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How to Get Your Business Online If You Can’t Afford a Web Designer

Thursday, May 17th, 2012


You know your business needs a website.
But professional web services can be expensive, especially if you’re just starting out.  If you have some time and enthusiasm, you can create a simple website on your own, and save the big design bucks for when you’re a little more established.

Here are some of my favourite services for DIY websites:

For a simple webpage: OnePager
OnePager offers a selection of attractive templates for a simple one-page website.  Pop in a little blurb about your business, add your contact information, and you’re done.  You can even use your own URL, and it only costs $8 a month.

For a portfolio website: Behance ProSite
If you’re a visual artist or designer, you may have a profile on the Behance Network.  If you sign up for Behance ProSite, you can turn your Behance profile into a full portfolio website, complete with your own URL, for $11 a month.

For a complete website: WordPress
If you have a domain name and web hosting, you can use free WordPress web software to build your own website, without knowing code.  If you find WordPress a little difficult to use at first (the installation is the hardest part – trust me, it gets easier!), there are many online and in-person classes that can help you master the software.

For e-commerce: Shopify or Shoplocket
If you want to set up your own online store for selling products, I highly recommend Shopify. It’s simple enough that you can get started right away, but it also has a lot of powerful options for customization.  They have different monthly pricing plans (starting at $29), based on the number of items you’d like to sell, and how many transactions you anticipate.

If you want to try selling something on your website, but you don’t need a full storefront, check out Shoplocket.  Shoplocket allows you to embed the sale of your item directly into your site, without paying the monthly fees of running a separate online store. You only pay a small fee when you make a sale.  It’s a good low-risk option for experimenting with e-commerce.
Best part of Shopify and Shoplocket? They’re both Canadian startups!

Go ahead and give one (or more) of these services a try, and see how you do.  I think you’ll be surprised at how quickly and inexpensively you can build a simple, attractive website for your business.

And, if you find the whole thing overwhelming, or really want a website that is custom designed just for you and your business, then give a web professional a call – we’re happy to help take you to the next level.

Avery Swartz
is a Toronto-based award-winning web designer and web skills instructor, who will be speaking at our May 29th Toronto Online Money-Maker CRAVE Chat. A self-described design geek, she helps to demystify the web for small business owners, charities, and arts organizations.  Avery believes that getting your business online should be an enjoyable experience for everyone involved, and not a chore.  She offers a friendly, casual approach and promises to use as little technical mumbo-jumbo as possible.  You can contact Avery, view her portfolio, and see a list of upcoming web workshops at averyswartz.com.

Twitter: @AverySwartz
Facebook: Avery Swartz
Linkedin: Avery Swartz

Business Spotlight-Anisa International, Inc.

Tuesday, May 15th, 2012

Anisa Telwar is the owner of Anisa International, Inc., a private-label designer and manufacturer of cosmetic brushes and tools for major global beauty brands. Anisa International combines its manufacturing and design capabilities to create the most unique and professional brushes on the market today for brands like Target, Bare Escentuals, and Smashbox. Atlanta’s locally known adesign Brushes was also created by Anisa International, and is available online for purchase.

Here’s what Anisa has to say about her business & her life as an entrepreness:

What are your most popular products or services?
Our most popular products are typically those that have a high degree of form and function. We get the most response to our products when the design is new and innovative, with a performance that is unparalleled. Products that capitalize on a trend in packaging, materials or cosmetics (such as animal prints, glitter or luxurious golds) also work well.  We also feel strongly in creating products that are born of collaboration and we are constantly seeking input and partnerships.
What tip would you give women who are starting a business?
Do what you know, what you love, and what you know will make money.
What do you like best about owning a business?
Autonomy to create the direction and vision of the company and the brand.
What motivates you on a daily basis?
The desire to be better and to grow personally and professionally, to feel satisfied that I did the best I could that day.
What do you CRAVE?
Freedom and independence. Freedom of expression, independence to have the time to do whatever it is I truly enjoy, and of course a good margarita.

Follow Anisa International-
Facebook: Anisa International, Inc.
Twitter: @AnisaIntl

Follow adesign Brushes-
Facebook: adesign Brushes
Twitter:@adesignbrushes

SK Beauty Expert: An empowering & educational beauty blog by Shana King, the co-founder of adesign and the Beauty Director at Anisa International

How to Speak to Prospective Clients Without Leaving Home

Friday, May 11th, 2012


How often do you actually get to speak to prospective clients?
Do you believe that it would help your business if people could hear your voice?
Imagine if you could ‘talk’ to loads of prospects without having to do it 1-on-1.

The great news is that you can!  It is possible to convey information, once, and have it be heard an unlimited number of times.  How do you do it?  By creating an audio recording.

The human voice can create much more of a connection than the written word.  The spoken word is more personal than text on a page.  When people hear you speak, your passion and personality come across.

Quality content for your audio recordings is critical.  They must contain relevant and helpful information that your prospective clients want, and need.  The content is absolutely not a sales pitch or the history of your business. 

Thinks about topics like

  • Mistakes to avoid when…(fill in what your business offers)
  • The best way to…(fill in what your business offers)
  • How to…(fill in what your business offers)
  • Steps to…(fill in what your business offers)

Think about how effective it would be to offer prospective clients valuable information in a format that they can listen to at their own convenience.

People can listen to audio recordings

  • People can listen to audio recordings
  • On their computers
  • In their cars
  • On portable mp3 players (like an iPod)

Thanks to technology it’s easier, and cheaper, than ever to create your own audio recordings and share them with people.  All you need is a telephone and a computer.  There are several options available and one I have successfully used is Free Conference Calling and guess what, there’s no charge.

Simply sign up, get the phone number for your bridge (this is just a name for a phone line) and you’re ready to go.  You can record the call and then download the file from their website.

Once you have your .mp3 file (.mp3 is an audio file) you can copy it to a blank CD and give it away.  You can also make it available on your website.

The phone number for this service is in the U.S. but that’s not a problem for people living outside the U.S. because there are many inexpensive options to call America, just do a search on the internet.

Format ideas for your audio

  • Have someone interviewing you on a specific topic
  • Create a series of short audios of just you talking
  • Put an inviting message on your website homepage
  • Record a teleclass
  • Record an audio ezine
  • The length can be a few minutes up to an hour

You can give a brief amount of audio information as a gift.  And you can sell larger audio recordings by themselves or in combination with an electronic document or printed workbook.

Are you starting to see the benefits of creating your very own audio recordings?  This is a super effective, low cost way to connect with prospective clients over and over again with a one-time investment of your time and energy.

© Stephanie Ward

Stephanie Ward is the Marketing Coach for Entrepreneurs who want to set their profits on fire!  Grab your FREE copy of the special report ’7 Steps to Attract More Clients in Less Time’ plus business building tips at: Firefly Coaching.

Twitter: @FireflyCoaching
Facebook: Firefly Coaching-Stephanie Ward
Linkedin: Stephanie W.

3 Tips for Creating a True Online Money-Maker

Thursday, May 10th, 2012

I love when someone I admire makes herself more accessible to me by turning her premium one-on-one service into a self-directed, online program or product. It’s such a gift! And it gives me something we all cherish: choice.

Unfortunately, I’ve seen a lot of well-meaning entrepreneurs head into the online money-maker territory and invest lots of hours and money for very
little return.

Here are my three tips for avoiding such a fate:

  1. Ask your clients what they want. Put up a post on Facebook or send out a short electronic survey and ask your clients if you were to create an online product what they would most desire. Give them a few options and see which is the winner. And if there’s no clear winner, ask for suggestions. Our best clients love to help and want to see us succeed. (Another way of approaching this is to ask your readers and fans what their biggest problem is right now. Then create something to solve it.) This is market research.
  2. Make it SPECIFIC. Don’t generalize; specialize. Consider the difference between a relationship coaching program called “Online Relationship Coaching with [Name]” or “4 Steps to Healing a Broken Heart After an Affair.”  If you’ve recently experienced infidelity or know a friend who has, you’re probably pretty likely to be drawn to the second. Sometimes, in our desire to have the broadest appeal, we create offerings that our perfect-fit clients can’t see themselves in because they’re just too vague. You want to craft an online product that has instant “This-is-for-me” appeal. This is niche marketing.
  3. Test and Test some more. I cannot stress this one enough. It simply isn’t possible to know how a variety of users will approach and interpret your online program. By organizing test groups and incorporating their feedback, you can do a proper launch with the confidence that comes from knowing just how good your stuff is. For my own online products, I ask for volunteers to beta-test before I release anything new. In exchange for a deeply reduced rate on the test product, I request their gentlest and most constructive feedback (confession: I’m sensitive). I then use it to make the workbook or workshop even better and, if the test version was already pretty good, I also get myself some fine testimonials to use in the launch.

Writer Carrie Klassen is a green tea enthusiast, amateur poet, fine point pen aficionado, INFJ Scorpio, and president of Pink Elephant Creative, a writing and design boutique for inspired entrepreneurs. She also writes workbooks and teaches workshops at Pink Elephant Academy for Entrepreneurs.

Top 10 Take-Aways from Seattle CRAVE Chat

Wednesday, May 2nd, 2012
CRAVEchat @ DRY SODA – Wednesday, April 25th, 2012

On Wednesday night (4/25), CRAVE Seattle hosted a “Girls CRAVE Funds” chat downtown at Dry Soda. This chat included discussions with women of all career types about creating a business plan, money management, entrepreneurship, and what might be most imperative – encouragement and support. It was a successful night, as seen by the packed house, networking, and words of insight given by our wonderful speakers. Below are some tips and tricks heard throughout the evening…

TOP 10 TAKE-AWAYS:

  1. When starting a new business venture, it’s important to be “scrappy” – be tough and determined until you reach your goals!
  2. Angel Investors are a good alternative (to a conventional bank loan) to fund new start-up businesses
  3. When raising funds, perseverance is essential…don’t give up!
  4. A solid business plan comes from both experience as well as emulating others’.
  5. As females, we are sometimes looked at as incapable when it comes to the financial side of a business – it’s important to have a working knowledge of all aspects of business.
  6. Network in your industry, get to know new people and share ideas with each other – there’s other people out there who share your dream!
  7. Sharelle’s (from Dry Soda) strategic plan: Be clear on what you want…. and don’t be shy about it!
  8. It’s not going to be perfect the first time, there will be bumps along the road, but it says something about your character if you get back up and try again.
  9. If you can’t express your idea simply, then you’ve got a problem on your hands – make your mission statement clear and concise.
  10. Help is out there – websites like score.org & bplans.com can help with all business plans/financial questions

We can’t wait for our next CRAVEchat in May! Hope to see you there.

This Post was written by CRAVE intern Chandler Birky.

TMI? How Much Personal Stuff Should You Share in Your Business?

Tuesday, May 1st, 2012

Maria Ross, author of Branding Basics for Small Business shares a more personal side in her new humorous and heartwarming memoir, Rebooting My Brain: How a Freak Aneurysm Reframed My Life (Print edition out May 1, 2012). To celebrate the release of her new book, we chatted with Maria about the relationship between one’s personal life stories and their business community.

• How much do you talk about your personal life to clients/business associates?
When I started my consulting business, I made a clear separation in work and play. I had a personal blog and a separate company website. Coming from Corporate America, I wanted this clear boundary so people would take me seriously. Since I started my business over four years ago, however, I’ve learned to embrace that my business really is just me, and if people don’t like me, they are not going to be fun to work with. They need to see how I think and feel about things. I’ve been working on blending more of my personal passions (acting, writing, wine and even inspiration) into my branding work. Since branding is all about telling a good story, I can easily find ways to apply my personal experiences to advising a client.

Initially, I was hesitant to share with business contacts that I’d had a brain aneurysm a few years ago. I thought clients might think my skills were compromised. But it turned out people cared, they wanted to know more about how I recovered and built my thriving business back up again. They were amazed that I’ve written two books since then and have also not lost my public speaking savvy. In many ways, they see these as signs of my ethic, determination and guts – and these are qualities they want from someone they are going to hire. With the release of Rebooting My Brain, I don’t necessarily bring it up in a meeting right off the bat, but I’m also transparent with my community and clients.

• Do you feel there is a line that shouldn’t be crossed when it comes to sharing?
Of course, you have to use common sense. When I started my business, some people said “You should not mention that you’re an actress on your business page. People may think you are not committed to your branding work.” But it turns out this little tidbit draws people to me and also interests the media when I speak to them. It helps me stand out. Engaging in acting from time to time shows I think creatively and can bring a unique perspective to my business work. It’s even part of my brand: blending creativity with practical business savvy.

But you have to strike the right balance. I’ve tried to hire people to do jobs for me who seem to always have a drama. It’s always something and they feel the need to share everything. I find this especially true of women. I think that certain women business owners feel if they are working with other women, they have license to just emotionally vomit on the situation. And while I am not made of stone and completely empathize, you know what? I’m paying you to get work done and to help my business. Don’t bring all your emotional baggage to work with you – the client has other things to worry about. It can make you look unprofessional. If you are in a place where you can’t deliver, then don’t take on the work. Be honest.

I don’t automatically bring up my brain aneurysm but I also don’t hide it. If someone asks, I will say, “I lightened my load due to some serious health issues back in 2008.” If I have a good rapport with them or feel they are open to it, I will explain briefly what happened but will not make that the focus of the conversation. But if asked, I’m open and up front – and I do tell them about my new book, which always generates interest!

• Does it depend on the nature of the business or the story being shared?
I think so, yes. You don’t want to dump too much on someone who considers you a business associate, unless that is the nature of your relationship. I’m open and myself with clients, but when it’s time to work, it’s time to work. They need to be my primary focus, not my story or my problems. There have been times I’ve struggled silently with some client work I’m doing on my own due to my cognitive issues from the brain injury. But I find a way to get it done and get it done beautifully. I turn to partners, I ask for objectivity, I find solutions. Clients don’t need to hear excuses or my sob story – I have never used my past brain injury as an excuse to not deliver.

• Do you feel sharing about your personal life can actually be helpful for business?
For the most part, yes. The name of the brand game today is approachability, humanity, connection. People don’t want to hire automatons. Feel free to bring your natural voice, insights and experiences into the mix, especially with social media – but try to find ways to tie some of that into value for your audience.  I often cite cool movies, great restaurants or playful ads that I adore personally with my community to showcase certain lessons. Make sure you’re encouraging your customers or clients to share who they are as well. Be interested. No one wants to hear you talk about yourself all day!

We all need to share something of ourselves in order to connect with our customers and clients as people and build rapport. That said, I think it also depends on your business and your target audience. I hate to sound stereotypical, but if you are targeting alpha-male executives in big corporations, let’s say, they don’t want drama. They want results. Doesn’t mean you can’t be yourself and talk about your family or what you did on vacation, but be aware if you are rambling too much about personal issues.

• With the release of Rebooting My Brain, has this/do you think this will affect your business relationships at Red Slice?
I actually think it’s made them stronger. Those in my community get to see a side of me they may not have seen, plus they connect with me more. Anyone can be a branding consultant, but how many people have survived (and thrived) after a brain aneurysm?! Plus, it’s helped me branch out what I speak about – not just branding and marketing but inspiration, facing adversity and priorities. These are all business topics as well as life topics, and the book opens the door to more of those discussions with my clients and audience.

• I see that you’re promoting Rebooting My Brain on Red Slice through your blog, Facebook and Twitter. Were you hesitant to let your personal story become a part of your Red Slice/business world?
I’ve been evolving Red Slice to talk about more than just branding and marketing anyway – to focus more on irresistible storytelling in our businesses and lives – so this is actually a perfect bridge for my brand evolution. But my core bread and butter, at least right now, focuses on businesses and business people.

As I mentioned, I don’t lead with this story. But since my business is really just me, how can I not bring this experience into my work? The whole ordeal forced me to reframe how I approach both my life AND my work, and people who want to work with me should know that about me. I try to make sure it’s a balanced part of my business work by always finding ways to add value to others with the story: how can my experiences shape YOUR business, YOUR life, YOUR brand and mission? As long as the stories I share continue to add value and make people think, I can continue to blend the two worlds into one perspective and umbrella brand: Maria Ross, Storyteller.

Maria Ross is a brand strategist and the creator of Red Slice, which offers small to mid-sized businesses advice, stories and strategies to boost your business, your brand and your brain.  Purchase Rebooting My Brain: How a Freak Aneurysm Reframed My Life in May and get a ton of bonus goodies, including a CRAVE discount! Click HERE For more info on the Launch Swag Bag.

Twitter: @redslice
Facebook: Red Slice
Linkedin: Maria Ross

Smart Women Buy Real Estate

Monday, April 30th, 2012

There is an interesting trend that I have noticed in my business,  the number of single women buying homes, let’s call it “Mortgage before marriage.”

Based on studies done in the United States, in the past 25 years, the percentage of single female homebuyers has nearly doubled, making unmarried women the second largest group of buyers behind married couples.

According to a Homebuyers report conducted by Maritz Research in Canada in 2004 they see that women are an increasingly significant part of the market. Among the potential buyers surveyed – over half the women & men believed it is important to be in a long term relationship before they buy – however a full 30% of women intend to buy their first home alone with their name as the sole one on the deed.

Women are using their purchasing power to invest in real estate and have little concern about doing it alone.

I know in my business that the number of single women buying a home is increasing, and the statistics confirm this trend. Women are highly educated, have excellent jobs, make good money and have realized there is no reason to wait for Mr. Right to make the right financial decision.  Buying a home is one of the best, long term investments you can make.

Put very simply, you either pay your own mortgage or you pay someone else’s. Everyone needs a place to live, but a home is so much more than that. It’s a place of comfort that you come home to at night, it’s where you celebrate holidays, enjoy meals with friends and family and put down your roots. Isn’t it nice to know that while you are enjoying your home, it’s quietly going up in value, on average 5% per year, and through your mortgage payments your equity in the home is increasing as well. You can’t live in an RRSP or a 401K.

Now, of course I realize that not all real estate increases in value all the time, and with the recent housing crash in the States, one could argue that you could end up on the wrong side of a real estate investment.  In Canada we’ve enjoyed very healthy appreciation in house values over an extended period of time. It’s not a straight line of increases, and corrections do happen from time to time, but our banking system and conservative lending practices have helped to keep speculation out of the market and steady, predictable returns in real estate have prevailed.

Smart Women buy real estate to build financial wealth and secure their future.
Don’t wait to buy real estate, buy real estate and wait.

Helga Teitsson
represents both home buyers and sellers in the most desirable and vibrant neighborhoods in Toronto. Whether you are looking to buy or sell a condominium, a single family home or income property, Helga is there to direct and guide the process every step of the way.

Twitter: @helgashomes
Facebook: Helga’s Homes
Linkedin: Helga Teitsson

Women vs. Men: An investing snapshot

Monday, April 30th, 2012

As an advisor specializing in wealth management for women, I have been able to gather some interesting information over the last 15 years about the differences between men and women when it comes to investing.

I am sure you have heard the expression “Men are from Mars, Women are from Venus.” Well, here are some of the differences between the sexes and what we can learn from each other.

Mars (Men)

  • Men chase “hot stocks” and fads more often than women
  • Men do more trading – approx 45% more
  • Men like to brag about their investments (only the good ones)
  • Men are more likely to become overconfident in their trading abilities
  • Men expect higher returns than women
  • Men sometimes let their judgment become impaired and they will hold onto poor investments because they don’t want to admit failure
  • Most men seek out an investment advisor
  • Men have more savings in their retirement accounts (on average they have $12k more)
  • More than twice as many men invest in stocks than women
  • Men buy more mutual funds than women (56% vs. 37%)
  • Men are less likely to worry about the future

Venus (Women)

  • Women consider the risks involved
  • Women will tend to buy and hold
  • Women don’t hesitate to ask questions – they want to understand what is being suggested and why
  • Women seek information and research their investment choices (less impulsive)
  • Women lean toward a more balanced approach
  • Women invest in companies with similar social/ethical beliefs as their own (i.e.: Whole Foods, Lululemon)
  • Women think long-term
  • Less than 50% of women seek out an investment advisor
  • Women take advantage of tax free investments more often then men
  • More women prefer fixed income investments then men
  • Women focus more on eliminating debt

What men can learn from women

  • Spend more time researching companies they invest in
  • Maintain a more balanced portfolio & think long-term

What women can learn from men

  • Strive for higher returns
  • Become more confident in their investment decisions
  • Seek out professional advice

“When it comes to gender investing…the planets are not always aligned.”

I often ask couples to complete separate risk tolerance questionnaires.  I also ask them to rank their life values for me (home, family, leisure, work, mind & spirit, legacy).  Very often they are not on the same planet, so it’s my job as an advisor to bring them back to earth, get them talking the same language and make sure they reach their common goals.

Final Thoughts
Money and finances is one of life’s major stressors. No wonder it is also a cause for arguments in 86% of couples.  However, we know that the issues surrounding finances go beyond gender.  Every individual has unique needs. That is why everyone’s financial plan is different.  Sadly though, not every family actually has a financial plan in place. Managing your wealth involves important decisions with some of your largest assets.  Don’t do it alone.  Ask for help.

By Natalie Jamison - Investment Advisor at RBC Dominion Securities Inc.
Women & Wealth ® – Your life, Your family, Your legacy.

Twitter: @womenandwealth
Linkedin: Natalie Jamison

This information is not investment advice and should be used only in conjunction with a discussion with your RBC Dominion Securities Inc. Investment Advisor. This will ensure that your own circumstances have been considered properly and that action is taken on the latest available information. The information contained herein has been obtained from sources believed to be reliable at the time obtained but neither RBC Dominion Securities Inc. nor its employees, agents, or information suppliers can guarantee its accuracy or completeness. This report is not and under no circumstances is to be construed as an offer to sell or the solicitation of an offer to buy any securities. This report is furnished on the basis and understanding that neither RBC Dominion Securities Inc. nor its employees, agents, or information suppliers is to be under any responsibility or liability whatsoever in respect thereof. The inventories of RBC Dominion Securities Inc. may from time to time include securities mentioned herein. RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund.

Attracting More Money in Your Life

Friday, April 27th, 2012

Want to attract more money in your life?
Years ago when I was out of work and struggling financially, I discovered a simple technique that allowed me to attract more money in my life. By applying it, I have prospered tremendously, both financially and spiritually.
Here’s how it works:

Step #1:
Take a look at how you keep your money in your purse, wallet or pocket. Why? Because the way you keep your money represents your attitude toward money. Back then, my money was all over the place: my dollar bills were crammed in my wallet or they were scattered throughout my purse.  I’d even find loose change in the laundry machine.  I was treating money badly because I didn’t want to deal with it. What I didn’t realize was that through my actions and attitude, I was actually stopping the flow of money from coming into my life.  In essence, I was unconsciously keeping myself stuck in a place of lack and scarcity.

So how do you open up the flow of money?

Step #2:
Take the money in your wallet and arrange it in denominational order. Collect all your loose change. By keeping your money this way, you are showing you care about it.  Also, make it a habit to get rid of old receipts in your wallet on a regular basis.Yes, I know, applying this technique will not turn you into an instant millionaire. But, by keeping your money organized and tidy you are taking a small step that will over time reap big benefits. When you start taking better care of your money, you begin to take better care of yourself and that’s when the real transformation begins.

Become BFFs with your wallet today &  you will attract more money in your life!

Florence “Flo” Grunfelder is a Money Coach at Money with Flo. She works with conscious entrepreneurs who want to authentically build a six-figure business and make a bigger difference in the world. Through her “Become a Money Magnet” and “Boost your Biz in 90 days” programs, she empowers her clients to develop a positive relationship with money so that they can work less, earn more and take their business from struggling to ka-ching.

Facebook: MoneywithFlo
Twitter: @MoneywithFlo
Linkedin: Florence Grunfelder
Pinterest: Florence Grunfelder

Three Simple Decisions about Saving Money

Wednesday, April 25th, 2012

You’re a young professional. You’re earning good money and enjoying life.
It’s hard to imagine that one day you’ll be older.
But, believe it or not, if you’re lucky, one day you’ll find you are older.
And, when you are, what kind of lifestyle do you want to be living?

I thought so. A no-frills kind of existence isn’t your style.

So take a seat and listen up.
I want to help you build wealth relatively painlessly.
All it takes is three small decisions. Three simple, not necessarily easy, decisions.
But those three choices could make a world of difference.

Decision #1: Decide saving is important.
There are so many things you could be doing with your money other than saving it. Believe me, I get it. After your bills are paid, you may simply spend all your money without giving it too much thought.  It can be easy to do. After all, it is suggested that some 90 percent of purchases are impulse purchases.

So if you’re not saving at least 10 percent of your take home income then I challenge you to make this a priority.
Your lifestyle will eventually thank you.

Decision #2: Decide to make it automatic.
You’re probably fairly good at paying your bills, particularly if you have set up automatic payments. Utility and telephone companies have helped make this easy for us to do. They seem to understand that a month can pass almost unnoticed and so can paying that bill.

By setting up an automatic savings payment your savings will become just like your other expenses – expected and routine.

Decision #3: Decide to stick with it.
In the beginning your savings are vulnerable. They may not seem like a lot and you may think “what’s the point?”

But here’s an example for you. Let’s say you invest $500 a month beginning at age 25, and you earn 7 percent annually on that money. By the time you turn 65, you’ll have about $670,000 saved up. If you wait until you’re 35 to begin saving, assuming the same monthly investment and rate of return, you’ll have saved about $380,000. This example simply shows the impact that a 10-year head start can make on your savings and the magic of compounding. It also shows the beauty of sticking with it.

Of course, the more you earn, the more you can save.
It’s not rocket science. In the beginning you just need to overcome your anxiety and decide to get started.
What are you waiting for? Three simple decisions could make all the difference to your financial future and your lifestyle.

The information provided is general in nature. This information should not be relied upon or construed as financial advice. Readers should consult with their own advisors, lawyers and financial planning professionals for advice before employing any specific tax or investing strategy. E&OE.

Lynn Williams was young once. Like many, she thought she’d always be young. So, having started saving seriously later than she ideally should have, she’s keen to share her wisdom and assist you to save more, sooner. Lynn brings her experience and expertise from chartered accounting and relationship marketing together at The Lifestyle Protector: professional financial advisors assisting business owners and professionals to do more with their money.

Twitter: @LifestylePro
Facebook: The Lifestyle Protector
LinkedIn: Lynn Williams