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Taking advantage of this increased spending habit of people, financial institutions have [link widoczny dla zalogowanych] come up with ways and means for people to easily access their money and spend it. They have enabled people to issue check payments; made it easy to encash checks and exchange currencies; made automated teller machines (ATMs) [link widoczny dla zalogowanych] available almost everywhere; and made credit payments possible with the use of credit cards.

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To get your debt under control, your goal is to increase your savings. Accumulate enough savings every month which you can use to gradually pay off your debt within a target period of time.

So as soon as your monthly income comes in, set aside money for savings. In other words, pay yourself first. Start with a comfortable percentage such as 5% of your monthly income. [link widoczny dla zalogowanych] You can [link widoczny dla zalogowanych] increase the percentage later when [link widoczny dla zalogowanych] you have adjusted to an even simpler lifestyle. Initially, these savings are meant to pay off your credit [link widoczny dla zalogowanych] card debt and to accumulate some emergency funds for unexpected events like unemployment, illness, etc. Eventually, you can also set aside savings for your retirement plans as well.

Next step is to review all your expenses. How much do you usually spend for needs like grocery, gas, bills, mortgage, etc.? How much do you spend for vacations, shopping, relaxation, and others? Distinguish the needs from the wants. Plan an acceptable level of expenditure for each need and minimize expenditures on unnecessary items.

Finally, stick to your budget. Downgrade your lifestyle and strive to live more simply.

Planning is futile if not translated into action. You have the power to save yourself from the financial pit you have put yourself in. Start doing something about it now.

cekyophr5 · Posted: Fri 16:58, 06 Sep 2013 Post subject:

Sending corporate Christmas cards is a long standing tradition of taking the time to thank customers and associates during the holiday season. Recently, the use of digital alternatives to traditional physical holiday cards [link widoczny dla zalogowanych] has proven to be a very cost effective way of continuing this [link widoczny dla zalogowanych] corporate tradition. There are two primary ways to accomplish the gesture of sending corporate ecards during the Christmas season.

The first way to create a corporate Christmas card is to enlist the services of an online greeting card producer. By selecting from a number of online service providers, businesses can personalize an ecard that is then distributed to a client email list for delivery of a link back to the holiday greeting. There are benefits and [link widoczny dla zalogowanych] draw backs to following this method. If a business is planning to send out a large number of emails, many online greeting card services will require a membership or fee. There is also the potential that some online greeting card companies will include advertising in the periphery of electronic cards as a way for them to offset costs. This may give an [link widoczny dla zalogowanych] unexpected impression of one's business if the enlisted service requires receivers to enter information or bombards them with advertisement when retrieving the card.

Benefits to using an established online greeting card company's services include the fact that templates and creation wizards will make the production and personalization of a well designed ecard [link widoczny dla zalogowanych] very easy to achieve. Be sure to research the ecard receiver experience associated with a chosen Christmas ecard service before designing and fully distributing the card. The Christmas ecard should be a holiday reminder that improves or supports one's image so it is valuable to pay special attention to the details of the receiver's experience when proceeding.

The alternative to using an established online ecard [link widoczny dla zalogowanych] distributor is to craft the card in house. For companies with [link widoczny dla zalogowanych] a large creative department that can handle such a task, this could be a more reasonable solution. However, one can also use common productivity programs to create the holiday ecard [link widoczny dla zalogowanych] if there is a lack of graphic design staff available for this venture. [link widoczny dla zalogowanych] By using PowerPoint, one can create an animated and personalized card fairly simply. PowerPoint has templates included for this particular task. [link widoczny dla zalogowanych] One can also choose to simply create a series of slides and then set the automation functions to play the series in a time sequence that gives the illusion of simple animation. By selecting to make the ecard using PowerPoint, one has full [link widoczny dla zalogowanych] creative ability without being limited to third [link widoczny dla zalogowanych] party templates.

Selecting to make the card in house can create a problem when it comes to distribution. Emailing a large list of people a file containing automatic execution properties is going to catch the attention of many email anti-spamming filters. Unfortunately, a kind gesture looks suspicious to the non-context related filter of an email account. Instead, consider hosting the card on one's corporate website then distributing an email with a personal message and link.

Trevor Richards writes for Extravision (www.extravision.com), creators of stylish corporate christmas ecards.

Trevor Richards writes for Extravision ( creators of stylish corporate christmas ecards.
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