Discover the Top 5 Financial Tips


Dealing with finance can be tricky, whether we are discussing your personal finances or referring to a business. There is a lot to consider, but if you stick with it, you will find that handling and managing your finances does not have to be as difficult as it first appears. You should always set goals and try to stick to them as closely as possible; but at the same time, if you miss a goal, do not let that deter you from getting back on track. If you are looking for ways to improve your finances, then look over these top 5 financial tips.


5 – Spend Less Than You Earn

Finance_Icon_RGB_TransThis first tip should be obvious; however, it is easy to end up spending more than you are taking in, especially when you factor in credit cards and loans. Pay attention to your after tax earnings each month. After paying bills and dealing with expenses, you should still have something left over to rollover into a savings account or to use towards paying down past debt. You do not have to create a detailed, item by item budget, but you should remain aware of how much you are taking in and how much you are spending.

Create a general list, adding up your monthly bills, without including your minimum credit card statements. Then add your expenses, such as food, entertainment, and clothing. Do not short yourself when adding expenses, be realistic and include a fair amount for how much you think you may spend each month on expenses. The amount left over, after taking expenses and bills away from your earnings, is your buffer. You will use this in the next step.


4 – Start Paying Off Debt

finance (1)If you are able to sticking to your budget, you should have a buffer that can be used to pay off past debt. This is the reason that your minimum credit card payments are not included in your budget. Now it is time to total the minimum payments.

If you have delinquent payments that have been passed off to a collection agency, begin using your remaining buffer to pay those off one at a time. Once delinquent bills are taken care of, use the extra buffer money to begin paying off your credit card with the smallest limit. You are slowly working your way up the chain of credit cards, starting with the most manageable. By paying more than the minimum payment, you will end up spending less in the long run.


3 – Start Saving Money

The next way to get your finances in order, after clearing all your credit cards and past debts, is to start adding towards a savings account. You should set a goal, and try to include as large of a portion of your buffer money towards savings as possible. Ultimately, you will want to have an amount in your savings account equal to at least 6 months of your earnings. This will protect in the event of unforeseen expenses or if you happen to lose a job.


2 – Put Money Towards a Retirement Account

finance-263x350Once you have managed to reach your savings goal, you should sit down with a financial advisor start looking into retirement options. Many employers will match a part of the money that you put into a 401(k). Find out how much they will match, and up to what amount, and ensure you are including at least that much each paycheck.


1 – Visit a Professional Tax Preparation Business

When it comes time to file your taxes, it is a good idea to allow a professional tax specialist handle your taxes. They will be able to make sure that you do not miss out on any deductions, so that you get the highest tax return that you are capable of getting. There are many affordable tax programs that you can use from home to handle your own taxes, but you run the risk of missing out on deductions due to retirement savings, charitable donations, and other easily over-looked methods of increasing your return.

If you put all these financial tips together, starting with number 5 and working your way down, you should be able to become more secure in your finances within a reasonable amount of time. Stick with it and realize that become more financially secure is not something that will happen over night.

Depending on your past debt, your current bills, and your earnings, it could take several years to finally reach your set goals. If this is the case, it may help to create short-term goals, such as paying off a delinquent online finance loan or paying off a specific credit card. Dealing with finances should not be a constant source of stress. If you have any additional questions, feel free to leave a comment below.

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Become a Loan Agent, No License, No Experience Required, Work from Home.

Earn Big Dollars By Helping Business Owners Get Cash!


(Q) Rep/Agent Name Who Referred You To DAC?
(A) shannon D. smith (do not forget the D.)
(Q) Rep/Agent ID# Of Person Who Referred You To DAC?
(A) 101220379

1. A Business Needs a Short Term Loan.
2. You Introduce them to a DAC Loan.
3. We at DAC find the best loan for them.
Our Lenders Love To Loan Money To Business Owners

Why Become A Small Business Loan Agent With DAC
1. Work from home
2. Flexible schedule (full-time or part-time)
3. The market for small business loans is booming
4. Businesses have growth opportunities but can’t get money from the “big banks”
5. No licensing requirements to slow you down
6. More approvals – Our top-tiered lenders have less stringent criteria than big banks
7. Quick approvals (1 business day) and fast funding (soon as 2 days).
8. Helping businesses get funding can be very satisfying and lucrative
9. Proven training to increase your effectiveness.

How would You Be Compensated?

Earn Personal Commissions -“Direct Pay”*-
You will receive commissions for each funded loan that you personally introduce to DAC. This commission averages 2-3% of loan amount but could be as high as 5%.(Example: Help a client get a 0,000 loan and earn ,000-,000 commission). There is no limit to the number of clients you can assist to secure loans.
Note-If you own a business, you cannot act as the Independent Sales Agent for your own loan. The agent who referred you to DAC will receive the personal commission credit.
Personal Referral Override “Enroller’s Direct Pay”*-
If you refer other individuals who become Independent Sales Agents, you can qualify to earn overrides on the loan clients they acquire. (Example: One of your Agents helps a client get a 0,000 loan. They would earn their commission, plus you would earn between 0-,200. There is no limit to the number of independent agents you can personally refer.
Extended Agent “Direct Pay Overides”*-
If your personally enrolled agents enroll other agents, this develops your Extended Agent team. You can qualify to earn Direct Pay Overrides on up to 4 levels of Extended Agent enrollees. Example: You have 4 Personally Enrolled Agents, who each enroll 4 themselves. You would have 16 on level 2. If this continues on and on, you would have 64 on level 3, 256 on level 4. Lets say just 40 loans were secured and funded from your team each month and the loans averaged ,000 each. This bonus would earn you between ,000-,000 per month.
Leadership Overrides* –
Upon qualification, you can earn a percentage of ALL LOANS acquired by your agent team through unlimited levels via our Parent Company’s (YGYI) Pay plan.
Car Allowance Upon Qualifications*-
Upon Qualification, you can receive a car allowance of 0 to ,000 per month, also from our Parent Company’s Pay Plan.

*All income claims or explanations are for mathmatical sample and educational purposes. Income is ONLY EARNED when you help to secure a client who is funded a loan. You should not expect to earn any of the incomes shown above as they are shown for demonstration purposes only and are NOT LIKELY. There is no income guarantee, nor is there an income ceiling. The DAC Compensation Plan is a Results-Based commission plan – meaning only funded clients will produce income for you. We do NOT guarantee you will make any income whatsoever.


(Q) Rep/Agent Name Who Referred You To DAC?
(A) shannon D. smith (do not forget the D.)
(Q) Rep/Agent ID# Of Person Who Referred You To DAC?
(A) 101220379