How to Accomplish a Credit Card Debt Management

Introduction
If you landed with this article by researching about credit card debt consolidation or credit card debt management, you probably have lots of credit cards you want to pay off and finally decided it is time to settle your credit card debts. Congratulations you just made the first step to financial freedom. Acknowledging that credit card debt is a huge problem is one of the most important tasks to become debt free. Here are few suggestions how to execute credit card debt management
Instructions
Difficulty: Challenging
Things You'll Need
job
money
extra source of income
Steps
1
Step One
List down all the credit cards you need to pay off. You can use Microsoft excel to keep track of your credit cards debts. Prioritize according to which one you need to pay off first. The one with the highest interest should be paid off first.
2
Step Two
Figure out a time frame when you want to be debt free. Be realistic and make your goal achievable.
3
Step Three
List down all your daily expenses; include all utilities from electricity, cell phone, gas, insurance, groceries and clothing. Find unnecessary expenses and get rid of it.
4
Step Four
Write down all your source of income and figure out ways how to increase your income. You can look for an extra job or write for a living. You can refer to my article how to retire early by looking for some dimes and use the extra money you find to pay off your debt.Finding extra source of income is a must otherwise you will be in debt forever.
5
Step Five
Now balance your debt and income ratio and see how much money is left every month that can be used to pay off your debt. You don’t necessarily need to pay off all your debt at once. But as long as you are starting to pay off at least one credit card at a time and to continue maintaining paying the minimum due every month then you are on the right tract.
6
Step Six
It will be good if you can find a credit card consolidation company that is willing to consolidate credit card bills for you. If not, just pay off one credit one at a time and continue paying off your minimum dues.
7
Step Seven
Paying the minimum balance a month will not help you pay off your credit card balance. You need to figure out ways to pay more than the minimum and set a time frame as to when you are going to pay off the entire credit card bill. Create a realistic plan how to pay off your debts and be vigilant to follow it.
8
Step Eight
Cut down expenses and prioritize to pay off credit card debt
9
Step Nine
If this plan is not suitable for your credit card debt management, find other credit card debts advice that will work for you. Each one of us has a unique situation and what works for me might not work for you. The important thing is being responsible and finding a solution to become debt free.

Expensive keywords

here is a list of the expensive keywords I found

As FEB 15,2009

Estimated Avg. CPC
Refinancing home mortgage $32.89
Student loan consolidation information $38.94
Consolidation loans $37.36
Life insurance 13.45
Google adsense $13.87
ad sense $13.06
Google ad $13.35
Search engine optimization $8.84
Joint life insurance $18.18
life insurance quote $32.12
life insurance no physical $25.71

Search for The Golden Article

This article is written in search of a Golden article for my blog. What does GOLDEN article means. It means an article that will generate more money regardless of the number of views.

Here are the few things that I think will make a Golden Article. You can leave a comment and let me know what are your ideas about a golden article.

1. Find Keywords that are priced high by advertiser. Even if you received only few clicks on your ads you can generate more income by a single click.

2. Find an article that talks about something expensive. The advertiser might be willing to pay more for a reason that they generate good income for every customers we bring to them.

3. Find an article that no one else has written yet or atleast only few people have written about it. It should be something that can make you on the top search engine.

4. I noticed that some of my articles make it to top few pages of the search engine without trying hard. I just post at ehow and Surprisingly I made it to number one. Google must really love ehow articles.

How to be On the first few pages of search engine

I published my articles at ehow.com and I noticed that some of my articles made it it to the top 5 pages of search engine just being hosted by ehow. I even made it #1. So in conclusion I think if you published your article to a popular website you have better chances of being listed on the first few pages of search engine.

My EHOW articles

Ehow so far is my best and easiest money making online resource.
Here are some articles I wrote @ E-how


02/08/09
How to Fight Depression

02/08/09
How to be Successful in Life

02/08/09
How to Save Money Wth Gas

02/07/09
How to Make Your Own Wedding Cupcakes

02/06/09
How to Quit Smoking Tips.A challege for you

02/06/09
How to Make Money with Adsense by Blogging

02/06/09
How to Relieve Stress

02/06/09
How to Survive Working Night Shifts

02/06/09
How to Save Money by Planting a Garden

02/05/09
How to Design Your Own Kitchen Cabinets


02/05/09
How to Quit Drinking Soda

02/05/09
How to Save Money Shopping by Being a Smart Shopper

02/05/09
How to Come Up With Great Topics to Write about for Ehow or for any other purposes

02/03/09
How to To Keep Your Bathroom Looks Clean. My TIPS

02/02/09
How to Survive First Year of Working as a Nurse

01/29/09
How to Do Self Studying for NCLEX.Just a TIP

How to Come Up With Great Topics to Write about for Ehow or for any other purposes

Keep a notebook handy with you all the time. Jot down ideas you stumble every day. I write mine on my cell phone notepad. It’s very handy and I carry it with me everyday.

1. You can write “HOW TO” Topics about everything you are inquisitive about. In our daily lives we always find something that we are eager for knowledge. From a simple things like how to clean, to a more complex ideas like how to build a boat. This is a perfect subject for everyone because you can earn while you learn.

2. Watch TV and while entertaining your self you can write something about remarkable ideas you grasp from the TV. It can be a better way of doing things, or just a simple reaction how to do things your way.

3. Read news. Some article from the news could possibly trigger a good idea to write about.

4. Think about your everyday chores and share with others your tips on how to make daily chores easier or any solution that you discover that can help to get the job done.

5. Cooking is a great topic since plenty of people look for ways how to improve their cuisine. Share your best recipe.

6. We frequently get asked for instructions how to do things. If someone asked you for information, chances are there are other people who might also be interested with the topic.

7. Sometimes a simple conversation with someone, visiting a place, driving, walking or any simple daily activities can trigger great ideas. Jot down whatever that comes across your mind and when you are ready to write browse your notes.

8. Go to https://adwords.google.com/select/KeywordToolExternal?defaultView=2 and search for how to and it will generate keywords that can tell you how many times a word has been search in a given month.

9. Most of us have given an advice to someone. It could range from solving a crisis in life to preparing big events. Write something about it, this way you can reached more people and other people will benefit from your advice.

10. Have you been successful in a particular field in your life or do you know anyone who made it on top or have great success stories? A lot of people will be interested to find out how to be successful in a particular field.

I hope the ideas are pouring by now. Have fun writing

Make Money By Blogging Is Not Easy

Biggest lesson learned with this undertaking is, to make money blogging is not easy. It is proper to say that you can truly make money by blogging but it takes a lot of work and you need to unwearyingly wait for your web traffic to become bigger. And that doesn’t mean you will just sit back and relax and wait. It means it necessitate hard work to make it happen. Keep updating your blog, writing more articles and promoting.

It is very disheartening; to the point you want to give up. Sometimes you will wonder if the time you spend blogging is worth it.

So when we say we want to blog because we enjoy doing it, it needs to come from the heart. It’s hard to make money by means of blogging. Its just like any other job that requires a lot from you. Although once it gets started I’m sure the benefit is bountiful.

So in the mean time I will keep blogging just to enhance my writing skill and hopefully Ill gain something from what I am doing. I’m pretty sure along the way I will find the very reason why I started blogging. I believe that everything happens for a reason and there should be a good reason why I was captivated blogging.

GOOGLE INDEXED MY BLOG

Finally google indexed my blog. Hooray!!!
It took almost a week or earlier before I was listed at google.
It means people can search me now on the Internet.


But oops, I cant find my website using the keywords I used for my site.
Therefore whats the point of being listed, if no one can find you anyway?

There are millions of articles on the Internet piling one after another,
The article might be at the bottom of the file.
Consequently, getting crawled by Google and being indexed is not enough. You need to make it on the first few pages of the search engine so people can find you.

Here is a way to check your page ranking

Check Page Rank of any web site pages instantly:

This free page rank checking tool is powered by Page Rank Checker service

I noticed that after google crawled my website. Evrytime I post a new topic on my website, it takes only few minutes for google to indexed my new topic. amazing :)

My money making blog experience

It’s only been few days since I started blogging about “Money with Blogging”. At first, I never take into account that you can actually make money online but here I am creating a blog that talks about making money online. I am the first person to find my blog valuable for the reason that all the essence of this blog is what I employ to make money with blogging. It’s like a mini journal or a guidebook for my new niche. And I hope other people can find this beneficial too.

Consequently you can essentially make money online. Making money online is not that effortless; it takes a lot of persistence, perseverance, hard work and takes a lot of your time. But its heartwarming and I think it’s educational.

To this point, I only have few dollars earned with this website and I cannot guarantee triumph to other people who decided to do the same thing. I am asking anyone reading this to do this at your own risk. This can be a gratifying experience for you or may be a waste of your time. Your benefits might extend to generating extra income or simply a learning process. It is entirely up to you. And I asked you not to trust this make money online thing with closed eyes. I have not received an actual earnings so I have nothing to guarantee other than this is fun and I am treating this experience like a money making game that I hope someday will lead me to generating income while sleeping. If not, then it’s a learning process. You have a lot to gain but nothing to loose.

Have fun making money with your blog!!

blog content to generate income

Our goal here is to make money blogging. When we write something in our blog, we need to have a focus subject hence the search engine will deliver us readers who are interested to our ads. We need to define well who we are looking forward to read our blogs.

Example, our topic is money making with blogging. Through out our blogs we need to use keywords that describe about how we make money with blogging, and avoid words that will confuse the search engine when indexing our blog that we are talking about other money issues.

The more unambiguous enticement you have out there—the more specific target to come. And if Google index our website right, we can catch the right reader we want. We will have visitors who are akin to make money with blogging. Since our blog contains ads relevant to the content of our blog, they will also be enthralled with your ads and you will be able to prompt them to take action and that is to click the ads.

We want search engine to become aware of our blog, but we also want the readers to see what the search engine finds about us. We need to be on the top list of the search engine so people can actually know we exist. There are a lot of improvements that can be done on content that will help a site rank higher in search engines. This is known as ' page optimization' or Search Engine Optimization’ (SEO).

SEO or Search engine optimization is done by learning how to choose your keywords and where to place them. In choosing the keywords for your site, think how the researcher will look for information, how they are going to type in the words to find what they are looking for. Choose keywords that are most likely to be searched. Use a keyword tool to also assist you with this. I attached a keyword tool generator link provided by Ad Sense.

Also don't forget to be certain to place unique and valuable content on your website so that your visitors will always come back to read more. The unique thing about my website is, it’s my own experience and the valuable content is the useful information I am sharing how to create a blog that makes money.

In terms of placing your keyword, always position your keywords in the title of your post, description of your website, and in the first and last paragraph of the text. You can increase the number of times using your keyword all throughout your article but don't overdo it since search engines might consider this spamming which may cause penalties if overdone.

The more blogs and websites you own, the more Ad Sense can be viewed, the more chances of getting clicks, the more money you make. And the more content you add, the more pages will be indexed, plenteous keywords will be generated, more Ad Sense to be viewed and that means more traffic, and more money in your bank account. It's simple, if you own 20 websites and each of them get 100 visitors a day, you have 2000 visitors per day.

Here is a useful tool in writing a blog adwords KeywordTool

website traffic for your blog

I will post here some articles how I tried to increase website traffic to generate income for my blog.

What is website traffic?
This is the number of people who come and visit your website, which is essential for the success of monetizing your blog.To monetize your blog (make money blogging), you need to have traffic interested with your subject, so that your chances of your ads getting click is greater. Simple the more people who comes to your site the more people to see the ads and increase the probability of your ads being click. the goal is to get more clicks.

Obviously, there are a lot of other ways to increase website traffic.but here are some ways I tried and I will let you know how it worked for me.

• creating a blog at friendster and yahoo 360 hoping that google will crawl their site and discover me. It is also a great way to inform my social network about the blogs I'm posting.
• I posted some pictures at HGTV.Com and wrote my web address for anyone interested to see more pictures of houses. My pics was viewed 100 times in 1 day @ rate my space and I've receive comments from that site few minutes after I posted some pictures, and more comments coming few days after posting. So I will keep posting pictures there at least once a week to be always on top or recently uploaded pictures. It only takes 2 days to be kicked off on the top 10 pages of recently uploaded pictures on that site. So many pictures are being uploaded everyday although I can see there is heavy traffic on that site.
• Well the obvious way to be discover by google is submitting your website to search engines like msn, yahoo, google, and I used yahoo organic where I've seen some traffic coming from that site already.
• Provide your Sitemap to google here: www.google.com/webmasters/tools/

It can take time to get more traffic coming to your site. Be persistent though and it will pay off. You will see return on your efforts. Google has lots of blogs that are indexed, Google loves blog!Be consistent with your blogging and stick to it. Everyday is recommended. Find something you love to write about, writing articles can bring many benefits that is sure to benefit you. You can learn, you can express your self, its fun and this time has an added bonus of generating income while having fun.

so stay tuned and I will update you with the latest development about my website traffic.

by the way I already saw traffic coming from Germany but still trying to figure out how he finds my site. I'm still new with Google analytics so I still need to learn how to navigate it.

I'm also starting to see traffic coming from friendster and the good news is, I finally saw an index from google and yahoo about my website. But it was about my yahoo 360 profile where you can read about the website I'm creating. Not the best index but its a start.

Also yahoo organic has sent 5 views to each of my website, I'm still trying to remember where is the site for yahoo organic.

Google finally found this site. It took less than a week to be indexed by google.

Don't worry I will talk more about google analytics and how to use it on my next post.

create a blog

I'm not willing to pay anything to something I'm not familiar with. This is an experiment anyway. So I research about free blog site and I found blogger.com https://www.blogger.com/

So I sign up and created a free blog

here are some of the blogs I created
http://sewingbyraldjq.blogspot.com/- its the first blog I created since I stumble about making money with blog because I was trying to find tutorial for sewing. I found Tutorial for making money instead. Well my goal is to come up with enough money through blogging to buy a sewing machine, some books and other sewing supplies. Its not cheap.

http://renovationbyraldjq.blogspot.com/ here is the second blog I created since I thought I already have the pictures from our renovation project, so might as well create a blog about it.

http://moneybyraldjq.blogspot.com/ a tutorial website to answer some of my friends questions how to make money blogging. With the recession going right now we all need to generate extra income. Even single penny counts

http://writingbyraldjq.blogspot.com/a website that will focus on writing to make a living.

I also have other website that I'm still trying to put together
nurse411.blogspot.com/
queenraldj.blogspot.com/
millionairebyraldjq.

and a book about Legend of Queen Raldj that is still not written


One thing about blogging is, its not easy to keep going unless it is your niche. So find something you are interested and focus talking about it.

Another thing about creating a blog that is intended to generate a money through AdSense, is you need to create a blog that has a focus topic and specific audience so you can create traffic that will be interested with your topic and attract people who might be interested with your ads. And since your ads will be related to your topic you have better chance of getting clicks to your ads and every click means money.

Adsense-make money blogging

I discovered that you can make money through blogging so I decided to Google "make money blogging." There are millions of information on the Internet and I found out that there is a certain element of truth about making money online . I usually don't believe all this thing, but now I'm willing to give it the benefit of the doubt.

So I read and read and read and found AdSense. Everybody was talking about AdSense and there are other things too that sounds legitimate like affiliating with eBay and amazon. So I Google AdSense. and here is the first to thing to come up with google

https://www.google.com/adsense

so I tried to read more about AdSense. I will edit this article later and include more information I learned about AdSense. In the mean time follow the link above and it will give you great information.

Of course I didn't sign up right away. I like to make some plan first.

next topic is creating a blog

Blogging

Recently I found out that some people in fact make money with blogging. So I decided to share my stories just in case other people will be interested on doing the same thing.

You have no idea how much time I spend on the Internet, either socializing, or trying to educate my self and take advantage of all the information the Internet has to offer, or sometimes I go online just to entertain my self with free movies I found.

Internet and computer is something I can’t live without. (Or maybe I will survive, but no, I don't want to live without it.) It is one of the best things that were ever discovered. I wished growing up I have a computer and Internet, I will probably be a better person, more successful in life and has lots of skills. If you wonder how to do something all you have to do is Google it. When you ask someone a question their answer is simply try to Google it.

As a child, it is one of my dreams that have come true, the solution to my ignorance. I thought it was magical. I always dream of having a book of knowledge that answers all my questions. I even try to collect how to do things article in a journal. I'm trying to make my own book of knowledge. Now I have it in my lap, a laptop and cable. Just type your question, viola!!! Google has the answer. Isn't magical? At one point I even use voice enhance thing so all I have to do is asked the computer and it will search for me.

I always wonder why there is so much information in the Internet. You need tips on how to do something just type the key word and you will find lots of information. From cooking, to how to put make up, even things you needed for work either its medical or technical the Internet has the answer.

Blogging became so popular too, and even if I'm not interested with the person who wrote the blog, some blogs has useful information that I need. So I wonder why people keep on sharing what they know by blogging. I thought people are just bored or people just simply want to brag their life or maybe they are really nice and want to share their experience or knowledge. Until lately I discovered that there is really money with blogging. So now I'm blogging too. :)

This news is probably not new to you. "Make money with blogging". I know I heard it before too, but I hesitated and just disregard the notions. I thought it will be hard, or maybe it’s a scam. Until I discovered Ad Sense by accident. I want to learn how to sew and was reading about some articles about sewing. Most of the information I found was from a blog. And I don't remember how I stumble about make money blogging but I was captivated.

I've been documenting information I come across on the Internet since way back I leaned how to type and use the computer. I always create like a tutorial book that I used for my self to help me navigate all information for my research. But I don't really like to blog because I thought it’s a waste of time and who will be interested in my life.

Now I discovered blogging makes money so why not try it. I always believe that there will be a time that I will be able to publish a book. So this is my chance. I get to publish something, even if I still lack the skill in writing...it’s an informal blog anyway. (I’m sure I will be good at this someday, practice makes perfect right). Then by means of blogging I will be able to teach, (which is one of my dreams), I will definitely learn a lot from my research , and the best part is I'm hoping to make money while asleep.

Oops don't get me wrong. This is not a get rich scam, and like any other job it takes a lot of patience, needs a lot of work and time. And just like anything it’s not for everybody. But still I like the idea that I can be wherever I want and get paid to do something that I'm already doing even before I learned about make money blogging.

Next topic is how I started