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How To Maximize Your Profit Promoting Affiliate Programs

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Promoting affiliate programs can provide you with a good extra income or even a full time income online.


To help you maximize your profit promoting affiliate programs, I've provided the following tips to help you successfully market your affiliate programs more effectively to your site's visitors.

1. Publish an e-zine.

Running an e-zine will allow you to run prime position ads for your affiliate programs in every issue you publish, and is the #1 way for you to follow up with your site's visitors.

You can also easily increase your commissions by sending out special announcements to your subscriber base whenever one of the affiliate programs you promote is offering a special bonus or a special limited time offer.

Once you build up your circulation you can further increase your profits by charging for ad space in your publication.

2. Use a pop up on your site that promotes your e-zine.

Using a pop up as a well as a subscription e-mail or form on your site can substantially increase the number of your visitors that subscribe to your publication.

Your pop up will draw your visitors' attention right to your e-zine, and if you offer your visitors free bonuses for subscribing to your e-zine such as free ebooks or free ads you can further increase the number of visitors who subscribe to your publication.

3. Offer free e-mail workshops (e-mail courses) to your visitors.

Making e-mail workshops will enable you to effectively promote one or several affiliate programs that offer products that relate to the subject of your workshop.

Many affiliate programs provide their affiliates with articles to post on their sites or run in their e-zines which you can use to successfully form the different parts of your workshop.

If you already write articles, you can easily use your own articles to form the different parts of your workshop and transform your articles into yet another powerful marketing tool.

To get the most out of your e-mail workshops, offer your workshops both on your site and by using a pop up, and use your workshops to increase subscriptions to your e-zine as well as repeat visitors your website.

4. Publish your articles on your site.

Posting your articles on your site is a great way to continually add content to your site and draw more repeat visitors.

To successfully use your articles to promote affiliate programs offer a free e-mail workshop in your resource box or use your resource box to promote your e-zine.

This will provide you with an effective way to successfully follow up with your prospects when your articles get published as well as when your visitors read your articles.

5. Offer free ebooks on your site.

Many affiliate programs provide their affiliates with ebooks they can rebrand with their unique affiliate URL and these can be used as an effective marketing tool.

The best way to promote your affiliate programs with ebooks, however, is to make your own ebooks.

If you write your own articles, you can create a unique promotional item by making an ebook compilation of your articles with links to affiliate programs you promote.

You can also create a best of compilation of your e-zine's top issues to drive more subscriptions to your publication or if you make e-mail workshops you can transform these into your ebooks content.

To further increase your profits, offer your ebooks as a free bonus or part of a free bonus for subscribing to your e-zine, and/or allow your visitors to rebrand your ebook with a link to their own business, affiliate program or opportunity.

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Finding Hot Selling Products to Sell

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In order to locate products that sell online, we need to understand what people already want to buy. Finding a good choice of idea or product is always accompanied by interfacing the demand for the product in the current market and the level of competition or market share that the product will be having in the long run.

“What should I sell? What products are hot selling? These are the questions most people are trying to find an answer in order for them to make the definite decision. And if we really want to know the answer to this question, our only choice is to do some research. There are all kinds of twists along the road that may lead you to think you have a high-demand idea. We must be able to understand and satisfy the need, wants and expectations of our customers on a certain product that they’re trying to buy. This three are called the basic needs or minimum requirements in a purchase. Needs are the basic reasons or the minimum requirements consumers are looking for in a product or service. They are called the qualifying or “gatekeeper” dimensions in a purchase. Wants are the determining dimensions among many choices. Expectations, on the other hand, are values or intangibles associated with a product or service. Expectations are actually part of “wants” but they become extremely important when products or services are not differentiated.

For example, in reading a logic book, university students look for the following: Relevant logic concepts use of simple language, easy to understand and affordable prices. These similar ideas can be applied to Internet Sales as well. After all, the Internet is just another place to sell products. The basic concept of demand is the same there as it is anywhere else, and has been all the time.

Now, the second thing that must be considered in finding “hot” products to sell are the level of competition or the market shares do your product will have. Market share or level of competition means the ratio of your brand sales versus the total market sales. While companies would naturally define its target competitors, it is actually the consumers who ultimately decide the competitive frame, or the list related products or services that consumers consider when exercising their purchasing power. We must therefore choose the market segment where we can have a potential leadership or at least a strong challenger role. Because the overriding objective of getting into this business is not just to satisfy the needs and wants of our customers but to do so profitably better than his competition. Otherwise, our competition will end up satisfying the customers better than our own interest.

Third factor to be considered in finding hot selling products is finding out the general interest level about the product. General interest in a product helps us to gauge where our demand and competition numbers fall into the big picture. Simply saying, if there isn’t much demand for the product, and there isn’t much competition, it would seem that it might not be good a good put up for sale. But the research doesn’t stop here; there is one last thing to be considered to exactly find the hot selling products that you’ve been looking for. We must also learn how others are advertising those products. If there are a good number of them doing so, it may mean that it’s a good product to get into. Coming to the last phase of the process is analyzing and evaluating all the information that has been collected. We have to look at all of the data we have collected on demand, competition, and advertising, and make decision as how they all balance out.

And here are several factors or aspects that must be measured: (a) not enough demand means not enough people are going to buy (b) too much competition means not enough of a profit to go around (c) too much advertising drives up the price of pay per click ads, and competition as well (d) not enough general interest, combined with low demand, means there may not be a good market even if there is competition trying to make the sales.


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How You Can Become a Super Affiliate

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The humdrum existence of going to the office day after day doing the usual 9-5 shift is a trying task for those who have lived all their lives doing so. This is why the convenience of doing work at home under amazingly flexible working hours is a dazzling prospect to them. Doing work at home that is as fulfilling as having a career working for a computer on the 19th floor of a skyscraper is already a possibility in these modern times. This is because the jungle-like network that is the internet has given birth to a business that has given some people practically new lives doing nothing but so.

This particular business allows people to work at home under flexible working hours. There is no boss to scream around putting pressure on everyone about the deadline at hand. There is no clutter of messy paperwork that needs to be completed the soonest possible time. Conveniences such as these are experienced by those who are into affiliate marketing, the newest way to earn money without having to go through all sorts of routine found in regular employment.

Those who have been in the business long enough can attest to the fact that it is a lucrative business indeed, one that can actually give people things that they could not possibly possess or experience under ordinary circumstances.

The business called affiliate marketing involves an affiliate’s promotion of a merchant’s website. Here the website owned by the affiliate is made to advertise and market the website of the merchant through the affiliate program that they run. Whenever someone clicks on the merchant’s website promoted by the one owned by the affiliate, the affiliate is given a commission. This is in recognition of his effort in helping the merchant make a sale.

The system involved in affiliate marketing seems easy, but it also takes a lot of diligence and perseverance for one to be able to penetrate it thoroughly. Those who want to get into this type of business should possess the necessary skills to be able tread through the industry with confidence and self-assurance. Still, other factors are needed by one to be able to really break in. Knowledge about the business at hand is very important as it dictates the actions that are to be done by people who are into it.

The leading figure in affiliate marketing is the super affiliate. He is basically an e-mail marketer who collects large databases of e-mail addresses through newsletters. Super affiliates are also those who know the business even better than affiliate managers as a result of their knowledge about the affiliate marketing industry inside out. Those who want to be super affiliates should know that becoming a super affiliate is not easy, because it takes a lot to be able to master the marketing craft.

Becoming a super affiliate means having one’s own website and autoresponder. These tools will help a lot in one’s facilitation of the business. Building one’s own list is another. Creating a loyal customer base and taking care of it is one secret that successful super affiliates have. Making good customer relations is also important if one wants to be a super affiliate to reckon with.

Continuing to market to the people on one’s list is another must if one wants to succeed as a super affiliate. Sending out quality content in lieu of ads is an advantage as products are marketed better whenever enough information is given about them.

Building traffic to one’s own site is also one of the most essential points in the affiliate marketing business. Making one’s affiliate links his own business will allow him to build a strong relationship with his customers, enabling him to market to them over and over again.

The most important thing one should remember if he wants to become a super affiliate is to treat affiliate marketing as a business first and foremost. If he is capable of doing this, then he will never have to go back to the humdrum existence of working the 9-5 shift. A career as a super affiliate in the business which will change his life forever could possibly take that unexciting job’s place.


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About Online Trading

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The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!

We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.

Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.

If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online.

You should also be aware that you don’t have a computer with Internet access attached to you. You won’t always have the ability to get online to make a trade. You need to be sure that you can call and speak with a broker if this is the case, using the online broker. This is true whether you are an advanced trader or a beginner.

It is also a good idea to go with an online brokerage company that has been around for a while. You won’t find one that has been in business for fifty years of course, but you can find a company that has been in business that long and now offers online trading.

Again, online trading is a beautiful thing – but it isn’t for everyone. Think carefully before you decide to do your trading online, and make sure that you really know what you are doing!


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Five Tips to Being an Affiliate Marketing Success

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By: Steve Tallamy
More often than not someone who is new to affiliate marketing thinks that by signing up to an affiliate program, grabbing a whole load of pretty banners and sending out some emails will guarantee their success.

Of course this just will not work, there is more than that to being a successful affiliate marketer otherwise we would all be lazing on a sun kissed beach enjoying the good life.

There are more ways of being a success at affiliate marketing than I will be mentioning here but by following these five tips you will be heading in the right direction.

Tip one is to find the right program. I know it seems obvious but I have been lured to web sites by a promise of one thing and when I have got there I am offered something completely unrelated, and what do I do? I click away from the site and go somewhere else.
So make sure that the affiliate programs you are promoting are related to your web site and the rest of your advertising and promotions.

Tip two is to over deliver by which I mean do not be like every other affiliate, stand out from the crowd and offer something special to your visitors. Give them a free gift or a trial offer to entice them to signing up for your list rather than someone other affiliate marketer. Do some research and check out other affiliates web sites and see how they are promoting the same or similar affiliate products or services and go at least one step further than them.

Tip three can take a bit of time and effort on your part but if you really want to be a successful affiliate marketer then that should be no hardship to you and you will reap the rewards of success later. Create and affiliate newsletter or blog, even better do both. There is no point in getting people to sign up for your list and then ignoring them, believe me they will forget you quicker than you think.

Keep in communication with your affiliate audience; they are your lifeline to being a successful affiliate marketer. By having a newsletter or blog you can still give them bits of information to keep them aware of who you are and how you can help them even at times when you have nothing new to sell to them.

Tip four again may seem obvious but many affiliate marketers forget or cannot be bothered to do it. Research, research and more research is the key to staying a successful affiliate marketer. Keep checking for new and better products and services to become an affiliate of, keep checking on what other affiliates are up to and keep checking for untapped niche markets that are related to what you are already promoting.

Stay ahead of your competition, do not be the last to jump onto the latest new hot thing.

Tip five is simple, keep doing tips one, two, three and four and you will become and stay a successful affiliate marketer. Us e these tips as the foundation stone to your affiliate business and you will be amazed at the rewards.

And this is the best affiliate program :



The Best Affiliate Program (Free and no risk)
Get Paid For Every Sale THEY Make!



Earn $33.95 per sale


Supper Affiliate $58.20 Affiliate Commission


$10 per month Affiliate Commission



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Resale Rights-money Making Machine

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Do you believe that you can make money-selling product, when you do not have the initial capital to buy the products that you intend on selling? How can someone possibly get product for free to sell on the web and make money? The answer does not require a PHD to figure out; going wholesale is the way to do this. When wholesale comes to mind the first thing mentioned is resale rights go to www.resale-right-profits.com.

The basic idea behind the resale right is for you to find out exactly what it is you plan on selling first and foremost, this will be your plan of action. Then you will need to have a place for you to sell the said items, this can be done on Internet auctions such as ebay. There is the possibility for you to have your stuff stored at the very place that you have purchased from.You may also run the business out of your home without the said auction sites. You will not be a sole business person in this endeavor however, as you are going to need the product to sell. This is where the wholesaler comes into play. When you can prove the business id and the proof of the eBay account you can easily get an account from the wholesaler to receive goods from them to sell online.

How this works is quite simple, you place the product on the market and set up the sale. This then will be sent to the wholesaler for approval, once you get the approval of the sale it shall commence. The likelihood of you having the space to keep a large amount of the product in your home, of course depending on what you are selling. There is the possibility for you to have your stuff stored at the very place that you have purchased from. This no doubt ably will come at a cost; it will be minimal however as the product is already there in the first place. This will be on more of a percentage basis than a fee or charge. If you think about it you are buying from a wholesaler anyhow, spending a little on storage by way of a percentage is a small price to pay. It would cost you far more to rent out space to store the goods that you are selling. For more help visit www.plr-vodoo.com

So when you sell the product to a client, you will in turn pay for the goods sold, pay the percentage for the storage and what ever is left belongs to you. This is an excellent way for you to develop a great relationship with the wholesaler, and get a business off the ground and successful. So as you can see, getting on the resale right bandwagon is clearly the way to go when starting a new Internet sales business.




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Make Money Investing in Gold Coins

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Krugerrands are gold coins that were first minted and issued in 1967, and have been produced every year since. They are legal tender in South Africa but because of far sighted attitudes from their makers they have been imported into many countries without import taxes, duty or VAT. This has made them easily available at good prices over the intrinsic value of the gold they are made from, and therefore an attractive proposition for private gold investors.

Originally, only one size was issued, which contained one full troy ounce (31.1035 grams) of fine gold. These coins were the original Krugerrand, or Kruger, for short. From 1980, three other sizes were introduced, namely a half, quarter, and tenth ounce size. Because of these new additions, the original Krugerrand is sometimes referred to as a “full” or “one ounce” Kruger.

One of the best ways to purchase gold coins such as Krugerrands is on

Ebay. Their auctions always prove that point that the value of a coin is only what is buyer is willing to pay for it, and on eBay it gets right down to the real action. Using EBay or sites like www.buycheapgoldcoins.com it is easy to search for the coins you wish to acquire. Just type whatever you want in the search box, or browse using the menus and you will view all the auctions related to the coin.

Of course, its very safe to buy Krugerrands on Ebay as long as you take the proper precautions. There are many ways buyers are protected, but the best way to determine if a dealer or individual are reputable is to look at their feedback score and you can also view the comments previous customers have left for the seller. Beacuse you are buying gold coins I would recommend that you only buy from dealers with 100% feedback, but you have to take everything into consideration. If a seller has a feedback score of less than 100% he still may be a reputable dealer. Look at the total comments left in the upper right hand corner of the auction page.

Krugers are a very attractive proposition for private investors, especially with today’s soaring gold price! The Kruger was originally made available to world bullion dealers at a 3% premium over the prevailing gold price, so that after distribution costs, the coins would be available to investors in quantity at about 4% to 5% over intrinsic gold values, and possibly 10% premium for single pieces. This means that you will generally pay a higher price from a dealer than you will from EBay – and remember you shouldn’t be concerned about the aesthetics of the coin – its value is in the gold it contains, not how it looks!

With today’s rapidly rising gold price and turbulent stock markets, coins such as The Krugerrand are a very safe long term investment for individuals. For example if you had bought a Krugerrand on the first of January 2008 it would have cost you around $846 – the same coin is now worth over $1000 just 6 months later, and predicted to go as high as $1100 by the end of the year – that’s a whopping 30% growth for the year.



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The mother of all affiliate programs!

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You’ve been waiting for a long time and finally its here- an affiliate program that will blow all the others out of the water!

The already popular TheSecondTier affiliate training center has undergone a complete information and visual makeover.

As an affiliate you’ll get more tools and they’ll be more powerful than ever. This translates directly into cha-ching! Here are just a few things that make this affiliate program the most effective affiliate program out there:

• Huge commissions on both first AND second tier sales!!! • Product tools for all types of affiliates.
• Full training center with access hours of video and audio training.
• Live affiliate manager blog where you can get your affiliate questions answered.
• Weekly live training calls (every monday morning!!!)

Russell Brunson's unique philosophy that affiliates should be provided not only with powerful tools but the knowledge to use them has pushed

TheSecondTier to the top of competing programs. Russell has taken affiliate training to a whole new level. He understands that he can have hundreds of affiliates that don’t know what they are doing and get decent sales OR he can give them the knowledge and tools they need to create explosive amounts of money AND share with them a very generous portion of the profits from each sale they generate!

Here are just a few of the things that you'll learn inside of TheSecondTier:

• How to choose the right product for you to promote - One of the biggest mistakes that almost all affiliates make when they first start out, is that they try to promote too many things at once. This video will show you exactly how to choose the right one or two products that will make you the most money.
• How to set up an "Affiliate Squeeze" page - Less then 2% of all affiliates use this powerful technique, but after you implement it into your affiliate promotions, you will see your commissions grow exponentially.

• How to drive targeted traffic to your "Affiliate Squeeze" pages for FREE - Once you learn this simple (and free) concept on how to drive traffic to your "Affiliate Squeeze" pages, you will be able to start literally writing your own paychecks.

• How to build an huge targeted opt-in mailing list - You will learn how easy it is to build an opt-in list, and use that to exponentially increase your affiliate commissions EVERY week!
• How to strategically place "Affiliate Land Mines" and watch your profits EXPLODE! - Follow this one simple strategy and you will start getting checks in the mail every month!

• How to dominate your Pay Per Click ad campaigns - It's very powerful if you learn how to do it right. This video will walk you through the process to get high converting PPC ads! • How to use teleseminars to close ten times the clients in 1/2 the time - One of the secrets to selling a lot of products as an affiliate quickly is doing teleseminars. I was nervous when I did my first few, but now I can't stop because every time I do one, my affiliate checks from that day are anywhere from $2,000 - $15,000 (and it's a lot easier then you'd think).

• How to broker JV deals and make a fortune on your 2nd tier - Many of our affiliates earn thousands of dollars each month from the efforts of others. These videos will show you exactly how they find super affiliates to add to their second tier. • How to protect your commissions from thieves while increasing your conversions - One of the number one concerns that affiliates have are people stealing their commissions. You will learn the techniques that will protect your links and also guarantee that even the worst thieves will gladly give you their commissions instead of keeping it for themselves.

• and a whole lot more....

Russell does not discriminate against less experienced affiliates. In fact, he’s already taken countless numbers of people from knowing 0 to being listed among his top affiliates. It is so effective that some people actually pay to sell products for him!

The products Russell puts out are of top quality and always in demand. In fact, people call his office months before products are ready just begging to know when they can get their hands on them.

Combine this with all the promotional and training tools Russell provides and you’re already half way to making serious affiliate commissions. The other half will be done when you take advantage of this once-in-a-lifetime opportunity!



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TheSecondTier is a free affiliate training center for those interested in learning how to make money online as an affiliate marketer. You can get your free account today by registering at: www.thesecondtier.com
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Spend Wisely to Save Money

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Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to creep up and up.

All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.

There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.

For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that.

Set aside some space in your home and make a list of things that you use regularly which will not spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into so keep that in mind.

Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.

You will be surprised at how much you can save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container.

You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically.

Try to acquire and keep a two year supply of these items and you can save hundreds of dollars.

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Rebates – Reward or Rip Off?

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Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.

I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals.

The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.

Rule #1. Rebates from reputable companies are usually just fine.

You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.

Rule #2. Check rebate expiration dates.

Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.

Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.

Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.

Rule #4. Back up your rebate claim.

Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.

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Indonesia's 40 Richest

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The net worth of our wealthiest Indonesians has taken a beating.

FORBES ASIA closes out our annual coverage of Asia's wealthiest tycoons on a low note. The total worth for all 480 tycoons fell to $779 billion, from $940 billion, despite the fact that we added an additional list of 40 Richest. Fortunes in Indonesia have collapsed with the global economy, pushed down by a dismal stock market, off 54% since last year; plunging commodity prices; and a weak rupiah, which lost nearly a quarter of its value in the past year.

The central bank established more stringent currency controls in November to limit speculation after the rupiah hit a decade low. No surprise then that the nation's 40 Richest and their families are now worth a total of $21 billion, down from $40 billion. Fourteen have lost more than half of their fortunes, including former billionaires Aburizal Bakrie and Eka Tjipta Widjaja. There are only 7 billionaires, down from 11 in 2007. Two of the 40 added to their fortunes, but the gains had more to do with information gathering than appreciation of assets.

The list's three newcomers all took coal companies public this year. Low Tuck Kwong listed pt Bayan Resources. Garibaldi Thohir and Theodore Rachmat are both directors of coal producer Adaro Energy, which listed in July in Indonesia's largest IPO to date. Adaro had been at the center of a legal fight between two other rich listers, Edwin Soeryadjaya and Sukanto Tanoto, who lost control of the company after defaulting on a loan. Still Tanoto reclaims the No. 1 rank, despite a $2.7 billion drop in net worth.

Tobacco executive Rachman Halim died in July. The fortune, which was shared with his five siblings, is now listed under the family's name, Wonowidjojo. Three members of last year's list failed to make the cut, despite the fact that the minimum net worth fell to $55 million from $120 million.

Net worths were calculated using Nov. 28 stock prices and exchange rates. Privately held companies were valued by comparing them with similar publicly traded companies. This ranking, unlike the Forbes Billionaires list, includes family fortunes like the one belonging to Anthoni Salim and his family as well as individual ones like that of Martua Sitorus.



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Avoiding Impulse Spending

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Answer these questions truthfully:

  1. Does your spouse or partner complain that you spend too much money?
  2. Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?
  3. Do you have more shoes and clothes in your closet than you could ever possibly wear?
  4. Do you own every new gadget before it has time to collect dust on a retailer’s shelf?
  5. Do you buy things you didn’t know you wanted until you saw them on display in a store?
If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.




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