Recent Posts

Ethereum vs. Ripple Trading

By Ashutosh Jha → Thursday, December 1, 2022
The list of top crypto assets includes coins such as Bitcoin, Ethereum, BNB, Tether and many others, including XRP. Ripple XRP is one of the most traded digital coins, and we would like to compare it with the second asset in the ranking - Ethereum.



Ripple is a network that operates in the financial market and is used by financial companies, developers and individuals. The platform offers the XRP token that enables speedy, secure and cheap payments across the globe, making a worthy competition to the outdated SWIFT system.

Some facts about Ripple:

  • Ripple coin price is $0.38 (end of November 2022)
  • Payments on the Ripple network are completed within 2 - 3 seconds
  • The network performs 1,500 transactions per second
  • Low transaction fee - $0.0002 per operation
  • Energy Efficiency Network

The Ripple network is used by banks and financial companies. With the XRP token, they can issue crypto assets they can control and manage, facilitating payment processes and offering cheaper and faster transfers for their clients.

App developers use Ripple ledger to create and deploy blockchain products.
Individuals use the XRP token as a faster and cheaper option for money transfers at any point in the globe.

Ripple vs Ethereum: the Difference of Purpose and Application

The Ethereum network was designed as a decentralized solution for developers where they could build and deploy apps, NFTs, blockchain games and other products within being dependent on any centralized body. Based on Ethereum, developers create new tokens and share ideas while working on the products.

We can say Ethereum was created by rival financial institutions and offers a better option for developers to meet, create and work together. On the contrary, the Ripple network is meant to improve those institutions, bringing their services to a brand new level. Ripple brings blockchain technology to financial establishments, allowing them to improve their processes and provide faster and more efficient transactions. Ethereum rivals financial institutions while Ripple cooperates with them. That is the main difference between Ripple and Ethereum technology and purpose.

The Ethereum price is much higher than XRP price - as of late November 2022, $1,201. You can buy Ripple and Ethereum crypto on the WhiteBIT exchange. In addition, the WhiteBIT blog offers many interesting articles for you to read and learn more about these crypto assets.

5 Great Ways to Use Online Resume Builder In Blogging

By Ashutosh Jha → Saturday, November 26, 2022
There have been so many developments when it comes to blogging. It started with sharing your personal thoughts, to money making businesses and now it can be used to find employment. A lot of employers will check out potential candidates online. This can be done on your social media platforms or even a blog. When you look at WordPress, you can find a plugin designed to help you create a resume.

5 Great Ways to Use Online Resume Builder In Blogging
[5 Great Ways to Use Online Resume Builder In Blogging]
A resume online builder is a perfect tool to use when you want to create a nurse resume that is professional and has the accepted format. A lot less thinking has to go into the structure of the resume. Using these types of resume builders is going to allow you to add information that is required and leave out those aspects that just take up space. Find the best resume builder for your needs and add your information. It’s as simple as that. There are other great ways you can use an online resume builder.

5 ways to use online resume builder in blogging

Here are the tips using which you can use online resume builder in your blogging career.

1. Widgets

When someone is visiting your blog, you can create widgets to remind them to check out your resume. This is done in an underwhelming fashion and leave control with the reader. You can hide your actual resume, but simply have a clickable icon displayed in case someone would like to hire you. It is something often missed, but it can have great potential. When you create a widget, it will automatically appear on every page. If someone is looking for resumes for nurses and your blog is about nursing, it is a perfect opportunity to add a resume.

2. Add to menu

What is great about an online resume builder on a blog is that you have full control. You decide who gets to see your resume and who doesn’t. If you would like it to be seen by as many of your blog visitors as possible, add it to the top menu. This is easily done and would work the same way as adding a new page. It’s uncomplicated, but your resume will see a lot more people if done in this way.

3. Use the guides

Every resume builder will give you some kind of guidelines and suggestions to up your chances of success. You want to be able to use these guidelines as they were created for the plugin. When you look at the tips on the plugin, you will notice a trend and these are based on success rates. Do not skip this step and at least read through some of these suggestions.

4. Include keywords

If you have been blogging for a while, you understand the power of keywords. Do not exclude these from your resume itself. You stand a better chance of having your resume found online if you include relevant keywords. I say relevant, because it is a crucial step in getting the job you want. If you look at a student nurse cover letter it’s easy to see how many medical terms are used. You can do the same with any industry. Do a keyword search for the position you would like to be hired in and include the ones that are most suited for you.

5. Bullet points

Make sure someone can easily scan over your resume and get the just of what you have to offer. Do not write large paragraphs because it is a waste of time. You can write one summary, but you want to break it down into smaller sections. Bullet points and lists are a great way to achieve this. Simply use one line per achievement and skill. It’s simple and effective. This is one of the reasons resumes have been reduced to 1-2 pages. Hiring managers no longer have time to read a 10 page resume. Keep it short and to the point.

Conclusion

There are great benefits in using an online resume builder in blogging. These are some ways you can improve your online resume. A lot of success awaits you when you do something right and give it the time it deserves. There is no rush in creating your online resume. Take your time and make sure you are proud of the final product.

How to use SeekaHost.app to buy cheap domains and WordPress hosting?

By Ashutosh Jha → Wednesday, September 21, 2022
This guide will teach you how to use SeekaHost.app to buy cheap domains and WordPress hosting?

You can also use this guide to build WordPress PBNs if you want to.

Also, the word “cheap” plays a key role here. I’ll show you how to avail the best discounts without sacrificing any quality.

In less than $6.00, you can get your WordPress blog up and running in the next few seconds (with a .com domain)!

How to use SeekaHost.app to buy cheap domains?

There are various ways you can buy “cheap” domains on SeekaHost.app, or lower your costs. (I’ll show you the exact steps in the later sections on this guide).

The primary factor impacting your domain cost are:

  • Your domain extension.
  • The time-period you register your domain for.
  • Discounted domains (domains which may be going through promotional discounts).

If you need a “cheap” domain, you need to go with a cheaper extension, preferably discounted, and then register it for a smaller term.

How much do domains cost?

SeekaHost.app is almost always running promotional discounts, generally 30% or more. Currently, it lets you register the following domains at the prices mentioned below:

• .in-$3.25/year (70% discounted)
• .com -$5.99/year (50% discounted)
• .dev-$14.00/year (30% discounted)
• .app- $14.00/year (30% discounted)
• .ca-$7.99/year (47% discounted)
• ..co.uk- $$4.99/year (41% discounted)
• .it- $15.00/year
• .ch- $16.00/year
• .de- $8.00/year
• .io- $78.00/year
• .website- $25.00/year
• .online- $37.00/year
• .tech- $54.00/year
• .blog- $30.00/year
• .org- $15.00/year
• .net- $15.00/year
• .co- $30.00/year
• .nl- $8.00/year
• .ae- $50.00/year
• .com.au- $12.50/year

Do note that these prices are true for September 2022. These may or may not remain the same by the time you read this SeekaHost.app review.

What is the best domain extension?

If you ask me, I’ll advise you to go with the .com domain extension. Here’s why:

• it’s global
• Can be used for any industry/niche/project.
• Is the most common?
• Helps with SEO and is easy to remember.
• Despite all that, it is one of the cheapest.
Also, registering a .com domain doesn’t require any additional credentials or information. In other cases (e.g., when registering .co.uk/.ca or many other country-specific extensions), you’re required to enter a trading name and other such additional details.

You can also go with:

• Niche specific domains: .tech /.dev /.blog /.website etc. these will be the best bets if you’ve got a very specific project in mind.
• Country specific domains: If you’re creating a very national project and global branding isn’t your top priority.

How to use SeekaHost.app to buy cheap domains?

Before you can buy a domain, you need to search and check availability of the domain, don’t you?
Before you can search for the domain, you need to register at SeekaHost.app.
Just click on this link and fill out the registration form.


1 Once you’re in, click on the Domain name button and then click on Register domain.


2 [Optional] You need “cheap” domains, don’t you? The best way to get those is to check which domains have an offer on them.

You can do that if you click on the “Offers” tab on the next page. This will only show you the domains that have one or the other kind of discount available.


3 If you find an extension you like, search for domains using that extension in the search box above. Once you find the domain you like, click on “Add to cart”.


4 [Tip: You can completely skip the entire “offers” step mentioned above. You can simply and directly search for a domain and then check its price.]

For the next step, click on the “checkout” button that you see. This will take you to the purchase page. Here, just click “next”.


5 SeekaHost.app will ask you to enter information such as your name, address, contact details, etc. Enter these and click on Next.


6 Lastly, choose how you wish to pay, enter your payment information, and click on Order Now.


7 You can now access this domain that you purchased under Domain name-domains from the options on the left.

Is there a domain refund policy?

Alike most other registrars, SeekaHost.app doesn’t offer refunds on domains.

This is because “domains” are something that SeekaHost.app doesn’t provide on its own. They’re registered with a third-party, a central registry and hence it’s not easy for a provider to simply scratch a domain name at will.

However, its hosting trial plans (discussed next) will probably impress you.

What is WordPress hosting?

Let’s first talk about exactly what WordPress hosting is?

It’s a hosting service which allows you to host WordPress blogs. In most cases, it’s additionally optimized for WordPress blogs. One-click WordPress installation too is generally found with WordPress servers.

SeekaHost.app also offers a few settings you can configure even before installing WordPress.

How much do WordPress hosting servers cost?

Here are the SeekaHost.app WordPress hosting packages:

• Starter: $1.49/month (1 website)
• Standard: $5.50/month (3 websites)
• Growth: $8.00/month (5 websites)
• Premium:$12.00/month (10 websites)


7 day free trial

SeekaHost.app lets you use all of their hosting plans completely free for the first 7 days.

There are no feature restrictions or spec limitations. You get the complete server that you’d get if you pay for the server.

In this guide, I’ll show you how to get the free trial when buying your hosting server.

Let’s get to the point then?

How to buy cheap WordPress hosting on SeekaHost.app?

Click on the Hosting plans button. Then select WordPress hosting.

9 [Tip]: You can also click on the A class IP hosting button. This too offers you WordPress servers, but the most premium IPs. These are more expensive. The steps will remain exactly the same.


You should click on the “7 day free trial” link if you wish to try SeekaHost.app without having to pay anything.


15 You can also click on the “Choose plan” button if you do not need the 7 day trial. The next steps do not change depending on your choice here.

You then need to enter your name, address and other such personal details. Then, if you need “cheap” hosting, you can choose to go with the “Annual” plan. It offers you nearly 33% discount as compared to monthly payments.

10 You can obviously also choose to pay monthly. Once you’ve selected your payment terms, click on the continue to subscribe button.


Then just make your payment.

11 This is how you can purchase a cheap WordPress hosting using SeekaHost.app.


How to access the WordPress control panel?

I’m sure you’ve noticed there’s no “cPanel”.

Hence, in order to access your WordPress site, you need to click on Websites & blogs. Then if you click on WordPress Sites, SeekaHost.app will let you install WordPress.

12 There are two ways you can install WordPress.



• One-click installation: Once you click on the “Add new WP site” button above, you’re then asked to enter a few basic details. You can enter your blog domain and blog title. No other details are required.

13 • Advanced installation: If you click on the “WordPress settings optional +” button, you get a few more options. You get to change your admin e-mail, theme, and install dozens of plugins in a single click.


14 So this is how you install WordPress on your SeekaHost.app WordPress hosting server.


Things to do after installing WordPress on SeekaHost.app

I wouldn’t stretch this further. I’m sure you know what follows next.

However, in case you’re completely new to this, here’s the general direction you should head in:

• Go to your WordPress control panel and copy your nameservers.
• Go to your domain control panel and unlock domain > paste the namservers.

I’d also advise you to enable the free SSL that you get with SeekaHost.app.

Wrapping it up - How to use SeekaHost.app to buy cheap domains and WordPress hosting?

I’ve tried to make this guide as straightforward and simple as possible.

However, if you do get stuck, SeekaHost.app offers 24X7 support (even if you haven’t purchased anything) via tickets.

The company also offers free backups and DDoS protection if those things interest you in any way.

If you wish to build a PBN, SeekaHost.app specializes in that as well. All you have to do is, simply select the PBN package instead of the WP package. This guide can be used ditto build your PBN if you simply replace it with one step.

Go sign up at SeekaHost.app and give their 7-day trial a try? I’d love to know your views and opinions on this guide, as well as the company once your trial is over!

Where To Find A Loan In A Hurry?

By Ashutosh Jha → Saturday, September 10, 2022
Whether you need a loan for emergencies like - funding education loan for kid, home renovation, sudden medical emergencies or to cover some other unexpected expenses, personal loans can help you in all these situations.

The best thing about personal loans are - unlike any payday loan or credit card cash withdrawal, personal loans usually have lower interest rates and will be beneficial for you when you are in a hurry. The interest rate can further be negotiated if you have a good credit score. Even if you don’t have one, there are still many loan sites and apps available that can offer you personal loans at a lucrative rate.
In this post, I am going to talk about where to find a loan in a hurry - basically I will talk about the top 5 companies that offer when you need a loan in a hurry.

5 Apps those offer loan in hurry

Here are the top 5 applications where you can get a loan in a hurry. These sites are genuine and can help you find loans in the United States when you are in hurry-

#1 WithU

The first in our list of where to find a loan in a hurry is WithU. WithU offers personal loans up to $2500 within minutes when you are in urgent need. To get a loan from WithU, there is simply a three step process-

  • Add your personal details
  • Enter the loan amount you need - please note WithU offers up to $2500
  • Disbursal - get the amount the same business day

I personally prefer WithU for personal reasons due to many reasons including - low interest rate, same day disbursal, special offers, and flexible payment options. If you are looking for more details, you can contact the team here.

#2 LightStream

The second app on our list of where to find a loan in a hurry is LightStream. LightStream is a trusted consumer lending platform which was formed by merger of SunTrust Bank and BB&T. If you are looking for a personal loan amount greater than $2500 then you should switch to LightStream instead of WithU. LightStream offers the amount between $5K to $100K. Repayment period that LightStream offers is between two to seven years with some customization options available based on your profile. Usually, the APR range offered by LightStream is between 3.99% to 19.99% and you need a minimum of 660 as credit score.

#3 Rocket Loan

The third in our list of where to find a loan in a hurry is Rocket Loan. The company offers a personal loan to all users with a minimum credit score of 580 in the range of $2K - $45K. I found their APR range is little on the higher side - 6.72% to 29.99%. One of the reasons for such a high range of APR is the low requirement of credit score.

#4 Avant

Avant is another low requirement personal loan site where anyone with a minimum credit score of 580 can get a personal loan between an APR of 9.95% to 35.99%. Avant offers loans between $2K to $35K and you can get a loan disbursed immediately the next business day. You can repay the loan within 60 months. Please note, Avant charges an upfront administrative fee which you need to pay. Also, you are not allowed to add co-applicant or co-signers.

#5 UpStart

Last but not least, UpStart is also an excellent platform which offers unsecured personal loans. If you are looking for a lower loan amount with a comparatively lower credit score, UpStart suggests. Here anyone with a minimum credit score of 600 can avail loans as low as $1K to a maximum of $50K. They cover quite a wide range of loans. The best thing about UpStart is the customized payment date. One of the major problems I see with UpStart is - an origination fee of up to 8% of loan amount which is quite high.

Conclusion

These were the top five platforms where you can get a loan when you are in a hurry. I personally prefer WithU when I need a smaller amount with a decent APR percentage.

6 Best Free Board Games To Play Online

By Ashutosh Jha →
If you are a game lover, then you might be knowing board games are super when you play in-person. But if you can get it offline, online board games are equally exciting to play. The great thing is, there are hundreds of board games now available which you can play online. This allows you and your group to come over some barrier over playing it offline.

Best free board games - top 6

Here I am compiled top 6 board games for you which you and your gang can play online-

#1 Classic backgammon

This is one of my favorite board games to play online. It’s being provided by calculators.org which provides a broad range of board games to play online. Once you land on the game page, you will find a start button. Upon clicking, you will enter the game page where you can play the game.

Here it will ask you for the mode to select-


Depending on whether you are playing with friends or with the system, select the suitable option. This will take you to the main screen of the board game. The idea of this game is - players try to move their pieces to the opposite side of the playing field, generating a set number of pieces by rolling dice. Here you can choose one player or two.


Similarly, there are a bunch of other free games available on the platform that you can play. The great thing I found with the platform is, it’s ad free and the game screen is super clean to play. You can find the details here.

#2 Monopoly

Monopoly is another quite popular game which you and your friend can play for hours. The game is hosted on the Hasbro website and offers a free interface to play. You can also buy this game’s offline version on Amazon and other shopping websites. There was a time when people were crazy about this board game, and it’s continuing.



#3 Risk - global domination

This is probably one of the most active games from the developer community where we are seeing consistent upgrades and new features. In this game, you need to take over the entire board with your troops, and sometimes you may feel low with RNG, but besides that it’s an amazing game to play. The animations are cool and the experience of the game is great. There are a few in-app purchases as well, as you can buy a Europe or Japanese map in the journey.



#4 Stormbound

The next on our list of the best board games are - Stormbound. This brings the awareness of chess with the management of collectible card games. In this game, you need to choose 1 of 4 kingdoms and build a check around the one you have selected.


The goal here is, you need to play the card on the board and remove the enemy troops as soon as you can. This is the kind of success criteria here in Stormbound. Stormbound is one such board game which can even be played on mobile phones. Long story short it is - if you enjoy playing deck building or chess games, Stormbound is the one for you to try.

#5 Feud

Last but not the least, Feud is another great board game for you to enjoy some time without getting bored. This is a chess-like game which is being played on a 4x4 grid board. While playing, you can swap your places and the goal is to take your enemy out. Feud is also available on the mobile, and so you can play it at your own pace.

Feud has a very simple yet attractive interface and is free from any kind of ad. You will have a great experience playing this game.

Conclusion

These were the top 5 free board games which you can play online. Some of these games are also available on the phone, so you can play either through your browser or mobile phone.

How To Get a Temporary Phone Number?

By Ashutosh Jha → Wednesday, August 24, 2022
A temporary phone number might be the best option for your situation, whether you're seeking for a way to communicate in a way that is both private and anonymous or you simply want to make your interactions via phone and text simpler and more efficient.

Let's go into everything you could ever want to know about the world of temporary virtual phone numbers, from how they operate and how much they cost for the reasons why you might want one (even if you haven't even realized it yet), so let's get started.


What are the temporary phone numbers?

Their functionality is identical to that of a regular phone numbers. The only distinction is that, as you probably figure, they are typically only temporary. Is it possible for people to remember their phone numbers for a few months, a few weeks, or even a few days at a time. Burner numbers, disposable phone numbers, false numbers, secondary phone numbers, and virtual phone numbers are all names that are occasionally used to refer to these numbers.

Why would you need one?

There are many reasons why you might need one. Consider these situations:

ANONYMOUS COMMUNICATION

Sometimes you just want to sneak beneath the radar and return to a time when individuals can truly interact privately. Ah, the days before Caller ID and the ability to Google a phone number to gain a wealth of details about its owner. It allows you to send anonymous texts, make anonymous phone calls, and assume any identity you like (at least behind your phone).

SHORT-TERM CIRCUMSTANCES

Operating a time-sensitive promotion? Volunteering for a month or two with an organization? Transient phone numbers are ideal for temporary situations in life. There is no need for a large number of strangers to retain your actual phone number (and maybe pester you in the future). Maintain a calm and transient atmosphere.

STARTING FRESH

Sometimes you can't get rid of your real phone number since it's someone's emergency contact number, your grandmother still calls it a few times a month, or your bank uses it periodically. However, you can utilize it to create a type of fresh start. Use your new temporary phone number to call the folks you want to speak with (sorry, Grandma), and let the *real* calls go to voicemail. Boom! You can still be reached, but only on your own terms.

SELLING SOMETHING ONLINE

Offering your flat for rent? Offering a sofa? Seeking a new home for your exotic pet? Even if you try to keep all the transaction discussions to email, there will always be some who insist on a phone call to iron out the specifics, request a showing, or inquire whether you'll exchange your PS4 for a stack of CDs. (Such as, who taught you to trade, buddy?) Everyone has been there. Therefore, acquire a temporary phone number to utilize the next time you sell stuff. You will never question whether to answer an anonymous call because you will immediately recognize that it is a call to that exact phone line for that specific purpose.

DISTINGUISHING YOUR BUSINESS AND PERSONAL LIFE

If you provide your clients with your actual CP number, you will never know whether an unexpected caller is a client or a school emergency. Wouldn't it be good to divide your personal and professional life? Indeed, it's simple. Instead of contacting your carrier and adding a new phone number to your carrier account ($$$), you can utilize a temporary number from Hushed at a minimum cost. You will recognize when your clients call and be able to respond effectively. You can also configure a distinct voicemail to this number, enabling callers to leave a message. (And your own voicemail greeting can be anything you want, such as "Hey, leave it at the beep.")

RUNNING A SIDE HUSTLE

Do you fantasize about selling handcrafted cupcakes, canine Kerchiefs, custom jewelry, or, well, something less adorable? Go all out! Starting a side business can be a lot of fun, and it could one day become your ideal job. Many people initially used their actual phone number, but subsequently ran into the issue described above (no separation between your business and your personal life). What happens when your side business becomes a success? Your clients will be accustomed to dialing your own number. Use a temporary phone number from the outset to maintain a professional atmosphere. If you become uninterested in making a small Christmas trees or painting cat portraits, you may easily get rid of your phone number and terminate your business.

SIGNING UP FOR AN ACCOUNT

Currently, it seems like everyone wants our email address and phone number, but if you know they won't need to call you for more than once, there's no reason to give them your genuine phone number. Prevent your actual number from ending up placed on a list of irritating telemarketers. Remember that you may have your genuine phone number for years (or perhaps decades), so you don't want years or decades' worth of spam clogging up your call logs or text message list.

TURNING AN OLD DEVICE INTO A PHONE

Why not give them a temporary phone number and convert them into genuine phones that can make and receive calls and texts? Most individuals like the idea of repurposing their outdated devices into "phones" for their children or elderly parents without the need for data.

How to get a temporary phone number: multiple ways

Here are some ways using which you can get a temporary phone number-

Google Voice

Google Voice is a free service that allows you to make and receive calls, send and receive text messages, and send and receive voicemail messages. That's perfect if you want to keep your regular number private while giving out another one temporarily.

Create a Google Voice account by going to your settings and Click on "Manage Your Google Account." You will be asked to set up a phone number with which you can sign into Google Voice. Once you have done this, select "Voice" from the dropdown menu at the top of the page.

Free Online Phone

You can get a temporary phone number from Free Online Phone. You will get a number that is valid for 30 days and you can use your temporary number to receive SMS or make calls.

Temp-SMS

If you want to receive SMS online for free, Temp-SMS is a great service. You can send SMS to your own number as well as other number and you can use it with multiple numbers at once.

you can also use the service to send SMS to multiple numbers at once, which makes it very convenient to receive multiple messages from different accounts

Telnum

Telnum is an excellent source of temporary phone numbers. All All you have to do is sign up for the service and you will be provided with a number that can be used to receive SMS and phone calls. You can also send text messages from your computer using the Telnum website, which makes it easier than ever to test out SMS messaging strategies.

Conclusion

Temporary phone numbers protect your personal phone number when contact is required but you do not wish to reveal it.

We hope that you find this article helpful, and we hope you luck in your search for one.
Any questions? Feel free to check our website and the various offers we have at Telnum.

How To Make A Personal Budget - Quick Guide

By Ashutosh Jha → Friday, August 19, 2022
Making a personal budget can be overwhelming but it is not that difficult. And the best thing about a personal budget is, it can lead you to financial freedom. A personal budget is nothing but a summary which keeps a track on your spending for a certain period.


Typically, people prepare a monthly budget and to follow that you don’t have to be strict. It’s a simple calculation like, this month you are expecting to get X and out of that Y may go in rent, Z may be on food, etc. and remaining is your savings.

What personal budget do?

Personal budget is a monthly budget planning tool which gives you a direction on how much you should spend and where. For example, if you think, you can spend 40% of your monthly income, personal budget can guide you out of this 40%, how much should be for rent, food, travel, etc. This way, you can always a control on what you are spending and where you are spending.

Please note – budget ONLY works if you are brutally honest about your income and expenses. Don’t ever set unrealistic goals for your expenses. This is not for what the personal budget concept is. Sit with a pen and paper and list down all possible earnings and expenses and if your expense is going more than your expectation, see what areas are where you can have cost cutting. For example, if you spend 10% of your income on eating out, maybe you can be disciplined and reduce to 5 or 6% for the time being.

How to make a personal budget in 5 steps:

To create an effective and sustainable personal budget, please follow some of the steps shared below-

#1 Start with your financial papers

Yes, the first step is to understand your current finances and for that start gathering your bills and statements from all your financial systems. This can be your-

• Bank statements
• Investment accounts
• Utility bills
• Credit card bills
• Receipts from the last three months
• Any kind of secured or unsecured loans

If you have a loan to settle, include that as well. Also, if you have multiple loans running, it’s usually a good decision to combine those in one and then start paying. This applies to all sorts of people with good or bad credit history. You can read more about this here.

#2 Calculate your income

How much paycheck are you expecting per month? If you are a salaried professional, then you will be getting a salary after tax deduction, and you should be fine. But if you are a businessman then you should put your salary after taxes.

Also, if you are freelancer where the amount is not fixed, consider adding the value which is the average of the year or take the minimum value to put in the monthly income. This way, you can be super safe.

#3 Create a list of expenses

Next on the list is to create a list of all the expenses you will make during the entire month. This may include EMIs you may be paying for as well as simple eating outside. Try to make this granular as this way, you can plan for every possible thing.

• EMI payment – car/home/credit card/etc.
• Insurance- all sorts of
• Groceries
• Utilities
• Entertainment
• Personal care
• Eating out
• Childcare
• Travel/transportation

You can use your bank or card statements to make this list easily and correctly. A good idea could be checking the last three months of statements.

4. Fixed vs variable costs

Fixed expenses are those which are fixed irrespective of months. This can include the EMI you pay, child-care costs, phone/paper bills, and more. Whereas spending like food, transportation, shopping, etc. are variable costs and may vary on month-on-month basis. The variable cost can be your savings opportunity.

By doing this exercise, you will be able to understand the split of fixed vs variable cost. Fixed cost is something which you may not have been able to manage and so it’s variable cost which will be a great point to analyze and reduce your cost.

#5 Make adjustment to your budget

Let’s come to the final and most important point. The monthly budget plan is not just about knowing what you are earning vs spending but also helps you analyze your spending as well. If you are falling into a situation where you are overspending or able to make minimal saving, then it’s the right time for you to start trimming your expenses. A good point will be to analyze and see what’s really important for you vs what can be kept on hold.

Wrapping up!

This is a quick guide on how to make a personal budget and an important ingredient in your budget plan. Also, just making the plan won’t help you, you need to act on it.

The Most Popular and Profitable Affiliate Programs

By Ashutosh Jha → Thursday, August 18, 2022
Affiliate marketing is one of the ways to earn money. The essence of affiliate marketing is that you should recommend some service for your friends. Then, you can earn money if your friend does a certain action.


Hence, you should choose an affiliate program in which way you want to earn money: for a click, target action, or sale.

Most Popular and Profitable Affiliate Programs To Work

So there are multiple the most popular and profitable affiliate programs in 2021.

#1 Amazon Associates

If you want to work with famous services, Amazon is the best option to start with.

About a Company: Amazon is a well-known company you can earn from. It’s at the top of our list because of its fame and accordingly good reputation.

Affiliate Program: There are a lot of niches you can choose from to share affiliate links. Wide range of niches -- a wide range of commission rates. It can vary from 1% to 10%. Hence, when choosing, pay attention to the sum of money you’ll earn from working with Amazon.

You can get 10% of product sales when you recommend an offer from ‘expensive’ categories such as luxury beauty. You’ll receive only 1% from product selling when your recommendation will be a physical video game.

Keep in mind that Amazon doesn’t support PayPal. But you can use another international payment system, Payoneer.

Cookie: Cookie life lasts only 24 hours; therefore, if your friends like to think a lot about whether to buy a product or not, it’s better to ask them to add an offer to their cart because it leads to cookie life increasing to 90 days.

Also read: How to fill Amazon US affiliate Tax Information for Indian Affiliates   

#2 eBay Partner Network

If you buy items on this platform, you can boost your income by sharing its affiliate links.

About a Company: eBay is a platform where you can sell your items and set up biddings. For example, one potential buyer can set $100 for your drawing, and another person can set $150. You can choose the most profitable option for you and sell your offer for big money.

Affiliate Program: eBay partner network is the best bet for you if you’re a fan of choosing from different niches. This platform can offer you to choose from 300 categories. You can earn from a 1% to 4% commission rate from eBay.

When it comes to high-ticket items, you can earn $100 from them. And it’s no matter what their current value is.

Cookie: Like on Amazon, cookie life lasts only 24 hours. Therefore, it’s difficult to earn money from eBay affiliate programs when it comes to a seven-day auction period.

#3 Moment Affiliate Program

The third place on our top is taken by an affiliate program in the photography niche.

About a Company: The moment is a company for people who are passionate about photography. They gather into a big community and share inspiration with each other. For example, they make trips together to places they like to take photos in. Or they receive new gear for photographing and can purchase it before other people.

The creators of Moment set up guides and online lessons for their friends. Therefore, if you know a person who’d like to join such a community, it’s a good idea to suggest this service or just share one of its offers.

Affiliate Program: You can share the link on gear and earn from 6% to 15% from it. Or another option: it’s possible to earn 10% from photography lessons. Be ready that this service has a 60-day payment commission hold. It means that you should wait for two months before receiving your money. If you recommend traveling for your friends, you should wait even for three months to withdraw your income.

Cookie: Cookie ‘live’ for 30 days. You can’t make cookie life more extendable.

#4 Fiverr Affiliates

If your favorite niche is the online labor marketplace, Fiverr affiliates are the best bet for you.

About a Company: Fiverr is a marketplace that provides freelance services such as copywriting, translating, designing, SEO services, the list goes on. Fiverr is like Upwork or Freelancer when you can offer your service to potential customers.

Affiliate Program: As you guessed, you can earn money by sharing freelancers’ services on Fiverr. You can receive your money through a bank transfer or PayPal. Also, you can receive a Fiverr Revenue card and get money on this card.

Keep in mind that this platform doesn’t suit you if you plan to have a recurring income as Fiverr provides its affiliate program only for first-time customers you lead to this marketplace.

Cookie: Cookie lifespans are 30 days. It’s good for you because employers can choose who applies to work with them for several days or even weeks.

The Bottom Line

You can share affiliate links on social media or your own website. You can write about this service and make a text that will attract potential buyers for the service you’re promoting. If you’re worried about your quality of writing, you can develop your skills by working in writing services. It’s possible to make money from them, too. To understand what kind of work you should do there, you can go now to see essay samples.