Home » Archives for Susan

Author: Susan

How to Make the Home-court Advantage Work for Your Business

Did you know that, on average, a professional sports team wins around ¾ of their home games?

Ask any sports team if the home-court advantage is real and they will happily confirm it for you, as well as tell you that same advantage can be put to work for your business.

Face the Denver Nuggets on the road, for instance, and they are nothing special. Face off against them at their Mile High stadium and suddenly they’ve got a 5280-foot home-court advantage that you have to overcome.

If a team like the Nuggets can face down the best in the NBA, just on the back of their home-court advantage, there is no reason your business can’t do the same thing.

The evidence for the home-court advantage isn’t just anecdotal either, there is some real science behind it. A recent survey by the prestigious School of Management at Yale University surveyed over thirteen thousand recently incepted businesses and found that business people that started their businesses in areas where they have extensive connections made greater earnings and had a reduced failure rate compared to those who started their business in previously unknown locations.”

On average, the study found that a business operated by someone located in the same area for five years made almost $6,400 more in yearly revenues and was 6% less likely to fold.

In this article, we’ll be looking at how you use your local home-court advantage to help you business flourish. Read more

Top Tips on How to Save Money this Christmas

It’s beginning to look a lot like Christmas, isn’t it? Everywhere you go there are sparkling trees in the window starting to emerge, festive jingles are playing, and it’s damn near impossible to switch on the TV without yet ANOTHER heart-warming Christmas advert coming on without warning – and it’s only mid-November. The fact is; the festive season is wonderful. It’s the perfect chance to reconnect with people, spend time with loved ones and to eat to our hearts’ content – the problem is, however, that isn’t the whole of it. Christmas time is renowned for its mounting pressure on society, both emotionally and financially. There is so much pressure to have the perfect Christmas, that many of us end up overspending, and ultimately ending up stressed about money. If you’re feeling a little perplexed about splashing the cash this year, then here are some top tips that could help you to save money this Christmas. Read more

Getting Out of Debt After Overspending at Christmas – How is it Possible?

‘Tis the season to be…in debt? Fa-la-la-la-la-la… Doesn’t quite have the same ring to it as jolly, right?

Unfortunately, however, this is the harsh reality for so many families all over the world when the festive season comes to an abrupt end. January comes around straight after the new years’ eve celebrations, and with it the harsh awakening of bills coming through the door. We’re currently in mid-November, which we’re right at the beginning of the building excitement that comes with the beginning of the festive season in a few short weeks’ time. Whether you’ve already done your Christmas shopping, or are yet to begin and are concerned about how you’ll actually afford it, there are ways of getting out of debt after you’ve overspent at Christmas, and here’s how. Read more

Prepare in Advance: 3 Frugal Tips for Welcoming the Holidays

It’s definitely time to start getting excited about the holidays, but of course, for all of the great things to look forward to in the coming weeks like spending time with friends and family, indulging in the best holiday food and drink, and decking the halls, there comes the less fun matter of how much it can all end up costing. Whether you have decided to try to spend less on the holidays this year or are feeling like you just can’t afford to go all out on seasonal luxuries this time, there are definitely ways that you can keep down the cost of having a fun and memorable Christmas – especially if you plan in advance! Read more

How Can You Cut the Costs of Life Insurance?

Life insurance is pretty much a must-have policy for anyone nowadays, and most people who can afford it have more than just one policy. However, the promise of future protection for your family does come at a cost, quite literally! In case you have recently discovered that the premium you are currently paying for your policy/policies is just too much to bear, rest assured that you are not the only one to make the mistake and more often than not, there are ways to get out of it. Read more

4 Inexpensive Ways To Improve Your Indoor Air Quality

When most people hear the term “air pollution”, they think of industrial emissions, big cities, smog, and car exhaust. Typically the air we breathe inside our homes doesn’t come to mind, but it should. According to the EPA, the air we breathe indoors is often up to five times as polluted as outside, and Americans, on average, can spend up to 90 percent of their time indoors. But, don’t fret. There are many simple and inexpensive ways you can improve your indoor air quality, starting now. Read more

How to Save Money By Paying Attention to Student Debt

If you’re planning to go to college, student debt might be one of your most pressing concerns. It’s not always avoidable — after all, college is a requirement for many professions, and many low-income people attend college to try and raise themselves out of their socioeconomic status.

College can be a great way to find better job prospects, which means it can be a good return on investment. But if you’re looking to save money through college, it’s important to extend that savings to your student debt. When you’re choosing the college or degree you strive toward, use this state-by-state analysis of student debt for a better understanding of your financial state in college. Read more

Get Organized, Then Get Out of Debt for Good

The only thing more challenging than getting rid of debt is trying to do so without a plan. Paying down your debts depends on knowing how much you owe, to whom, and what your options are for doing so. So, let’s turn that cluttered desktop full of receipts, bills, and credit card statements into a system you can actually use to get out of debt.


Here are four tips for getting your personal finances organized, so you can get out of debt for good.

  Read more