Steps to a successful money saver move

By Belinda Johnson

move tips

Found at Listotic

Five years ago I moved locally. Now I’m moving out of state. I’ve lived in eight different states. Each move taught me something new and valuable about the process, especially how to create a money saver move.

Simply put, if you’re moving, you’re not alone. Between 2012 and 2013, approximately 35.9 million people moved in the United States. That’s just in the United States. Leading reasons why people move range from job location, better housing and to be closer to family, according to the Census Bureau. Reasons aside, moving to a new house or apartment is work.

The sooner you get started, the better.

To enjoy a successful move that saves you money, develop a plan. Items to include in the plan are the cost of rental trucks, storage facilities, mileage and gas and the numbers of paid time off days you’ll need to take from work.

Take of Housing Early

Put your house on the market as soon as possible. The last thing you want to do is get stuck with two mortgages. Renting your house is another option, especially if the housing market is down. Renting your house is a true money saver if prices on houses where you currently living have dropped significantly.

If you live in an apartment, visit or telephone the leasing office and let them know that you are leaving. Many leasing offices require a 60 day notice. Make sure you notify the office that you are leaving in enough days to avoid having to pay for an extra month of rent.

About Moving Trucks

Call several truck rental firms. If you create a spreadsheet, you can add data points like the cost of the truck, the number of days included in the rental price, if there’s additional charge if you go over a certain number of miles and if you need to pay for insurance. Give yourself at least one to two weeks to get feedback from six or more truck rental companies.

Money Saver Tip:  Professional truck rental services may save you money if you move during spring, summer or early autumn.

Start going through your household belongings. Toss out ragged, torn towels. Toss out expired canned items that are taking up needless space in your kitchen cabinets and lining your shelves. Consider donating old books to local libraries. Clothes and coats that you haven’t worn in two or more years could keep someone warm during cold months or be the clothes that someone can wear to a job interview.

Try not to talk yourself into keeping clothes, shoes and household items that you have not used once in years. Moving is a great opportunity to get rid of clutter. It’s less to dust. It could help you avoid slipping into hoarding habits. The less you have to load in a moving truck, the greater the likelihood that your move will be a money saver.

Moving Saver Tip:  If you decide to drive the moving truck yourself, check with companies like U-Haul to see if you can get two hours of help at reasonable rates.

Money Saver Move Checklist

Download a checklist offline or create a moving checklist of your own. Here are activities to include on your checklist:

  • Contact apartment leasing office, notifying them of move out date
  • Shut off telephone service at old residence
  • Shut on telephone service at new residence
  • Go house or apartment shopping
  • Select new residence and complete necessary paperwork
  • Get enough packing supplies (i.e. moving dolly, boxes, tape, padding)
  • Contact cable and Internet service providers to switch or discontinue service
  • Find out the process to have vehicles registered in new state (if you’re moving out of state)
  • Inform water, electric and/or gas company of move
  • Update renter’s insurance location with insurance company
  • Submit a change of address form at the post office
  • Turn in old cable boxes (save money by avoiding paying for boxes you don’t need, but forgot to turn in)
  • Pay bills off prior to move to avoid having services shut off or receiving late fees
  • Give family and friends your new address and telephone numbers
  • Let the cell phone company know where you are moving to and when
  • Sell old furniture and buy new furniture as you see fit
  • Inform human resources where you work of your move so your payroll and tax records will be accurate
  • Turn in keys at your former residence
  • Change the locks at your new house
  • Let your doctor, dentist, etc. know of your move
  • Take pictures of your new apartment before you start unpacking
  • Get a babysitter to watch your young children
  • Ask a friend to watch your pets on your move day
  • Keep receipts of your move in case you can deduct a portion of the cost of your move from your taxes
  • Box moving items
  • Clean home or apartment
  • Get keys to the new residence
  • Save enough money to cover the cost of the move and unexpected events

This isn’t on the checklist, as you might decide to drive your car or truck to your new residence. However, if you’re moving out of state, see if you can save money by having an auto firm transport your vehicle to your new home. Depending on how far you are moving out of state and the make and year of your vehicle, you could get a deal and wind up only spending $400.

Also, start looking for a new job if you are moving to get better housing or for another reason and you don’t already have another job where you are headed. Build a strong resume and cover letter. Look for and apply to no less than 10 jobs a week. Work through employment agencies to increase your chances of securing employment, even if it’s temporary work.

Identify the resources (i.e. friends who will help you move, professional movers) that you will need to make your move as seamless as possible. Give yourself time to adjust to the change. Moving is change and your inner self may get a little bumpy at times. Be patient with yourself. Enjoy your new home and your new neighbors!

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Thriving Without Contagious Success

By Rhonda Campbell

success requires vision


Success is contagious. We all want to be around successful people, admiring and celebrating them. Rack up enough contagious success and you could become a heroine or hero. That’s because we know it takes guts, a rarely seen persistence and tenacity (inner drive few of us are willing to commit to) in order to realize one success after another.

Contagious success also takes vision. Reason being . . . all of us face challenges, experience down periods. Truth is. None of us is always at the top. Even successful solopreneurs that generate thousands of dollars in annual profits go through down periods.

Achieving Success During Down Periods

What do you do when your business experiences a down period? After all, as a solopreneur, you don’t have options other business owners have. For instance, you can’t save money by cutting employee payroll costs. You also can’t ask one or more employees to take on additional work absent a salary increase.

But, you have to do something, because how you handle down periods may determine how your business is positioned after the economy shifts in your favor. Following are steps you can take to make the most of down periods, setting yourself up for greater success after the down period swings up:

  • Network. Network.
  • Attend industry specific conferences, seminars and trade shows. Continue to learn and connect with influencers in your industry or field.
  • Enroll in an online or classroom training course that teaches you skills you can use immediately.
  • Get active at social networks. Be assertive.
  • Start blogging. Add new posts to your blog at least once a week. Active blogs generally get more traffic. Also make sure that your blog content is relevant and SEO optimized.
  • Write and sell e-books. Include your business name, address and website URL at the front and back of the book so readers can find your business.
  • Create business video training seminars. It’s a good way to land paying speaking and training engagements.
  • Get organized (i.e. organize files, taxes)
  • Review and modify budgets
  • Trust your inner guide and keep taking “smart” risks
  • Have faith (the evidence of things that your physical eyes don’t see is already here)

It’s during down periods when heroines and heroes are truly made. It’s during down periods when people learn how to build contagious success. However, it’s also during down periods when you and other successful business owners may be most tempted to sit back and do nothing, hoping and praying that the tide will shift like magic. Don’t do this.

Stay in the game. Keep brainstorming, connecting with other people who are building contagious success, and keep taking the right risks. If you have a solid talent base in  your chosen field, things could swing up, positioning you for a rise all the way to the top.

Rhonda Campbell, an East Coast journalist, is the owner of Off The Shelf radio and publisher of the new books Long Walk Up and Love Pour Over Me.

Posted in Staying Motivated and Inspired | Tagged , | 1 Comment

Freelancers get paid this way

By Rhonda Campbell

Freelancers payments

Found at Realsimple


Major firms have been attracted to offshore, contract and freelance workers since the 1990s. The attraction is growing, especially toward freelancers.

Employers who hire freelancers don’t have to deal with payroll taxes, employee healthcare costs or real estate expenses. Shady employers try to get work from freelancers at rates that are well below what they would have to pay the average employee. As a freelancer, if you’re not alert, you could spend years working for $5 or more dollars an hour than an employee who does the exact same work that you do earns.

Underpayment to No Payment
At first glance, $5 an hour might not seem like much. However, log 40 hours and you’d be underpaid by $200. And that’s just for one week.

Contently reports that the average full-time freelancer made between $20,001 and $30,000 in 2015. Only five percent of the freelancers who responded to a Contently survey made $100,000 or more.

Underpayment is bad enough. Worse is not getting paid at all. More than a quarter of freelancers spend time chasing down money that they are owed.

You can reduce your chances of getting stiffed as a freelancer if you research potential clients. Similar to how you check out an employer you’d consider working for, check out potential clients. Do an online search on prospects. Review BBB reviews. Look over professional writer forums to see if there are warnings about the client.

Getting Paid as a Freelancer
It may be easier to check out major clients, looking thru regulatory documents and reviewing their business ratings. Freelancers Union has a client scorecard that you can use as you complete your research.

More actions that you can take to avoid getting stiffed as a freelancer are to:

• Get a detailed contract from each client that you work for. Make sure that the contract includes processes, payment amounts and payment timeframes for each different project that you work on. A good contract will also state the number of edits or revisions that you may have to complete. Make sure that contracts respect you and your skills. If a client doesn’t present you with a contract, draft one of your own. Elance has sample contract templates.
• Submit invoices to clients on time. Include agreed upon payment terms on each invoice (similar to your telephone company or loan department do with you).
• Stop completing new work for a client who hasn’t paid you. There’s no need to add three to four months of unpaid for work to your portfolio.
• Avoid payment scams. If a client sends you money orders or a check then tells you that they accidentally overpaid you and ask you to return the overpayment. Don’t cash or deposit the money orders or checks. Contact authorities. It could be a scam that would leave you holding the very, very short end of a stick.

Take your freelancing career seriously. Remember that you are the CEO of your career. Approach your business similar to how a CEO at a major organization approaches her business. This includes taking a client to small claims court should she refuse to pay you for work that you have already performed.

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Content marketing plans that work

By Rhonda Campbell

Found at

Found at

Content marketing is the mix of passion, experience, engaging writing, social sharing and marketing. Prior to the rise of content marketing, you’d have to rely on media contacts to spread the word about the launch of your business or new products and services that you were developing. Press releases, radio and television interviews and paid ads were top options two to three decades ago.

Today, press releases still work, especially if you organically add targeted keywords to the releases.  Yet, there are challenges. Journalists receive dozens of press releases a day. Larger media outlets can receive hundreds of releases a day.

Content marketing tools

Distinguishing yourself from the crowd can seem implausible with this approach. Fortunately, content marketing  can put your message in front of thousands of people within seconds. What tools do you have to implement an effective content marketing plan?

All of these are effective content marketing resources:

  • Social media platforms (i.e. Facebook, Twitter, Instagram, Pinterest, Google Plus, StumbleUpon)
  • Blogs
  • Online media outlets
  • Landing pages
  • Websites
  • Email marketing
  • Videos

There is much ground to cover. To start, build a content marketing calendar. Identify which media outlets you will target. As a tip, you may want to focus on no more than three to four social media platforms to create enriching relationships with followers and supporters. These are platforms that you will visit, comment on, ask questions and post unique content on several days a week.

Write down the days and times that you will post content to these social media platforms. Test out days and times for different types of posts. For example, you may find that you get best results when you post videos at noon on weekends.

Data to add to your content marketing calendar

Other actions to add to your content marketing calendar are when you will post blog articles at your business blog, when you will update landing pages, content on your websites and shoot new videos. For email marketing, consider distributing a weekly newsletter, sales brochure or coupon booklet.

Connect keywords used in each piece of content marketing. Choose keywords that highlight the benefits that your products and services offer. If you contract with professional freelance writers or marketing agencies make sure that these writers have spot on research skills.

It also pays to work with freelance writers or marketing agencies that have firsthand experience in the industry that you specialize in. Just as you can tell if writing is natural and reliable, so can your customers. The best intentions won’t make content come across as natural if writers are unfamiliar with the products or services they are writing about.

Add every content marketing item to your calendar. Don’t skimp on the calendar creation. Identify human resources that you will use to meet calendar deliverables. This step will highlight areas where you need help. Angie’s List, Elance and WooRank are places where you can find content marketing contractors.

Content marketing specialty firms

Companies that specialize in content marketing include NewsCred, Percolate, Social Media Contractors and Outbrain. Outbrain pushes your content out to readers. You should see an increase in traffic. Just make sure that the traffic is a part of your target audience. Percolate is a software system that you can use to monitor content marketing plans as well as manage social media relationships.

Google analytics, visitor comments, social media shares, blog and newsletter subscribers and, of course, sales, are ways to measure effects of your content marketing strategies. If you subscribe to a content marketing platform, log into your dashboard. See who the sites are bringing to your blog, landing page, website or social media account.

Don’t guess. Look at and pay attention to the analytics. They tell a story. Tweak your content marketing calendar and strategies as needed. This includes adding paying social media and other marketing tools to your overall plan.

Posted in Growing Business | Tagged | 1 Comment

You can’t win all by yourself

By Ericka Simpson

image of your success

Found at

Have you ever fantasized about setting a record in your industry or profession and doing all the heavy lifting by yourself? Have you ever dreamed about outperforming top athletes, overcoming injuries and other challenges, and coming out on top, surpassing anything your peers have ever done? Maybe you’re working to build an innovative company on your own, a firm that’s a leader in the industry you work in.

The solo effort is so tiring
Would it surprise you to hear that your dream is an old dream? You might not believe that this dream is void of truth unless you give it a shot. But, then you’d be welcoming frustration, that or you might finally awaken to the fact that you can’t win all by yourself.

Think about it, educators, scientists, entertainers, athletes and companies that succeed have large numbers of supporters. They have lots of people who get them word-of-mouth exposure, sharing information about their products, services and innovations.

More than that, people living victorious lives realize that we are all connected. They have given up the concept that they can win all by themselves, alone. They search for, recruit, accept and support talent. Giving others the chance to shine is part of their experience. They wouldn’t dare tell you that you can’t rise up or win.

Don’t wear yourself out turning down support
But, they know that you need the right resources or support. They know that you can’t win all by yourself. You need policies, guidelines, processes and procedures that take you to where you want to be. You need more than money. You need people who believe in you and what you’re trying to do.

Do you want to win? Get clear about your mission or purpose, as in why does your organization exist at all? Why? What are the by-laws or rules that will serve as boundaries or a path to keep you and each person at your organization on course to fulfilling your mission or purpose?

Build your talent. You need to know the specific resources (talent) you need to fulfill your mission or purpose. Not every organization needs the same talent or resources. Also, find the people who your mission or purpose serves. Develop processes that allow you to connect with these people frequently.

Give these people what they perceive that they need and you could gain long-term supporters. Value every resource at your disposal. Value every person your mission puts you in contact with. You can’t win without these people. You also can’t continue to fulfill your mission or purpose without these people. It’s these people who will help you to win; do it right, and you and your supporters will win together, not one loser among you.

Posted in Staying Motivated and Inspired | Tagged , | 1 Comment

Marketing Success Goals — Specialize or Go Big

By Rhonda Campbell

Found at ArtsandClassy

Found at ArtsandClassy

Last night’s research work clarified a successful marketing strategy. It surprised me to see that an audiophile review article had gotten more than 21 thousand social media shares. Who would think so many people are interested in old stereo systems?

What’s behind the content marketing success? The audiophile review article specializes. The topic isn’t broad. It’s narrowly focused. Specializing with marketing content (i.e. blog posts, images, videos) is an excellent way to get traffic.

Passion Turns Personal Specialties into Marketing Success

Passion is a must to succeed with a specialized marketing strategy. You simply must be passionate about the topic that you are investing  your time in. If you’re passionate about a topic you might:

  • Focus more on the depth of the content rather than search engine results for similar topics
  • Commit to uncovering rarely (or never before) shared material
  • Get to the core of the data
  • Feel like you didn’t put in your best effort when you generalize
  • Provide details that quickly educate, instruct or inspire

Why Specializing Works

Specializing works for marketing success because it speaks to people who are equally as passionate about topics that you are passionate about. Add keywords to your marketing content to attract these passionate folks, not to build out the content. Think of the keywords as a door knock, an effort to invite the right people over.

If you’ve ever worked as a content marketing strategist for an agency, you’ve probably written articles and landing pages across industries and markets. You may have written about auto repairs, sports heroes, healthcare initiatives, financial savings strategies, college degrees, stereo systems, computer software, hotels and legal services.

Are You Really Passionate About All Those Things

Even if you’re a talented marketing copywriter, that’s not specializing. It’s why some small businesses only work with marketing strategist who have an in-depth background in the products or services that they provide. People can tell when you’re passionate.

Other signs that you specialize with a certain type of marketing content are that you:

  • Only write about one to three topics at your blog or website. True specialization generally sees a person investing time in only one topic at their blog or website.
  • Visitors to your blog are highly educated about the topics that you cover. You can tell by the comments that they leave. Why? Their passion in the topic hasn’t just sprung up. They’ve been reading up on, researching and enjoying participating in activities related to the topic for years.
  • You share valuable information on a topic without having to conduct research. You’re simply that familiar with the topic.
  • Your website is a resource of choice for people researching the topic that you write about. For example, college students may refer to your website when writing a research paper.
  • You’re not trying to reach everybody, just the people who share your passion.
  • Sites like Buzzstream gravitate to your site, generating lots of inbound links for you

Big Path to Content Marketing Success

Don’t want to specialize, but want to attract thousands of readers? Try partnering with mega firms. Examples of this include running Facebook ads, targeting marketing content on Outbrain and/or distributing press releases through major agencies. You can also ghostwrite for major media brands like Forbes, Entrepreneur, the New York Times, Newsweek and Entertainment Weekly.

Look for major media brands that pay ghostwriters. Some top brands allow you to leave your picture, name and a short bio. Include your website URL in your bio, taking you out of the ghostwriting sphere. The upside is an increased income and more traffic for your content.

In addition to writing for major media brands, you can network, market and write for popular websites and top social networking hangouts. eBiz tracks the top social networking spots and  the most popular websites. Some of the spots might surprise you. Others certainly won’t. ComScore also ranks popular websites. These are websites that generate large audiences. Leave comments, seek out inbound links and engage writers, editors and publishers at these websites for partnerships.

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Signs of bad freelance writing jobs

By Rhonda Campbell

freelance writing jobs to change

Found at Lifeway

Not all freelance writing jobs are created equal. High rates for freelance writing jobs start at $100 per hour and go up. Average rates per hour, and these are for lower paying projects, start at $60 to $70 per hour.

Oddly, if you look at most jobs posted at writing job boards, you’ll see clients who demand quick turnarounds, top quality, thorough research, self-editing from writers and bulk work. Many of these clients want all of this for less than $15 an hour when you factor in editing and publishing at content management systems.

Signs that your freelance writing gig isn’t good
As a freelance writer, you’d be hard pressed to convince demanding clients that their pay rates are low. They simply wouldn’t believe you. Why? Many entrepreneurs who hire freelance writers do not know average, low and high rates that writers are regularly paid. Some may be familiar with rates paid for quality freelance writing jobs and just hope that you’re a writer they can take advantage of.

The following advice is shared based on personal experiences that I have had as a freelance writer. The advice is also shared based on personal experiences that other professionals working freelance writing jobs have shared with me, editors and other writers. Signs of a bad freelance writing gig are:

1) Freelance writing jobs that pay below average or below your experience levels are a definite sign of a bad gig. Do yourself a favor, and familiarize yourself with average, low and high paying rates. The Editorial Freelancers Association post rates for editors. Writers Market post rates for writers. Writers Guild of America provides contractual, payment and other resources for writers, namely script writers.

There are other organizations and websites that list pay rates for quality freelance writing jobs. Do your homework. You might be surprised to find that you have been attracted to gigs that pay on the low end. If this is a fact, it might be time to strengthen your writing experience, background or training. You definitely want to get out of the belief that you are only worth pennies.

2) You get paid absolutely nothing if an editor pushes your work back. Consider writing a kill fee into your contract, especially if you work on a project that chews up lots of your time.

3) A client doesn’t pay you enough to afford to work solely for her. Yet, this client wants you to write 20 or more pieces of web content, press releases, blog posts and video scripts each week, allowing you to only take on more work if you log over 40 hours a week.

4) You’re asked to edit a piece. Cool enough. But, the client hasn’t even read through what you sent her. The client simply wants more keywords or wants the keywords placed in the content differently. You do two rewrites only to hear a week later that the client wants you to do a complete rewrite on 10 or more pieces of content you’ve submitted (the very same content this very same client asked you to only change keywords in earlier). If you don’t do the third round of edits, the client says she won’t pay you. This is a no brainer. This is a bad freelance writing job.

5) Turnaround time for freelance writing jobs is so tight that there is no way that you can work at top levels. You may want to step away from these gigs if you ask the clients for more time and they say “no”.

6) Clients want you to market writing you do for them at your social media sites, blogs, etc. Unless you’re also getting paid to market for a client, don’t accept this extra work as part of your “must dos” as a freelance writer.

7) Freelance writing jobs that require one to two hours of research work and another 30 minutes of editing on top of the actual writing but that only pay low rates (none of the rates considering the research and editing time).

8) Frequently delayed or no payments. This one needs no explanation.

9) Muddied or unclear directions from clients. Examples of this could be new clients not providing samples of what they want, not answering your questions clearly or constantly changing directions that they give you.

It’s up to you to ensure that you get good freelance writing jobs. As a tenth tip, make sure that you get a good contract. It’s a good idea to include the number of edits you will do on a project before you must be paid. Don’t be scared to add or discuss new protections that you want included in a writing contract. Clients are protecting themselves. You should protect yourself as well.

Here’s to hoping that you heed the above advice and start landing better freelance writing jobs, the types of freelance writing jobs that earn you an attractive income. As you start looking for signs of bad freelance writing jobs, you could also steer clear of a bad experience. The last thing that you need is to waste your time on a gig that ends up paying pennies, damaging your reputation or not paying you at all.

Posted in Employment and Finding Jobs | Tagged , | 2 Comments