Money May Not Buy Happiness, But Financial Stability Certainly Helps

financial stability

Your parents likely told you once or twice when you were young that money doesn’t buy happiness. Not to say they were wrong, but as we age we begin to understand the importance of peace of mind and that being caught between a rock and a hard place is a lot easier to squeeze out of if you’ve got the right funds stored away.

While money may not buy happiness, there is something to be said about the positive effects budgeting your income (and debts) affords you. Creating stability within your finances can reduce stress and create more opportunities for the funnier things in life. As adults, this financial stability can come in many forms. In particular, saving up for your first home and refinancing your student loans are pretty common, important milestones. Keeping a positive mindset and utilizing habits for success will be essential when working through these challenges.

Adjustment Is Sometimes Necessary

Considering how many graduating adults finish school with debt, refinancing your student loans is a great option that can help provide more financial stability and create more flexibility within your monthly budget. Refinancing can seem like a hassle, but the process is fairly simple and oftentimes easier than you think.

Refinancing can also provide a much-needed mental break considering the negative, stressful feelings that arise when you watch your saving get drained by those huge monthly payments. It’s also important to keep in mind that refinancing doesn’t necessarily mean you’re incapable of paying back your loans. Rather, it’s like tailoring your payments to better fit your current place in life.

Financial stability

There are a few things to consider before refinancing. As the experts at LendKey explain, “When making any financial decision, timing is everything, and refinancing student loans is no different. There are several factors to this – some a student can control and others they cannot – that affect when they should refinance student loans. This includes the timing of graduation, interest rates, employment, and credit score."

Refinancing also depends on which lender your loans are through as the requirements vary company to company. Either way, it’s definitely worth investigating to see if you qualify. Adjusting your payments to better suit your income makes it easier for you to pay in full and on time each month, which is good news for your credit score and stress levels.

Confidence Is Key

Another significant milestone, buying your first home, is a financial goal that many adults are currently working towards. The process of becoming a homeowner can often seem intimidating, especially if you’re unsure if you’re actually ready for that kind of commitment. It can be fairly easy to focus on the negative feelings that arise when approached with a significant milestone such as this. However, you’re likely not giving yourself enough credit, and although the process can be tricky to navigate at times, it’s important to not deflate your own dreams of owning a home one day.

Of course, there is definitely a lot to consider when it comes to buying your first home: mortgage rates, down payments, property taxes, etc. You also need to ask yourself if you are in a position to stay in your home for an extended period of time. As Quicken Loan suggests: “Generally, we recommend you only consider buying a house if you plan to live there for at least five years, but this depends on a lot of factors, like the housing market, rental prices and how much equity you have in the house."

Create a goal for yourself

While you may not be able to afford or find your dream home right now, it’s still worth creating a goal for yourself and begin working towards it. With that in mind, shopping for a new home can certainly drain you mentally and physically, which means it can be tempting to give up. Nevertheless, with the right budgeting, discipline, and determination, buying your first home doesn’t have to be so scary.

As we mature, financial stability becomes more and more important. Finishing school, owning a home, and finding the right career are all valuable goals the majority of us all hope to achieve one day. While money may not buy happiness, when we are able to better manage our time and money, we can worry less and enjoy our spectacular life even more.

Author’s Bio

Avery T. Phillips is a freelance human being with too much to say. She loves nature and examining human interactions with the world. Comment or tweet her @a_taylorian with any questions or suggestions.

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.

 

10 Business Ideas You Can Start Undergraduate

business ideas

There are lots of undergraduate students facing problems regarding joblessness. Also, the college’s fees become so high that is unaffordable for students who belong to the average family.

To help these students, we have introduced various businesses that undergraduate students can easily execute. These businesses help a lot of students from an income point of view as well as they get the experience in different fields which they adopt as a career in the future.

So below there are ten super doper business ideas that are really helpful for college students.

  1. Tutoring

One of the most common adaptation as well as demanding business that undergraduate student do is tutoring. They feel very happy to convert their knowledge to other students and on the other hand, they get money for that. Which they required fulfilling their daily needs. They give tuition in the areas which they have more command.

You can start your own tuition services, which you can easily run at evening and night.

After sometime when your business succeeds you can spread your business. Add fliers near to your home, different shops, and library, so that parents can reach to you. You can also provide tuition service through online by posting on social media platforms.

  1. House and Apartment Cleaning

Mostly college students do not adopt this business in large number, but if you have the capability then you can get revenue by cleaning apartment and house near to your campus.

Take a small start and explain your services to your friends, family and even to your university faculty, when they are satisfied with your work and you gain experience in that area then spread this business. Cleaning companies charge very high rates for services, so college students have a chance to start with low rate while expanding their business.

Another advantage of this business is that you do not need to spend a large amount of money. When your business expands you can even add your other college friend in this business.

  1. Transportation and Delivery

If Uber driver can earn a nice amount of money by offering a traveling service then why college students do not do that? If you have a car or you were living in an area where transportation services are badly needed then start this business.

You can provide services to the people from home to shopping center or restaurant. You can also pick and drop students from their home to the campus.

What you need for that business is a driving license and insurance of your transport.

  1. Web Design and Development

This business is seriously more worthy and fruitful for all students. This is also a very popular business. Start with just simply designing a logo and then move toward designing a website template and application development. And to start that business you need nothing. As a college student you already have a computer or laptop, so install a software and design your client application.

You can also design application for final year students and get the required amount of your service. After the experience, you can design your own website and advertise your skills and business to other people. For all of that, you need to give dedicated time, cost and efforts.

  1. Event planning

The most joyful business for the youngster is to start an event planning business. Students are very well aware of various events due to universities events like convocation, welcome party, award night. They have a passion to do something creative in a different time, so this business is best for them. Provide your services and help in planning the event and get the required amount of it.

In the start maybe you require more efforts and convince people that their event made the good memories when you are planning. You can demonstrate some task in the meeting or your previous event pictures for the clear understanding.

  1. Freelance Writing Services

If you are good at writing, then it is suggested to start a freelance writing service. The complete different writing assignment for the various client or for students are interesting and creative.

You can contact the client through internet by making an account on freelance site. Now start earning money as a writer or consider that job as a part-time. It’s a business for the students when they are in their final years of graduation where they need to write dissertation and thesis.

photography

  1. Photography and Videography

Most of the students are a natural excellent photographer and they do not take importance that their skills act as a source of income for them. You just need little concentration and some basic knowledge of it. It is estimated that man, woman or youngster can easily earn $300 weekly.

When you adopt this as a profession then you have more opportunities for shooting contracts and different events photography.

  1. Personal/Fitness Training

If you are passionate about your own health you know what foods give you what type of vitamins, minerals, fat, and calories. There is a chance that you are suitable as a fitness trainer. Initially, start with your college friends and when they feel relax, and happy they definitely suggest other people as well.

Start yoga classes in the morning, help people to make a healthy chart for their meal. You can do this in your home, through internet or phone calls and social media platform. This will reduce your office expense also.

  1. Hair Styling Service

Everyone wants to look beautiful and if you have a nice hairstyle it compliments your overall personality. Do not hesitate, the hair salon is another area of the fashion industry. Trends in clothes and hair styling are always at its peak. This business will surely give lots of advantages.

  1. Career Counselling

If you have good skills to solve the problems of people by counseling them then adopt a career in counseling business. You can run this even in your own college or university. When you get experience then expand your business.

 

Author’s Bio

Kristina Gordon is a content research writer and marketer currently working USA firm. She has many writing blogs about positivewordsresearch.com and promotes. She also writes content Top Assignment Service . She managed whole content writing team successfully. She loves traveling and spending time on social media.

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.

 

How To Make Money Selling Mobile Apps To Local Businesses

One challenge that every app developer often has is selling their mobile apps to local businesses. Be it a company dealing in software development or an individual developer, both have to go through a phase when they have to convince local businesses to buy their apps.

Though it can be a hard process, there are some strategies that can be implemented for growing your sales with a properly laid out marketing plan.

How to Make Money Selling Mobile Apps to Local Business

Nowadays, every new business is looking to get their apps developed for iPhones to give their customers or employees an easy way to coordinate with them.

Some may look for off-the-shelf best iPhone apps solutions, while others want to have more customized solutions to meet their specific requirement. No matter what your prospective customers need, here are some steps you need to take:

Decide On What Sets You Apart

Competition is always inevitable. Even if you’re a startup with a completely unique offering, you’ll soon find yourself surrounded by competitors. And, when you’re in the business of selling apps, you already have stiff competition to deal with.

However, you can use this as an opportunity for setting yourself apart by identifying exactly how you and your offerings are different from the rest in the market. This uniqueness will become your strength in beat the competition and convince your prospects to choose you ahead of them.

It can be the stepping stone in convince prospects to choose your app and you can base your entire strategy on your uniqueness.

Research The Prospects

Research The Prospects

It’s critical! When you first contact a prospect, it always pays you to quickly look at their business websites to grab as much information about them as possible.

This can even help you with find out specific points where your mobile app can help the prospect in driving growth to their business. As a result, you’ll be well-equipped with all the information you need. Will also be prepared for discussing how your mobile app fits in to help them achieve their goals.

Set Up A Marketing Campaign

Marketing Campaign

After researching the prospects, you should set up your full-fledge marketing campaign. In fact, it’s not just about going out there, finding out your prospects and pitching your idea to them. There may be lots of prospects who you may not even be able to find out. So, it is important that you market your offerings on every front so that people come looking for you.

Decide on the channels you want to use for marketing your products and make sure that you use positive words in your marketing message. Portray how your offering can be beneficial to the prospects and how exactly it can help them step forward towards better business process and growth.

Besides, take care of the SEO aspect of your marketing campaign as well. Get business listed in “Google My Business" and try to give as many details as you can.

Besides, get yourself listed in relevant online directories, contact the influencers in the industry and get them to somehow bring business to you. Promote your offering on social media and ask your current clients to feature your website link at their business website.

This particular approach will give a huge boost to your marketing campaign.

Never Drive Conversations While Meeting The Prospects

Meeting The Prospects

When meeting the prospects, one of most important things that you have to do is to listen to them. That will allow you to find out exactly how your mobile app can be helpful in accomplishing something that’s really important for them.

If all you do is to try and sell your thing and drive the entire conversation towards closing then you may not be able to achieve anything at all. And again, do some positive words research to make sure of how you can tackle the changing situations during conversation.

Take A Proactive Approach

Everyone of us knows that sales do not happen automatically. After pitching your idea, you really need a strong follow up and clear the prospects doubts so that you can be able to cut the deal.

Always stay motivated as it will allow you to keep pedaling regardless of what each new day brings.

Make The Transition Easy

Once you have captured attention of a prospect and they’re ready to buy your app, you really have to ensure that you make transition as seamless as possible.

If too many problems come along the way, that little amount of trust and patience that you had acquired with the pitch will be quickly destroyed. This may lead to ending the deal as prospects can quickly change their mind seeing the hindrances coming in the process.

Keeping transition unnoticeable proves to be the key as it will give local businesses a message that they’re going to make things easier for themselves in the bid to achieve desired results and see growth.

Making money selling mobile apps to local businesses may not be too easy unless you take a systematic approach to the process. Taking the most appropriate route will ensure that you’re able to achieve your own business goals seamlessly as well.

Author Bio:

James Barret is an accredited tech writer with a focus on latest in technology. He usually concentrates his efforts on product descriptions, reviews, and news from major tech brands. James is currently a contributed author at many renowned tech blogs and websites and enjoys everything he writes for them.

 

Here at Positive Words Research, we are looking to share with our readers original content that hasn’t been published on other sites so if you are comfortable with Positive Words Research being your sole publisher, we are more than happy to share with our readers your inspiring and empowering story.

 

5 Things You Can do in Your Twenties to Retire in Your Thirties

5 Things You Can do in Your Twenties to Retire in Your Thirties

5 Things You Can do in Your Twenties to Retire in Your Thirties

Is it really possible to do things in your twenties to set yourself up for retirement in your thirties? Yes! It is possible. Is it guaranteed? Of course not. There will always be factors outside of your control, but that doesn’t mean you shouldn’t go for it. Retirement in your thirties might be a lofty goal, but it is not impossible. So, why not work towards that goal? What is the worst thing that can happen? Good choices in your twenties might put you on the path to retirement. At worst, they will put you on the path to prosperity. Either way, here are 5 things that you can do to retire in your thirties.

1. Learn the Difference between Good and Bad Debt

Creating wealth often requires that you go into debt temporarily in order to make a profit later. This means that you need to have an excellent credit rating. Many people make the mistake of believing that the best approach to early retirement is to never go into debt. This is a big mistake. Having no debt means that you have no credit. This means that when you do need to go into debt, to invest in real estate, for example, creditors have no way of knowing if you are worth the risk. This is why incurring some good debt is necessary.

Good debt is a reasonable amount of debt that you carry, based upon your income that you pay on in a timely manner. One example of good debt would be a credit card that you obtain through your local bank that you carry a small balance on. As long as you make payments on time, and you carry over a small balance each month, you will be creditworthy when you need to borrow money. Just keep your debt to a minimum.

On the other hand, bad debt can be high-interest credit cards where you make only minimum payments and are frequently late, buy here pay here car purchases, and many types of in-store credit. Avoid this type of debt like the plague.

2. Start Saving Immediately and Make Sacrifices to do So

If you want to retire in your thirties, you will need to build a healthy, liquid savings account now. This will be your source of emergency funds. In addition to this, once you build up enough savings, you can begin to move some of this cash into a retirement fund or into other investments.

Your next question is probably how much should you have available in savings? That depends on your lifestyle and income. However, may experts say that you should save 1 to 2 years worth of income in case of an emergency? Just remember that your goals are different than your peers. They may be fine simply putting away 10 percent of each paycheck. If you aren’t making enough to save adequately this could be one of many signs that it is time to change careers. You, on the other hand, will need to put away much more. In fact, you will have to make important personal choices and sacrifice some wants to make early retirement happen.

3. Live as Simply as Possible

Consumerism is one of the biggest barriers to financial success. Every day, you are targeted with advertisements that are designed to do nothing more than thinking that you need to purchase products or services that you don’t really need. Take a look at your life as it is right now. What can you simplify, what can you give up, where can you cut back? For example, do you really need to own a car and a home? Are the maintenance and payments on both worth it? Maybe you could cut some complication out of your life and save money if you purchased a small condo that was close to work and rode the bus. Do you really need that full cable package with all of the sports and movie channels? Could you live with Netflix and just pay for wi-fi instead? What about using your smartphone as an internet hotspot instead of enriching some major cable conglomerate?

4. Don’t Purchase: Invest!

Speaking of overconsumption, remember that every dollar that you spend on a good or service is a dollar that you are not using to invest in your future. If you prioritize putting money into retirement savings or towards other investments, you can earn money on your money. This will go much further than money spent on some item that is going to depreciate over time. Whether you have a 401k or some other retirement plan, be sure that you are contributing the maximum amount that you can. Remember, if your employer has a matching program, you are throwing away money if you don’t invest at least that amount from your own paycheck.

When you get raises, tax refunds, or other windfalls of cash, don’t fall into the temptation to make some big-ticket purchase or take a vacation. Instead, put that money towards your investments. If making a purchase is necessary, focus on getting the most value for the smallest amount of money.

5. Make Your Free Time Productive Time

There is absolutely nothing wrong with enjoying life, doing things that make you happy in your down time, and even procrastinating from time to time. However, if you are like many people, you waste several hours each week simply being unproductive. This is time spent surfing the internet, watching television, and otherwise doing nothing that is constructive. Consider taking some of that spare time to pick up an extra job or starting a side business, to learn a new skill that you can monetize down the road, or to learn more about investing.

Conclusion

Wouldn’t it be great to get out of the rat race instead of working for the next forty years? If you make some sacrifices and smart choices now, this could be a very real opportunity for you.

 

Rick Riddle

About the author:

Rick Riddle is a marketing consultant and an up-and-coming blogger whose articles aim to help people with e-learning, career, entrepreneurship, self-development and digital marketing. Feel free to follow Rick on twitter and LinkedIn.

 

94 Affirmations for Financial Prosperity

Beyonce Money There are 94 affirmations for financial prosperity.

These money affirmations will change what your brain thinks about financial abundance. The prosperity affirmations will change your thoughts from thinking scarcity to thinking abundance and you will attract very fast financial prosperity.

Repeat and reflect constantly on the below affirmations for financial prosperity and you will for sure increase your energy for attracting money.

  1. I love financial abundance.
  2. I love financial abundance and financial abundance loves me.
  3. I am grateful for financial abundance.
  4. I am grateful for financial abundance and financial abundance is grateful for me.
  5. I am financial abundance.
  6. I am blessed with financial abundance.
  7. I am a magnet for financial abundance.
  8. I choose financial abundance.
  9. I have financial abundance.
  10. I affirm financial abundance.
  11. I appreciate financial abundance.
  12. I attract financial abundance.
  13. I have financial abundance in every detail of my life.
  14. Financial prosperity is blessing me.
  15. The energy of financial abundance is blessing me.
  16. God is blessing me with financial abundance.Kim Kardashian Money
  17. God has blessed me with financial abundance.
  18. I have enough financial abundance.
  19. I have more than enough financial abundance.
  20. There is an abundance of financial prosperity and it’s on its way to me.
  21. I am a financial prosperity magnet.
  22. I am receiving financial abundance every day.
  23. Thank you. Thank you. Thank you for financial abundance.
  24. I have plenty of financial abundances.
  25. I can afford financial abundance.
  26. Financial prosperity comes easily and frequently.
  27. I am good at financial abundance.
  28. I have always been able to be financially abundant.
  29. I have always been able to have financial abundance.
  30. I am a very good at receiving financial abundance.Beyonce Money
  31. I am very good at welcoming financial prosperity.
  32. I am very good at attracting financial abundance.
  33. I love my financial abundance.
  34. My financial abundance is good.
  35. I am always financially abundant.
  36. I am a very good financial abundance maker.
  37. I can see easily, clearly and effortlessly my financial abundance.
  38. It is easy for me to make financial abundance.
  39. Financial abundance seems to stay in my hands.
  40. Life is full of financial abundance.
  41. I embody financial abundance.
  42. Money flows effortlessly into my life.
  43. I am open and willing to allow financial abundance to come to me.Money abundance
  44. Financial abundance flows to me from multiple sources.
  45. May I be blessed with financial abundance.
  46. Financial abundance is there and I tune myself to it.
  47. Financial abundance is my birthright.
  48. I love money.
  49. I love money and money love me.
  50. I am grateful for the money.
  51. I am grateful for money and money is grateful for me.
  52. I am money.
  53. I am blessed with money.
  54. I am a magnet for money.
  55. I choose money.
  56. I have money.
  57. I affirm money.
  58. I appreciate money.
  59. I attract money.
  60. I receive money with every detail of my life.
  61. Money is blessing me.
  62. The energy of money is blessing me.
  63. God is blessing me with money.
  64. God has blessed me with money.
  65. I have enough money.
  66. I have more than enough money.
  67. There is an abundance of money and it’s on its way to me.
  68. I am a money magnet.
  69. I am receiving money every day.
  70. Thank you. Thank you. Thank you for money.
  71. I have plenty of money.
  72. I can afford the money.
  73. Money comes easily and frequently.
  74. I am good at money.
  75. I have always been able to be good with money.
  76. I have always been able to have money.
  77. I am a very good money manager.
  78. I am very good at handling money.
  79. I am very wise with investing money.
  80. I love my money.
  81. My money is good.
  82. I am always receiving more opportunities to make money.
  83. I am a very good money maker.
  84. I can see clearly my money.
  85. It is easy for me to make money.
  86. Money seems to stay in my hands.
  87. Life is full of money.
  88. I embody money.
  89. Money flows effortlessly into my life.
  90. I am open and willing to allow money to come to me.
  91. Money flows to me from multiple sources.
  92. May I be blessed with money.
  93. Money is there and I tune myself to it.
  94. Money is my birthright.