Deberah Ho – Expense Tracker For Free

Hello World,

As you may know from my previous blogs that I talk about personal finance a lot. I am taking you on a journey of bettering my own finances as well as sharing my tips and tricks from my learnings. I share my stock picks and any investment changes I have made.

Many people are not good with their finances is due to a simple reason. They simply don’t track it. They just get a salary, buy whatever they need but, do not keep a track of it from the beginning to the end of the year. Deborah Ho has made it easy for us to track our expenses completely for free now.

Everyone has Google, hence, everyone has Google sheet. How many of you use Google sheets? It’s just like excel, but better because, if you know a bit of the formulas then it can actually provide real time data. However, not everyone is as savvy with formula’s so I am going to leave it at that.

These are just random numbers I put in to show you how this works. All you have to do is plug the numbers from your daily expenses, you can change, update, or add some of the more relevant categories such as rent or mortgage, gas etc. This is on the expense tab.

On the Monthly expense tab you will see the output of what you have entered. For example, over all details of what you are spending each month. Which category you are spending most on, is it entertainment, food, rent?

It’s a neat tool and best of all it’s completely free. You just have to right click, save a copy on your own google drive and enter your expenses every month:

Here is the Link: http://deborahho.com/expense-tracker

Let me know your thoughts!

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Why Packaging and Aesthetic is Important

Hello World,

You know I read a lot about human behavior, consumer behavior and customer journey. However, I wanted to talk about why packaging is important to me as a consumer. If you look at my over all profile, I am not a marketers dream profile. I shop very smart and I track my expenses which most people don’t do. They get a pay cheque and they spend it on new trends or what they “think” they need right away.

I know I posed this question earlier – during this pandamic, are you all spending more or less?

I have been spending a bit more than I use to as I am saving on commute and I see the savings as I track. I will share a budget tracker for you in my upcoming blogs.

I have been also following many new small businesses on various social media platform to see their marketing strategies. One thing in common is packaging journey. I am seeing alll small business owner making small bite size videos of them packaging their products. This is a marketing tactic, because, when someone sees how much effort and time packaging takes, or overall beauty of the package itself, the customer is more incline to buy.

Packaging is very important to me as well. Aesthetic of a product you sell is basically presentation. Think of all the influencers that follow a certain color way to enhance the aethetic of their profile, for example:

This is their presentation that makes you want to follow them or any other influencer because, it looks pleasing and plus shows they actually put thought into this. Their profile is a product that they are selling to you audience and it’s packaged well hence, we follow and buy into it.

Same applies to packaging!

Think of your customer profile. Are they single, living alone, are they always working, what will make them feel special? For me, when I receive a package, it’s the unboxing experience, the pretty wrapping paper coming off – it’s almost as I have received a gift! Now understand, it’s expensive and time consuming for a small business to do that but, creativity shouldn’t be expensive so if you are a small business owner put some creative thought into packaging.

Some business owners, actually throw in freebie’s or stickers, or chocolate/candies. This gesture allows customers to remember the brand because, they felt special when opening the package.

If you are a small business owner, give your packaging a thought! Until then, I hope you all have a great day!

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When to Monetize Your Blog

Hello World,

There is often the question of when to monetize your blog. The answer is, when you start seeing a 100 visitor traffic per day. That is a good time you can monetize your blog.

Now comes the question of how to monetize your blog and there are 8 different ways that I can think of from on top of my head that I will just list:

  1. Affiliate Marketing
  2. Advertisment
  3. Email Marketing
  4. Selling Books
  5. Selling Courses
  6. Selling digital products
  7. Sell coaching services
  8. Secure sponsorship

Which one are you going to try or at least research about starting today?

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Watch “Online Business Inspiration and Tips 2020” on YouTube

Hello World,

Make sure you are supporting my channel by suscribing. I want to keep you all motivated by keep sharing my thoughts on trends, content and business strategies…

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ETF’s I Bought in My Retirement Plan This Week

Hello World,

Who wants to follow my personal finance journey? If you have not read all my financial blog, then here is where you start!

Let’s start by opening a Questrades account. Here is a QPass 316621717438868 you can use to get the following,

Take advantage!

OR

Once you opened up a Self Direceted account RRSP or TSFA, buy a lot of QQQ, QQQJ, VOO, VOOV and VEA. Do your own research! These ETF’s pay dividends and track Vanguard and S&P500. Guess what S&P500 just added TESLA and you know that’s some good news!

If you have an investment strategy of putting away atleast $500 each month to your retirement funds, your money will increase in compound.

Also, research and read the news!

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Did Hear About Pfizer Covid 19 Vaccine?

Hello World,

Opinion price…

When you hear such news, what’s the first thought that comes to your mind? I always think or pharmaceuticals as big scammers… personal opinion. One of the reason being advertisment. Yes, advertisment!

I have traveled all over the world and one of the things to notice is marketing and advertisement. It’s a nice thing to see, you will find different flavor of marketing all over. It shows what people are inclined to buying in each country and area.

American TV advertising will show a lot of pharmaceuticals products. It’s funny, because I have never seen so many anti depressant being sold any where…So many medicines.

However, the first thing that came to mind when I heard about Pfizer was stocks. Did you know the CEO sold about 60% of Pfizer stocks when the news came out. After, listening to this, will you buy or sell the stocks?

Pharmaceuticals stocks are very volatile. So I am not too fond of Pharmaceutical stocks.

Anyways, have a nice day!!

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!

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