Get Yourself Out Of Debt in 3 Easy Steps

Get Yourself Out Of Debt in 3 Easy Steps 1. Budget, Budget, Budget. Whether it is due to student loans, unforeseen expenses, or some frivolous spending in our youth, carrying debt is something the majority of us are familiar with. It is often unavoidable. According to Money-Zine, Americans carry $886 billion in credit card debt, which breaks down to over $5,700 per card holder. Perhaps even more sobering are the latest statistics from the Federal Reserve, which show consumers are increasing their debt- in July of 2014 the debt in the United States reached $3.2 trillion. Debt is stressful, can hold you back from accomplishing your financial goals, and maxing out your credit will cause your credit score to nosedive. Whats worse is that these reprocussions may haunt you for years if you dont address them. The good news is that with a few easy steps and some hard work, it is a very real possibility to say goodbye to debt forever. By implementing these 3 simple steps, I was able to pay off over $10,000 in under a year and a half, and I am fully confident that you can do the same! 1. Budget, Budget, Budget. The first step towards getting your debt paid off is to diligently track your money. There are many useful tools which can help you outline your income versus your spending, and a huge resource of free budget templates can be found quickly and easily online. You can pick and modify any of them in order to cater to your lifestyle, and this will give you a realistic idea of how long it will take you to pay off what you owe. By closely tracking your spending, you can make conscious decisions that will allow you to align your income with your monetary goals. Take a close look at your expenses and trim any unnecessary ones. Eat out less or cancel that Netflix membership to quickly and efficiently cut expenditures. Also, any  excess cash you have should be thrown at your debt. The more money you put towards paying off your debt, the faster it will go away. 2. Hustle Hard work pays off, and putting in some extra hours can help you kiss that debt goodbye years  faster. You can take on a second job in order to offset your expenses and to meet your goals more quickly. I worked at a restaurant on the weekends to help me pay off a significant chunk of my debt, but there are lots of other possibilities. You could consider freelancing or nanny-ing as other options. While in the short term it may seem difficult, or almost impossible, the payoff is well worth it. A second job will allow you room to breathe, and will afford you more financial freedom than you would have with one sole source of income. 3. Dont Add to the Debt Decide to stop spending, and stick to it. Do not open new credit cards, and do not charge anything to your existing lines of credit. In order to get yourself out of debt, you must stop adding to it. In order to achieve a debt-free future, you must learn to stop living on borrowed funds. It is important to live within your means so that you wont find yourself owing again after youve worked so hard to get out of it. Keep in mind that high interest rates can add to your existing debt. Try to avoid them if opening a new credit card is absolutely necessary. You can also talk to your bank- some will lower the interest rate for qualified credit card holders. Many cards offer a 0% APR (Annual Percentage Rate) on balance transfers for 18 months, and this can be a good opportunity to escape a higher interest rate and to pay off your debt faster. Just be sure to get it all paid off before the higher rate kicks in at the end of the promotional period. The bottom line is this: be conservative in your spending and diligent about putting as much as possible towards paying off your debt. Before you know it, your debt will be gone. Have questions or input? We would love to hear it! Tweet to me  @MsCareerGirl  or  @sncueto!

Why Choose a Resume Writing Service?

Why Choose a Resume Writing Service?Web developer resume writing service is there to assist you in building a new career path or relocating to a different place of work. The right resume can set your career ahead of the others and also be a convincing tool for getting a position.You must put in consideration of the technical information or educational qualification before hand writing the resume. It is important to be able to tailor-fit the requirements of the company with the availability of information related to qualifications. A web developer resume writing service has extensive knowledge of various educational courses and various types of skills that can be used to impress a potential employer.All the requirements should be covered with the technical knowledge, certification and relevant experience. The web developer resume writing service has a lot of experience in writing web resumes. In addition to this they also have the necessary software, samples and resources at their dis posal. This may be an added advantage to the job seeker.A resume writing service has various means by which the content can be customized in such a way that it can fit the requirements of the particular company. They are equipped with the latest tools and technologies that will enable them to prepare a resume in a jiffy.There are many career oriented and energetic and motivated job seekers who can find many benefits from a resume writing service. These services also offer custom-made resumes to their clients. You just need to contact the web developer resume writing service and you will be able to get your resume out.Depending on the industry and the requirement of the job, certain criteria may be required. Also, if the client requires specific options in terms of formatting and HTML coding; they are able to fulfill the requirement. Custom resume writing services give a professional edge to the job seeker and can also prove to be a time saving technique for him or her.In a nutshell, if you are having trouble selecting a potential employer, then opt for a resume writing service. This service is considered to be a game changer for the job seeker and can prove to be a great source of creating a new career.In short, if you are not satisfied with the information provided by your co-workers, the internet can prove to be a valuable resource to find a web developer resume writing service. All you need to do is log on to the net and search for the web developer resume writing service that meets your requirements. They can help you get your dream job and turn your ideas into reality.

Career Spotlight Event Planning - Sterling Career Concepts

Career Spotlight Event Planning Career Spotlight: Event Planning The folks over at EventBrite,  the largest self-service ticketing platform in the world that helps people find and plan events, recently shared a four-step career roadmap infographic on their blog about how to become an Event Planner. They shared details on the following four steps to success as an Event Planner:  (1) earn a bachelors degree, (2) get experience, (3) develop essential skills, and (4) earn certification. While ranked as one of the more stressful jobs, event planning can be very rewarding and fun. So if youre organized, good at time management, and an effective communicator, event planning might be a career field worth considering. Check out EventBrites blog post for details on median annual salary, the 10-year job outlook, and details on their four-step career roadmap.

YouTube Facts You Need To Know [Infographic]

YouTube Facts You Need To Know [Infographic] Photo credit: zoomar via Foter.com / CC BY-NC Photo credit: zoomar via Foter.com / CC BY-NC YouTube has exploded in popularity.  My daughter lives on YouTube.  Watching YouTube stars play Minecraft or she checks out the latest comedy videos (she laughs hysterically I find myself laughing too). YouTube for many companies is a business must.  I know in terms of home repair projects YouTube is my #1 go to source.  Ive loved tossing out those How To Repair manuals and be able to  figure out a solution to the problem in under a couple minutes.  Ive replaced toilet parts, swapped out a burnt out fuse in my car, repaired a screen door.  You name it, a solution is out there. My work for the wireless carriers (Verizon, ATT, T-Mobile, Sprint) and the tower companies that support them, are all driving to increase the amount of data that can be run at any one location.  And what is driving that need is the fact that everyone wants video on their phone. And the success of video all comes back to YouTube. Heres some of the highlights YouTube viewers love celebrities.  And those with the largest fan base are the singers.  With the top 3 being Bieber, Perry and Swift. Now these artists have built followings through multiple marketing sources (selling songs and albums on iTunes, playing concert venues, selling products tied to their brand).  But once theyve built their brands, YouTube is where their fans can constantly connect and consume the latest content especially music videos. Need more proof?  Searchers for music blow the doors off other YouTube searches (yes, Im in the minority I guessnot the prime demographic anymorebut my kids are). YouTube is also now a platform that creates stars.  Heres the new generation of super celebrities.  And their celebrity is based on their domination of the YouTube platform. And YouTube is closing in rapidly on Facebook as the #1 platform for active users. So who creates this YouTube content?  Overwhelmingly (41%) it is individuals like you and bloggers.  Corporations dont dominate this content.  People with personalities do.  This is how you set yourself apart and define your personal style and brand. And where is this content being consumed?  Increasingly it is on mobile devices whether smartphones or tablets.  So your content needs to be optimized for mobile and you need to be thinking about how your content is being used.  Is it being consumed while running around town?  Or at home? Want to get the top-to-bottom details?  Check out the full infographic below provided by filmora.

Employers Wish List of Job Skills for the Decade - Hallie Crawford

Employer’s Wish List of Job Skills for the Decade Heres one of my recent press releases that may have some helpful tips for you. Employer’s Wish List of Job Skills for the Decade Atlanta (March 10, 2007) â€" With more than half of hiring professionals claiming they can’t find qualified professionals, landing new employment can be easy for the job seeker with the right skills. “But the key is to know what those skills are â€" because companies are willing to pay more for them,” says Career Coach , CPCC, MA. Atlanta-based Crawford points to the recent Employment Dynamics and Growth Expectations (EDGE) Report which said that many hiring managers are increasing starting salaries in the next year to attract new talent. A Certified Professional Co-Active Coach (CPCC), (https://www.halliecrawford.com) is an experienced coach and trainer who helps people change the way they feel about work â€" from just a paycheck to a fulfilling endeavor that is an extension of their purpose and passion. Based in Atlanta, she offers, career coaching, teleseminars, audio recordings and a free ezine to help people across the country find a career they love. Crawford has earned undergraduate and graduate degrees in Communications from Vanderbilt University and the University of Illinois at Chicago. “As everyone who has held a job eventually learns, your future career prospects depend on the skills you have to offer an employer. And those workers with in-demand skills on their resumes are the ones who get the job,” she says. Although most employers won’t directly ask, Crawford shares the skills on their wish list for the upcoming decade: Can you communicate? “Employers are looking for evidence that a candidate has the skills, qualities, and abilities they believe are important to workplace success, and work experience even if its not directly related to the job at hand can provide that evidence, says Crawford. “The ability to provide that evidence relates back to good communication skills. She explains that successful candidates know how to showcase their work experience on their resume and in the interview to demonstrate to employers that they have a strong work ethic, for example, or the necessary teamwork skills. It can set them apart from their competition. Do you know technology? â€" ‘It’s not okay any more to not know your way around a computer,” says Crawford. She emphasizes understanding basic software programs, how to use them, email and attaching documents, and web searching are expected by employers. Can you make good rational decisions, solve problems and overcome obstacles? â€" “Simply having the knowledge of and the ability to perform these skills, however, are often not enough,” she says. “The ability to think, reason, and make sound decisions is crucial for employees desiring to do well and advance. A person who can think critically, act logically, and evaluate situations to make decisions and solve problems, is a valuable asset.” Are you a balanced person who can work well with others? Having desirable personal qualities and emotional intelligence is equally, if not more, important than having a good basic foundation and critical thinking skills. Regardless of ability, it is difficult in most jobs to utilize workers effectively who lack personal skills. “Employers look for people who have the ability to set goals and priorities in their work and personal lives so that resources of time, money and other resources may be conserved and managed,” says Crawford. For more information on finding an enjoyable career or for a free 30-minute phone consultation, contact at 404-228-6434 or email at hallie AT halliecrawford.com. ### Contact: Shannon Cherry PR for 518.248.6592 pr AT cherrycommunications.com

How to Create a Resume That Will Stand Out

How to Create a Resume That Will Stand OutCreating a resume is a highly useful means of establishing your relevance to potential employers as it can enhance your chances of employment. There are many factors to consider when creating a resume and what's important is that you look for something that will help you in the long run.The most obvious factor is going to be your background checks. You want to make sure that the job you're applying for will have a background check before hiring you. For instance, if you're applying for a position of customer support in a call center, you will want to make sure that your past employment has dealt with client care.In some cases, it might be easier to change the job description to reflect your abilities than to simply provide an updated resume. On the other hand, if the job description only requires you to work with computers, then your resume needs to include references to your computer skills.As for your skill sets, you want to highlight thing s that will help your prospective employer know what to expect from you. This can be very time consuming but is an important step that can really help you move forward.If you can't find any references to use for the jobs you've held previously, it's always a good idea to read through your employment records first. This will allow you to discover things that will boost your current job skills. For instance, if you already know about customer service by heart, you can apply this knowledge to help you meet the demands of an increasingly technology-driven company.Aside from these basics, you will also want to make sure that your resume has plenty of room for customization. This allows you to personalize your resume so that it's not just a standard resume letter.This is a great opportunity to shine. By using this simple guide, you can create a resume that's unique to you, showcasing your skill set and help you impress the hiring manager.