onespirit

Suggested price:   9¢ to 12¢ per word
Location:  Richmond, MO
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Biography

I am a creative Web Content Specialist with 12 years of experience in writing original and high-quality content. Over the years I have written on a wide variety of niches including Forex and Internet Marketing. I am also very familiar with SEO techniques and keyword density and only need keywords to create an article. My articles are unique and of the highest quality.

My niches include health & fitness, home & garden, personal finance, pets & animals, SEO, women, dogs, fishing, DIY, home remodeling, and many more.

EDUCATION:  None provided BLOG:  Michelle Bach Freelance Writer/Web Content Specialist
CERTIFICATIONS:  None provided CURRICULUM VITAE:  Must be logged in to view

Niches

  • SEO

Writing Sample

5 Life Hacks That Can Help You With Financial Stability

 

Ever wonder what you can do to make your life more financially stable? Well, here are five tips and tricks to help you on your way to a more financially stable future.

Get rid of debts and prevent them

Believe it or not not all debts are the same. Loans with high-interest rates are not the same as loans that have low-interest rates such as student loans or a mortgage. Debt can have an effect on us so it’s far better to get rid of current debts and prevent new debt. Calculate how much you owe now and note what type of loan it is, for example, a car loan or a credit card. If you have a lot of credit card debt or a lot of unpaid student loans try to get rid of those debts as fast as you can and be sure not to go further into debt.

However, there are times when having a credit card can be beneficial such as making investments. But never under any circumstance get a credit card just for general purposes such as shopping for food or clothes. If you can't afford to pay for your new clothes don’t buy them. It’s just as plain and simple as that.


Make an emergency fund

Take a look at your budget and determine how much you spend each month. Make it a priority to create an emergency fund to sustain you for about 3 to 6 months just in case you lose your main source of income. When you see how difficult it is you will gain a new understanding of how dependent you are on your job. This might motivate you to work on becoming more financially stable.


Create a budget

If you don’t already have one create a budget. When you have a budget and stick to it you will be able to see exactly where your money is going and make sure it goes exactly where you want it to go. Create a budget that you can be in control of and start being accountable for it.


Buying a used car or over buying a new one

When you want to become financially stable buying a used car instead of a new one will save you a lot of money in many ways. Today’s cars are much more dependable and last longer than they ever did before. When you pay a lower price for a car it’s easier on your budget. You’ll also save money on car insurance by having an older vehicle.


Save money with your 401K

Many people today don’t think about the day they retire until it’s time to retire. One of the best ways to be financially stable is to start putting money away as soon as you can preferably when you’re in your 20’s. The minute you are hired regardless of how old you are start saving with a 401K. Increase it to the maximum amount of what your company will match even if you have to live frugally. This will more than pay for itself in the long run.

When you follow these simple tips you will be financially stable in no time at all.

 

 

 

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