Affiliate Marketing in 2020 whats the fuss

Are you here because you seriously thinking of achieving success online, so you can truly get control of your life, income and set yourself up for lasting financial success.

You tired of depending on your 5 to 9 job, commuting in the early hours of the morning through a total gridlock street. Or maybe perhaps you tired of having a Boss on a job you hate.Then affiliate marketing is your way out.

What is Affiliate Marketing

Okay lets start by the definition of affiliate marketing. what is affiliate marketing, this is the definition according to Wikipedia: Affiliate marketing is a type of performance based marketing in which a business rewards the affiliate for each visitor or customer brought by the affiliate’s own marketing.

Or Affiliate marketing is an advertising model in which a company compensates third-parties to generate traffic or leads to the company’s products and services. The third party publishers are affiliates, and the commission fee incentivizes them to find ways to promote the company’s products and services.

Affiliate marketing is like starting a business with the distinct advantage of not holding inventory or hiring employees. But you still setup an online operation that is automated and runs 24 hours a day.

Enroll on an ultimate coarse of affiliate marketing , risk free you don’t have to pay a time for 30 days.

How does it work

  1. A customer goes to google and makes a search.
  2. That search lands him/her to your webpage, your pages has a niche that gives him a solution to the problem he’s trying to solve. As he reads through your block he gets your opinion of the topic and you make a recommendation of a product that you think can solve his problem.
  3. He clicks on the link and it takes him/her to an online store like amazon.
  4. The customer makes the purchase and amazon pays you commission.

Pretty cool right!

How does one becoming an Affiliate Marketer

All you have to do is a few steps. First you will need to register with an online Affiliate marketing platform, this is the place where you get your training. A good example of one of this platforms is Wealthy Affiliate.

They will guide you a step by step process. This will include the following, building your own website, finding companies with affiliate program

How do Affiliate Marketers get Paid

  1. Pay per click

Pay per click prompts the affiliate to redirect consumers from their marketing platform to the merchant’s website. The affiliate must engage the consumer to the extent that they move from the affiliate’s site to the merchants site. The affiliate is paid based on the increase in web traffic.

2. Pay per lead

Pay per lead (PPL) is a marketing model, a form of partnership between the advertiser and business owner. The advertiser undertakes to bring leads to the partner-company and get paid a commission.

In pay per lead agreement the advertiser only pays for leads generated at their destination site. No payment is made for visitors that don’t sign up.

Its typical a non-cash conversion event. The lead may consist of as little as an email address.

3. Pay per Sale

Pay-per-sale or (PPS), the adverser only gets paid for sales generated by the destination site. It is the most lucrative method of making money online for affiliates and third-party promoters.

But pay-per-sale is more challenging than simply sending through a lot of referrals or clicks to an affiliate partner, because in order to earn commission you must actually convert your prospect into a sale rather than simply an expression of interest.

Most pay-per-sale programs are always open to applications from new affiliates who are ready to get to work, but before you sign up with a scheme of this type, you have to be sure that you stand a realistic chance of making money and a plan for how to make it happen.

Why be an affiliate marketer

1. Work from home or anywhere

If you someone who likes working from home or anywhere else for that matter. All you’ll need is a laptop and internet connection. Then affiliate marketing is for you. You get to spend more time with your family and you become geographically unrestricted.

2. No Customer Support

Companies and individuals offering products and services have to deal with their customer and ensure they happy with what they bought.

But with the affiliate marketing structure you never have to worry about customer support of any kind. No cold calls. The entire function of the affiliate marketer is to link the customer to the seller. And the seller deals with all the customer complains and support.

3. Passive Income

While a regular job requires you to be at work to make Money. With affiliate marketing you can make money while you sleep. It’s a completely automated system, you set it up once’s and it work even while you sleeping.

4. Convenient and Flexible

You become ultimately independent, you set your own goals. You decide the hours you wanna work and you chose the products you wanna promote. This gives you time and space to diversify your portfolio and you are free from a Boss and company restrictions.

5. Cost Effective

While most companies require employees, offices and cash flow of products being sold. The affiliate marketing can be done at low cost with no affiliate program fees to worry about.

How to Become an Affiliate Marketer

When becoming an affiliate marketer it’s important that you know where to start

1. Choose a niche

Finding your niche is the most critical part of the starting your affiliate marketing efforts. So finding out who you going to target is an essential first step.

So how do you find out which niche is the best one for you?

  • Ask yourself question like what topic am I passionate about?
  • Will the demand for my niche stay consistent?
  • Do people search for my chosen niche?
  • Are there affiliate programs that work within my chosen niche?

Even if you just creating a blog for advertising, your niche can make or break how profitable you can be.

2. Research your niche market

After picking a niche you need to research which programs out there can help you promote products in your niche. Before proceeding with a particular program ask yourself the following questions. Which merchants are using affiliate programs I’m looking for. How much commission are you likely to get from this program. Do you want to be associated with associated with the product and brand you selling.

3. Create your Platform

From here on you start building the platform that will help you promote those products.

The three most important thing you need to do.

Get training with a platform like wealthy Affiliate.Create your own website, which by the way you will learn from the training. Run paid adds on platform like google, Facebook, Instagram etc.

4. Publish superb content

Creating content is your last step in your pre affiliate journey. And it’s also the start of your affiliate business efforts.

Content is king, if you don’t contribute then people have no reason to come to your site. As we have seen content can be as simple as this blog. When considering what type of content to create, you have got allot of options.

In fact you can compile as many different content as you want. There is no restrictions on the amount of different content you can create.

You can have product reviews, blog post or guides.

5. Create your own add account

Building a website is just one option of the affiliate marketing. You can also chose to only run paid ads to drive to your merchant partners site.

If you don’t want a website all you have to do is open an adds account with platforms like google add, Facebook etc.

Common Types of Affiliate Marketing Channels

  1. Bloggers

These affiliates are great when it comes to posting information about a company or reviewing a new product.

2. Review sites

This type of affiliate will build a website and review review different advertises in a particular niche. Review sites are popular with affiliate marketers.

3. Email marketing

Besides it’s old origins, email marketing is still a viable source of affiliate marketing income. Some affiliate build email list to promote products.

4. Large media website

Design to create a large amount of traffic at all times. These sites focus on building an audience of millions. These website promote to their massive audience through the use of banners and contextual affiliate links.

Executive Summary

Affiliate marketing is an ideal solution for those looking to gain control of their own income by focusing on performance base revenue. Although the success of the job does depend on the skills of the affiliate marketer, it can prove to be an effective way to meet your income goals and live the life you so much want.

A very straightforward process, one can do his affiliate marketing through blogs, reviews, social media, webinars and other platforms.

If you interested in becoming an affiliate or starting an online business click the link bellow.

Rating: 5 out of 5.

Talk to your Future self

Show me your friends and I’ll show you your future.

Break the chains of poverty

That’s not just a quote, apparently it’s in the Bible. Yea it is! In proverbs 13:20, Solomon the wise man wrote; He that walked with the wise men shall be wise: but a companion of fulls shall be destroyed.

Hi my name is Josh and I’m here to talk about, well….. about your future self and the person you wanna be.

Take the above quote and run it on yourself, look at the ten most closest people that have influence in your life. And I will tell you now you will never make more then the wealthiest one. So I’m telling you now if you wanna succeed spend time with people who are successful.

You probably not the only one, I still have a job that I hate and a life am not so much fond of. But I have a plan, do you?

One of the most important things in life if you hopping to succeed that is, one must have a plan a goal and a dream. You see everything that was built in this wast universe was first in someone mind before it got realized.

If you don’t have a goal, you don’t have a plan and you don’t have a dream. You pretty much setting yourself up for failure. A life of so much pain and hardship. And it will possibly continue for generations after.

Talk to your Future Self

I’m here to tell you today. It doesn’t have to be this way. Stop siting in front of the tv and think about your kids my God. You need to have a serious conversation with yourself.

Having a conversation with myself

Go to a quiet place sit down, close your eyes and talk to your future self and discus your plan, goals and dreams.

What follows next are some of the things people tell themselves to avoid doing anything about they current situation.

  • I don’t know where to start.
  • It’s just too complicated.
  • I’m afraid I will fail.
  • I just don’t have the skills or the knowledge.
  • I don’t have enough money.

Have you tried searching the internet, we living in wonderful times, where anything is possible. You put your mind into an idea and move forward with it. And let me tell you something the internet is your friend so keep him very close to you and you’ll find miracles in your life.

But, you have to do the work. All the inform in the wold will take you nowhere if you don’t take action. Am I right.

A place to start

Two of the most simples online business you can start now, be a blogger or an affiliate marketer. Do some research if you interested.

One of the wonderful things about blogs is how they constantly evolve as we learn, grow, and interact — but it’s good to know where and why you started, and articulating your goals may just give you a few other ideas.

The other one is affiliate marketing, all you do is advertise other people’s product and get paid commission if it converts to a sale.

Get started with Affiliate Marketing !

Affiliate marketing is one of the simplest online business. It requires a few simple steps, in fact you can start right now.

  1. Choose the Right Affiliate Network.
  2. Research and Select the Right Affiliate Products.
  3. Consider Buying the Product Before Promoting It.
  4. Utilize Social Media Marketing to Get More Traffic.

And my answer to your question is yes, it is that simple. And if you up-to the challenge click this button for more information.

I Want more information

You really have nothing to lose!

“Money is necessary for the health of body and mind.”

Napoleon Hill

Pay Yourself First, the Concept that will help you save Money

Pay Yourself First, the Money habit that can boost Wealth

Is your paycheck a magician, performing a disappearing act? One second you have a chuck of money in your back account and the next you scrounging under the couch for change. This can sound like a cruel joke to most poeple, Unless you decide to pay yourslef first , between bills and debt it will always feel like you can never get ahead.

But most people would argue that, how can you pay yourself first when the government taxes you first. Doesn’t that mean the government is getting payed first. I say that’s besides the point, the concept of pay yourself first is based on the payment that you get after all other deductions. We talking about the money that goes straight into your bank account.

Pay Yourself First

Pay-Yourself-First is a philosophy that can help build tremendous wealth if you make it a habit. It’s one of the oldest rules in personal finance and you’ll find it on all the money books. But the chances are you probably never heard about it, unless you into money books.
The pay-yourself first is a philosophy that is a bit hard to follow, coz you can use that money to do other things, like paying some of your bill, or buying something that you like. You have probably tried it once or twice in the past, but it’s easy to forget. Since you don’t keep a budget, so when pay day comes your money just rolls itself elsewhere.
Pay yourself first is an investor mentality, which means routing contribution from your paycheck to your savings accounting automatically every month before you begin paying your monthly expenses. Which means you pay yourself first before you pay anything else like rent or buying groceries?

What’s behind the Philosophy, Pay-Yourself-First

It’s about promoting the quality of being economical with money. To ensure enough money is saved before expenses or discretionary purchases are made. The concept states, whenever you receive income, you pay yourself first by investing/saving a certain percentage right of the top. The reasoning behind it is that if you pay all your bill and all other ods first in the end you will never have enough money to save.

The Basics of Pay-Yourself-First

Pay yourself first does not refer to how you earn money, on the contrary to what the phrase implies. it refers to how to save money. It means they you should pay your own savings and investment account first.
Most people say they don’t save enough money because they don’t have the money to save more, that’s why personal finance advice says that you should pay into your savings and investment account first and approach it the same way you would approach your phone bill. Prioritize it above all your bills.

The Goals behind the Concept

By paying youself first you’re almost guaranteed to make sure that money is there when you need it. Meaning you wont have to scramble at the last minute. This approach increases the likelihood that you’ll save a substantial amount of money. It converts saving money from a desire into a necessity. It gives you a peace of mind in cases of emergency when money is needed, like a sudden hospital bill.

Why Pay-YourselfFirst (Now)

In the real world savig may seem impossible for allot of people, you have rent or bond to pay, groceries to buy and loans to pay. Sure you would like to save, but there’s just not enough money at the end of the month. Most people try to save what’s left over after all the bills and spendings.
But if you dont develop a savings habit now, there will always be reason to delay.

Four Reasons to Start now

1. Savings will become a Priority for you.
2. You start developing Good financial habits
3. You will build a cushion to secure your future and financial emergency.
4. Having money for emergency will give you a peace of mind.

The sooner you start the better off you will be, not only will you be able to take advantage of compound growth to help grow your money fast, but you’ll also help ensure that your financial goals are getting funded. Wait too long and a major hospital bill will through you off the tracks.

There are going to be things that you can’t control, so the sooner you start saving the better off you’ll be. Having that money available prevents allot of panic on bad days.

Putting Pay-Yourself-First into Practice

But I can’t Afford

Allot of people say they can’t pay themselves first, they think they will run out of money before the month ends, because they can’t keep up with their bills. But experts say people should commit paying themselves first anyway.

Once they make that commitment then they will be forced to find other ways to pay the bills, like cutting some of their bills. Like disconnect that cable TV you don’t really watch, get something cheaper.

How to Overcome the Challenges of Savings

The real hurdle to developing this habit is finding the money to save. Although most people believe it’s impossible, i believe that everyone can save at least 1% of their monthly income. As soon as the habit kicks in you’ll discover that the process is painless and as time goes on you can increase that percentage to 2%, 3% or maybe even 5%.

5 things You need to do to Help you Pay Yourself First

  1. Reduce your spending
    The first step to reducing your spending is to figure out where your money is going. Second, figure out what you can cut, reduce or downgrade. Most financial advisers say if you really wanna save money all you need to do to avail the cash is downgrade your lifestyle. Third, after all the cutting, downgrading and reduction is done you’ll have to bank the difference.

  2. Start small
    If the first strategy sounds intimidating, the problem may just be a matter of perspective. Its unreasonable to think you can go from zero to hero and a thousands of dollar overnight. Instead try starting small.
    And to make the process less painfull set up an automatic transfer for the amount you willing to save. Once’s the habit of savings starts kicking in increase the savings amount bit by bit. It will motivate you when you see it growing.

  3. Bank your extra money
    If you have a side job, go a head a set up a direct deposit so it can go straight into to the savings account.

  4. If you are a couple leave off one income.
    If you are two people working in your house, which means dual income, try to leave off only one of your incomes. In this case you’ll have to directly deposit the other check directly into the savings account. That should enable you to save the most money.

  5. Automate your account, setup a repeating automatic transfer from your main account to your savings account, it makes the process painless. And the transfer needs to happen before you pay anything else. Needs to be your first payment.

How to Pay-Yourself-First Hands On

If you dont know how much to pay yourself, follow this simple steps bellow.

Determine you current spending

  1. Start by determining your monthly income, add together all your income sources for the month.
    Note that this is your net income after deduction of all taxes. If you have an income that fluctuates month to month then use your average income over the past 6 month.

  2. Determine your monthly expenses.
    The simplest way is to look at your monthly expenses is your monthly bank statement, add all the bills and cash withdrawals.
    There are two types of expenses – fixed expenses and variable expenses.
    Your fixed expenses are typicaly your rent, utilities which stay the same month to month.
    Your Variable expenses may include food, entertainment and miscellaneous purchase, they change month to month.
    You need to keep track of your expenses.

  3. Deduct your montly income from your expenses.
    Subtracting you montly income from your expenses will let you know how much left over money you have at the end of each month. If you are negative at the end of the month reduce your expenses.

Now you know how much extra money you left with at the end of the month.

Your next step is to try and reduce your montly fixed expenses and your montly variable expenses and create a budget from that.

Creating a Budget

  1. You must look at reducing your fixed expenses, take a look at each type of fixed expense and examine if there’s any way of reducing them. Good examples will cable tv, cell phone bills, thet maybe fixed every month but it is still possible to reduce them by dropping down to a cheaper plan. Car insurance contact your broker each year to see if there are better deals.

  2. Consider reducing your variable expenses. Take a very good look at this montly expense, this is where most of the savings can be done. Look at expenses like entertainment spendings. To redudce this expenses take a look at what you want verses what you need. Look at the areas that you spend allot of your money. Find innovative ways online to reduce your variable expenses.

  3. Calculate the amount of money you have left over after reduction on expenses. After identifying the areas where you can reduce your spending, subtract that amount form your expenses. Add that extra amonunt to you montly left over money.

Start Paying yourself first

  1. Decide how much to pay yourself
    Now you know how much you have left over every month, you can decide on how much to pay yourself. Experts recomed that you pay yourself from the money you take home, anywhere between 1% to 5%. The best solution is to pay yourself as much as you can from the left over money based on your calculations.

  2. Set your savings goal
    Now that you know how much you can possibly pay your self, set a goal for savings amount. Determine the cost of a goal and devided that by the amount you can pay yourself every month. In that case you can boost your savings amount if you want to achieve the goal in shorter time. Remember that you can also increase you saved amount by putting it in other types of invesment.

  3. Create a separate account
    This account should be created for a specific savings goal to avoid you mixing it with your monthly income money. Consider opening an account with intrest.

  4. Deposit the money straight into the account.
    Make your that you have a portion of the paycheck automatically deposited into your savings account. You can also setup a monthly automatic transfer from your main account. The point is to transfer the money before you spent it on anything else, including bills and rent.

  1. Leave the money alone
    Leave it alone, dont touch it. Don’t take maoney out of this account. Typically that fund should have enough to cover you upto six month. Don’t have enough money to pay your bills, look for other ways to make money or cut your expenses.


Even a small amout has its uses for the future. Start small if you have to and build that habit of saving. Set a goal on how much you wanna save monthly. The idea behind it is that if you don’t save, we somehow always find ways of spending money until we have nothing left. We always find a way of expending our expenses to meet our income. If you cut your income by paying yourself firts then expenses will stay under control. If you can’t find ways to make that extra money or cutting those expenses don’t touch your savings.

10 Steps to Overcome Financial Problems

For many People financial concerns are ever present, especially given the uncertainties of today’s economy. While worrying doesn’t solve much of the problem, having a plan to manage your financial challenges can really help ease some of the stress. And financial literacy may be a solution for most of us.

I believe that the best way to cure anything is to understand the cause and then find ways to eliminate it, rather than just looking for short time solutions to suppress it. Suppressing it is only temporary, if you don’t find a solution for the cause, you will keep seeing yourself in the same situation over and over again. Short time solution only treats the condition temporarily but does not solve the problem.

Main Causes of Financial Mismanagement

The number one reason people get into trouble with their finances is because they lack the skills or financial education to manage their money. Let’s face it, if no one has taught you the basics of money management and budgeting, how would you learn? Or even worse you may have picked up some bad habits from your Parents who probably never had any lessons on money management themselves. It’s a vicious cycle there’s a way out.
Learn to Manage your money for free.

The Main Causes of Financial Problems
  1. Expenses are greater than income. You spending more then what you earning. You’re maxing out the credit card. It’s a spending habit that turns into an addiction.
  2. Living Paycheck to Paycheck. You count the days by the 25s hopping you’ll make it to the next. You always totally wipe-out your salary paying off your debts and expenses.
  3. Debt often make you feel shame or disgrace that often destroys relationships between friends and family members. Paying a big chuck of your salary over a long period makes it worse. Depth is expensive.
  4. Lack of financial plan. Most people lose control of their finances because they don’t just financial literacy but they also lack financial planing and goal. Instead they sit there in their dignity that floats aimlessly in the middle of an Ocean of spending.

Overcoming Preconceptions

Before you can solve your financial problems you need to overcome the following preconceptions.

  1. If only I had more money. Although it’s natural for us to want more money when we experience financial problems. What you need to know that simply getting more money will not solve your problems, if you don’t change the way you manage your money, more money will not save you. So I suggest you shift your focus from changing you income to changing your habits.
  2. I can’t afford it. It’s okay to indulge yourself in purchasing expensive items and experiences that are meaningful to you and won’t put you in debt.
  3. Stand up to pressure. Study where your money is going by regularly tracking your expenses, so you can keep adjusting your spending. And if you fail don’t beat yourself up, just keep trying, financial wisdom takes time to learn.
  4. I deserve a treat attitude. This attitude drives you to make impulsive purchases to reward yourself for hard work or give yourself some other emotional gratification. Remember buying things on impulse wastes lots of money.
  5. I’ll fake it til I make it. This attitude leads you to buying things you can’t afford to simply make you appear wealthy. This kind of behavior can get you into real trouble with your finances. Trying to impress other people socially through an image of wealth is not the way to go.

Overcome the Source of Financial Problem

Money may make the world go round, but it can as easily turn your world upside down. The source of excessive pleasure, it’s also a cause of extreme pain. Money Problems can feel impossible to solve sometimes, but that’s not true.

Financial Illiteracy

The cry for the need of financial literacy cannot be overstated. The good news is that managing finances is not an innate skill, but something that is learned like math, reading and writing.

Unfortunately, financial literacy is rarely taught in our Schools. So people have to take the initiative to educate themselves about the topics such as budgeting and living within one’s means, paying the bills on time, managing credit and debt, making regular contribution to savings and planning for retirement.

10 Steps to Overcome Financial Problems

First thing, one needs to do is identify exactly where the problem lies. Many people avoid this step because they don’t want to know how bad it really is. However it’s difficult to deal with the issue if you don’t understand it.

  1. Identify the Underlying problem.
    Write down your biggest money challenges so you know what you’re up against. Weather it’s making your monthly bill payment, saving for retirement or reducing your credit card debt. Its important to focus on the main source of your financial problem.

  2. Increase your spending awareness.
    Once you have your spending tracking system in place, you can begin the process of raising your spending awareness. Start by knowing what you spending on. Before you spend ask yourself the following questions,
  • Is this something you really want and need?
  • Will this help me reach my goals?
  • Do i really need this?
  • Would this money be better spent else where?
  1. Challenge your attitude towards money.
    Your attitude plays an important role in attracting money into your life or driving it away. Get a little obsessed with money, track every spending and everything you doing with your money.

  2. Determine your Financial priorities.
    The first thing you need to do is review your spending for the past 3 months. Understand the difference between your wants and your needs. A need is something you need to survive, a want is something that isn’t necessary but likely adds value to your life.

  3. Track your spending.
    Tracking your spending on a regular basis can give you an accurate picture of where your money is going and where you’d like it to go.
    Check your account statements, pinpoint your money habits by taking inventory of all your accounts, will help you pin point where your money is going.

  4. Create a budget.
    One of the best ways to combat financial problems is a budget. A budget is a monthly spending plan for your money. With a budget you can no longer wonder, it will guide you on where you need to spend your money. You can download a free spreadsheet here.

  5. Create a plan to pay off your dept.
    If you have dept that has accumulated slowly over the years, you need realistic dept solution that works for your life style, not a quick fix that you cannot live with for a long time. Dealing with dept sooner then later gives you more options in future.

  6. Educate yourself.
    Financial literacy is the knowledge necessary to make important financial decision. It is important because it equips us with the knowledge and skills we need to manage money effectively. Without it our financial decisions and actions and actions we take or don’t take lacks a solid foundation for success.

  7. Start an Emergency Fund.
    Pay yourself first, no matter how much you owe in your credit cart debt, or how low your salary may seem, find some amount, intact any amount from your budget and save in your emergency fund every month.

  8. identify expenses you can reduce.
    Over the next few months identify areas of your budget that need some special attention. Look for ways to decrease your spending. identify product and services that you no longer need but still paying for it. Now all you need to do is identify what expenses you can reduce on and then create a plan to follow through.

The ABCs of COPING with Financial Stress

I personally believe the best way to cure anything is to understand the cause and than find ways to eliminate it, rather then just looking for short term solutions to suppress it. Suppressing it is only temporary, if you don’t find a solution for the cause, you will keep seeing yourself in the same situation over and over again. Short term solutions only treats the condition temporarily but does not solve the problem.

Financial stress, whether it’s the result of redundancy, debt, unexpected expenses or lack of savings, is no fun.

The simmering worry can really weigh you down and tax your health more than you may realize.

Is Money the Top Cause of Stress

Yes it is, and according to the American Psychological Association, In 2015 it was reported that 72% of Americans stressed about money at least some of the time during the previous month. The majority of the study participants reported money being a significant source of stress, with 77% feeling considerable anxiety about finances.

Why Money the Numbers 1 Source of Stress

There are multiple reasons why money is a major source of stress according to experts. One of the reasons is because the way money is viewed in society. For many people wealth equals success. And for those who have money issues, they are usually dealing with debt, which leads to them feeling insufficient or even worthless because they have few assets to show for their work.

Above all that, is the lack of formal education when it comes to money, who’s teaching you about money? There’s a lack of formal financial education in our school system. So many people learn from their friends and family which creates its own set of problems, because most of them don’t have knowledge to teach others about money.

Ways to Overcome Financial Stress

7 ways to Cut Out Financial Difficulties

First thing you need to do is to identify exactly where the issue lies. Many people avoid this step because they don’t wanna know how bad it really is. However its difficult to deal with the issue if you don’t understand it.

  1. The first thing to do is Identify your financial stressors and make a plan. Take a look at your bank statements and take note of where your money is going.  If you having trouble paying your dept, reach out for help. Contact dept rescue.
  2. Use a Budget, It will help you plan your monthly spending which takes into account your income and expenses.
  3. Start tracking your spending. It reveals spending issues and help you stick to your budget.
  4. Change your spending habits, don’t spend money you don’t have. follow the list below
  • Make a list
  • Avoid situations that make you spend foolishly
  • Use a visual reminder, keep a small picture that represents your long term goal in your purse or wallet.
  • Replace bad habits, don’t buy things that you can get for free.
  • Be accountable, share your list with someone you trust and can support your efforts for change, by asking them to hold you accountable
  1. Cut your credit cards why? A credit card in your wallet or purse can prove too much of a temptation to spend more.
  2. Save money. Saving money gives allows you to enjoy greater security in your life. If you have money set aside for emergencies, you have a fallback should something unexpected happen.
  3. Seek help from financial adviser. Financial adviser can be a great help in getting a handle of debt. They can help you get your finances in shape for today and the future.

6 Ways to Handle Financial Stress

  1. Health habits, stay away from alcohol and smoke. While alcohol may help deal with stress in a short term, in a long run it can contribute to feeling of depression, anxiety and make it harder to deal with stress.
  2. Good night sleep, be in bed by 21:30 and wake up early. A good night sleep makes you able to tackle stress more easily.
  3. Eat healthy, stay away from fast food. A healthy diet can help counter the impact of stress by boosting your immune system and lowering blood pressure.
  4. Exercise regularly, go for a run helps your body handle stress better. Exercise also has some direct stress-busting benefits. Exercise helps bump up the production of your brain’s feel-good neurotransmitters, called endorphin.
  5. Stay active, when dealing with stress we usually find our-self spending allot of time in dark rooms, indoors in self-pity. Instead of giving in, stay active and spend time friends to help you stay distracted.
  6. Seek help. Many times, financial stress turns into full-blown depression because people don’t get the kind of help and support they need.

What You Should Know About Stress

1. Stress affects everyone

Everyone experiences stress from time to time, all which carry physical and mental health risk. It can happen repeatedly over a long time. Some people cope with stress more effectively than others and recover more quickly then others.

2. Not all stresses are bad

In dangerous situation stress is good, because it prepares the body to face a threat or flee to safety. In non-life-threatening situation stress can actually motivate people.

3. Long-term stress can harm your health

Coping with chronic stress can be challenging. Long term stress is more constant, the body never receives the signal to return to normal. With chronic stress the same lifesaving reaction within the body that is supposed to protect you, shuts your body down.

Negative Effects of Stress on your Body

When you stressed your body naturally enters a state of emergency, your body roars into a state of Overdrive in which it can handle for a very short time. If you don’t calm down and get rid of it eventually your body won’t be able to handle it anymore and as a results it will start shutting down.

In a short term, physiological changes, including increase in blood pressure, high levels of glucose in the blood stream and decrease in appetite, are important adaptations, which normally causes little damage to our body.

But chronic stress result in suppressed immune system, heart attacks, stroke, diabetes and a range of other conditions

Physical Effects of Stress

  • Headaches
  • Muscle pain
  • Digestive issues
  • Insomnia
  • High blood pressure
  • High blood sugar

Mental Effects of Stress

  • Inability to concentrate
  • Increased irritability
  • Inability to control emotions like anger and sadness
  • Panic attacks
  • Increased anxiety
  • Restlessness
  • Dependency on alcohol, drugs, etc.
  • Depression

Further reading.

Positive Effects of Stress

When your body responds to stress, it prepares itself for the possibility of what is to come. When in a state of stress the body produces chemicals that helps regulate the immune system, providing at least a temporary defensive mechanism.

Low level stress helps boost brainpower, low-level stressors stimulate the production of brain chemicals called neurotrophins, and it strengthens the connections between neurons in the brain. Good stress, also known in the scientific community as eustress, may just be the thing you need to motivate you to succeed.


Managing stress is very important as it leads to a happier and healthier lifestyle. Handling stress better will help you make better decisions in crucial moments.

10 Ways to Manage Stress

How you handle stress makes a big difference in how you feel. If you handle it bad then it will have a negative effect on your blood sugar level, blood pressure and the rest of your body. To better handle stress in a nutshell, run or walk, meditate and do yoga.

1. Be observant

Recognize the signs of your body’s response to stress, such as difficulty sleeping, increased alcohol and other substance use, being easily angered, feeling depressed, and having low energy.

2. Talk to your health care provide

Get proper health care for existing or new health problems. Effective treatment can help if your stress is affecting your ability to work.

3. Practice Mindfulness or Yoga

Mindfulness is a mental state achieved by focusing one’s awareness on the present moment, while calmly acknowledging and accepting one’s feelings, thoughts and bodily sensations, which is achieved through Mindfulness Meditation. Mindfulness teaches you to control you mind.

Learn to practice Yoga ,is known for its ability to ease stress and promote relaxation. Yoga is effective in reducing stress, anxiety, and depression. Thus, it can be used as complementary medicine according to the International Journal of Preventative medicine.

4. Exercise and Relax

Exercise is one of the most important things you can do to combat stress. The benefits are strongest when you exercise regularly. People who exercise regularly are less likely to experience anxiety than those who don’t exercise at all. There are few reasons behind it.

  • Exercise lowers your stress hormones
  • Exercise can also improve your sleep quality, which can be negatively affected by stress
  • You may feel more competent and confident in your body, which intern promotes mental well-being when you exercise regularly

Use a Acupressure mat, it will help you relax, relief stress and tension.

5. Get Outside

Spending time outdoors, is linked to better well-being. Doing something active like walking or hiking even for a few minutes can improve the way you feel.

6. Get together with Friends

When you feeling overwhelmed, seek out the company of a friend or loved one. Have a friend that dealing with the same worries as you and talk about it. It helps when you share what you feeling with other people close to you.

7. Write it down

Writing thins down is one way to handle stress. Jotting what you grateful for or recording what you stressed about is one approach. Gratitude may help relieve stress and anxiety by focusing your thoughts on what is positive in your life.

8. Chewing Gum

Chewing gum during stressful times has been found to help alertness, reducing anxiety, stress and salivary cortisol levels. If you feeling stressed, a piece of gum can help soothe your nerves and give your mouth something to do.

9. Spend time with Family and Friends

Being social and spending time with friends helps coping with stress. People who spend time with family and friends find healthier ways to cope with stress. Having a strong social ties may help you get through stressful times and lower your risk of anxiety.

10. Laughter

When it comes to relieving stress, more giggles and guffaws are just what the doctor ordered. Whether you giggling from a sitcom on Tv, or giggling from jokes on social media, laughing does you good. Laughter is a great form of stress relief, and that’s no joke.

Good sense of humor can’t cure all ailments, but it can help you with stress. A good laughter has great short term effects. It doesn’t just light up your load mentally, it actually induces physical changes in your body.

Laughter is the best medicine for relieve of stress, go ahead and give it a try. Turn the corners of your mouth up into a smile and then give a laugh, even if it feels forced.

Short term benefits of Laughter

  • Stimulates your organs, it enhances your intake of oxygen
  • Actives and relieves your stress response
  • Soothe tension. It can stimulate circulation and aid muscle relaxation

Long term benefits of Laughter

  • Improves your immune system. Negative thoughts manifest into chemical reactions that can affect your body by bringing more stress.
  • Relieve pain. It may relieve pain by causing the body to produce its own painkillers.
  • Increase personal satisfaction. It helps you connect with other people and makes it easy to deal with difficult situations.
  • Improve your mood. It can help lessen your depression and anxiety and may make you feel happier.


Stress is part of our everyday life, sometime we get caught up in situations than cannot easily be resolved. The problem is always the situation behind it. And most of the time money is the main factor of stress in our lives, and the only solution is to do something about it.

Maybe you not sure what to do or where to start, it doesn’t really matter, just find something and do. It may start as nothing but along the way you may obtain skills that will open your eyes to possible solutions to your problems. Doing nothing because you don’t know where to start is the worst thing your can do for yourself. I can confidently tell you now if you don’t act and change the situation you in right now it will not go away until it’s resolved.

How to write a Blog Post for beginners 2020

Crafting a good Blog post takes time and Successful posts are usually educational and answer questions that help the reader resolve challenges.

Follow this few simple steps on how to create a blog post and success is guaranteed. If you want to start a blog, I recommend wordpress.

Part 1. Writing Style

1. The first thing you need to do is determine your writing style.

  • Research blogs that are similar to yours
  • Get some ideas by looking at the layout, content and images.
  • Pay attention on how long the posts are, writing style and subject matter.

Business blogs

  • Look at how others approach certain business topics.
  • Check if sites have active comments board.

2. Consider your Audience

Consider who you writing for, your language and style will shift depending who you writing for.

  1. Personal blogs -Family and Friends
  • If you writing for family and friend be honest.
  • Be casual as much as you like.
  • Treat a personal blog like a conversation.
  1. Personal Blog – Large Audiance
  • Be casual and honest
  • But you may need to include references, glossary or explanation so your readers can follow along.
  1. Marketing or Business blogs

These types of blogs are about more formal. But you still need to have the conversation tone. Avoid confusing or boring the audience. Think about what your readers expect.

Are you trying to provide information to the reader/buyer in order to persuade him to buy a product?

  • Think about the information your readers already have, if they are millennials you probably don’t need to educate them on social media.
  • Give them information on how to adjust their approach to social media to more business oriented.

3. Say Something Different

  • Say something different about certain topics/issues
  • Offer a unique opinion based on your experience

Part 2. The Introduction

Create and introduction and give your opinion on the matter/topic.

1. Chose a topic

  • It can be general or specific, but keep in mind according to experienced bloggers specific blogs are more effective.

Personal blogs about product reviews should consider the issues or problem you interested in discussing.

If you writing a business post, focus on the aspects of the business that may be interesting to your customer. E.g if you reviewing cell phones you may wanna talk about.

  • The latest cell phone release
  • Your favorite phone
  • Why is it your favorite phone

2. Title

When choosing a title consider the following.

  • The title should be specific to the topic
  • Have a bold title that attracts the reader
  • Have a simple rather then a complicated title
  • Having a title that is easy and clear to read are most effective

3. Write a captivating opening

This is the part that hooks the reader. In fact it is proven that if the person reads the first 3 to 4 sentences they are more likely to read the rest of the post.

How to Write a Grabbing Opening

  • Identity a need, problem,issue
  • Create an opening line that promises the reader an answer
  • Ask intriguing questions
  • Say something unexpected, but must be related to the topic
  • Make claims or Promises ( This technique is good for business blogs, but make sure you can back your claims)

Part 3 Creating the body

  1. Organize your content, keep it short and break it down into sections, short paragraphs and subtitles.
  2. Draw from outside sources and include testimonial.
  3. Give your reader practical and easy to apply advice. Break it down step-by-step.
  4. Keep the contest at the points. Avoid packing too much information into a post.

Part 4. Editing and Wrapping up

  1. Call to action, meaning involve the reader by asking him direct questions at the end of the post.
  2. Add featuring image. Pictures are good for breaking long paragraphs and keep the reader engaged.
  3. Revise the post, read it and edit grammatical errors.

Part 5. Blog Maintenance

  1. Publish the blog at a certain time of the day or night when your readers are already online. Publishing during the week gets more Trafic.
  2. Spend time updating and editing the post.
  3. Responde to reader comment it encourages conversation with other readers.

Wealthy Affiliate

Wealthy Affiliate is an online platform where one can learn Affiliate Marketing. If you hopping to start a block or a e-commerce business then Wealthy Affiliate is a good place to start.

Before I jump into this review let me, pull the handbrake for a moment here, if you looking for some get-rich-quick opportunities or ideas you are probability in the wrong place.

However, if starting an online business is what you looking for, so you can get that life style and peace of mind you so much want. Then join us at WA.
And if that little voice in your head is telling you that you probably too old or you probably won’t succeed, ignore it and join me for free at WA and I will show you that you too can succeed.
As a new member, you get to start for $0, go through the first part of the training and that will help you decide if it is for you or not. And if you decide to become a premium member you only pay $19 for the first month.

This is what WA has to offer

  • A step-by-Step affiliate training which includes video and script
  • Live webinar training
  • Community that helps each other, networking with other members

Now let’s talk about its Origins and what WA is all about

Kyle and Carson founded WA in 2005,
it is an online platform where you can learn to make money online by means of affiliate marketing or starting your very own online business. It consist of a community of over 1.0000 active members. The all-inclusive platform allows you to create, grow and manage your online business with zero experience.

How do you make money online? A quick overview
You probably wondering how I make money online right, well let me give you a quick overview

OK Time out, reality check…

All the knowledge in the world will take you nowhere if you don’t act on it, and I will be blunt honest if you seeking for health and peace of mind, then let me tell you…. Money and material possession is essential for freedom of body I mind.
I didn’t say it, Napoleon Hill, author of “Think and Get Rich” said it and you know what I agree with him.