How to Advertise Your Company Online

Whether you sell clothing, vacuum pumps that use a thin film or any other type of product, you need to reach out to those shopping and looking for those products online. A large number of shoppers today make most or even all their purchases online because online shopping is much more convenient. They can order everything they want or need, enter a credit card number and have those items delivered to them in a few days or less. If you offer any of your products for sale online, you can use the web to advertise your company.

Become a Sponsor

Becoming a sponsor lets you advertise your products for sale every day. This works much in the same way that companies sponsor professional athletes. You agree to sponsor a blog and help with some of the overhead costs like the costs of paying writers to create blog posts and for the hosting of that blog. The owner of the blog will place a banner that links back to your site on the home page and include a link to your site on each new post. You can even sponsor specific posts made to different blogs.

Pay for Ads

Paying for ads is another way to advertise your online company or your website. It’s helpful to look for blogs relating to the products that you see. You can then contact the owners of those blogs and ask about running ads on the site. Most owners charge a rate based on the size or location of your ad on the site and how long you want it to run. Some ad companies charge a fee and will both create ads for you and find places online to run those ads.

Publish in Digital Magazines

One of the more unique ways to reach customers online is with digital magazines. A digital magazine is essentially a magazine that is available in a digital format. Customers can download a copy to an electronic device, flip through the pages, read articles and look at photos without wasting paper. Some of the newer digital magazines can link your site to your ad. This lets customers click on the link to more easily access and load your site. With digital magazines, paid ads that you run on sites and paying to sponsor blogs, you can appeal to and reach customers shopping online.

China’s Impact on the US Economy After the Liquefied Natural Gas Deal

The US and China have agreed to negotiate on the terms regarding liquefied natural gas or LNG. The arrangement would be the US exporting the supply to China which has been considered a huge deal for the States. LNG is a key product in the energy market growth with China being the largest consumer. This hails the US as the biggest exporter of natural gas which was never expected. The two nations settled in this massive investment that also drives the biggest economies to become more powerful.

Looking closely, liquefied natural gas has numerous purposes. These include heating, cooking, industrial applications and even extends to the generation of electricity. It is also a more efficient and eco-friendly option for transportation fuel. LNG has decreased Greenhouse gas emissions and NOx emissions which clearly reduces harmful environmental impact compared to other fuel such as oil and diesel. China used coal but has shifted to the natural gas alternative to clear its polluted skies due to haze. The country is only able to produce little amount of natural gas, thus, being dependent on other countries. China uses a majority of the gas products for automobiles. A number of cars in the country creates greater influence in any aspect that can be considered.

Aside from the US, imported LNG also come from Qatar and Australia which faced major challenges. It was quite difficult to bring the product to long distances due to the capacity of other country’s exports. Also, the high demands of China have resulted in shortage to the exporting country and it caused the halt of the trade. Moreover, this definitely has affected the country’s economy knowing that cutting off the exports is needed. This brings the US the larger share to export to China most especially when the users of LNG in the Southeast Asian country have been exponentially growing.

At the moment, China’s demand for liquefied natural gas is relatively helpful to the US economy. China is reliant on the US which means that there are wide amounts of opportunities that the US can deliver to China. This is quite beneficial since the US made a deal and the export process will continue for quite some time. Aside from China, India has also been expanding to the same path and being rich in the natural resources gives more positive outcome to the economy. The contract signed by China and the US is long-term however, it would still be limited since China is looking into becoming more self-sufficient in this aspect. China is already developing domestic means to acquire even if the country is still lacking in water and infrastructure. This US deal was a great steal from Russia since they won over the biggest exporter of natural gas. The disagreement with China and Russia involved the terms of the prices.

The US and China bilateral business relationship have been going on for quite some time. It started when China had their economic reforms which improved their country’s status and brought them to the spot as one of the most powerful economies. This event was right after China faced difficult challenges during the Sino-Japanese War in Nanking where violence prevailed. China stood up with the help of the US and the country has developed until the present times

Liquefied natural gas is an option to support clean energy specifically for developing nations like China. Being a huge nation requires more resources and with this, it greatly impacts both the US and China. The US supports the move of China to consider an environmental decision while receiving gains in their economy. For as long as the US is still able to export to the farther side and China wants it, this agreement is favorable between the nations.

The Best Way to Choose a Commercial Blender

Commercial blenders are used in a wide variety of industries. The companies that rely on these machines to make their products need to make sure that they do not break down. There are many different commercial blenders that are currently available. It is sometimes very difficult for business owners to decide which brand to buy. This is not a decision that should be taken lightly. This is because there is a popular misconception that the vast majority of commercial blenders are made with the same level of quality. Unfortunately, this is far from true. The following tips can be used by business owners during their search for a commercial blender.

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1. What sort of warranty does the blender have?

It goes without saying that a commercial blender will be forced to endure a great deal of stress on a daily basis. Therefore, it is very likely that the blender you buy will break down at some point in the future. All machines will need to be repaired eventually. This is something that is completely unavoidable regardless of how much routine maintenance that you perform on the machine. This is why it is so important for the blender to be covered by a warranty. This will remove the financial burden of the repair cost from you. Commercial blenders that are not covered by comprehensive warranties should be avoided. Carefully read the details of the warranty.

2. What is the capacity of the blender?

Companies will have different requirements when it comes to the capacity of their ribbon blenders. This is why it is so important for you to determine exactly how big you need your blenders to be. Companies with a large output will naturally need to have massive blenders that are capable of blending a big volume of materials. There are a wide variety of capacities available for blenders. You just need to be sure that you buy the right one to meet your company’s specific needs.

3. How much power does the blender have?

Some substances are extremely thick and will require a blender with a higher amount of power to blend them effectively. You should thoroughly research the amount of power that is contained by every blender that you are looking at. This will enable you to purchase a blender that is capable of mixing the materials you need without having any mechanical problems.

6 Things Which Your Elder Sibling Has Done For You

You have always been complaining that your elder sibling is a real beast because you parents love him more than you and he has always been you parent’s eye candy. He is considered to be having the best manners and is always A+ on everything that he sets out do, be it studies, sports or any other thing. He is the one who never takes alcohol, never even ends up late night partying and God forbid! There has been absolutely no mention of dating. But you are oblivious of the things which you brother has done it for you.


Your parents were always strict with your eldest sibling. It is because of the strict rules that they have set out in the beginning which gradually tends to mellow down gradually till the time you are born. Hence, you have never seen your brother having fun be it dating or something like flunking in exams.

Brother Sister Bond

No matter whether it was because of the glass which was broken with the latest shot that you had played, your elder sister was held responsible for it. If you flunk the exam, she had to hear scolding from mom and dad because they thought it was your sister’s responsibility to make sure that you study during your exams.

 

If you are yearning for a better cellphone than your elder sibling your wishes will be entertained by your parents because they don’t want to get into an argument with you and at the same time they automatically tend to lend a patient ear to what you have to say. They don’t consciously do it but it just happens.

 

Your elder siblings have done things on their own. They have never taken help from anybody and the mistakes that were committed by them which landed them up in a reasonable career, job and house will not be repeated in your case. Thus ensuring that you have the best of the things with you.

 

As older siblings, you tend to set higher standards for your younger siblings just to teach them that how one should have standards. No might have done it for them, hence they were always underperformers. But they felt that the same shouldn’t happen with you.

 

Generally, it is the older sibling who wouldn’t say a straight ‘No’ to anything that their parents have asked them to do and therefore, older siblings are generally asked to do all the grumpy work which you wouldn’t have even thought of doing in your dreams.

 

So for all the extra efforts that your siblings have put in, send rakhi thalis to them on the occasion of Rakshabandhan, so that they can celebrate the festival joyously. If you have trouble finding them then it is best to go for online shopping of rakhi thali to make the celebration a memorable one.

 

Tips For Maintaining Your Wardrobe

A large wardrobe is a huge investment.  Quality clothing tailored from natural fabrics with great fits and drape don’t come without a high price tag. Investing in such a wardrobe is the first step. Generally, quality wardrobes are built over years. Selecting class cuts and styles in the best quality available is the guiding principle for growing a large wardrobe. Taking care of these pieces is the next step.  Just as with any substantial investment, it’s so important to take care of items properly.

Most outwear garments, including jackets and sweaters only need to be hung out prior to storing. Provided there are no stains or loose threads, place garments on wide wood hangers and hang outdoors for several hours.  Never use wire hangers for any garments. The pieces can then be returned to the closet.  Sweaters are best laid flat on shelving or in drawers.  Too many folds will wrinkle and pull fibers in finely woven sweaters.

The two most damaging processes for fabrics are the chemicals in the dry cleaning process and the harsh heat of dryers.  Avoid taking clothing to the dry cleaner after just one wear. The chemicals will quickly break down fibers. Also know that chemicals from dry cleaners damage the ground water if not disposed of properly.  The high dry heat in traditional dryers is very damaging to garments.  The high heat stretches fabric out of shape. Never put sweaters in the dryer.  These should be hand washed and laid flat on a screen drying rack to avoid molding the knits to a hanger or line.

Always tend to any spots or mending necessary before storing clothing pieces.  When storing clothes that have been dry cleaned, never leave them in the plastic sheeting.  This will cause natural fibers to yellow.  Natural fibers need to breath and the plastic sheeting prevents this.

Pentagon Says Remains Vigilant on Security of Electronics Supply Chain

The Pentagon’s chief arms buyer on Tuesday issued a reminder that the US Defense Department remains watchful on the security of electronic components used in weapons, when asked about a $3.78 billion (roughly Rs. 24,698 crores) Chinese plan to invest in US data storage company Western Digital Corp.

Defense Undersecretary Frank Kendall did not comment specifically on the Chinese investment plan, announced last week by state-backed Tsinghua Holdings Co Ltd, to take a 15 percent stake in the US company.

But he said the Pentagon in general was keeping a close eye on possible risks to its supply chain.

“We’re generally concerned about supply chain security and reliability throughout our systems. There are a lot of things that we buy that could…bring with them things we don’t want in our systems,” he told reporters after an event hosted by news website Defense One.

Last week’s Western Digital deal follows Tsinghua’s $23 billion (roughly Rs. 1,50,284 crores) move to buy US chipmaker Micron Technology Inc as China ramps up efforts to develop chips expertise. But the Micron plan has been clouded by US security concerns – and some say the Western Digital may follow suit.

Western Digital hopes selling a minority stake will help it avoid rigorous regulatory scrutiny, but US experts say the deal will likely warrant a closer look by domestic authorities.

Jeff Bialos, a partner with law firm Sutherland, Asbill & Brennan, said the acquisition would likely require a “robust review” by the US government, given ongoing concerns about companies building “back doors” into weapons that use advanced electronics.

But he said the deal could win approval if mitigations were put in place to limit the influence of the potential Chinese investor.

“I expect they would undertake a robust review of this kind of case,” Bialos, a former senior Pentagon official, said. “The question is, is there risk to our weapons systems and our domestic infrastructure that rely on microelectronic components?”

Last Week’s Biggest Stock Movers

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Plenty of stocks go up and down in any given week. The gainers inspire us to keep investing. The decliners keep greed in check while reminding us about the risks of the equity markets.

Let’s go over some of last week’s best and worst performers.

Bellerophon Therapeutics (BLPH) — Up 59 percent last week

The market’s biggest gainer last week was once again a biotech company. Bellerophon took top honors after a study showed encouraging results for its pulmonary arterial hypertension treatment. The mid-stage clinical trials were effective for treating patients with high blood pressure.

Coca-Cola Bottling (COKE) — Up 14 percent last week

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Things got fizzy for Coca-Cola’s (KO) largest independent bottler after it spearheaded a consolidation plan. Coca-Cola Bottling struck a deal with Coca-Cola to purchase a few manufacturing facilities as well as some franchise distribution territories that it didn’t already own.

The new supply system will streamline domestic operations, and the market clearly likes what that means for Coca-Cola Bottling. It was also a good week for shares of Coca-Cola itself, but the world’s leading beverage company saw its stock only move 2 percent higher on the week.

Jabil Circuit (JBL) — Up 11 percent last week

Shares of the electronics manufacturer got charged up after it posted encouraging preliminary quarterly results. Jabil posted better-than-expected financials, and it also boosted its guidance for the current quarter.

Jabil’s strong report bodes well for Apple’s (AAPL) iPhone 6s. Jabil is a contract manufacturer for Apple components and its encouraging outlook suggests that Apple is ramping up its production.

Sientra (SIEN) — Down 50 percent last week

Investing in Sientra proved to be a bust last week after the maker of breast implants and breast tissue expanders was derailed overseas. The U.K.’s Medicines and Healthcare Products Regulatory Agency suspended certification of its Silimed-branded products in Europe.

Sientra sent a letter to its plastic surgeon clients, explaining that the move has no bearing on its stateside operations. Its products remain regulated and approved by the Food and Drug Administration, but investors clearly feel that the negative knock overseas could hurt sales closer to home.

Pier 1 Imports (PIR) — Down 23 percent last week

Shares of Pier 1 shed nearly a quarter of their value after the home furnishings retailer posted disappointing quarterly results. Sales rose a mere 3 percent since the prior year, and most of that growth has come from its online retail initiatives. Store activities — a combination of in-store sales and online orders either placed or picked up at the store — clocked in flat.

Pier 1 also saw margins contract as it ramped up promotional and clearance activities to eat away at its excessive inventory of outdoor furniture. Pier 1’s profit of 4 cents a share was a little more than half as much as analysts were expecting.

Caesars Entertainment (CZR) — Down 22 percent last week

Betting against the house continues to be the smartest wager when it comes to Caesars Entertainment. The casino operator took a hit after reports surfaced claiming that the casino operator was at an impasse with its creditors.

Caesars is trying to avoid filing for bankruptcy, just as it continued to defend the bankruptcy of one of its subsidiaries. Caesars has big plans of restructuring itself into a company that includes spinning off its real estate holdings into an income-producing real estate investment trust, or REIT, but it won’t get there on its own terms if it can’t get creditors to play along.

Motley Fool contributor Rick Munarriz has no position in any stocks mentioned. The Motley Fool owns and recommends Apple. The Motley Fool is short Caesars Entertainment and has the following options: long January 2016 $37 calls on Coca-Cola, short January 2016 $43 calls on Coca-Cola and short January 2016 $37 puts on Coca-Cola. The Motley Fool recommends Coca-Cola. Try any of our Foolish newsletter services free for 30 days. Check out our free report on one great stock to buy for 2015 and beyond.

Consumer Spending Rises in August; Core Inflation Firms

Economy GDP
WASHINGTON — U.S. consumer spending grew briskly in August and a key measure of inflation firmed a bit, signs of strength in America’s domestic economy that could lead the Federal Reserve to tighten interest rates despite weakness abroad.

The Commerce Department said Monday that consumer spending increased 0.4 percent after an upwardly revised 0.4 percent rise in July.

The figures give a bullish sign for economic growth in the third quarter.

“These data underscore the ongoing health of the consumer sector,” said John Hoff, an economist at RBS Securities.

The report could help convince investors of Fed Chair Janet Yellen’s view, most recently expressed on Thursday, that the economy was strong enough to warrant a rate increase this year. New York Fed President William Dudley also said Monday that a hike was likely this year and could come as soon as October.

Investors have been doubtful, with many betting that the Fed’s first rate increase in a decade won’t come until March.

But the U.S. dollar firmed following the consumer spending report, as did yields on U.S. government debt, signs that some investors were bringing forward their bets on a rate increase.

Economists polled by Reuters had forecast consumer spending rising 0.3 percent last month. Consumer spending accounts for more than two-thirds of U.S. economic activity.

It was the latest report indicating momentum in the economy as it confronted recent global financial markets turbulence, sparked by concerns over a slowing Chinese economy, which pushed the Fed to hold off hiking rates earlier in September.

The economy grew at a robust 3.9 percent annual rate in the second quarter.

Last month, spending on long-lasting goods such as automobiles increased 0.9 percent. Outlays on services like utilities rose 0.5 percent.

Personal income increased 0.3 percent in August.

Overall inflation remained muted, reflecting low oil prices. Inflation, which has persistently run below the Fed’s 2 percent target in annual terms, rose just 0.3 percent in August from the same month a year earlier.

However, prices were up 1.3 percent when excluding food and energy, a key metric used by the Fed to gauge the trend rate of inflation. In July, core prices rose 1.2 percent year-over-year.

Despite the positive signals for consumer spending, the U.S. housing market appeared to loose a step last month, with contracts to buy previously owned U.S. homes falling 1.4 percent.

8 Financial Mistakes to Avoid When Building a New Home

Caucasian couple admiring house under construction

Even if you love where you live, if you own a home that you purchased from someone else, you’ve probably looked around your house before and wondered: “What was the builder thinking?”

But not everyone goes that route. Plenty of people pay to have their home custom-built. In other words, some homeowners are the builder — or at least, they’re the ones pulling the strings and making the hard decisions on how small or big their residence should be and what features it should have.

And if that’s what you’re doing, you don’t want to look around your house someday and wonder: “What was the builder thinking?”

So if you’re spending money on a custom home, keep these eight things in mind.

Have the details in place before you start building. That means not just knowing how the floor plan will look but knowing how the rooms will be designed, says Jonathan Macias, a real estate broker and the president of the Macias Realty Group in El Segundo, California.

“Designing a house seems easy, but the amount of choices out there can be overwhelming for many. What color tile, what size, what pattern, will it match with the walls, what cabinets will go with this, what about the faucet?” Macias says. “All of these questions could be just for one small bathroom.”

In other words, you don’t want to be agonizing about how a bathroom should look and holding up your contractors. Speaking of which …

Hire the right people. It should go without saying, but let’s let Macias say it: “Do make sure you get all licensed contractors and professionals. Make sure they are properly insured and get references from past work.”

Don’t build too big. Sure, you may have a lot of stuff, and you might look longingly at mansions and want the same thing, but if that’s the route you want to take, then think long and hard about what you’re about to do. What may be right for you now may not be right for you in 10 years, or even next year.

“I meet potential clients in my office almost weekly who tell me, “We built a 6,000 square-foot home, but now we’re dying to downsize to something smaller. Most families don’t even need 5,000 square feet, and a home as small as 2,500 or 3,000 square feet won’t feel small if it’s designed properly, says Andy Stauffer, owner of Stauffer and Sons Construction, a homebuilder in Colorado Springs.

“A larger house is just more expensive and harder to maintain and clean,” Stauffer says. “According to the National Association of Home Builders, a custom home in the USA costs an average of $105 per square foot to build. That means by eliminating even 500 square feet in a home that you don’t need, you’ll save over $50,000.”

Think about the resale value now. Even if you never intend to sell your home, and plan to pass it to descendants, assume that you might sell it someday, Stauffer says.

“It’s simply a fact of life. Most of us don’t know for sure where we’ll be in 10 or 15 years, as much as we’d like to think we do,” he says. “I recently spoke to a real estate agent who had some clients that built a five-story custom home. They loved it, but when it was time to sell, they had to drop the price by tens of thousands of dollars and sell at a significant loss because nobody wanted to buy a five-story home and walk up and down the stairs all day long.”

So build your dream home, but don’t make it a nightmare for someone else, Stauffer advises: “Don’t go crazy.”

Keep your mortgage within reason. You can always add to your home later, creating the dream house when you can afford it, and build your realistic home now, suggests Joan Fradella, a family mediator in West Palm Beach, Florida.

When she built her home in 1998, she wanted to stick to keeping the mortgage balance low, and so Fradella was careful not to go, as Stauffer says, “crazy.” She was going to have a luxury kitchen and bathrooms built into her home, but she didn’t, settling for more modest layouts, reasoning that she could later.

“I also didn’t get the crown molding and French doors because I knew we could do that ourselves,” Fradella says. And, indeed, her mortgage remained reasonable.

But don’t sacrifice all of your amenities. Looking back, Fradella feels it might not have been a terrible idea to have included some of those “extras,” provided her mortgage hadn’t been too much higher. Because as it turned out, she says, “Life happens, your kid starts to play hockey; [goes] to private school, then college.”

She still hasn’t added any upgrades, and she’s been living in her home for 18 years.

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Yet, she stands by her advice. “You will be surprised how quickly a $200,000 home becomes $400,000 in upgrades,” she says.

Preventing your house from becoming an economical abyss means knowing what upgrades are “must haves,” says Brian Brunhofer, president of Meritus Custom Builders, a Chicago-area builder that specializes in custom homes. “For example, carpet can always be switched out to hardwood floors later, but a full basement is something you should decide on now,” he says.

Brunhofer also points out that lending now is relatively inexpensive. As long as you don’t go crazy, “it can be much more economic to stretch and plan for those features in your budget now,” he says.

Of course, it’s in every builder’s best interest if you do include those upgrades now, since that’s more money for the builder, but it doesn’t mean Brunhofer isn’t right.

Check in on the work. Keep the surprises for holiday gifts and birthday presents. Don’t get sucked into the idea that it would be fun to have someone drive you up to your new house, while blindfolded, so you can have a surprise unveiling — (as you may have seen on home improvement reality TV shows). Because you might wind up stuck with a big mortgage on a house you’re not thrilled with.

“Visit the site during construction,” advises Nicole Cannon, a residential architect based in Los Angeles. “Make sure things are matching your expectations and ask questions if they don’t. The worst option is to remain quiet and end up with something that you are unhappy with or have to pay to fix after the fact.”

Don’t let your dream home cloud your reality. Let’s end this on admittedly a bit of a downer — to prevent you from having an unhappy ending when building your own home.

Cannon warns that having a house custom built can be an amazing experience, but it can also be a stressful time, and no matter what you might be thinking, “it will not solve all of life’s challenges,” she says. “I’ve had more than one client who thought that building a new home would bring their significant other closer, and a new home would solve their marriage problems. It’s tragic when a home is completed and goes on the market immediately due to divorce.”

Ways to Make More Money to Pay Down Your Debt

Young Couple Discussing Personal Finances In Modern Kitchen
Are you swimming in debt and don’t know how you’re ever going to pay it off? You’re not alone. In fact, the average U.S. household has more than $15,000 in credit card debt, according to a 2014 NerdWallet analysis. If you’re looking for some easy ways to cut down your debt, follow the advice of these U.S. News My Money bloggers.

1. Create a Budget. “The first step to solving your debt problem is to establish a budget,” writes Money Crashers contributor David Bakke. You can usepersonal finance tools like Mint.com, or make your own Excel spreadsheet that includes your monthly income and expenses. Then scrutinize those budget categories to see where you can cut costs. “If you don’t scale back your spending, you’ll dig yourself into a deeper hole,” Bakke warns.

2. Pay off the most expensive debt first. Sort your credit card interest rates from highest to lowest, then tackle the card with the highest rate first. “By paying off the balance with the highest interest first, you increase your payment on the credit card with the highest annual percentage rate while continuing to make the minimum payment on the rest of your credit cards,” writes Mint.com spokeswoman Hitha Prabhakar.

3. Pay more than the minimum balance. To make a dent in your debt, you need to pay more than the minimum balance on your credit card statements each month. “Paying the minimum — usually 2 to 3 percent of the outstanding balance — only prolongs a debt payoff strategy,” Prabhakar writes. “Strengthen your commitment to pay everything off by making weekly, instead of monthly, payments.” Or if your minimum payment is $100, try doubling it and paying off $200 or more.

4. Take advantage of balance transfers.If you have a high-interest card with a balance that you’re confident you can pay off in a few months, Trent Hamm, founder of TheSimpleDollar.com, recommends moving the debt to a card that offers a zero-interest balance transfer. “You’ll need to pay off the debt before the balance transfer expires, or else you’re often hit with a much higher interest rate,” he warns. “If you do it carefully, you can save hundreds on interest this way.”

5. Halt your credit card spending. Want to stop accumulating debt? Remove all credit cards from your wallet, and leave them at home when you go shopping, advises WiseBread contributor Sabah Karimi. “Even if you earn cash back or other rewards with credit card purchases, stop spending with your credit cards until you have your finances under control,” she writes. 6. Put work bonuses toward debt.

If you receive a job bonus around the holidays or during the year, allocate that money toward your debt payoff plan. “Avoid the temptation to spend that bonus on a vacation or other luxury purchase,” Karimi writes. It’s more important to fix your financial situation than own the latest designer bag.

7. Delete credit card information from online stores. If you do a lot of online shopping at one retailer, you may have stored your credit card information on the site to make the checkout process easier. But that also makes it easier to charge items you don’t need. So clear that information. “If you’re paying for a recurring service, use a debit card issued from a major credit card service linked to your checking account,” Hamm writes.

8. Sell unwanted gifts and household items. Have any birthday gifts or old wedding presents collecting dust in your closet? Search through your home, and look for items you can sell on eBay or Craigslist. “Do some research to make sure you list these items at a fair and reasonable price,” Karimi writes. “Take quality photos, and write an attention-grabbing headline and description to sell the item as quickly as possible.” Any profits from sales should go toward your debt.

9. Change your habits. “Your daily habits and routines are the reason you got into this mess,” Hamm writes. “Spend some time thinking about how you spend money each day, each week and each month.” Do you really need your daily latte? Can you bring your lunch to work instead of buying it four times a week? Ask yourself: What can I change without sacrificing my lifestyle too much? 10. Reward yourself when you reach milestones.

You won’t pay down your debt any faster if you view it as a form of punishment. So reward yourself when you reach debt payoff goals. “The only way to completely pay off your credit card debt is to keep at it, and to do that, you must keep yourself motivated,” Bakke writes. Just make sure to reward yourself within reason. For example, instead of a weeklong vacation, plan a weekend camping trip. “If you aim to reduce your credit card debt from $10,000 to $5,000 in two months,” Bakke writes, “give yourself more than a pat on the back when you do it.”