog?)
If you are interested in product, let me know! If you are looking for a real, honest-to- goodness work from home option, let me know. I am happy to brag about this one! I am so impressed already!
If you want to dig around the site to see what it has to offer, here ya go. Just click here!
If you have any questions about anything (as always), please reach out to me and ask!
Finances: How to Pay Off Your Old College Debt ASAP
Are you a woman who has recently finished college? If you have, your focus may be placed on entering the workforce, unless you are already employed. While it is important to focus on work and improving your work performance, it is also important that you place a focus on the repaying of your college loans. Unfortunately, many women who attend college later end up in debt due to the cost of it. That why you are urged to start paying off your college loans as soon as possible.
When it comes to paying off student loans, many individuals wonder why they should get started with doing so right away. Whether you just graduated one month ago or three years ago, there is a good chance that you have already received a bill requesting you to make a payment on your loan. For many college lenders, this is common practice. It seems as if you are expected to repay your college loan as soon as you graduate. Unfortunately, many women, possibly just like you, are financially unable to do so.
While a large college loan bill may seem like an issue that can’t be solved at the moment, it is important that you do not just push it aside. It is important to remember that loans, including college loans, have an impact on your credit. Even if you are unable to make your full college loan payments as expected, you are advised to at least put a little bit towards your loan repayment each month. In fact, even if you have yet to receive a bill requesting payment, it may be a good idea to start making payments anyways. You can easily do this by contacting your loan lender for additional information.
One of the many reasons why so many recent college graduates have a difficult time making their college loan payments is because their life changes. Many female college graduates need to not only find a job, but get their own apartment, condo, or home. This is an expense that is costly all on its own, not to mention the added costs of furnishings, food, and utilities. If this is a change that you recently had to make, you may want to sit down and make a budget for yourself. The starting point of your budget should include all of the bills that you need to pay, like your rent or mortgage, auto insurance, food, utility bills, and gasoline to and from work. These are expenses that you simply cannot avoid paying.
Once you have an idea of how much money you must spend each month, you can then calculate your monthly income by adding your weekly paychecks. What you will then want to do is determine the difference. If you have any additional money left over, it is advised that you put as much of that money as possible towards the repayment of your college loan. Despite what you may believe, you don’t necessarily have to pay your monthly loan payment all at once. There are many financial lenders that will accept twenty dollars from you one week and fifty dollars from you another. Often times, you will find that lenders just want their money, no matter how it arrives to them.
Although it is advised that you start making payments on your college loan as soon as possible, that time may have already come and gone. If you have been out of college for at least five years, it may be time to consider alternative approaches. If your loan lender is requesting payment in full, a payment that you cannot make, it may be an idea to consider applying for a debt consolidation loan. Although the last thing that you want to do is get another loan, your loan payments will be smaller to pay and this should be much easier for you.
If you are a female who has college debt that you need to repay, it is advised that you work towards doing so at every step in your life. You should always think about the impact of dining out, when you have a debt to repay. By letting your college loans go unpaid, they can reach the point where they are an issue that you can no longer run from.
A Financial Planner may be your Best Gift to Yourself
There are many ways in which you can plan for your financial retirement. The first step in making the right moves is always the step that involves actually creating a plan of action that you can follow as a family. Many people focus too much on the now or too much on the later and have a great deal of difficulty when it comes to creating a happy medium for savings and investing.
Throughout our lives we will have both long and short-term goals that need to be assessed, addressed, and often revisited. Whether you need to find a way to pay for your children to attend college, home improvement projects, or a method for saving for your retirement you can find information and assistance for all these things and so much more if you seek the services of a qualified financial advisor.
A good financial advisor will help you find that balance that so many people and families lack. He or she will also help you assess your means in comparison with your long and short-term needs in order to see where your funds would experience the greatest return in order to suit your specific needs with minimal risk. It is important to remember that going with a financial planner or advisor does not eliminate the risks that are an integral part of investing but it does help you learn to better calculate those risks.
Investing is a risky business. Learning how to weigh the odds and go for the prize is the best way to earn the biggest possible return on your investment no matter how modest your investment may be. We are all starting from different means, isn't it amazing to know that we could all end up with very similar abilities when all is said and done and we are living out our 'golden years'?
Good financial planning is the key to success when it concerns your financial retirement. With so few people around the world adequately prepared to retire it is great to know that there are options and assistance that is available to help you get started on your retirement no matter how late in the game it is. Even better is the knowledge that limits are lifted a little once you reach the age of 50 and retirement is much more eminent. This allows those who got a late start on their retirement planning or who have hit a speed bump or two along the way the opportunity to 'catch up' on their investing and work up to the place they need to be in order to establish a more comfortable retirement for themselves and those they love.
401 (k) plans offer some of the best retirement benefits your money can buy at the moment. They certainly allow you to make the maximum possible investment for your money. If you aren't taking your company up on their offer to match your investment in a 401(k) then you should seriously rethink that thought. Seriously, you're throwing away free money.
When it comes to the murky water of retirement investing it helps to have a guide to get you through. Utilizing the services of a financial planner may be the best move you've ever made in your life when it comes to the financial health of your family and your retirement.