My Mom was a stay-at-home mom, at first. Yes, I say 'at first', because like many households we had the financial support from my father's income to support the family without her working. She did it all. Made breakfast, got us all dressed in an acceptable fashion (including dad), and off to school and work every morning. While we were gone mom cleaned the house, the yard, shopped for meals, clothing and household needs. Mom was the neighborhood liaison with all the neighbors. I don't think my dad even knew their names.
She stayed in touch with grand parents, aunts and uncles, friends and relatives on both sides of the family. She attended parents meetings at our schools, participated in school and community activities, and was active in at least two church functions each week. Upon our arrival home from school and my dad from work, we found our HOME had been cleaned and all things attended to while we were gone. Mom was still going: time for dinner, listening to each of our issues, assisting with homework, getting us all off to bed on time, then a little time with my dad to discuss his day, family issues, finances, etc. Pretty full job for anyone, Agreed?
Okay, now lets add a recession to the national economy just for fun. Unlike the State and Federal governments, as families we can't just print more money or raise taxes; we each have to cut back our spending to make ends meet. Fewer afterschool programs, sports events, dinners out, new clothes, vacations are definitely cancelled, car pooling and all around uncomfortable conditions for the whole family. Maybe dad's job is beginning to look insecure. How about our health insurance? Our second car and the boat?
As money becomes tighter and tighter Moms go back to work: a second job. Moms' work day isn't over a 5pm and she doesn't get weekends or holidays off. For those Moms that have been out of the out-of-home workforce for many years, they begin at the bottom of the pay scale, have no tenure, no retirement, and are probably a little behind the times in current technology, business dress and HR issues.So... now we have Mom working all day at her JOB... and most of the night at her HOME. Moms,God bless every one of them, will work like a rented mule for their families. Day and nite.The economy will correct itself, eventually, the family budget will probably be saved, but Mom? The family budget will NEVER survive again without Moms' second job. She has taken on a second job for the rest of her productive adult life. Sounds kinda permanent doesn't it? That's because IT IS!
Those extra dollars that Mom has been bringing to the family budget from her second job will be needed even more as children prepare for college,trade schools, weddings, adding or replacing family vehicles, home repairs, insurance, medical bills, etc.
40% of American families say that just an additional $500/month would dramatically improve their financial situation!
77% of Americans live from paycheck to paycheck.
62% of Americans will face retirement age with less than a $10,000 yearly income!
2008 sales in network marketing was $100 billion
Can you be a stay-at-home Mom and make $5000 a month? YES.
Can you manage your home based business on YOUR schedule? YES.
Can you start your home based business with minimal expense? YES.
Can you manage your business from a computer? YES.
Can you have your live back again? YES.
Can you have dreams again? YES.
You can even afford a vacation...without sleeping in the car!
MLMs ARE MADE FOR MOMS!
Good communicators, organized, multi-tasking, financial managers, socially connected, time managers,great networkers,can clean up messes, make Boo Boos better and give a hug when needed. Moms Rock!
God Bless you Mom.
Adam Bossen is a veteran network marketer. Adam is a Management Consultant of the Magnetic Sponsoring program. His blog and FREE weekly newsletters are always packed with great income producing tips, business shortcuts and ideas. GO TO: http://www.mlmprofitmentors.com/?c=ea
Learn how to sponsor Reps:
http://www.poolsideceo.com/?c=ea
Article Source: http://EzineArticles.com/?expert=Adam_Bossen
http://livingbettermoms.blogspot.com/
Showing posts with label business on a budget. Show all posts
Showing posts with label business on a budget. Show all posts
Saturday, October 31, 2009
Mom Knew How to Work Within a Budget
Most pre-boomers remember how mothers put money away to take care of normal expenses as well as save for vacations, Christmas and "rainy days." This taught us how to use our paychecks when we entered the workforce and throughout our lives.
My mother had a red metal box, which was locked and kept in the back of a closet. She brought this out each week and sat down at the kitchen table after depositing my father's check at the bank. There were a dozen little copper boxes inside the master container with a slot in the top so money could easily be slid in or the master key could be used to open the individual boxes. Each of these was labeled: mortgage, groceries, insurance, car, utilities, washer, clothes, etc. There were no credit cards back then, although the major department stores had revolving credit accounts and some local merchants allowed customers to charge their purchases. So, cash was the medium of exchange.
The mortgage was paid monthly at the local Building & Loan. The car was paid for when we bought it, but mom put money away and deposited it in the bank once a month so the money was there when it came time to buy another car. The same was true with the washing machine and clothes. Utilities and health insurance was paid by mail with a money order purchased at the corner drug store. Life insurance was collected by a man who came to the house once a week, at which time he made a notation that we paid in the big ledger he carried from house to house. We didn't have everything, but I never heard my folks complain about owing more than they could afford.
In the early '50s the first credit cards became available through Diner's, at first for use at select restaurants. By the end of the decade the concept of nationwide credit was expanding. American Express made a strong entry into the market and held its position through the '60s. This card was promoted as a convenience for businessmen who did not want to carry a lot of cash with them. The balance had to be paid off each month, much like mom used to do with her budget box. In the early '70s, MasterCard and Visa came on the scene and offered monthly interest bearing payment terms. This started the consumer credit explosion, certainly something our moms never envisioned.
Today, credit card debt is strangling many American families who can't payoff their balances because the interest on the unpaid balance is so high. What was once a convenience has turned out to be a curse.
Maybe it's time to go back to the idea of not buying something if we don't have the money already earmarked for the purchase and pay it and all other bills off each month. We need to revisit this basic budget principle and teach our grown and grandkids the importance managing their money - just like mom used to do.
Don Potter, a Philadelphia native, was born in 1936 and is a 50 year veteran of the advertising agency business. Now living in Los Angeles, he has written two novels in retirement, frequently writes on marketing issues, and has a blog dedicated to pre-boomers (those born between 1930 and 1945).
Read more articles for and about pre-boomers with thoughts, comments and opinions designed to spark thinking, foster discussion, and stimulate debate by logging on to http://www.pre-boomermusings.com
Article Source: http://EzineArticles.com/?expert=Don_Potter
http://livingbettermoms.blogspot.com/
My mother had a red metal box, which was locked and kept in the back of a closet. She brought this out each week and sat down at the kitchen table after depositing my father's check at the bank. There were a dozen little copper boxes inside the master container with a slot in the top so money could easily be slid in or the master key could be used to open the individual boxes. Each of these was labeled: mortgage, groceries, insurance, car, utilities, washer, clothes, etc. There were no credit cards back then, although the major department stores had revolving credit accounts and some local merchants allowed customers to charge their purchases. So, cash was the medium of exchange.
The mortgage was paid monthly at the local Building & Loan. The car was paid for when we bought it, but mom put money away and deposited it in the bank once a month so the money was there when it came time to buy another car. The same was true with the washing machine and clothes. Utilities and health insurance was paid by mail with a money order purchased at the corner drug store. Life insurance was collected by a man who came to the house once a week, at which time he made a notation that we paid in the big ledger he carried from house to house. We didn't have everything, but I never heard my folks complain about owing more than they could afford.
In the early '50s the first credit cards became available through Diner's, at first for use at select restaurants. By the end of the decade the concept of nationwide credit was expanding. American Express made a strong entry into the market and held its position through the '60s. This card was promoted as a convenience for businessmen who did not want to carry a lot of cash with them. The balance had to be paid off each month, much like mom used to do with her budget box. In the early '70s, MasterCard and Visa came on the scene and offered monthly interest bearing payment terms. This started the consumer credit explosion, certainly something our moms never envisioned.
Today, credit card debt is strangling many American families who can't payoff their balances because the interest on the unpaid balance is so high. What was once a convenience has turned out to be a curse.
Maybe it's time to go back to the idea of not buying something if we don't have the money already earmarked for the purchase and pay it and all other bills off each month. We need to revisit this basic budget principle and teach our grown and grandkids the importance managing their money - just like mom used to do.
Don Potter, a Philadelphia native, was born in 1936 and is a 50 year veteran of the advertising agency business. Now living in Los Angeles, he has written two novels in retirement, frequently writes on marketing issues, and has a blog dedicated to pre-boomers (those born between 1930 and 1945).
Read more articles for and about pre-boomers with thoughts, comments and opinions designed to spark thinking, foster discussion, and stimulate debate by logging on to http://www.pre-boomermusings.com
Article Source: http://EzineArticles.com/?expert=Don_Potter
http://livingbettermoms.blogspot.com/
Building Your Stay at Home Mom Business on a Budget
Just starting out with internet business? Do you lack the capitol to stand a chance in striking a deal established JV partners? Don't have the funds needed for PPC campaigns? There are ways to build your Small Business Ideas.
Read up as I discuss 5 free but highly effective techniques you can use to market your Stay At Home Moms Business in the World Wide Web.
1. Article marketing. Come up with an article relevant to the topic of your online undertaking. See to it that this article conveys something valuable. Enroll the article to the main article banks on the internet. Include a resource box, which should mention informative facts about yourself or your enterprise, as well as the link to your website. accomplish this at least three times per week. In a short period of time, you will receive direct traffic courtesy of the people who got interested about your articles, as well as indirect traffic as a result of a higher SERP position for relevant queries gained via the hundreds back links you are most definite to garner per article.
2. Exchanging links. This is much akin to you scratching another persons back, and him doing the same for you. Other online marketers are also looking for advertising mileage for their businesses. hook up with them by ensuring to include their link on your web pages if they will do the same.
3. Press release distribution. Countless real world and virtual world publications are always looking for noteworthy items to use. They read news wires for such pieces. You can craft a hype-free, news worthy news item about your online undertaking. You may state the launch of your business, minus self serving words of praise, most definitely. You may announce the launch of your Stay At Home Moms Business . You may announce the launch of a new product, without any form of a sales pitch. Craft a press release, and enroll the same to online news wires, and in just a few hours, offline and virtual world publications will be picking it up, generating fantastic traffic to your web pages.
4. Exploit the power of user-driven websites. The beauty of Web 2.0 websites is that the users themselves have the power to chart the course of particular online trends. You can use this to your advantage by specifically targeting social news networks, social networking websites, and social bookmarking services and converting them into powerful vehicles for your marketing adventures. Without a doubt, Web 2.0 websites are free to use and abuse.
5. Search engine optimization. Eight out of ten visitors that you will be able to generate for your website will be referred by the search engines. And search engine traffic won't cost you a single cent, if you can optimize your web pages to attract the attention of those search engine spiders and those who are looking for a Stay At Home Moms Business.
Stephen Meyer is an experienced home based business owner who offers many Internet marketing opportunities. His services include Website SEO, Link Building and Online Training. You can see his opportunities at his Small Successful Business Ideas opportunity site. Also visit his List Of Small Business Ideas blog for more business building information.
Article Source: http://EzineArticles.com/?expert=Stephen_Meyer
http://livingbettermoms.blogspot.com/
Read up as I discuss 5 free but highly effective techniques you can use to market your Stay At Home Moms Business in the World Wide Web.
1. Article marketing. Come up with an article relevant to the topic of your online undertaking. See to it that this article conveys something valuable. Enroll the article to the main article banks on the internet. Include a resource box, which should mention informative facts about yourself or your enterprise, as well as the link to your website. accomplish this at least three times per week. In a short period of time, you will receive direct traffic courtesy of the people who got interested about your articles, as well as indirect traffic as a result of a higher SERP position for relevant queries gained via the hundreds back links you are most definite to garner per article.
2. Exchanging links. This is much akin to you scratching another persons back, and him doing the same for you. Other online marketers are also looking for advertising mileage for their businesses. hook up with them by ensuring to include their link on your web pages if they will do the same.
3. Press release distribution. Countless real world and virtual world publications are always looking for noteworthy items to use. They read news wires for such pieces. You can craft a hype-free, news worthy news item about your online undertaking. You may state the launch of your business, minus self serving words of praise, most definitely. You may announce the launch of your Stay At Home Moms Business . You may announce the launch of a new product, without any form of a sales pitch. Craft a press release, and enroll the same to online news wires, and in just a few hours, offline and virtual world publications will be picking it up, generating fantastic traffic to your web pages.
4. Exploit the power of user-driven websites. The beauty of Web 2.0 websites is that the users themselves have the power to chart the course of particular online trends. You can use this to your advantage by specifically targeting social news networks, social networking websites, and social bookmarking services and converting them into powerful vehicles for your marketing adventures. Without a doubt, Web 2.0 websites are free to use and abuse.
5. Search engine optimization. Eight out of ten visitors that you will be able to generate for your website will be referred by the search engines. And search engine traffic won't cost you a single cent, if you can optimize your web pages to attract the attention of those search engine spiders and those who are looking for a Stay At Home Moms Business.
Stephen Meyer is an experienced home based business owner who offers many Internet marketing opportunities. His services include Website SEO, Link Building and Online Training. You can see his opportunities at his Small Successful Business Ideas opportunity site. Also visit his List Of Small Business Ideas blog for more business building information.
Article Source: http://EzineArticles.com/?expert=Stephen_Meyer
http://livingbettermoms.blogspot.com/
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