Tips

Important Tips to Avoid Bankruptcy

Here in this informative article on the 10 tips to avoid bankruptcy, we will see some of the smart things to do to avoid having to be one of those who end up in bankruptcy proceedings. Knowing the facts will help save you from many financial problems and probably give you much more peace of mind. Please read on to find out the ” 10 tips to avoid bankruptcy.”

The first tip is of course to have a budget. This first tip is fairly self-evident to most people. If you budget your money, you know exactly where your income is going and there is no confusion. There are no “leaks” in your money supply when a budget is strictly adhered to, and you have confidence from knowing what will happen, month after month. Those little “spending sprees” will probably have to be eliminated, but in the long run it is worth it. This is the probably the most important tip of the “10 tips to avoid bankruptcy.”

The second tip is to get a piece of paper and write down all your debts. Add up all your debts and then compare them to your income. This tip can go hand-in-hand with the first tip and give you an understanding of where you really are financially speaking. To avoid bankruptcy, you must of course have at least as much coming in as you do going out. If you are simply living off the credit in your credit cards, you will no doubt have a day where this will crash your finances and probably cause a bankruptcy to happen.

The third tip in the ” 10 tips to avoid bankruptcy ” is to get a second job. This really can work wonders. Having a second income, while your bills do not increase is a real boost, and is one of the best ways to avoid bankruptcy. Use step one and two and then if things look too negative, getting a second job is probably not just an option, but a necessity.

The fifth tip is; enroll in a debt management program with your creditors. This has the ability to consolidate your debts if your creditor will allow you to do so .

Next, ask your friends or family for a loan. If you can get one from them, see if they will do it for a zero percent interest. It may turn out to be a big help.

The seventh tip is to seek out some of that free government money that is being handed out these days. If this seems too good to be true, please note that many have done this. Its better to ask and get turned down than not to ask at all. This is probably the easiest of the “10 tips to avoid bankruptcy”.

The next tip is quite obvious; avoid going into debt at all. Pay cash for everything, and your mind will always be at ease. If you prevent yourself from entering debt you avoid bankruptcy completely. This option is seldom taken and because of it, we are having the problems in society we see today.

The ninth tip is to get rid of the credit card debt you have. The rates on those cards are some of the worst rates you have for buying on credit. If you can pay off the cards, your battle is nearly won and you can avoid bankruptcy much easier.

The last tip is called “debt settlement” and may be the last-ditch attempt to avoid bankruptcy. With this option you stop paying your creditors and put the money they would be getting into a savings account. Later, after all the creditors are breathing down your neck for payment and threatening to enter you into bankruptcy, you use the money in the savings account to “settle” with them. This is a desperate attempt, but again may end up being the tip out of all the “10 tips to avoid bankruptcy” that works for you.

3 SEO Tips For Freelance Writers to Increase Website Traffic

If you’re a freelance writer and want to generate traffic for your website or blog, you must start learning about search engine optimization (SEO). Why? Because competition is fiercer than every on the web.

Some experts estimate that as many as 100,000 new websites go live every day That’s 36,500,000 new websites a year! And, I venture to say that that’s a conservative estimate. So following are three basic SEO tips that every freelance writer can start using immediately to increase website traffic.

1. SEO Tips for File Naming: Naming your files descriptively will help you get more page views because search engines can more readily identify what they’re all about. Let’s use a photo as an example. If you had a freelance writing website and you uploaded a graphic to the jobs page, instead of naming the file .jpg1, name it “editing-jobs1.jpg.”

2. SEO Tips for URLs: This piggybacks on the above tip. When you are naming your files, use hyphens as opposed to underscores. This is extremely important for SEO purposes because search engines treat hyphens as a space. This means that they recognize the words on each side of it as separate entities. This is not the case with underscores.

As an example, if a surfer typed in the phrase “editing jobs” and your file was named “editing-jobs.htm,” for example, the search engine would return that page as a result. It wouldn’t if it was “editing_jobs.htm.”

3. SEO Tips for Title Tags. This is one of the most important SEO tips you can use to increase traffic to your website/blog. Don’t name all of your website pages the same thing. Each page should have a unique title – one that is relevant to the content on the page.

The title tag is what shows up in the bar across the top of the page when you’re on a website. It should be directly relevant to what’s on the page, and should contain your main keyword phrase.