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My Passion

Hello everyone. My name is Anne – a Jewelry Maker, and Blogger. I’ve always wanted to share my day to day experiences through blogging. It is my first love. I love to write and connect with the people who reads my diary online.

But here in my new blog, I will also be sharing my passion – Jewelry Making. Well you know, I started making this stuffs using beads and then it just so happened that I’ve become more addictive in creating jewelry using metals.

You’ll get to know me more and keep updated with my blog posts.

Love lots, – Anne ♡



Ten Quick Guidelines – Financially Speaking: Great Tips To Help You Manage Your Money

During difficult economic times, intelligently managing your personal finances can mean the difference between living comfortably, and losing your home or being forced to file for bankruptcy protection. This article was written with the average person in mind. It is designed to help you improve your financial situation by teaching you to intelligently manage your personal finances.

Your personal finance is very important. Make sure that you end up with more money then you started with. It is very common for people to overspend, and before they realize what is happening they end up with a mountain of debt. So make sure you are bringing in more than you are taking out.

It may be helpful to keep a small envelope in your purse or bag whenever you go shopping. You can store all your receipts in one place with this envelope. Keeping up with these items can help you to maintain more accurate financial records. Although, the chance is small that you’ll be double charged, having the receipts will make it easier to see on your credit card statement.

Use a card for small purchases each month such as groceries and gas and pay it off or pay off a majority of the balance each month. This will show creditors that you are capable of handling your card and being responsible with payments. Doing this on a regular basis will help to repair that bad credit score that you currently have.

Always look for ways to save. Audit yourself and your bills about once every six months. Take a look at competing businesses for services you use, to see if you can get something for less. Compare the cost of food at different stores, and make sure you are getting the best interest rates on your credit cards and savings accounts.

To achieve a more stable financial situation, you should open up a savings account and put money in it regularly. Socking away money in advance means you have to rely less on credit when disaster strikes. Even if you can’t deposit a lot, you should still save up what you can.

Patience can be beneficial when it comes to personal finances. When electronics are first introduced onto the market, there is a mad rush by consumers to purchase them. If you wait, you could see their prices drop sharply, though. This opens up your budget to buy more things.

Making items from stained glass can be a productive outlet for your creative abilities. The products you make such as window hangers, lamp shades, or larger pieces, could be sold to contribute to your own finances. Pieces could also be done by contract as you build customers.

Your automobile is on the list of the largest expenditures you will make during your lifetime. The best way to find a reasonable price for an automobile is by shopping at the dealers nearby. The Internet is a good resource for good deals on cars.

Movies are extremely expensive, whether you are going out to the theatres or purchasing on DVD. Two alternatives that you can try are movies at the library or through Netflix. These options will give you a wide assortment of the movies that you love at a much better price for your budget.

Sometimes your credit score may be penalized by shutting down all of your credit card accounts at once. You can continue to pay on all of your accounts, but consider carrying only one or two cards in your purse or wallet at any time. You will be forced to carefully choose your credit purchases and avoid temptation.

If you are trying to repair your credit score, you have to be patient. Changes to your score will not happen the day after you pay off your credit card bill. It can take up to ten years before old debt is off of your credit history. Continue to pay your bills on time, and you will get there, though.

Find a free checking account. There are some accounts that will charge you a fee to hold your money there, and you want to stay far away from those. Why spend money when you don’t have to? Having a checking account with fees can end up costing you hundreds of dollars every year.

Look for a free checking account, as there is no need to waste money unnecessarily. Get something that has no minimum balance requirement, no transaction fees and no monthly fees. The majority of banks still offer free, no interest checking accounts. Others have checking accounts that can be free if you sign up for direct deposit.

Grocery shop once a week. Most people want to keep expenses low and go to the store a few times a week to get the essentials. Over time though, costs add up, not to mention the gas mileage. Make a shopping list, stick to it, and only spend money for food once a week. You’ll save.


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Use the round up method in your checkbook to record all transactions made by checks and debit cards and build an instant savings and safety net into the account. If the check written at the gas station was for $41.03, round up to $42.00. If the cash withdrawal from the ATM was for $50.00, round up to $51.00. Even the smallest amounts add up to big money over the course of a year and always ensure there is money in your account.

Sit down and actually put your expenses into categories. Have fixed monthly payments like house payments car insurance in one section, and expenses that change like electricity in the other category. You will find it easier to stay within your budget limits. If you know how much is needed, you can find yourself reaching your goals.

In order to save a lot of money, try to make more meals at home and avoid eating out. Eating out at restaurants on a regular basis can really cost you a lot of money in the long run. Purchasing food and making it at home is usually a much cheaper option.

Hopefully, you have learned a few ways that you can take better care of your personal finances and how to budget better. If you know the right way to take care of your money, you will be very thankful later on in life, when you can retire and still have money in the bank.

Invaluable Blog Post – How To Be A Great Leader Under Any Circumstances

Unfortunately not everyone has what it takes to be an effective leader of people, but that is only because they haven’t been educated on the correct way to lead. To help get you started your journey down the path to effective leadership, the article below has many great tips. Continue on and learn those valuable leadership lessons.

In order to be a great leader, you must be honest. Your people will follow you as the leader. Always lead them into the right direction. When you remain honest, people will notice and appreciate you. You should work on being honest with those you work with since it will encourage them to do the same.

Good leaders know how to nurture growth in other people. Take the time to support other people. You can do this by learning their strengths, work styles, and passions. Try encouraging them to seek new possibilities and challenges. Remember that every person has the ability to expand the potential of the company.

Always handle emerging issues with transparency. Business problems were normally hidden in the past, but good leaders now do the opposite. Why the change? Communication is essential in today’s environment. The truth will come out either way. Controlling the information yourself is much better than scrambling in response. This is the path of true leadership.

You need to find the innate qualities in yourself that can help you become a good leader. Although you may not naturally tend toward a leadership role, there is some aspect of your personality that you can develop which will help you to take charge. With time, experience and practice, you can hone your skills and develop your leadership abilities.

Sincerity plays a major part in leadership. The people that you are leading may come to you with problems. These problems should be listened to and addressed. It may be easy to brush off a problem when it’s not the most important matter. Your team will feel better about you being the leader if you can sincerely listen to and solve their problems.

Make sure that you have goals set for your business as a whole. Everyone wants to work toward something, and leaders aim to encourage their employees to achieve them. Avoid establishing goals and ignoring them throughout the remainder of the year. Hold monthly goal meetings to discuss everyone’s progress.

Don’t counter your morals to compete. If you feel like something isn’t right, or that your competition is being underhanded, choose another path. There are other ways to do things, and you need to seek them out. Just figure out what you can do which is morally acceptable.


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Being in a leadership position means that you hold a position of responsibility. As such it is necessary that you take responsibility for your actions and decisions. You can’t expect your employees to take responsibility for their own work if they see you attempting to evade facing the consequences of your own behavior.

Have a vision. Planning for the future is important. Things might be great now, but will it still be a year from now? What about ten years from now? Try to keep abreast of any change that might be relevant to your business. Shape your plans and your vision accordingly.

You must lead by example in front of those you work with. Don’t hide behind your title. Be kind and you will get kindness in return. No one likes a hypocrite. Always be a person that can be respected.

You should never procrastinate if you want to be seen as a great leader. When people think of having a boss, they imagine someone that is in charge and knows how to get down to business. Putting off projects and not following through is not the best way to present yourself to people.

Reward great work. It may be tempting to be a slave to the bottom line, but you’d be amazed what a few rewards can do to help productivity. These rewards don’t have to be big. A bagel breakfast or gift certificates for a team work quite well. The gesture shows that you care, and good leaders really do.

Leaders who succeed always make time to really listen to what their employees have to say and will seek out feedback. Colleagues often have great ideas for process and product improvements. Don’t wait to ask for the employees you have to give you their opinions because you’re afraid of getting criticized. Acknowledging issues and trying to find solutions lets them feel like they are able to trust you.

While it’s natural to gravitate toward a single leadership style, there are some environments in which certain styles are less effective. For example, an authoritarian style is not likely to be welcomed in an organization or group based on a collaborative culture. For this reason, it is in your best interest as a leader to become flexible and comfortable with more than one style.

Fulfill your promises. When you are a leader, you need to do what you are supposed to do. If you can’t, you have to tell people why. You will never garner any respect from those around you if you constantly change plans without effectively communicating to them why you are doing so.

Create an atmosphere that people will enjoy working in. While you want to be stern and in charge, you also have to do everything you can to make sure your team is productive. If the environment is pleasant, people will be more likely to love the place where they work.

When coordinating the efforts of more than one group, it’s easy to get caught up in the us-versus-them mentality. Unfortunately, this way of thinking breeds unhealthy competition, resentment, and conflict. Focus instead on identifying a single goal or purpose that is shared by all parties. Emphasize the shared benefits of meeting these goals to improve motivation all around.

Don’t be afraid to fail. If you have never failed in your life, you are not trying hard enough! One of the best ways to learn is through your failures. It is through trying new things that you gain valuable experience, even if the venture never reaches fruition. You will be able to improve on your ideas and be more effective in the future.

As a follow up to reading this article, you need to be sure that you’re practicing everything you’ve learned. It takes some heavy duty practice becoming an effective leader because there is so much to do. It can be an exciting time, and you will see the results start to unfold.

Affiliate Marketing Tips That Are Proven To Work!

The world of affiliate marketing is very vast and exciting. There are so many ways that one can enter and use their knowledge of this field to help promote their own business. It depends completely on the individual. That said, no matter what your marketing skills are, here are some tips to help you.

When it comes to affiliate marketing, you need to know your audience. You need to understand your reader’s needs and what they may be looking for when they come to the site. Make sure that the ads you post are things that your audience would be interested in, or they will not click on them.

Many people spend hours on the internet. They usually come across many advertisements per day, and will pay attention to the ones that are relevant to their lives. Putting an advertisement for your company on the internet is a sure way to make sure that hundreds of people will see it each and every day.

Don’t expect immediate results. While some products will immediately start bringing in sales, others take time. Your return readers will help to build your sales gradually and this in turn, brings you the money from the company you work for. This isn’t an instant turn around, but patience will help it pay off in the end.

Set up an Affiliate marketing system so that you can have affiliates promoting your articles for you. This is good for everyone because it helps promote your product or service and it helps the affiliates earn money. By delegating the job of spreading your articles, you widen your circle of readers and followers.

Use a plugin to help you rotate the advertisements on your site. Eliminate the ads that are not making any money to free up some space for new ads that may work better. Track this internally through your account on the affiliate marketing site that you are working through.

Be cautious of “Internet Mall” websites. These are not always run by the most ethical individuals, and having your banner posted with them can actually damage your reputation. If you feel you must choose to use one, make sure you do plenty of research beforehand, on the mall and the owner.

Check the company’s affiliate program to make sure they use tracking cookies. You want to make sure that if a customer visits their website the first time through you but doesn’t make a purchase until later, you receive credit for the purchase they make. You want to make sure you get all the credit you are entitled to receive.

Affiliate marketing programs are not designed for quick riches, but they do offer an opportunity for some passive income over time. The key is to be patient and keep in mind that the revenue stream will build up as time passes, just not all at once. Also, some programs can offer lifetime payouts, so that is another reason to keep your patience in check.

In conclusion, you learned not only some basics about affiliate marketing but also some specific ways, in which your can apply it to your own business. As long as you are committed and have a goal to work toward, the tips in this article should help you find success.