What to Do If You're Drowning in Debt

When your finances seem to be headed down a wrong path and your debt is getting out of control, be wise and take stock of the direction you are going in. There are steps you can take to prevent you from getting into further debt, and to help you eliminate some of what you are currently dealing with. Use these tips to help you begin moving in the right direction financially.

Put Your Credit Card in a Drawer at Home

If you have a difficult time saying no to purchases, take your credit card out of your wallet and put it into a safe place at home. Make a decision that you will leave it there and will only take it out when absolutely necessary. This alone will help force you to be more cautious in your spending.

Cancel Any Retail Credit Cards

Retails credit cards typically have high interest rates. It is also difficult to keep from spending when you feel like you have several options as to where the money will come from. Get rid of these cards and keep only one main credit card, which is hopefully the one you have taken from your wallet and placed in a safe place at home.

Pay Back Your Debt as Quickly as Possible

If you have a balance on any credit card, be sure to pay at least the minimum monthly amount each month. Do your best to pay back your debt, and as quickly as you can manage. By paying off your debt, you will eliminate some of the interest that continues to build as time passes.

Consider a Second Job

If you can work even an extra day per week, it can help you pay back your debt sooner. At the very least, it may give you that extra wiggle room so that you do not get yourself further into debt. It will take up some of your free time, but will be worth the sacrifice in the long run.

Creatively Find as Many Ways to Save as Possible

Look for every way possible to save money. Whether that is by clipping coupons or shopping only during sales, make it work. Find other ways to save in other areas, such as your electricity bill. Be vigilant about turning lights off when you leave the room, and about unplugging appliances that are not in use, since they continue to drain energy when plugged in.

Take a bagged lunch to work instead of buying fast food. Make a coffee at home before you leave for work instead of stopping at the drive-thru on the way there. Stop spending on unnecessary purchases in order to save on items you don’t really need anyhow.

Learning to be frugal takes a little bit of preparation, but gets easier as time goes on. It might seem like a chore at first, but the benefits are numerous. You will become a more creative person and save your hard-earned money. What better benefits could there possibly be than that?

Written by Yola Bastos Co-Founder of Women Flix and Founder of Beautifly Digital https://msha.ke/yolabastos/  

Women Flix Limited, is a company limited by guarantee, was incorporated in England and Wales (company no. 13047578 ).

What Abundance Means To You

What does abundance really means to you? 

You hear this word a lot but have you ever really thought about what ‘true’ abundance and wealth really is? And most importantly how you may experience more from it in life? 

Do you believe that abundance and wealth is possible for the different aspect of your life?

The answers to these questions will be revealed by simply identifying and observing what is currently going on with the different facets of your own life – financially, physically, emotionally, and spiritually.

What Is It

Although lots of people claim of having an exceptionally good life, this determination is often made from the traditionally taught and established perceptions and beliefs taught to you and are held by you, based on limited understanding about what ‘Good Life’ really means and about the limitless resources that are available for anyone who are willing to thrive deeply enough in order to discover the real meaning of it.

In reality, the achievement of abundance and real wealth is infinite in nature but is equally available for anyone willing to identify and enhance their skills and ability to start choosing whatever it is that they prefer to experience. And yes, you are not an exception.

As you will discover you source, whatever you perceive it to be, it consists of limitless supply for whatever you prefer to experience in life provided that you choose to believe and conceive that you can and it will. Sadly, lots of people make choices unconsciously; they never understand why they’re unable to have that abundance, harmony, and fulfillment in life.

Why not ask yourself with these questions?

• Are you having true happiness and abundance in life?


• Do you love your work and find it financially rewarding and fulfilling?


• Are you having enough time for you to do the things you love the most?


• Do you really have sufficient money for you to do all the things you want?


• Are you enjoying wholesome, deeply satisfying, and fulfilling relationships?


• Are you having a vigorous and vivacious physical health?


• Are your heartfelt dreams as well as you wants fulfilled in the different aspect of life?

If your answer to these questions is NO, then you’re not enjoying and experiencing a quality of life that everyone is capable of having. Abundance and wealth means different things from different people. For some, abundance may be identified as having lots of money. And based on others’ perspective and beliefs, it may actually mean something absolutely different.

Although enough financial resources means a lot to people since it is a very essential facet of abundance and wealth in today’s generation, but money only makes up a tiny portion from the entire equation when it comes to ‘Real Abundance’.

Unless all the other essential aspects of your life are aligned harmoniously, the experience of real abundance and the fulfillment that is available will elude you continually and it will appear to be impossible and unattainable. Lasting and true abundance and wealth will result from a perfect balance in the fundamental areas of your life.

Written by Yola Bastos Co-Founder of Women Flix and Founder of Beautifly Digital https://msha.ke/yolabastos/ 

Women Flix Limited, is a company limited by guarantee, was incorporated in England and Wales (company no. 13047578 ).

Give Your Audience What They Want

Give Your Audience What They Want

It is important that you post the right type of content on Facebook. You need to bear in mind that you are competing with a lot of other content in the news feeds of your audience. When you give your audience what they want then you will get a lot more views and increase your engagement levels through commenting, liking and sharing.

• Identify your Target Audience

The more that you know about your audience on Facebook the better results you can achieve. Start by creating a persona that describes your ideal audience member. You can create a good persona by asking the following questions:

• What is their gender? 
• What is their age range? 
• Where are they located?
• What are their interests?
• What income levels do they have?

There are a lot more questions that you can come up with here. Look online for some good resources on creating the ideal customer persona. Take your time to make this as accurate as possible. It is really important.

• What Problems does your Audience have?

When you know what problems your audience has you can plan your Facebook content so that you address these questions. By doing this they will perceive you as an expert in your niche and will be more likely to check you out further by visiting your website.

Do your homework here. If you are in the make money online niche then think about the problems that people want to solve:

• How can they make more commissions?
• How can they get more traffic to their offers?
• How can they rank their website on Google?
• How can they achieve more conversions?
• What online business model should they use?
• Which web hosting is the best?
• How can they build a high converting sales funnel?

There are always problems in all niches. You can join related Facebook Groups and find out what questions members ask the most. When you can solve the problems of your audience they will love you forever!

• What kind of Content does your Audience like the most?

If you have been using Facebook for a while you can go into Facebook Insights and see which of your posts were the most popular. Examine these posts carefully to determine what made them a hit with your audience.

You can then use this information to shape your future Facebook posts. It is not a good idea to post about the same subjects all of the time as your audience could quickly lose interest. Just figure out the format and other details of winning posts and use this same formula again.

If you don’t have a history of posts then again you can turn to Facebook Groups to find out which posts are popular with your audience. This is easy to see from the number of comments, likes and shares that a post has. 

• Plan your Content

Once your audience starts to consume your content they will want more and more of it so you need to post on a regular basis so that you don’t disappoint them. Stick to a posting schedule so your audience knows when to expect your next post.

Written by Yola Bastos

Co-Founder

Women Flix

yolabastos@womenflix.org

https://linktr.ee/LifeCoachWomenFlix  

Women Flix, Supporting Women all the way to Success!  

Women Flix Limited, a company limited by guarantee, incorporated in England and Wales (company no. 13047578 ).