Are you and your partner on the same page about credit?

Divide it up into a budget

I was raised in an house when money was saved. If we wanted something, we had to earn the money for it. We saved up for school clothes, dates, gas in the car, and pretty much anything else we wanted. The expectation was in place that if we went to school after high school we were supposed to pay for that as well. With that motivation, it was easy for me to work hard and save most of what I made. Even though I started with small amounts I was able to save up quite a bit of money and was able to pay my way through college. Often it meant sacrificing something I wanted in the moment, like clothes and shoes, for something I needed later – an education. My parents were very good at teaching us to be savers and financially self-reliant, and my siblings have all started to follow suit. We never got into the habit of spending a lot of money, or buying things we didn’t really need.

During the first part of our marriage, I felt like my husband had no real concept of money. I was pretty sure he had never even heard of the word or the concept of a budget. If we went grocery shopping, he wanted to get all the food he could and he would go straight for the expensive stuff as well. We got quite a few gift cards at our reception, and had completely different points of view on how they should be used. he had a “well, we have them and there’s some stuff we probably need so we should go find it” mentality, while I wanted to wait for an actual need to arise before we threw one of them in our wallets and went out looking for something specific. I actually ended up hiding a couple of the cards so that we wouldn’t use them and had them for when we needed them later.

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Our credit cards

For a few months, I was at a loss. we had completely opposite points of view about our finances, and stunningly different relationships with the money that we earned. I wasn’t really sure what to do, but I knew something had to be done after we ended up purchasing a laptop we didn’t have the money for. We put it on a credit card, but didn’t have enough money in any of our accounts to cover it. It took three months to pay it off, but that was the beginning of the problems. We applied for more credit cards but a free credit report showed that we were pretty much at our borrowing limit. Things got so tight that we advanced ourselves money off of our credit card, which was a whole new position for me. I had always been in control, had my money working for me, instead of the other way around.

I didn’t agree with a lot of the things we were doing with our money, but I didn’t want to bring money up, because I knew we would just disagree about it and the discussion would cause friction in our young marriage. That was the last thing I wanted.

I had a glimmer of hope one evening when I was working on our budget and showed it to my husband. He looked at it and saw that he had taken about $50 out of our checking account and put them on his school card, which he used to lunch at the vending machines on campus. A little light went on when he saw how much his lunch was costing us in $5 increments. I think it was then that he started to realize that the little things can add up in a hurry and do some major damage to our finances if we weren’t paying attention. I began to hope that this would be the beginning of the change…

So if you and your partner arent on the same page financially, sit down and talk about it openly and try to understand where each is coming from. Break it down simply and show benefits from doing it your way and you will both be stronger when it comes to your money.

Designing A Site That Gets Traffic – SEO Basics

HTML Tags Can Be Confusing

Today we will look at some of the meta description tag and meta keywords tags you need to consider to optimize your site well.

Together with the site’s visible content, the optimized meta description tag provides the information needed to match your target audiences search queries.

META Description Tag In HTML

In the HTML code of a web site, a META description tag is written like this:

<meta name=”description” content=”your content” />

As an example, the META tag for this particular post is:

<meta name=”description” content=”META description tag. (SEO Basics) What is a META description tag? What does a META description tag do? How can you optimize it? Examples provided.” />

To view the META description tag of a site, simply go to your browser toolbar or ‘right-click’ anywhere on your page and choose “view source”.  The meta tag should be located near the top. Mine is approximately 14 lines down, including the blank  lines.

Take a minute to check it out.

How Are META Description Tags Viewed in the SERPs?

Some search engines are temperamental, and like to grab snippets from your page to show beneath the title of your post.

Most of the time, your META tag information is viewed by searchers beneath the title of your page in the SERPs. (search engine results pages), especially if you are using a plugin such as All In One SEO Pack which allows you to manually apply META tags in WordPress admin post editing section, beneath the post.

Optimize META description tags for the search engines to ensure that your site has a better opportunity to rank highly for the words that you’d expect your potential target audience to use in their query.

Equally important, is optimizing the tag to appeal to your audience. You want to use it to draw the attention of your potential visitor. This is known as using ‘call to action’. E.g. for a technology blog like Knowledge Revolution you would want a call to action like “read the latest tech news now!”

The purpose of keywords meta is to tell the search engines what your content is about.

(**The lack of support for the META keywords tag may be due to spammers who seem to enjoy using this tag for “stuffing” hundreds of keywords of non-relevant data, in the hope of receiving a higher ranking with the search engines.)

How To Write META Keywords Tag In HTML

If you are unfamiliar with META keywords tag, take a look at this example:

<meta=”keywords” content=”meta keyword tag, meta keyword, meta, keyword, keywords tag”>

Yours would be <meta=”keywords” content=”your, keywords, separated, by, commas, here”>

To view the META keywords tag of any site, simply go to your browser toolbar, choose “view” then “page source” or right-click anywhere on your page and choose “view page source”. It will be located in the first few lines of code.