MoneyCentral Magazine

Three Blogs On Managed Funds Every Entrepreneur Should Be Reading

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By Michelle Baltazar

Investing your hard-earned money is a little bit like an organ transplant: the stakes are high and decisions are best left to the experts. It doesn’t mean however that you just close your eyes and hand over your piggy bank. Thanks to the internet, you can check out many websites to get handy tips on how to go about investing in so-called ‘managed funds’.

We know you’re time-poor so why not start out by just checking out three website links we’ve picked below? They’re worth the few minutes it takes to see whether they’re useful to you.

1. Paul Clitheroe, a financial expert who is big on financial education, writes about complex topics using simple language. See this link on his latest blog about investing in managed funds for as little as $80.

2. For all of you hard-working career women out there, check out www.moneygirl.com.au, which, like Clitheroe’s blog, is financial education in basic English. On managed funds, there’s stuff to read via this link.

3. They call themselves ‘The People’s Watchdog’. Consumer body ‘Choice’ has a section on its website dedicated solely to investing. It’s disappointing that their last article on a buyer’s guide to managed funds was done way back in 2007 but the basic premise still holds to this day so it’s still worth reading. See this link.

Besides, it’s worth bookmarking www.choice.com.au because they’re quite good at naming and shaming those who do dodgy deals, whether it’s about the worst plasma TV to buy or a rip-off deal in property.

If you’re tight for time, read Clitheroe’s blog. It’s chockfull of easily digestible info on investing.

Source: The Australian Filipina

5 Proven Ways to Recover From Stress and Being Overwhelmed

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2021 has been a stressful year across the board. Even if you think you’re good at dealing with stress, there have undoubtedly been times this year during which you’ve had to use every trick in your book. And if you’re not good at managing stress, there have undoubtedly been times in which you’ve been desperately seeking an outlet for those overwhelmed feelings.

You’re in luck because this article will furnish you with some useful tips and tricks to help you relieve some of your mental strain.

Nourish Your Spirit

If you’re feeling stressed, a good way of easing your troubles away is to connect with yourself. Spiritual pursuits, like meditation or prayer. Both of these practices can help to increase your sense of self-awareness, diminish feelings of anxiousness, and shift your focus off of your worries and onto something higher than those worries, like yourself, or your deity.

Exercise

This one may seem tricky if outside stress-compounding factors such as anxiety, depression, or physical limitations make the idea of exercise or activity seem daunting. But keeping active doesn’t have to mean high-intensity fitness training at the gym or even organized sport. Take the dog for a walk. Mow the lawn. Watch an exercise video online and move or stretch along. Certain scientific studies suggest that regular physical activity may have similar effects on mental health as antidepressants due to the encouraging production of endorphins, the brain’s neurotransmitters that help to mitigate stress.

Do Something You Like Doing

If you’re a writer, write. If you’re an artist, create something new. If you’re a musician, play. If you’re a sportsman, head outside. If you’d rather binge watch TV, there are a plethora of streaming services to choose from. Any constructive hobby is a worthwhile pursuit and can go a long way to giving you a sense of enjoyment and satisfaction.

Get a Pet

If your life circumstances allow, having a furry friend can help with stress relief, as certain studies have shown that taking care of a pet can help to lower the blood pressure that stress can raise, and decrease levels of cortisol, a hormone sometimes caused by stress, and even make a person feel less lonely.

Unplug from a Busy Life

Sometimes, you simply have to escape, and that’s okay. Work will be there when you come back, and so will the news. Spend time with friends or family – or time alone – uninterrupted by your day-to-day activities. Taking a break from an otherwise busy life may also include a social media hiatus. You might find that the more you disconnect from the pressures of everyday living, the more you connect with yourself.

A Final Word

Taking care of your mental health is important, and even more so in these unprecedented times in which we live. And now that you’ve seen some ways to help combat stress, hopefully, you’ll be able to fight against it even harder.

Home Loan Repayments 101: How To Make Home Loan Repayments As Easy As 1-2-3

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A home loan is one major type of loan you will probably ever have in your entire life. Having said that, managing a home loan would be a tedious task to accomplish every month; especially that you still have to deal with other equally important expenses. However, there are certain things you need to be conscious or aware of in order to manage your loan home payments in an easy way.

Before applying for a home loan, you first need to formulate a strategy on your financial plan in order to successfully manage your home loan repayments. In other words, you have to make it fit right into your monthly budget. This way, you can make necessary adjustments ahead of time just in case some problems occur.

Needless to say, home loans are quite a big deal; thus, it may take a big chunk out of your financial plan. And, it is some sort of a necessary evil to deal with every month. However, it is equally important to take note not to miss a single payment to avoid future complications and penalties.

Make your first repayment as soon as your home loan has been approved. This will take off a big chunk of the amount from the principal even before the interest accumulates. With this in mind, the amount of your repayment will be much lower than you have anticipated.

Coordinate with your financial institution that you prefer paying fortnightly instead of monthly. This way, you will speed up the process of your repayments because you end up paying the equivalent of roughly 13 instead of 12.

If you have an extra monthly income that you earn from a bonus, then, it would be wise to make additional repayments. Do this on a regular basis and you will end up reducing the cost and duration of your home loan.

Once your loan repayments will lower down due to a decrease in the interest rate; then, make sure you will not lessen your repayments. This way you will be making a monthly extra repayment which will make you pay off your loan sooner and eventually save you money. And, the best thing about this strategy is that you are not affecting your monthly budget because you are still deducting the same amount of money from your financial plan.

Another tip is to make arrangements with the financial institution to have your monthly income directly deducted by the amount of the home loan repayment. This way, you will be assured that your financial obligation on your home loan will not be jeopardized. Also, crediting companies would prefer this kind of payment system and would even give incentives—in the form of reimbursements or diminished interest rates—to their clients for timely repayment. You can have the rest of your monthly expenses charged from your credit card with an interest-free period.

By and large, if you are always alert with the financial movements of your monthly budget and linking them to your home loan and daily expenses; then, you will be assured of a successful and easy way of dealing with your home loan repayments.

5 Ways To Keep Yourself Healthy During The COVID-19 Pandemic

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In the midst of a global pandemic, many want to know which ways are best to boost your immune system. However, it must be noted that there is no diet, supplement, or lifestyle modification that will protect against COVID-19 except for proper hygiene and social distancing. The tips listed below may support and boost your immune health, making it easier to fight off disease and infections, but they do not specifically fight against COVID-19

That being said, here are 5 tips that will boost your immune health and with time will help you feel healthier as well help your body to fight off illnesses.

Getting Enough Sleep Each Night

You may notice when you get a cold or start feeling sick, you start sleeping longer and deeper. This is your body allowing your immune system to better fight off the illness. Your immune system takes a lot of energy to fight off illnesses, likewise, it takes a lot of energy to protect against them. It’s important to get enough sleep for many reasons, among them is to have enough energy to give your immune system a chance to fight off illnesses.

Work Whole Plant and Fermented Foods into Your Diet

Whole plants, such as fruits, vegetables, nuts, seeds, and legumes are incredibly rich in nutrients and antioxidants. These may give your immune system an upper hand in its fight against some harmful pathogens. It can cut down on chronic inflammation, provide fiber to promote gut health, and most provide the vitamin C needed to reduce the duration of a common cold.

While fermented foods may not be what many think is best for their diets (And in fact when done improperly can be dangerous so be sure to research fermentation before starting) they are often packed with probiotics and beneficial bacteria that promote gut health. In turn, this allows your stomach and immune system to work together to fight off illness.

Limit the Amount of Added Sugars in Your Diet

With many coming to the conclusion that added sugars and refined carbs contribute heavily to obesity, it is important to try to begin cutting these out of your diet. Obesity, type 2 diabetes, and heart disease are all capable of suppressing your immune system. To maintain a healthy immune system it is vital to cut the risk of these by reducing how much-added sugar is in your diet to 5% of your daily calories.

Practice Moderate and Daily Exercise

Simple, daily exercises such as brisk walking, steady biking, jogging swimming, and light hiking are all great ways to stay in shape, as well as boost your immune system. An active body has a better chance of fighting off infections and illnesses.

Drink Enough Water Everyday

While drinking water does not directly protect you from germs or viruses, it does prevent dehydration and boosts your overall health. Preventing dehydration is important for everyone, as you are far more susceptible to illness while dehydrated.

Photo by cottonbro from Pexels

Meet The Entrepreneur Behind The Cover Of The August 2021 Issue Of MoneyCentral Magazine: Steve Stanulis

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Steve Stanulis is an award-winning filmmaker, actor, and the founder of Stanulis films who is currently adding to the revolution of the modern-day entertainment industry with his premium content and unmatched vision.

As the world continues to evolve digitally, high-speed internet connection has paved the way for the latest addition to the entertainment industry: streaming services that allow people to watch their favourite movies or shows online.

According to Action Elite magazine, Streaming services also brought about a significant impact on the roles of actors and actresses. They are no longer tied to major movie studios and productions exclusively. Rather, they can now earn through various online platforms because the advertisers in these digital channels pay them a certain fee to promote their products to their followers.

Leveraging this new wave of digital entertainment, Stanulis established Stanulis Films in 2019. His enterprise has already showcased early success, earning the award for “Best Documentary” in the New York Independent Film Festival for his documentary “Wasted Talent”.

Stanulis made a statement of intent with that documentary, alerting the entertainment world of his vision, creativity, and drive for triumph. Stanulis followed up this maiden success by bringing home the titles of “Best Drama” and “Best Ensemble Cast” with the hit 2020 film “5th Borough.” This casting award further lends credence to Stanulis’ creativity and a keen eye for detail in finding the right people for his films.

With longevity comes experience; with experience comes greater expertise. Stanulis didn’t appear from thin air to scoop up laurels. A former NYPD Officer and A-List Celebrity security guard, Stanulis honed his craft and garnered entertainment experience as a published and credited actor (starring in projects such as The Sopranos, The Interpreter, and I Now Pronounce You Chuck & Larry).

With his expertise, a wealth of experience, ability to develop and find talent, and work ethic, Stanulis has been successfully steering the wheels of his enterprise in the right direction, creating amazing content all while staying within minimum film budgets.

Stanulis is not resting on his laurels yet, for his drive for success is new every morning. Leveraging on the rising independent film industry, the filmmaker currently has 10 upcoming films in the works through 2022, and with his precedents draped in awards and laurels, viewers have reason to be excited, for first-class entertainment is on the way.

MoneyCentral Magazine recently caught up with Steve to discuss his journey in the entertainment industry and here’s what went down:

Why Did You Decide To Be A Producer Above All Other Industry Job Roles?

I really enjoyed the business aspect of the entertainment industry. Being a producer allows you to run the show and make business decisions, which ultimately decide the success of the project.

What Was Your First Job In Film And How Did You Progress To Producer?

My first job in film was The Replacements with Keanu Reeves and Gene Hackman. I played Keanu’s backup quarterback and only had two lines, but I was hooked!

What do you look for in a script?

When reading a script, the genre, the dialogue, and character development are most important to me. Unfortunately, many writers fall short when it comes to character development.

How do you select a director?

I usually choose a director based on the genre of the film and their past success on prior projects. It’s also very important for us to be compatible and have the same creative vision.

Have you ever had to handle a difficult conflict in your career? What did you learn from it?

There have been many difficult conflicts, usually on the financial side. For instance, sometimes monies are counted on and at the last minute, investors don’t follow through. As a producer, you need to have a fallback plan and if for some reason you do not have enough time to raise the money, you have to decide where to cut the script where it doesn’t change the story.

What would you change in a movie you produced that you believe would make it better?

None- I have been blessed in the sense I have never looked back on a film or cast member and wished something was done differently.

What Film Projects Are You Working On Right Now?

We are currently shooting a project called “Monica”, starring Emily Browning and Patricia Clarkson. The film is about a transgender woman who comes home to take care of her sick mother, even though their relationship is estranged. We think the topic is timely and we are proud to be a part of this film.

Do you think it’s a good time to invest in films right now amidst this pandemic?

It’s never been a better time to invest in films, due to the fact when I first started in 1999, you either needed a theatrical release or a deal with Blockbuster. Now, there are so many platforms looking for new content. Therefore, it truly has never been a better time to have your work as a filmmaker distributed.

What Advice Would You Give To Those Hoping To Pursue A Career In Producing?

My advice would be to network, do your research, and try to find a mentor already in the business to help you learn the ins and outs. I’d also warn them that the journey is not a sprint, it’s a marathon. But if you stay motivated and remain tenacious, you will achieve all that you dream of!

5 Ways New Entrepreneurs Can Future-Proof Their Businesses

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It’s no secret that many businesses took a massive hit during the COVID-19 pandemic, but while some were struggling, entrepreneurs were thriving. According to the U.S. Census Bureau, 4.3 million new businesses were launched in 2020 alone — over 1 million more than the previous year — meaning that more people are launching new businesses than ever before.

While this is great news for the entrepreneurship community at large, that doesn’t mean these newly-launched businesses are in the clear. In fact, some estimate that as many as 50% of these businesses will fail within the first year without additional support.

So what can new founders do to ensure their success? It’s easier than you might think.

Establish yourself as a thought leader.

As business owners, there are few things more important than your credibility and reputation. As such, establishing yourself as a thought leader in your industry is vital — not only will this ensure that potential customers want to work with you, it can also lead to other business-boosting benefits like media inquiries, partnership offers, and more.

You might be tempted to brush off thought leadership as a secondary priority, especially when you’re focused on getting your business off the ground. However, demonstrating that you’re a leader in your field is a fantastic way to build a safety net that can help your business stay afloat and even thrive. Building your personal brand and platform can help you create a strong foundation from which your business can grow, and it will help bring people to you instead of the opposite.

Don’t be afraid to pivot.

Change is scary, especially when you’ve already stepped out of your comfort zone by launching a new business. As we’ve learned during the pandemic, however, the ability to adapt is key to many businesses’ survival. While there is definitely strength in persistence despite the odds, it’s also critical for entrepreneurs to understand when and how to pivot.

Don’t view it as giving up on your business or your ideas but rather as exploring new avenues of possibility. Studies show that businesses that are willing to adapt or change during times of crisis are more likely to be successful, which means your ability to think quickly and respond accordingly might be the difference between a business that succeeds and one that fails.

Focus on financial literacy.

Money is the #1 cause of stress in America, and the same is true for entrepreneurs. While this stress can wreak havoc on our overall health and wellness — including contributing to anxiety, depression, high blood pressure, heart disease, and more — it’s often far worse for entrepreneurs, who are more prone to mental health issues due to immense stress.

While you can certainly introduce stress-relieving tactics into your regular routine to help you cope — whether that’s exercise, mindfulness, meditation, or something different — it’s important to address the sources of that stress as well. And one of the best ways to worry less about money? Learn more about it.

Look for ways to level up your financial literacy as both an individual and an entrepreneur, and make sure to find ways to give yourself the financial education that many business owners aren’t able to receive in traditional schooling. There are plenty of resources available online for entrepreneurs who want to learn more about money, and the more you know the more confident you’ll be in handling your money and taking financial risks.

Explore alternate methods of funding.

While there’s nothing wrong with bootstrapping your business, lack of funding is one of the biggest reasons why new businesses fail. And while a small business loan from a traditional bank is an option for some, it might not be the best path for you, especially if you’re a first-time entrepreneur.

Don’t be afraid to think outside of the box when it comes to funding your business. Crowdsourcing is a great option for anyone who is able to provide a physical product or service, and you might be able to raise money through crowdsourcing on Kickstarter or Indiegogo. Not sure if crowdsourcing is right for you? There are plenty of angel investors out there who are looking for new investment opportunities, and there’s no reason not to reach out to them. There are also new alternative forms of investors that are available on platforms like ClearCo that can help businesses scale without sacrificing a large ownership stake in their company. If your product is in the e-commerce or SaaS space, this might be the type of funding you need to get your business off the ground.

Get a mentor.

Mentorship might not be on your “top priorities” list as an entrepreneur, but it definitely should be. According to one survey, 70% of small businesses that received mentoring survived more than five years, which is double the survival rate of non-mentored businesses. Plus, business leaders who are mentored by a top performer are three times more likely to become top performers in their industry as well, meaning mentorship might very well be the thing that helps your business not only survive but thrive.

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Charlotte DeMocker is co-founder and Chief Operating Officer at Penny, an innovative digital media startup that successfully launched during the pandemic. Penny seeks to help ordinary people master their money. Follow Charlotte on Instagram @charlottedemocker and learn more about Penny @penny.app.

7 Self-Improvement Goals That Will Make You Happier And More Motivated

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Always remember that as long as you are alive, there’s always time to change your ways and succeed in life. You alone have the power and the opportunity to do what you want and be the person you want to become. If you want to improve yourself and achieve your goals, you should follow these self-improvement tips.

• First and foremost, you need to accept the fact that you need to be able to take full responsibility for your self-improvement. You need to know your true self, the things you’re interested in, and how you’re going to actively pursue them. If you don’t have any idea where you are heading, then you’ll probably just end up where other people want you to go.

• You need to set realistic goals and stick to these objectives as well as find ways to achieve them. Such a thing, however, is not enough.

• Learning continuously is also important. There are skills and techniques that you can adapt to improve your life. Never stop learning. Many people know how important this tip is. You need to continue learning in order to succeed.

• Look for effective ways to learn new things and improve your skills. Realizing the power of learning can encourage many people to become better in various ways and achieve what they really want. Keep in mind that if you learn new things enthusiastically, you’ll achieve self-growth and succeed in living a more content life. You will become happier and live the kind of life you have always wanted.

• You also need to change your bad habits. There are many times when a person’s life is dominated by bad practices. If you really want to become a better person, you need to change these habits and stick to the positive changes you’ve made.

• Being persistent is also important. Some people give up too easily. Always remember that your perseverance will serve as the driving force that will encourage you to do things you think you cannot do.

• When you focus on a goal, it is important to keep your mind on it. Don’t let yourself get distracted by other goals. Many people cannot focus on anything related to work for a long period of time. It is difficult to do especially since our culture is full of reasons and distractions that force us not to bother a lot with attaining real success.

There are plenty of excuses you can say that can stop us from doing anything productive. If you want to improve yourself and achieve your goals, you need to prioritize every action. Even when you’re not seeing any major progress yet, you should still keep going towards the completion of your goal.

As long as you keep at it – you’ll reap the rewards in the end. There are self-improvement books that provide life-changing ideas and advice that you can integrate into your life. Discover and learn things that can benefit your pursuit of self-improvement. Always remember that learning new things can do you a great favour. Continuous education will certainly help you succeed.

Entrepreneur Spotlight: Find Out More About Fashion CEO Brittany Benton

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Fashion CEO Brittany Benton is about to launch an online series called “The Boutique Secret” aimed at helping new Entrepreneurs

Today, 54% of Gen-Z want to be an influencer according to a study by Morning Consult. That number is sure to rise, which means that a lot of people will be forgoing traditional careers and turning themselves into a brand. While thousands of content creators are making fortunes selling products and running their businesses on social media, there are far more who have lost fortunes.

Brittany Benton has launched an online series called “The Boutique Secret” aimed at helping young entrepreneurs and brands avoid common career-ending pitfalls, and learn how to get a business started far more successfully.

Brittany Benton, CEO, and founder of the hot new fashion line Benton1988 has persevered through immense obstacles and took massive risks but still triumphed. Since their launch in 2019 Benton1988 has sold millions of dollars of clothes and has amassed hundreds of thousands of followers on social media.

After spending years running every aspect of her business from her living room, with no employees or financial security to back her up in case it didn’t work out, Brittany has gained experience that she knows will be very valuable to anyone else thinking about becoming an entrepreneur.

Brittany’s online series of videos found here are a series of “how-to” videos designed to walk entrepreneurs through a variety of topics they need to know before they get started. Topics like how to start a business with little to no money, how much money to spend on Facebook ads, a vendor list in LA and abroad, and several other extremely helpful resources.

“The fans of my brand have been so supportive this entire journey and our team has heard from so many of them who want to run their own businesses like me one day. It’s inspiring and pushes us to reach a higher standard every day, so we can show these people that they can make millions of dollars doing what they love as well.” Brittany said when reached out for comment.

According to our sources, several massive influencers and models in Hollywood have reached out to Brittany about potential collaborations for global campaigns with her fashion line, because they see her product as an easy sell. In a relatively short time span Benton1988’s bold styles, empowering outfits, and Brittany’s captivating personality have convinced the fashion industry and fans online that her products are the next big thing.

You can follow Brittany on Instagram @the.brittany.b and Benton1988 @benton.1988 to learn more about their upcoming announcements and high-profile collaborations.

5 Things to Do When You’re Feeling Totally Stressed And Overwhelmed

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2021 has been a stressful year across the board. Even if you think you’re good at dealing with stress, there have undoubtedly been times this year during which you’ve had to use every trick in your book. And if you’re not good at managing stress, there have undoubtedly been times in which you’ve been desperately seeking an outlet for those overwhelmed feelings.

You’re in luck, because this article will furnish you with some useful tips and tricks to help you relieve some of your mental strain.

Nourish Your Spirit

If you’re feeling stressed, a good way of easing your troubles away is to connect with yourself. Spiritual pursuits, like meditation or prayer. Both of these practices can help to increase your sense of self-awareness, diminish feelings of anxiousness, and shift your focus off of your worries and onto something higher than those worries, like yourself, or your deity.

Exercise

This one may seem tricky if outside stress-compounding factors such as anxiety, depression, or physical limitations make the idea of exercise or activity seem daunting. But keeping active doesn’t have to mean high-intensity fitness training at the gym, or even organized sport. Take the dog for a walk. Mow the lawn. Watch an exercise video online and move or stretch along. Certain scientific studies suggest that regular physical activity may have similar effects on mental health as antidepressants due to the encouraged production of endorphins, the brain’s neurotransmitters that help to mitigate stress.

Do Something You Like Doing

If you’re a writer, write. If you’re an artist, create something new. If you’re a musician, play. If you’re a sportsman, head outside. If you’d rather binge watch TV, there’s a plethora of streaming services to choose from. Any constructive hobby is a worthwhile pursuit and can go a long way to giving you a sense of enjoyment and satisfaction.

Get a Pet

If your life circumstances allow, having a furry friend can help with stress relief, as certain studies have shown that taking care of a pet can help to lower the blood pressure that stress can raise, and decrease levels of cortisol, a hormone sometimes caused by stress, and even make a person feel less lonely.

Unplug from a Busy Life

Sometimes, you simply have to escape, and that’s okay. Work will be there when you come back, and so will the news. Spend time with friends or family – or time alone – uninterrupted by your day-to-day activities. Taking a break from an otherwise busy life may also include a social media hiatus. You might find that the more you disconnect from the pressures of everyday living, the more you connect with yourself.

A Final Word

Taking care of your mental health is important, and even more so in these unprecedented times in which we live. And now that you’ve seen some ways to help combat stress, hopefully, you’ll be able to fight against it even harder.

5 Surefire Tactics For Reducing Overall Business Debt

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Debt can be a drain on a business, especially if you are hoping to end the year in green, we will discuss some strategies to help you get closer to that goal.

Considering a renegotiation of loans whilst also pursuing other opportunities such as grants can be a great way to reduce or eliminate this debt.

Keep reading for three other life-saving methods to consider as well.

Renegotiating the Terms of your Current Loans

If you currently have loans that are proving difficult to pay back due to existing debt, it might be worth considering with your lender if you are able to renegotiate the terms of these loans and sort out a mutually beneficial agreement.

By expressing the hardship of the current loan on your finances, you may be able to secure an agreement to change the terms of the loan. This could be a reduction in interest rates for example, or simply changing how frequently the loans are paid, allowing you that extra time for other beneficial financial decisions to help keep your business up and running, allowing you to build towards the reduction of your debt.

Using Grant Opportunities

It is extremely likely that your business may be eligible for grants from entities such as the government or other entities with a goal in mind that you help to pursue. For example, your firm may specialise in an area that supports a key government objective, and if you believe this may be the case, it is worth getting in contact with them to explore any options available.

Further to this, in the current pandemic, you are likely to be able to access some potential grants to support you at this difficult time, and these are great at reducing your current debt.

Focusing on Eliminating the Debt as Opposed to Other Objectives

If you are in a stable position in regard to your company, and your finances appear to be the only difficulty, it might be worth diverting your attention away from other opportunities for growth to focus on eliminating your debt.

It may be worth making conservative decisions at this time, such as not hiring new employees such as marketing directors to promote your social media presence if it is relatively stable at this point in time. This allows you to focus on the task at hand, reducing extra unnecessary costs in the short term.

Focus on Increasing your Sales

However, as a business, you must run an analysis to see if the previous point is the best option, as it may be worth incurring that short term cost if it is likely to return positive results, such as increased sales, money from which can be used to pay off such debts. In which case, alternate strategies may be necessary to pursue.

Tapping into Your Networks

Finally, if you have crippling debt, consider using your network to help you. You may have family and friends who can help you pay off existing loans if they believe in the long-term success of your business.