Authentically Nita

Many consumers are overwhelmed by accumulated debts. In most cases, the problem creeps up gradually, until the total debt load reaches unmanageable proportions. Sometimes even minor problems such as temporary illness can tip the balance for the heavily indebted because they have no savings on which to fall back. Here are some suggestions to help ease the debt burden. Credit Cards If you know you are tempted to overspend on credit cards, leave them at home when you go shopping. Pay with cash and you will not have the temptation to overspend. Develop a Budget To take control of your financial situation you must have a realistic assessment of how much money you earn and how much money you have left over to spend. Calculate your total income, then list your "fixed" expenses - those unescapable charges you incur every month - like mortgage payments or rent, car payments, and insurance premiums. Next, list optional expenses such as entertainment, recreation, and clothing. Writing d

Today, I ran across an article on the Huffington Post about 7 time lottery winner Richard Lustig. Back in November, Lustig was giving out tips on how to win the lottery, or at least, how to increase your chances of winning. This man has won the grand prize seven times, so either he is the luckiest man in the world, or he knows what he's talking about, (you be the judge). Here are some of his tips: - Pick your own numbers instead of having the machine do it for you - Research and see if your numbers have won before - Select your ten sets of numbers and keep those if you continue buying tickets - Buy as many tickets as you can afford Those tips sounded great, but I wondered, "What are the real chances of me winning the lottery even if I did those things?" I decided to find out. In Pennsylvania, we have the Cash 5 Lottery Drawing. The odds of winning the Cash 5 are obviously better than the odds of winning the PowerBall or any lottery drawing with more than 5 num

When thinking about starting an online store, or selling products or services online, one might want to figure out which products are bringing in the cash. I've been experimenting with selling on eBay. I've only sold clothes and shoes, but wanted to find out what products would bring in more money. I found an article that does a good job of breaking it down. The top selling items are Software, books, music, videos, flowers, computer hardware, consumer electronics, office supplies, apparel, and footwear. Click this link -> eStorefront Guide for more info. After reading the information I think I will stick to selling apparel. From my own experience with online sales I can say that children and women's clothing sell much faster than men's clothing. I'm making plans to open my eBay store as a children's clothing store.