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Everyone has seen the television commercials with slogans such as “Buy now pay later,” and the like.
you do not need to save your money to buy that new car, a wide-screen TV, that latest smartphone, or a holiday on a tropical island when you can have all these things now.
Instant gratification is a very expensive habit; one that will lead you to a life of financial challenges.
There have been misleading statements in some of the advertising; one I saw read, “Helping you to get ahead.”
That kind of slogan suggests that the finance company is doing borrowers a favour which is far from the truth.
Loan sharks and finance companies thrive on financial ignorance; a person with even a basic grounding in personal finance will avoid loan sharks as if they had tested positive for covid.
One should ascertain whether the item is a want or a need before signing on the dotted line.
Many people go into debt because they want to live a champagne lifestyle on a lemonade budget just to impress their friends. They are not happy with living modestly.
An expensive lifestyle is costly in the long run.
The parable of the prodigal son is a perfect example. Here was a young man who blew his inheritance on wasteful living and ended up living in poverty due to his lifestyle.
He not only blew his inheritance but was most likely living on credit.
It is borrowing that really kills off a person’s chances of financial success. That interest rate is dead money; it is the cost of borrowing.
Paying interest on stuff you have bought on credit adds to the cost of it and the value of a lot of stuff bought on credit is worth less as soon as you take possession of it.
“If you don’t have the money you don’t buy it,” is a simple philosophy to adopt.
What you think you cannot live without is something others have learned to live without.
It all comes down to the choices we make.
There are some circumstances when it may be wise to borrow such as when the value of the item you are purchasing is going to make it financially worthwhile such as a student loan. This may or may not mean you will get a good paying job but you must be absolutely clear that it is what you want to do otherwise the course will be a total waste of money.

What exactly is digital marketing? It is the process of building and maintaining customer relationships, via online activities. It aids in the exchange of ideas, products, and services satisfying the goals and expectations of both parties.People usually go online to look into some information about a new product and services even location. The net is the most useful tool for most when they need help, or when they need further information on certain individual’s organizations, or just about any general information. Because of the constant growth of the web and the increasing number of people connected every day search enginel marketing has become indispensable for many organizations; including small businesses that wants to grow and be known online.Online marketing has its advantages; primarily it allows the consumer to be in control. It provides convenience to both the small business and its clients. It reduces the cost of sales; it helps the business build brands and gives targeted results. Online marketing comprises the following components, SEO or search engine optimization, PPC or pay per click, SMM social media marketing, ORM online reputation management, email marketing, affiliate marketing, display advertising and content marketing. All of these components allow small business search engine marketing to basically utilize all the benefits that the strategy offers.
Most search engine marketing strategies and campaigns have major objectives; one is to reach the right audience, to engage with your audience. Motivating the audience to take action is another factor. It aims to generate sales and or capture leads from customers searching over the net for answers.Business can benefit so much from digital marketing. Given the right information and all possible strategies available can surely help the business grow. We are now in a business climate that favors businesses. Consumers today are making decisions more carefully, and that favors small businesses that they can trust – especially local businesses they can personally get to know.There are online agencies who offer digital marketing services; most of them are constantly providing advanced and updated information. Small business digital marketing can grow with the help and expertise of exceptional young individuals working together to provide innovative and effective ideas. These agencies commonly specializes on social media marketing, SEO marketing, online marketing, website creation, and affiliate marketing management. They are available to help meet the needs of their clients regardless of the demands, in this way it also pushes their capacity to create and be technically equipped.
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