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Tips You Can Use to Repair Your Credit

Here are a couple tips you can use to repair your credit.

All cases of bad credit are not a result of people being irresponsible. Some bad credit is strictly because of unexpected hardships that affect their financial situation. You may have been that person who paid your debts on time maybe even before due and then the next day an accident, job loss or health situation changes everything overnight. This can wreck your great credit rating and it was out of your control.

You can hire a repair service to get disputed entries removed from your report. But did you know that you can often get the same results at a much lower cost? It can be time-consuming. Below you will find 2 tips that can help you correct your reports yourself.

Option #1: File a Dispute with the Credit Bureaus

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Even Santa Needs a Budget

Have you thought about it,  even Santa Needs a Budget?

Can you imagine if Santa didn’t determine how many children he had to buy for before he started making toys?

When planning out your Christmas List create the budget to go with it.

  1. It is very simple to set up and Excel page to plan and track your spending.   I’m sure if you looked online there is an app for that.
  2. Make a list of all the wonderful people in your life you want to purchase a gift for. Don’t forget the people who deliver your mail or pick up your trash or any other services you receive on a regular basis.
  3. Put the amount you are planning to spend next to them
  4. Total the amount of all those gifts

If you just choked at the total it is time to reassess the amount you are spending on each.

Christmas is meant as a time of giving what you can afford, not going into debt.   Don’t get caught up in the merry-go-round of keeping up with the Jones’ when the Smiths are drowning in debt. Create some traditions that have nothing to do with money but the true meaning of Christmas which is giving from the heart.

Here are some suggestions that cost nothing or very little to give but could be priceless.

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How to Create Your Family Budget

Learn simple tricks how to create your family budget.

If you are single the job is much easier. Singles tend to have a pretty good handle on what they earn and what they have for expenditures. Creating a Family Budget is an entirely different animal.
Families typically have multiple sources of income such as 2 incomes. This being the main reason it is necessary to create a true budget. However, sticking to a budget can be difficult but can enhance your family financials greatly allowing you to save for the important things in life such as college or vehicle.

Let’s get started:

1. Make a list of all income no matter how large or small. If some income is based on commission or can fluctuate always base on the lowest amount.
2. Start listing all your expenses on your phone or a notebook for at least a month. You will want to keep all your receipts and ask family members to turn theirs in at the end of each day, otherwise, they get lost.
3. Total your expenses for the month. Include everything! Monthly bills, groceries, lunches, gas, and parking costs. Don’t leave out ANYTHING.
4. Now gather the family and find out how you can trim your expenses. There are some things that are nonnegotiable expenses and others that could involve maybe fixing coffee at home instead of stopping at Starbucks or planning to take your lunch twice a week instead of eating at St Louis Bread Company.

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Is Your Spouse a Workaholic?

Tips to Keep Your Marriage Healthy if your spouse is a Workaholic.

Use these tips to keep a happy marriage and live with your WORKAHOLIC spouse.

  • Don’t be a Nag. Nagging or complaining will not work.  Try using a positive tone when talking about what they missed because of work.  Maybe a dinner with negative or the defensive tactics will kick in.
  • Stop Enabling your spouse’s behavior as a workaholic.  Do not change your times and delay meals or activities just because you “hope” they might be home by then.   Be careful about interrupting your children’s typical bedtime trying to keep them up to see your spouse.Workaholic
  • Leave them be. Show them the consequences that come from working too much.  Go on and take your children to the movies or to Disney.  Even if it means leaving that spouse behind.  Continue making memories with the important people in your life.  Do not put your life on hold because they can’t take time off or refuse to take time off.

Work Work Work

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Stop Sitting Too Much – Exercise

Stop Sitting Too Much.

Do you think exercise is important?

As a business owner if your employees stay healthy it saves you on productivity, insurance, training, and morale.  According to the World Health Organization, 3.2 Million deaths can be attributed to lack of physical activity.

Are you sitting too much?

Here are a few tips on ways to stay in shape while at work.  As we know the problem with most exercising is life requires our time that is priceless and has to be used in other ways.    If you could accomplish this missing link at work, why wouldn’t you?  Therefore, many companies are adding incentives for getting healthy.

Do you think staying healthy is important?

Article #1:  #1 in the article they talk about being a Twinkle Toes and tapping your feet under your desk for circulation.   That is certainly a simple way that all of us can get in a little exercise.

Article #2: This is a tremendous article with visual moving instructions.  One that that got my attention was called the Hallelujah.  Simple as sweeping arms above your head and down again as you step from side to side.   They say yelling Hallelujah is totally optional.   For those who do this at church, it may come a little more natural.

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6 Ways to Motivate Your Employees

 

No matter the size of your company you can use these 6 Ways to Motivate Your Employees simple tips to create the ideal workplace.  Ever had a goal to be noted as one of the best places to work?   We know when our employees are happy they are much more productive.  The question is how do you motivate them in the interest of growing the company.    Motivating employees don’t necessarily cost a lot monetarily but it does take forethought and planning.

The smaller the business the more you need to increase productivity.

You also need employees that work like the company belongs to them.

Plan

This maybe a simple as putting reminders on your phone to simply wish someone a happy birthday or to plan around holidays.   Plan ahead to tell people how much you appreciate them.

Communication

If your employees don’t know you they won’t respect you.  In turn, they will not have the same investment in the success of the company.  Get to know your employees and call them by name.   Set goals as a team.   Good communication either makes or breaks a company.

Example

Never expect out of an employee something you wouldn’t be willing to do yourself.  Keep in mind they will mirror your actions.  If you are grumpy they will be grumpy.  If you don’t treat people with respect they will not treat them with respect.

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Leadership Skills in 4 Easy Steps

Increase your Leadership Skills with these 4 Easy Steps

 When many hear the word Leadership, they think of CEO’s, Business Owners of Big Business, Ministers or Elected Officials.    While that is true you need good leadership skills in any occupation.

Effective leadership doesn’t come naturally for most of us, it is a learned skill. There are several methods that you can use to build and refine your leadership skills.

Let us help you Discover the leader in you!  Use these techniques to boost your leadership skills:

  1. Focus and set goals. Consider what you want to accomplish in different areas of your life. Set goals that will help you to achieve this and reach your goals.

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I DO IT ALL

Have you ever felt like I do it all and my family doesn’t even notice? Of course, you have as every person feels this way at one time or another.  We need to take care of ourselves!  We are better spouses, parents, and employees when we take care ourselves.   If you’re looking to become a better person the following 6 tips will help smooth the transition into creating some new habits.

Choose How You Start Your Day

You have a choice every mo

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Teaching Your Children to Save

Teaching Your Children to Save is priceless developing their lifestyle when they are grown.
Start with their first piggy bank. Let them begin when they are young. Make it fun and easy to save. Teach them the goal is to fill up the bank. Encourage them to put any change they receive into their bank and not spend it.

Open a savings account for them. Recommend taking a percentage of all gifts and money earned and put into their savings account. A perfect example of compound interest is to show how doubling a penny once every day for 30 days will eventually generate $10 million dollars!piggy-bank-1446874_1920

Create a visual. Draw a thermometer on paper to show how much they are saving, allowing them to see the progress. Another Visual would be using a long strip of paper and a marker. Have $0 on one end and $100 on the other end. Create milestones $5, $25, $50 etc. Depending on their age give our sticker rewards.

A clear jar is another great visual for kids to see results as the jar fills. Have a goal of how much they want to save before they take the money to the bank to put into their savings.

Be a True Example. Show how you are putting money in your savings. It could be that you share with them the envelope system by money guru Dave Ramsey. You break money down into 3 or 4 sections and put them money in each of the envelopes.

Talk to your children about money. They do not teach this in the schools so it is up to the parents to make sure children understand how to save or they will always live paycheck to paycheck.

Asking right questions can get them to think long-term and have a positive relationship with money. Letting your children know you’re always open to have a conversation about money can encourage them to ask questions. It is a tough learning curve.

MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?
 

Local Marketing

When it comes to Local Marketing not everyone understands the importance of local directories!

You may have ignored your local search options in the past but that is no longer an option. You may have not done this intentionally but this is a must since it is a way for the playing field to be fair for every business owner.   If you want to be seen on Google this is a must!

This is the first-place Google recognizes you as a business.   We live in a google search first society.

Let’s make sure you are listed.

Credit: http://www.elementarytech.net/2016/01/18/february/

What Is Local Search?

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