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Secrets to how to reduce your debt – even in this down economy

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Secrets to how to reduce your debt - even in this down economy

Have you ever heard the saying, “I’d rather go to bed hungry than wake up in debt”? 

Add nothing if you’re looking forward to reducing your debt. Debt is a core problem that many of us have faced since becoming an adult. If you don’t do anything to get out of debt, you’ll be in debt for the rest of your life and it could end badly. 

A debt is money that one person owes another. 

To reduce your debt and get rid of it faster, do the following: 

– Get an Emergency fund 

They are the funds allocated for the settlement of unexpected expenses and events that may occur in life’s journey. Emergencies can be medical bills, car damage, unemployment, etc. 

Having an emergency fund gives you a safety net to get you out of massive debt. All you need is three to six months off to do your savings. Alternatively, you can increase the amount based on your income and earnings. It took time to acquire the debt you owed, and it will take time to repay it. So make those sacrifices today and get rid of that debt. 

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– Look for opportunities to earn extra cash 

From offline jobs to online jobs, there are many opportunities that most people are unaware of due to lack of information. You can improve your skills by taking in-demand online courses like digital marketing, data analysis, social media management, or becoming a freelance writer. Find out what you can learn and get the knowledge you need or get an offline job that could pay you from time to time. 

Many companies and industries are looking for good professionals in various fields and when you are armed with the technical know-how, you can get out of debt in no time. 

Read: 10 Cryptocurrency Investment mistakes to avoid (don’t be a victim of #3)

– Create a budget tracking 

Tracking your budget helps you see how you divide your expenses into sections and how you manage your funds. Plan your budget for the day, week, month, or even year. 

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With detailed budgets created, you know exactly how much you’re spending, your variable costs, and your fixed costs per hour. 

Once you have a budget, stick to it. 

– Stop accumulating debt

 The first step to getting out of the debt trap is to stop accumulating more debt. There are several ways to stop the accumulation of debt. It’s about avoiding unnecessary spending, going to the grocery store at all times, buying in bulk when you don’t need it, and being online all day long. This is counterproductive. 

You can start living debt-free today by staying away from things that can get you into debt. 

– Stop credit card spending 

If your spending is excessive and extravagant due to your credit card, ban it from your account immediately. To do this, you need to instill discipline so that you won’t regret it later. 

– A change in mindset about expenses 

As individuals looking for ways to get rid of hung debts, refine yourself and buy only what you need until all debts are paid off and promise not to buy anything that isn’t of necessity to you. 

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Needs are your essential requirements and necessities in your life journey, and Wants are your desires, but it is more likely that you can actually live without them. So will you keep the promises you made now? 

Read: Some of the most in-demand jobs/roles in 2022

-Living under your means 

According to Senator Elizabeth Warren’s 50:30:20 rule, 50% to meet your needs, 30% your desires, and finally 20% will meet your savings and investments which sums to 100%. 

Living below your average will help you not spend more than you earned and thus will help you cover more expenses and basic needs, thereby getting out of more debt and eliminating the possibility of incurring. 

Read: 5 things you will never regret doing

Conclusion

Don’t be a fast-borrowing, slow-paying person. Remember that debt is like a child. The smaller the debt, the louder the noise.

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Apps you need for your Whatsapp TV business

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Apps you need for your Whatsapp TV business

Introduction

WhatsApp Business/TV/Media creates value by entertaining or educating their audience through their WhatsApp status by regularly posting memes, relationship posts, marketing tips, and valuable videos and content gotten from the internet; recreated by them or content created solely by them.

This cannot be done by the mere WhatsApp application, rather it can only be done by some specific applications which are required to be downloaded and utilized by WhatsApp Businesses/Media/TVs.

These apps are necessary for content creation and information marketing. They are also used to add business tags to the content created.

Note: Always add your trademark or tag to all your content.

This article is explained under the following topics:

  • Why a WhatsApp business/TV needs some essential apps to function
  • Apps you need for your WhatsApp Business/TV/Media 

Why a WhatsApp business/TV needs some essential apps to function

These apps are needed to make their business strive, save time, money, energy and also and enhance creativity.

Apps you need for your WhatsApp Business/TV/Media

WhatsApp tool

This is an app that is available on google playstore. With this app, you can send messages to different contacts at the same time. You can send as many as 500 contacts messages at the same time and can also download status videos and images to your phone.

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Read: How to start a WhatsApp TV/Media

WhatsApp bulk sender

You can use this app to save all group contacts and message all of them at the same time in a very short period of time and it does not take time.

Skedit

This is an awesome app that helps to schedule whatsApp messages to your audience in groups and on status, acting like a virtual assistant and putting your communication on autopilot.

Whatsapp autoresponder

You can set auto-reply messages for your audience coming to make inquiries from you on WhatsApp. You can also teach in more than 20 WhatsApp groups at the same time using this app.

Google contact

With this app, you can organize your contacts using labels and these labels can be exported as excel, while you can import them to other social media WhatsApp messaging apps to use them to create bulk SMS contacts.

Google contacts help you save your contacts to Gmail so that if anything happens to your phone, you will not lose your audience contacts.

FilmoraGo

Is an android video editor app in which primary functions like trimming, cutting, adding themes, music, etc. can be easily performed, beautifying your video.

Inshot

This is an image and video editing app suitable for WhatsApp businesses/TVs/Media. InShot has the following features:

  • Image editing
  • Video splitting
  • Video trimming
  • Merges video clips
  • Import photos and images
  • Applying various filter effects
  • Adds music or sound effects
  • Adds voice-over effects
  • Adds animations, stickers, or text to videos

How to use InShot:

  1. Download the app from the Apple Store or Google Play. 
  2. Import and edit videos and images.
  3. Add sound effects, voice-over effects, or music to it.
  4. Add text to your edited image or video.
  5. Add custom animations and stickers to your videos.
  6. Choose a suitable video resolution (480p, 720p, or even 1080p).
  7. Save and share on social media channels.
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Canva

This is a photo and video editor app basically for graphic designs, where you can design social media posts, videos, flyers, photo collages, etc. and this app has a lot of professional templates to help you edit your photos.

Steps on how to use canva

  • Create an account on canva.com
  • Select the design type of your choice or choose your design custom size.
  • Design from scratch or choose a design template.
  • Edit the design.
  • Download your design when you are done.

KineMaster

This is one of the best video editing apps that enables the drag-n-drop technique in order to import different media files with ease. KineMaster provides certain levels of control when editing to create quality videos. Different transitions can be added in between video fragments, or insert blocks of text or subtitles.

KineMaster has the following features:

  • Several video layers, stickers, text, and images.
  • Keyframe animation tool to add motion to layers.
  • Voiceovers, voice changers, sound effects, and background music.
  • Create beautiful effects with a blending mode.

Snapseed

This is an advanced photo editing application designed to be operated via touch first, offering a near-desktop experience in terms of editing.

Snapseed features include:

  • Enhance structure and sharpening.
  • Advanced color curves.
  • Advanced white balance controls.
  • Crop and rotation with guides.
  • Perspective changes.
  • Expanding feature.
  • Brush and selective edits.
  • Healing feature.
  • Double exposure feature.
  • Text support feature.
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How to use Snapseed:

  • Download the Snapseed app and open it on your device.
  • Open Snapseed and give the app permission to access your photos.
  • Tap the plus (+) sign to open your photo library within the Snapseed app.
  • Scroll through your photos and choose one to edit. The photo will open on your screen with an editing menu below.

Sticker maker

Sticker maker is an app needed for WhatsApp TVs in order to create and send personalized stickers on WhatsApp. 

WhatsCrop

This app crops and shortens images to fit your social media profiles and also supports manual adjustment of size and rotation while uploading or sending it on WhatsApp. 

The WhatsCrop app automatically adjusts the image size to be the maximum size without losing any part.

Directchat

Direct chat app allows users to create chat heads for any app or messenger, providing users with a convenient conversation experience without interrupting their current tasks on their devices.

WtsAppy

WtsAppy is the essential Android app needed for WhatsApp users who like to save time and dive into WhatsApp chat without saving a number to the contacts.

Go to call logs and select an unsaved number, then click on share “Share to WtsAppy” to start chatting with any unsaved number directly from call logs or directly copy/paste the number into WtsAppy App.

Conclusion

In order to run a successful WhatsApp business/media, the apps listed above are important to have in order to be able to leverage the business, giving your audience the appropriate and required values.

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What are the best jobs for girls?

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What are the best jobs for girls?

If you are looking for the best job for girls, stay-at-home mum, profession for women, or home jobs for women then you need not look any further because, in this article, we shall be disclosing them to you. 

Which job pays the most money

Table of Contents

Introduction

As a lady, you can make a mark for yourself, work in places or organizations that are being dominated by men and make waves therein. 

There are a lot of jobs out there and ladies should be able to stand shoulder to shoulder with men occupying these spaces at all cost, as a lady, you can leverage your passion, creativity, and love for any job at all thereby standing out and be financially independent and successful in all facet. 

As a student, job seeker, or even a working woman, you can get your dream job and create a name for yourself in the long run. 

Below is the list of jobs that are best for girls, ladies, and working women:

  • Freelancing Job
  • Teaching Job
  • Sports
  • Beauty and Cosmetics
  • Fashion designing
  • Proofreading 
  • Sales and Marketing 
  • Digital Marketing 
  • Content writing
  • Online tutor
  • Yoga trainer jobs
  • Accounting Jobs
  • Law Jobs 
  • Medical Jobs
  • Counseling Jobs
  • Software developer amongst others. 
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Which Job is best?

This list goes endless and if we are to consider others then the ranking might be equal nevertheless here is our final note on the best jobs to go into today:

1. Anesthesiologists: 

The BLS defines anesthesiologists as physicians who “administer anesthetics and analgesics for pain management prior to, during, or after surgery.”

2. Gynecologist 

They are doctors specializing in vaginal, ovarian, uterine, and cervical reproductive health and childbirth, known as obstetricians-gynecologists. 

3. Surgeons

Surgeons perform operations to treat broken bones and diseases, such as cancer. Surgeons help manage the patient’s care before and after surgery. 

4. Orthodontist 

Orthodontists specialize in corrective measures for the teeth and are often referred out by the patients’ dentists. High-achieving orthodontists require good communication skills, as they work with patients directly, plus strong analytical and problem-solving abilities.

5. Psychiatrist 

While all psychiatrists help treat mental health issues, it’s a field with a vast range of specialties. Some work on child and adolescent psychiatry, for example, while others specialize in forensic (legal) psychiatry, addiction psychiatry, or consultation psychiatry, which occurs in a medical setting. 

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6. Air pilot and Flight Engineers

Working in the aviation industry can mean a lot of time away from home, but it also leads to a nice paycheck in many cases. Flight engineers do preflight checks, monitor the plane’s cabin pressure, assess how much fuel is being burned, and perform other important duties.

7. Computer and IT managers 

Computer and information technology managers function to oversee electronic data processing, information systems, systems analysis, and computer programming. They evaluate the information technology (IT) needs of a business or government body and work with technical staff to implement computer systems that meet those objectives.

Which job pays the most money?

Are you interested to know which job pays the most money and spicing up your daily diet, this article unravels those listings for you? Everyone wants to be successful and to become this we need to follow a career path that will lead us to achieve those results. 

Now, it’s time to take sit on your sofa, get a coffee to sip, and lower your back as you read on. 

1. Surgeons

2. Pilots

3. Sailor 

4. Judges

5. Medical doctors

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6. Medical Laboratory Scientist 

7. Radiographer

8. Physiotherapist

9. Petroleum engineer

10. Lawyer

11. Military officer

12. Software engineer

13. IT

14. Entertainment 

15. Nurse 

16. Pharmacist 

17. Graphic designer. 

18. Aeronautic engineer 

The list goes on and on, it’s time to jump into one and dive deeper. 

What job has the highest paying salary?

The so-called degrees or any other qualification in Nigeria are as good as useless and trash in today’s Nigerian labor market. The core reason is there are no employable job vacancies in the field to recruit graduates of such fields or the pay accrued is somewhat nothing to write home about. 

Nigeria is the giant of Africa but the rate of unemployment is at its peak. 

This is a must-read for everyone who needs to consider a high paying job in this harsh economy:

1. Health jobs

2. Digital Marketing 

3. Sales manager and jobs

4. Entertainment 

5. Petroleum engineer 

6. Communication jobs

7. Legal jobs

8. Financial Accounting jobs 

9. Business manager

10. Software engineer

11. Data Analyst

12. Pilot

Check: 13 Best Jobs for Women in the 21st Century

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What is financial planning in Business?

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What is financial planning in Business?

Financial planning is the process of estimating of capital necessary for accomplishing the organization’s business activities and also aids in the creation and planning of financial resources for the future.

What is financial planning?

It relates to the provision of assets, investments, and an organization’s funds management. Financial planning is the process of formulation of goals, policies, procedures, programs, and budgets that refer to the organization’s financial activities.

Financial planning means:

  • Providing appropriate funds
  • Providing an appropriate balance between the incoming and outgoing funds.
  • Preparation of growing and development programs that ensure the long-term sustainability of the organization.
  • Decrease of uncertainty regarding market changes that the organization may face.
  • Decrease of the uncertainty which could affect the organization’s growth, helping to provide stability and profitability.
  • Financial planning means predicting, directing, synchronizing, and premeditated distribution of the elements of an organization’s finance function.

How is financial planning important?

Financial planning helps you to make the best financial decisions based on your needs, goals, and objectives. Additionally, it helps you be in control of your income, expenses, and investments such that you can manage your money.

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You need to note that the most important initial element in financial planning is Budgeting.

For a Budget, you need to:

  • Understand what you spend over a year
  • Set a budget to cover your living costs and all your holidays and entertainment
  • Stick to the budget
  • Reduce your short term debts, such as credit card balances
  • Establish an emergency fund

What are financial planning tool?

Inasmuch as there are paid tools for your finances there are some free tools that are ready and set to go for your financial plans and they include:

  • Social Security Retirement Estimator
  • Retirement Ballpark Estimator 
  • Mutual Fund Amalyzer 
  • 529 Expense Analyzer 

Check: What Is a Financial Plan, and How Can I Make One?

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