Archive for April, 2010
Finding a consultant for my business
For a few years now I have been looking to get into the world of business. I have a great idea, some collateral behind me and a huge desire to succeed. The only thing I am lacking in, is business acumen! It’s not that I don’t know what I am doing, I just haven’t ever looked after my own business before and I really feel like I need help to set this thing up.
I spoke to a few friends about my options, and quite a few people seemed to think that I would be able to find a business consultant online who could help me with the nitty gritty of setting something like this up. I started to have a look around by searching for business consultants, but all of the results I was getting seemed to be for incredibly expensive consultant companies who dealt with the likes of multi national corporations. I didn’t need anything like that – I am a one man band!
Luckily I eventually stumbled across a site which advertised freelancers for all different types of work. I started to browse the site and I soon came across a few consultants who didn’t seem to be charging an arm and a leg. I narrowed my decision down to two people, and I waited to see who could quote me the lowest price. Once this came through, I realised that this undercut the consultant companies price by eighty percent! Luckily for me I took the time to find someone affordable for my budget, and I am happy to say that the promotion of the new business is going better than I could ever have expected!
Don’t be a Debt Slouch
A debt slouch is someone who lets laziness put their financial health at risk. They either ignore growing debt problems or waste valuable time by putting off the treatment. This starts the spiral of bad debt and denial that leaves the slouch with limited options in terms of the debt solutions that are available. Whether it’s down to self-consciousness, fear or just being idle, the debt slouch will find that their inaction at an early stage leads to a lot more work when their situation gets worse. So, it makes no sense to put off the debt problem; it’s not going anywhere.
Being a debt slouch doesn’t help anyone either. After all, ignoring your debt won’t make it go away; it will just get worse. So, instead of doing the small things that can make a big difference early on, the debt slouch will procrastinate, put-off and leave themselves with just the most severe solutions later. The first thing you should do when you can see debt problems on the horizon is ask for help. It’s not hard but it can solve the problem of bad debt before it starts. Of course, the slouch doesn’t see this. They would rather ignore the problem, hoping that it will somehow solve itself. They’re too lazy to make the couple of clicks that would put them in touch with a specialist debt advisor, able to offer financial first aid at a stage where severe debt problems can be averted.
The debt slouch may be acting this way because they’re afraid. They hide their heads in the sand and hope that the problem will solve itself. It won’t. There’s no need to face it alone though. Don’t be a lazy debt slouch; get help and get debt healthy.
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