Woman And Finances: How Your Debt Doesn’t Have to Be the End of You

Are you a woman who is in debt?  Whether you have debt solely from attending college, from credit cards, old medical bills, or a combination of them all, you may be scared, unsure, and frustrated.  In today’s society, with regularly rude calls from debt collectors, you may be feeling as if your debt is causing you to become insane.  Yes, it may seem like the end of the world, especially at first, but it is important to remember that your debt doesn’t have to the be the end of you.

As previously stated, a large number of debt-ridden women in the United States have problems with debt collectors calling at just about all hours, as well as having rude attitudes. The last thing that you will want to do is allow a debt collector to get you all worked up, no matter how they act or treat you.  If you feel that you cannot take it anymore, you do not have to.  At any point in time, when speaking to a debt collector, you can simply hang up the telephone.  More drastic approaches have been used by women including screening all telephone calls with the use of caller id or an answering machine.

Although you may not be interested in speaking with a debt collector, you may want to think about doing so.  Often times, you will find that debt collectors stop calling or at least reduce the number of calls that they place to you once they are able to at least speak with you. So, if you are feeling up to it, go ahead and answer that phone. Just be sure not to make any payment arrangements that you cannot keep. Also, be sure to check the statue of limitations in your state.  In some states, such as New York, the statue of limitations on when debt can be collected is six years.

Another one of the many reasons why debt is so stressful and such an issue for many women is because they feel helpless and hopeless when they are unable to pay their debt.  What you need to remember though is that there are always ways that you can go about working to pay off your debt, even if it is just a little bit at a time. It may seem silly, but paying off your debt, even if it is only twenty dollars here and there, is likely lessen the burden and stress that you currently feel.

If you would like to get out of debt, but you don’t know how, you may want to consider making an appointment with a debt reduction specialist or an accountant. While this professional assistance will cost you a little bit of money, upfront, it is well worth it for many women; women just like you.  That is because the professional assistance of debt reduction specialists and accountants may be able to help you get your life back on track.

Although the cost of seeking professional assistance is more than worth it, you may not necessarily have the money to spend. If that is the case, you can still work to get yourself out of debt and settle this stressful issue once and for all. What you are urged to do is examine your spending habits.  You may even want to record all of the purchases that you make during one weeks time. How many of those purchases can you live without, even just temporarily? As previously stated, paying off your debt, even in little increments, may be able to help reduce the stress often associated with unpaid debts.  So, even if you are only able to save two dollars on a soda each day, that should provide you with twenty dollars a week to put towards your debt.

In short, debt is an issue that many women must face and deal with each day. Although it may seem like it, debt doesn’t have to be the end of you, as outlined above.

Writing WAHMS

Working at home as a writer is one of the largest work at home categories. Being a freelance writer has traditionally been a work at home job, and now that working at home is becoming more popular, there have been more writers in the industry. If you like to write and have a good grasp of the English language, you will never be at a loss for the work at home writing jobs.

Starting your career as a work at home writer is as easy as doing some Internet research and applying for a job. There are many ways to break into the writing field, even if you have no previous experience. Online opportunities abound, and there are still many writers who stay exclusively in the print market.

While many writers dream of one day writing the great American novel, most writers are realistic in knowing that they are going to have to do some other types of writing to get paid on a consistent basis. Writing for pay is mostly, if not exclusively, done in the non-fiction genre. While occasionally you will find contests for fiction writing or for poetry, these opportunities are few and far between when compared to the non-fiction opportunities.

Writing from home as a Wahm requires that you have a reliable Internet connection, good written communication skills and the ability to be a self-starter. As a writer, you will be in charge of your time and your projects. There will always be deadlines to meet and new writing opportunities to try. You will be responsible for balancing your writing with the rest of your life. You must also have the ability to research a wide variety of topics. As you accept assignments, you’ll be challenged to learn about and write about topics that you may have little experience in. 

Freelance writing from home can break down into three specific areas: writing for print, writing for the web and blogging. Although blogging is technically writing for the web, there are many distinctions that make it different from other web writing opportunities.

Writing for print is what people generally think of when they hear the term “freelance writer.” Wahm writers who write for the print markets need to first build a reputation as reliable and eloquent writer. If you’ve never written for the print markets before, start with smaller, local publications and then work from there. You’ll need to find a list of publications that are accepting “queries.” Queries are a combination of a letter of introduction and a pitch for a story idea. Most writers rely on the Writer’s Market reference guide for lists of publications. The Writer’s Market has comprehensive information on a variety of newsletters, magazines and other publications that are taking queries. Start with topics that you know the most about and try writing a few queries to get yourself going in the print market.

The only drawback to writing for print is that the period between when you write and when you get paid can be months long. For many Wahms, this is just not feasible. Writing for the web, however, can meet their income needs and still allow them to write from home. There are many categories of writing for the web. You can be a ghostwriter for e-books or other Internet media. Many people need copywriters to provide content for their sales letters and websites. You can also offer your services to webmasters who need fresh content for their blog or newsletter. The opportunities are endless.

Blogging is yet another way to make money as a writing wahm. Blogs are an ever-growing form of Internet media. Blog writers generally provide their own content. You can make money as a wahm by starting your own blog and posting to it daily. If you love to write, you can start several blogs at once and multiply your earnings. Once you become an experienced blogger, you can apply for blogging jobs and post for other people.

Blogging Tips for WAHMs

Blogging is one of the best ways to start a Wahm business because it is so easy to get going. However, that does not mean that it is easy to make money from your blog. Don’t start a blog and expect to see money rolling in immediately. Blogging is an activity that will take time to build up to a profit level. It’s a good thing to start while you are working on other Wahm opportunities to let it build to a profitability level. With time and attention, your blog (or blogs) will grow into a business.

When you are blogging for profit, you’ll want to pay close attention to how you present yourself in your blog. There are literally hundreds of thousands of blogs out there, and there may be several hundred blogs that are related to your topic. If your readers can’t understand your blog and have trouble reading it, they’ll just move on to the next one. The following tips can make your blog more user-friendly and help you gain consistent readers.

First, pay close attention to the format of your blog. Readers want to understand how your blog works right from the start. Most blogging platforms have similar formats, with links and tags on the left or right margin, and the most recent post on top. Make sure to use the links wisely. Only put links up for blogs or content that is truly related to your blog’s topic. The point is to give your readers additional information on your topic. Keep the list short and sweet. There is no reason to overwhelm them with links to other sites.

Also, take careful consideration when choosing your blog’s background and font color. Although there are a lot of color choices that blogging programs offer, its best to stick with a light background and dark text. Studies have shown that the human brain can process this type of format better than light text on a dark background. Think about this before you commit to a black background and white text. It might look striking, but readers might not want to stay there for long. Also, use a solid background color instead of trying to use a pattern or design.

Proofread your entries before you post them to your blog. There is nothing that reduces your authority in the eyes of your readers’ more than bad spelling and grammar. The online world is a world of text, so take some time to learn commonly misspelled words and grammatical errors. 

Keep your blog fresh and interesting by posting at least once per day. With so much information available on the Internet, your readers may go elsewhere if you aren’t supplying daily content. If you aren’t sure what to write about, try posting a poll, a link to another blog, comment on a news story or post of list of helpful tips. Not every post has to be long and complicated, but you do need to post something everyday.

These tips will help keep your blog readable and interesting to your visitors. The more visitors you get, the more your blog will grow in profitability and importance. Just make sure to present yourself in a professional way and keep your readers coming back for more new content each day. In no time, you’ll have a profitable blog and then you can move on to create two or three.