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Everybody is continuously seeking to increase his income. Extra money can be put aside for when times are harder, or buy you those little luxuries.
There are many ways to earn extra money, some will only bring in a small amount, but even a relatively small amount can make a difference to the family budget. So here are the top 10 ways to increase your income in 2013. Explain to your boss why you deserve a raise and how much you think you’re worth. Include examples of how you’re making a difference. Sure, competition in the online world is rough, but one thing that makes a good site or blog stand apart is the dedication and enthusiasm of its writer. Major coffee equipment, like an espresso machine or a roaster, can be highly cost-prohibitive to buy outright.
So whether you’re looking to raise a little or a lot, here are some tips for how you can find the investment you need to make your business dreams a reality. It’s not just how much you need to buy, but also how much you’re going to earn, that you need to know. In terms of making plans, you should know everything you need to open your shop before you ever ask for funding.
Your business plan will also help you to make smart marketing and purchasing decisions, anticipate future problems, and stay focused on your goals. Whether it’s angel investors or bank loans, many people look for a one funding source, but this is a mistake.
What’s more, having these additional funding plans may help you to get your main piece of funding.
You might be reticent to ask friends and family members, but – if they can afford it – they should be one of the first people you ask. And after all, if people are going to benefit from your hard work, shouldn’t it be the ones you love? Loans are often people’s first choice of funding, but be aware that they’re not easy to get.

Sometimes, especially for a first time business loan, it’s helpful to have someone who’s willing to co-sign for the loan. Starting your own shop isn’t easy, and nor is it risk-free, but that doesn’t mean you can’t do it. Seek out multiple sources of funding and be determined to make it happen, even if that means funding it at least partly by yourself. And remember, determination and planning will take you much farther than finding the right source of funding ever will.
Saving the Family MoneyDIY, Recipes, Upcycling and Tips and Tricks To Saving The Family Money by Money Saving Expert Karen Rodriguez. May 21, 2013 by Karen This post may contain affiliate links, which means I earn a small commission if you click and make a purchase. Students from the Cleveland Chinese school collected 6,000 pounds of scrap metal to sell as part of their participation in the Schools-At-War Program, 1942-1943. In the present climate, this can be really tough, but it’s still possible if you know how to search. Look into learning some new skills, with more qualifications you can pursue a better career or get a promotion.
Look for something that has low set-up costs and treat it as a way to bring in a little extra.
You’re in for an extremely rewarding career – but you should also be prepared for a lot of hard work, a lot of planning, and lot of stress. Big ticket items are easy; whether you’re opening a cafe or a roaster, you’ve probably already got a basic list in your mind. After all, how can you organise a repayment schedule if you don’t know when you’ll have the money?
Investors, banks, and even your friends and family will be more willing to invest in your venture if you can explain these details to them. In short, a well-researched business plan is vital – and this holds true no matter where you’re applying for funds.
Financing even the smallest of coffee shops can be more expensive than you realize – and so you may need multiple investors.
Most banks will require a lot of information from you, and the requirements are probably different in each bank. It could be a family member or a friend – anyone who is willing to assume some of the risk to secure a loan.

There can be a variety of reasons why your loan might be rejected, and not all of them are within your control. Now this comes with a warning: you should never purchase something on a credit card if you’re not 100% sure you can make the repayments. It can be easy to get too deep into debt, especially if your business doesn’t achieve its anticipated growth.
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If you have skills that are in demand, look for offers giving you more responsibility and a higher pay. If you’re planning on taking out a loan, bankers will often expect you to invest some of your own money or have funds from other sources.
But as long as you can do that, you can use the card to make small purchases, and then pay it off gradually every month. Making it even more dangerous, business credit card limits are often much higher than personal credit card limits, and most credit card companies are eager to hand them out.
Everything a coffee aficionado needs, from stories relating to the specialty coffee industry to brewing guides, product reviews, and much more. If you can’t make your repayments, the bank will come to your co-signer seeking their money. Defaulting can have a major negative impact on your credit – not to mention you’re the rest of your life.
You don’t need a bank’s approval because they’ve already given it to you, and you don’t have to submit any sort of business plan (although I recommend you do have one!). Avoid taking out more than you can afford to pay off should you have to close your doors permanently. I’ve been married to my best friend for over 17 years and we have two wonderful children, a 13 year old boy and a 10 year old girl.

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