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dealing with debt and a financially irresponsible spouse


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dealing with debt and a financially irresponsible spouse

I am married to a man that isn't exactly financially responsible. When he finds something that he wants, he will do whatever is necessary to buy it. This has caused us a lot of debt over the years. What can you do when you are married to someone that doesn't take being in debt seriously? How do you approach him or her about their spending habits? I have worked with a financial professional to learn how to manage my money, how to discuss our money problems with my husband and to learn how to reduce my debt as quickly as possible. Find all this information and more here on my blog.

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3 Services Every New Entrepreneur Should Outsource

Are you launching your own business? If so, this is probably an exciting time. While business ownership can be challenging, it can also be extremely fulfilling. You get the opportunity to run your business your way and possibly even make money doing something you love. If you can scale your business, you may even be able to make a substantial amount of money or even sell it someday to fund your retirement.

Of course, one of the biggest challenges in business ownership is figuring out how best to spend your time. There are only so many hours in the day and only so much of you to go around. Fortunately, you can outsource some tasks so you can focus on your most important work. Below are three tasks that you should consider outsourcing from day one:

Simple administrative tasks. In a perfect world, you'd hire an assistant to reply to emails, do research, manage your schedule, and other simple tasks. However, you may not have the financial capacity yet to hire a full-time employee. You may want to consider a virtual assistant. These are assistants who work from home and can be hired on a part-time basis. Your relationship exists online and you only pay for the work that you need.

You can use your virtual assistant to do research, reply to messages, or perform a wide range of other tasks. Some even provide help with marketing and social media. With these mundane tasks off your plate, you can focus on more profitable activities.

Social media. Social media offers an exciting avenue to connect directly with your target market. However, it takes time and effort to build a social media following. If you're building your business, you may not have time to focus on crafting daily social media messages.

Consider hiring a social media specialist to handle your accounts. They can focus on finding the right message and tone for your market, and they can automate your messaging so you don't have to worry about it. You connect with potential new customers without taking time out of your day.

Accounting. Accounting and bookkeeping may be two of the most important functions in your new business. It's impossible to tell whether you're profitable or on the right track if you don't have accurate financial records. Accounting is also a highly specialized skill that can be very time consuming.

Consider hiring accounting services to prepare your books and financial records. They also may be able to provide expertise on things like cash flow management and smart growth. Your accountant may end up being one of your most trusted advisers.

Ready to get your business off the ground? Hire some solid outside providers to take some of the work off your plate. Start with a local accountant and then consider a virtual assistant and other resources.