Shop Wisely Over Christmas

It’s been more than 5 years that we’ve lived with the notion of credit crunch in our minds. “Save, be thrifty, be careful, don’t overspend…” – such pieces of advice come from anywhere and everywhere. And we can sense the financial situation all the more pressing during holidays, when we feel like spending a lot more than usual. There is a way to enjoy great Yuletide and still buy all the things you need (pay attention, ‘the thing you need’) as long as you are wise and prudent and plan well ahead. So, how can this be the case in any case?

Time is Money
Indeed, finding ample time for your Christmas shopping over the holiday spell can seem like mission impossible when you try to squeeze all the tasks into your tight schedule. This is how online shopping can help you. Saving your time it saves you money, because it is on the Internet that you can find great deals. At the same time you can stay at home or in the office and earn some more money. As most entrepreneurs suggest: something is worth the time only if it brings you more that you can earn working for the same period of time.

Luring you at Christmas
Over Christmas stores apply all sorts of measures to draw customers and save their own turnovers. In fact, Christmas is just the right time for shops to change their balance at the end of the year. Believe it or not, Christmas shopping sometimes provides for about 40% of their annual revenue. That is why, you can find seemingly huge Christmas discounts. But you better steer clear of them as you are very likely to spend more on things you don’t really need thinking that you’ve saved money for them. Truth is, Christmas discounts can be misleading.

Plan well ahead
Planning well ahead is a great choice for a number of reasons. You can benefit from summer / seasonal sales, you can diversify your budget and last but not least, you save time. When you shop ahead online, you can use saver or free delivery, which usually take longer. So if you purchase gifts early enough, you can afford to wait a little longer. Also, don’t forget that over Christmas post offices and the mail service can be insanely busy so it is not worth taking any risks. So, don’t wait till the very last moment.

Buy 2 get one free
Found something great that you can give to more than one person? Don’t turn a blind eye to offers such as these because they can save you a lot of money. For example, should you need Christmas presents for several men who won’t be present at the same Christmas dinner (a work mate, a long-distance friend, and your dad for that matter), and you find a tempting offer that will suit the purpose, go ahead and use it.

Regifts
Some people would say that regifts are the worst possible idea for a Christmas gift that can occur to you. Truth is that we tend to buy things that we never use, store them in a chest of drawers that we never open. Check your long forgotten stuff ? there might be little treasures among them.

Packaging, etc.
Can you figure out how much you spend on packaging every Christmas? Try not to open your gifts like a reckless spoilt child and keep the packaging of gifts you’ve been given earlier to reuse it for your Christmas presents. This might sound a little cheap. Should any of your friends recognize their packaging coming back to them, don’t hesitate and tell them you’re trying to be a little more environmental friendly.

Opening a Web Store – The Essentials

Nowadays everybody is online. Or will be pretty soon. You can practically find anything and everything on the web, so being there is a must. Selling online might look like any offline business in essence. In fact, there are many specific features that should be observed if you want to run your online business successfully and grow big. We have tried to sum up most of the crucial factors that you need to take into account when kicking off online sales.

The Brand
First of all, think about a unique brand name. You can’t know how big you are going to grow, so make up a brand that will fly you sky high. It is also a good idea to check if the brand you’ve come up with is available and if it is not copyright.

The Domain
If the choice of a brand might look somewhat easy, the choice of a domain name can turn out to be quite tough. And this is not just because it might not be available or because it is too expensive to buy. The domain name needs to be short, easy to remember and easy to read. Mind you, don’t go for a name that might read in different ways such as www.therapistfinder.com or www.speedofart.com ;-)

Security
Many managers of web businesses focus so much on sales that they underestimate the importance of having a secure system. Perhaps security is more important than anything else. It can mean anything from a reliable hosting provider, a reliable platform, secure protocols, and so on. While it may seem tempting to leave these details for the time when you’ve made enough money, in many cases it may not lead you to the best outcome. Leave out from the equation a website monitoring tool, for example, and you will most probably miss many moments when your website is down.

Content
Pay special attention to content too. Writing unique content is a time consuming task, but you can’t go without it especially in the light of your desire to get top positions in the search engines. Don’t forget about ‘minute’ details such as Terms and conditions. Photos and videos are also content which you need to create or pay to have it created for you.

Support and customer care
One thing is the technical side, the other equally important is the human side of providing a perfect service. Make sure that you offer top experience to people while they are vising your website. No one likes to order a product and only later find out that it is no longer available. Timely response to queries is just as crucial to satisfy your online customers or prospect customers.

Marketing
Even if you believe that you sell the best products in your niche and you are convinced that people will get to advertise them word of mouth, you will hardly get anywhere without advertising. The good news is that when it comes to online shops there are plenty of opportunities. Make PPC part of your marketing strategy. Why not go for a Facebook business page? A Google+ page is also a must.

Make it convenient
There is nothing more frustrating to online shoppers than not being able to get a product simply because there is no convenient way to pay for it. Before you start, try to provide as many payment methods as possible at your website. PayPal, Visa verified and so on are obligatory if you want to grow with your online shop.

Analyze
As your business expands it will become even more important to analyze it and be able to understand all details. Go for analytical tools that provide as many data as possible. It is very important for you to note your customer’s habits and behavior so that you can offer excellent customer satisfaction.

Of course there are many other important aspects of online business. But we hope that equipped with these essentials you will never miss a thing upon kick-off. Good luck and may the sky be your limit.

Shop and Save on Halloween Costumes

With Halloween knocking on the door and the difficult times we live in, we often come to think – “How on earth can I have a great party, dress up in a lovely costume but still cope with the expenses”. We all want to party, meet with friends, drink good wine, tour the city and most of all – dress to impress…

Here we will give you several ideas on how to save money on the Halloween fancy dress and still have a great time and look amazing. At the end of this article you might want to jump for joy, as you will have found a fresh way to spend a great evening with mates without incurring tremendous extra costs.

The unsuspected power of discounts
There is hardly a person who doesn’t want to shop at discounts. The Web offers myriad of ways to find special offers and buy a cute and cheap fancy dress, hot nurse outfit, ladybird costume or some other crazy Halloween attire for peanuts. Just go ahead and find yours.

Vouchers, Coupons, Promotional Codes and Collective shopping
The best deals take place online. Online users are constantly on the lookout for sales and lucrative deals. You only need a mobile phone or a computer to find in a flick of a moment thousands of regular and last-minute offers for a Halloween costume. You can search for promo codes, discount voucher codes and so on that give you access to a wide range of great deals.

Facebook – the cornucopia of freebies
Lots of brands use Facebook as their major channel of promotion. That is why they often hold sweepstakes, competitions and promotions with prizes right on their Facebook pages. If you spend a great deal of your time browsing around your friends’ profiles, search for ‘fancy dresses’, ‘Halloween costumes’ and so on on Facebook and you might well get a free gift for being a brand’s fan. Enjoy the game.

You are crafty? Why not DIY?
Many people are skilful enough to sew, embroider or knit their own Halloween costumes. It might sound as a challenging task, but check out some DIY websites for ideas and you might well turn up with a lovely costume compiled by your old clothes, recycled materials, cardboard boxes or paint. All you need is some imagination.

Fancy vintage?
If you plan to take a walk down memory lane, burrow into granny’s old wardrobe for vintage ideas of Halloween costumes. You can easily dress up like an ABBA member, a member of the landed gentry, flapper with a short skirt and bobbed hair, as Bonnie and Clyde or any other character. There are plenty of ideas, and you just need to do some research and then combine the available clothes in a creative manner. By the way, you will be amazed at the fact that years ago clothes used to last for much longer compared to today’s fast fashion.

Second-hand – always an option
If it is vital for you to wear a fresh Halloween attire every year but you can’t afford a new one right at this moment, second hand is always an option. Try refreshing your Halloween wardrobe by picking up a nice offer in your local second-hand store or, even more easily – on eBay. The only thing you have to take in mind when ordering online is the time necessary for delivery and the reliability of the source.

You’ve just been fed with 6 great ideas on how to shop and save on Halloween costumes. Which one looks the easiest to apply in your lifestyle?

How to Choose the Right SSL Certificate for My Website

There are a lot of different types of SSL certificates. It’s not so easy to choose the right one. A lot of people start looking for the cheapest solution, but most of the times this is not the best choice you can make. Imagine that you need new shoes for the winter. You go to the store and see that there is a promotion. You can buy open-toe shoes for only $9.99! Do you think that this would be a good idea for the winter? It’s the same with SSL certificates. You can buy the cheapest cert for your online shop, but it would be the same as walking with open-toe shoes in the winter. Most think that the function of an SSL is only to give you encrypted connection. They say that different types of certificates are made only to cost more. The truth is different. There are three major types of SSL certificates:

1. Domain Validation – lowest assurance SSL. It gives only encryption of the connection without authentication of website owner. Made to secure mainly internal networks. High risk of phishing when used for public websites.

2. Organizational Validation – higher assurance SSL. Contains basic company information. Appropriate for public websites that exchange less sensitive information – for example login pages, web-mails, registration pages etc.

3. Extended Validation – highest assurance SSL. Full authentication of website owner. It colors the address bar of the browser in green and displays the full company name of the domain owner. Minimal phishing risk. Especially designed to protect highly sensitive information such as credit cards, login info for e-banking websites and payment websites such as paypal, moneybookers etc. This is the only appropriate SSL for online shops, payment gateways, bank, insurance and governmental websites.

Now you can see that SSL certificates are not only about encryption. They can also authenticate your business and provide more trust to your customers. SSLs also provide you with insurance. In cases where the SSL was broken and your website hacked, you can apply for the insurance money. Building trust online can be very difficult and choosing the right SSL certificate can help you a lot with that.

Personal Loans for Bad Credit

When it comes to your credit even a few missed payments these days can result in a lender denying you a personal loan. With lenders taking precautions and not really lending to anyone with a blemish on their record, it is hard today to get a personal loan through a bank. If you already own a home and have equity you may be able to get a home equity line through the bank that carries your mortgage. Having an established credit history will weigh heavily in your favor and this is probably one of the best ways to borrow, in comparison to a credit card or other risky and expensive online loans. However, there are personal loans for people with bad credit available.

If you belong to AAA or a credit union these establishments are a lot more lenient on their customers. The rates are low and they go on your personal history taking many factors into consideration such as employment and debt to income ratio, as well as your credit report. By not just using your bad credit score your chances for acquiring a loan are much better and you may find that there are personal loans for bad credit. You may have to settle for one of their higher interest rates initially but you can refinance after a short period of time to reduce the interest.

Depending on the amount you were looking to borrow a secured credit card for someone with bad credit is yet another way to go. While you will need to put a deposit down in order to get the card, after a short amount of time showing on time payments you will not only be offered an increase in your credit line but you will be rebuilding your credit as well. The interest rates are higher than your average card but they will provide you with credit for emergencies. These are available personal loans for bad credit history.

There are some unconventional ways never considered before and for good reasons. Many online lenders advertise daily the promise of getting you the money you need now and without a credit check. While initially this may sound appetizing, one look at the repayment plan should get anyone to immediately change their minds. For some people with terrible credit and no assets, however, it is sometimes the only way to go when seeking personal loans for bad credit. Be careful to only use the service for emergencies and pay back the loan as quickly as possible because the fees can add up to three to four times the amount borrowed.

Instant Payday Loans Online

Everyone, at one time or another, needs cash in a hurry. When your car breaks down and you have no other way to get to work – and your boss will fire you if you don’t show up – you need cash fast.

It’s the first of the month and you don’t have the rent money – you need cash fast.

Your child is sick – and the doctor prescribes meds – but you’re broke – you need cash fast.

When you need cash fast, the easiest, safest way to get it right away is with a legitimate payday loan online.

A payday loan can be used to get emergency cash by simply filling out an online application, or even by applying by telephone. You’ll then get a quick answer and when approved, the cash will soon be in your bank account. As long as you are currently employed, you have a great chance of being approved.

Payday loans are more expensive than other loans – and it pays to shop around and check rates and other fees. And they are designed to repaid quickly, usually within two weeks, although some companies offer extensions.

One company – Discount Advances – meets all of these requirements and offers a 25% discount on your initial finance fee for new customers. Of course, this offer can change at any time, so be sure check with them.

They understand that you are already stressed out when applying for a payday loan. They take customer service to the max! Your complete satisfaction is their number one priority. I don’t have to tell you how important this is when you’re stressed out and borrowing money. They work with you to make sure you understand all the “fine print”, make sure that your application is complete, so that you have the best chance of getting approved for your loan.

DiscountAdvances’s goal is to provide you with Maximum Benefits, Maximum Security, Maximum Service and Maximum Satisfaction with Minimum Paperwork, Minimum Fees, Minimum Hassle and Minimum Time.

Comparison Shopping Websites

Whether you’re buying something online, or in a local store, there’s absolutely no reason not to use comparison shopping websites in order to get the best value. Long gone are the days where you had to hold on to a receipt and watch for sales after you bought something, just in case you could save a few extra dollars. These days, you can do most of the legwork ahead of time, and then buy with confidence, knowing that you’re getting the best deal on the market, sale or not.

One of my favorite comparison shopping websites is Amazon.com, which might not seem like a true comparison shopping site, but actually serves as one because it allows outside vendors to compete with Amazon’s stock. Also, you can usually trust Amazon to have some of the best reviews and prices on almost every item, so they’re great as a basis for your research.

Google Shopping also has a great list of product reviews and price comparisons, as does AOL Shopping and Yahoo shopping. Epinions and Nextag both have great databases of old and new items, usually listing at least 3-4 places where you can buy an item, complete with price comparisons and 1-5 star rankings.

If you’re in the market for electronics, then magazine websites, such as consumer reports, are great places to read expert reviews and get feedback from industry professionals. There’s usually a magazine style comparison shopping website in almost every category, from cars to travel planning, but if you can’t find what you’re looking for, a good strategy is to check a local magazine rack, and then look up their URL on the Internet. Many magazines also list the URL right inside the front page.

Lastly, don’t be fooled by fake review websites that try to lock you into buying a product, or use fake reviews and testimonials. These are easy to find because they rate every product well, and often avoid harsh criticism of products, even if they deserve it. This is one of my favorite reasons for using Amazon – I can actually trust the reviews.

You’d think that in the age of comparison shopping, that many prices across the Internet would be relatively competitive, but sadly, some are still trying to gauge users in the hopes that they don’t find items elsewhere at a better price. However, if you do your due diligence, and compare with local store prices, there’s no way you can’t come out ahead.

Frugal Living Tips

The job market is cutthroat, and the prices of most goods seem to be rising, but that doesn’t mean you can’t keep some money in your pocket. There are plenty of ways to save money, but the problem with most frugal living tips is that they ask you to make impossible changes to your lifestyle. Sure, it’s one thing to cut out a coffee at Starbucks, but most people can’t afford to sell their vehicles and start taking taxis to work, and they’re likely stuck in a house payment that won’t change, no matter how much they wish it to be so.

Instead of trying to do the impossible, why not make practical changes that can help you nickel and dime your way into a comfortable budget? Here are a few ways to do just that.

Coupon Clipping

Many people seem to believe that coupons clipping is old and outdated, but the truth is that coupons have never been as profitable as they are now. With websites selling coupons for pennies, and online retailers sending emails with killer discounts, it’s impossible not to find a way to save money at the store, whether shopping for groceries, or clothes.

Pay Cash for Gas

As gas prices rise, many gas stations have invoked cash only pricing, which means you can save 3-5 cents per gallon when paying with cash. This might not sound like a lot, but when you add it up over a year, it makes a huge difference. If cash isn’t your thing, an alternative is to use a gas credit card, which will likely earn you the same discount. Just make sure to pay it off every month.

Use Credit Cards

Using credit cards with points and cash back bonuses is a great way to get a little bit of a return on every day purchases. It might only be 2-3% per month, but if you spend two grand, that’s $40 per month. You can use that to pay your phone bill.

Walk & Ride

Since gas prices are so high, why not take a break to get in shape by walking or riding your bike to nearby events. It’s not glamorous, but it will save money while helping you get some much needed exercise.

Frugal living isn’t just about cutting out the beer and coffee, but about making changes you can live with. Try these on for size and see how much money you’ll save. Every little bit helps.

What is Groupon

For decades, we’ve been used to seeing coupons in the Sunday paper, and much more recently, seeing discount coupons in email newsletters and weekly circulars, But what’s this you hear about Groupon? This new service, that appears to be sweeping the nation by storm, sounds like nothing more than a fancy name for coupons, right? Well, maybe…

Groupon is what they now call a “daily deals” website, where you can get a brand new discount each and every day, often at levels beyond your typical grocery store flyers. In fact, Groupon deals are so advantageous that they’re often discounted by 50% or more.

So how does it work?

When you visit Groupon, you’ll be asked to enter your zip code and sign up for an email newsletter. When you do, you’ll be emailed a brand new deal, each and every day. Unlike many email deals, the Groupon deals are for local stores in your area, which means that each one offers a potential to save some major cash.

You’ll find deals for everything from movie tickets to spa packages, and everything in between. And since you get a new one every day, there’s no worry about trying to save it for later; you either use it, or lose it.

The best part about Groupon is that the deals are free, and there’s no cost for signing up. If you are a business owner in need of a new set of leads, Groupon works great for getting new customers in the door. The business gets new sales, the customers get a great deal – everyone wins!

How to Redeem a Groupon

When you find a Groupon that interests you, you’ll be given the opportunity to click a link and purchase live, right on their website. When you do, you’ll get a redeemable coupon or coupon code that you can bring to the retailer. While you’ll often get them instantly, there are some cases, such as time sensitive Groupons, where you’ll get the deal at a later time. Either way, don’t worry, your deal is safe. Just make sure to use it before the expiration date, if there is one.

The beautify of Groupon is that it is localized, niche based, and new every single day. There’s also no obligation, so if you get tired of receiving emails, you simply opt-out and move on. If you find that you like daily deals, then check around, because you’ll find that thanks to the success of Groupon, there are now dozens of similar services, each with fantastic deals of their own.

Home Loan Rates

Though most mortgage rates vary by location and bank, the market tends to dictate the high’s and low’s based on a variety of factors, the greatest of which is the interest rates set by the Federal Reserve, in the form of prime rates.

Usually, home loan rates are set just above the prime rate, so the lower the prime rate goes, the lower home loan rates go.

The problem with relying on the prime rate to signal when to buy a house is that the prime rate is lowest when the economy is at its worst, such as the period in the latter 2000’s, and even in 2011. The good news is that when buying a home when the economy is down means you’ll likely get a much better deal, with the downside being that it’s hard to tell if you’re buying during a decline in home values, or if they are at the bottom and trending upwards.

Either way, if you plan on buying, then the best way to get low home loan rates is to have good credit and a low debt to income ratio. In other words, pay off what you can on your credit cards and loans before applying for a mortgage. Doing this will also help you get approved with more purchase power.

While it’s quite typical to see lower rates on 15 year and variable rate mortgages, the most popular package is a 30 year fixed rate loan, where you might pay an additional percent of interest, but will have the luxury of 30 years of fixed payments.

Going with an adjustable mortgage might sound good, but usually the rates skyrocket after the first five years, forcing homeowners to refinance or sell because the payments have gotten beyond their control.

There are several websites that list current home loan rates, but most banks and credit unions post them both online and in their local offices. As of 2011, the lowest rates are just over 3%, while the average is around 4-5%. For those with bad or damaged credit, rates will hover closer to 5-10%, depending on credit score and money down.

If you’re really concerned about getting the best rate on your home purchase, then ask your lender about paying down the rate and/or points. Usually, most banks will give you a reduce rate in exchange for a larger up front sum.

Buying in Bulk and Saving Money

When the economy is tight, it’s likely that most people have tightened their belts as far as they can go. Where else do you turn when you’ve already cut out the lattes, canceled your cable, and started riding your bike to work?

Believe it or not, next to housing, the single biggest money saving opportunity (and expense) for most families is in the grocery department, where buying in bulk and saving money is the way to go.

The problem with buying in bulk though is that the stores selling bulk items intentionally mislead you into thinking you are getting a deal when you aren’t. The trick in buying bulk isn’t always in buying the biggest hot sauce jar, or the largest pack of toilet paper, but buying selectively based on a few key factors.

  1. When buying food items, shop for the cheapest price per ounce, rather than per jar or container. A jumbo box of cereal might look like a deal until you realize that the 4/$5 special is cheaper by the ounce.
  2. Use coupons when you can, and use the extreme coupon shows as an example of how to do it right. When you get double coupons or can buy in bulk to build a negative tally on the grocery bill, then you’re doing the right thing.
  3. Don’t buy things you don’t need, especially if they go bad before you get to use them. Buying in bulk and saving money has a lot to do with buying goods that can be stored for long periods of time.

Some of the most popular items to buy in bulk are:

  • Shampoos, deodorants, razors, and other bathroom supplies.
  • Toilet paper, paper towels, and tissues.
  • Canned goods, such as soups and vegetables.
  • Drinks, such as water, soda pop, and juices.
  • Dry goods, such as grains, legumes, and cereals.

If you can master even a few of these categories, then you should be able to knock 10-20% off your annual grocery bill, and if you add good coupon and circular watching habits, then you might be able to save another 10-15% on top of that.

In other words, if you start buying in bulk and saving money, you could save over 30% on your grocery bill. For a family spending $1,000 per month, that’s an extra $300 to spend on entertainment or paying down debt.

Subprime Mortgage Crisis: The Short Explanation

Unless you live under a rock (in which case you are likely not affected anyway, so go back under there and be safe), you have heard of the economic crisis the United States is currently experiencing. This crisis is shaping up to be the worst thing we have seen since the market crash in the 1930s, and it is having a profound adverse effect on the economy of the rest of the world, as well.

When the US housing bubble burst, the crisis began, and it began reaching critical mass in 2007, with 2008 seeing the collapse of large firms like Bear Stearns and the federal takeover of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation, known as Fannie Mae and Freddie Mac, respectively, among other major events like The Fed’s emergency bailout loan to AIG and Merrill Lynch agreeing to sell itself to Bank of America.

There are many different aspects to this economic crisis, and for each of those aspects, there are multiple adverse effects and reactions that are rippling out across the planet, but the very base cause is the subprime mortgage issue. Increases in loan incentives like easy initial terms and the trend of rising housing prices in previous years led borrowers to take on high or difficult mortgage payments under the impression they would be able to refinance into a mortgage with more favorable terms rather quickly. This coupled with the risky lending practices of the mortgage originators like giving loans to people that would otherwise be considered unworthy of credit, resulted in high default rates when housing prices started to drop and refinancing became more difficult.

Basically, people that could not actually afford it were encouraged to take on high mortgages, being led to believe they would be able to quickly refinance and get the payments down to a more manageable level while still acquiring a nice home. Once housing prices began to fall and refinancing therefore became more difficult, people were unable to keep up those high mortgage payments and began defaulting on payments. The foreclosure rate skyrocketed with over 1 million properties in the US being subject to foreclosure activity in 2007. It is not yet clear where this will end and if the actions the federal government is taking to try to salvage things will work, but there are small signs that the stock market may be recovering, albeit in small increments.

How to Improve Your Credit Rating Fast

All potential lenders, landlords and employers seem to require a credit report before going any further with your loan, apartment application, or job interview. This report shows them exactly what your credit score is, and will alert them to how good or bad your money managing skills are. It also tells these people you really want to impress if you are reliable or not with repaying any debts.

For better or worse, your credit score is the one thing that will follow you all of your adult life. It will make a difference as to whether or not you get the car loan you really want. It will be the thing that makes it possible to be living in a cool apartment, or sends you back to your parents’ basement. A high credit score will put you in that sporty car you crave, or in that apartment where you can invite your friends with pride. Banks will be beating down your door to loan you money.

There is, however, the other side of the story. If you have a below average or poor credit rating, you will be counting change and hitting up your friends or relatives for money to pay large deposits and down payments. Otherwise, you will have no place to live, and no car to drive. However, it’s not all hopeless. There are several ways to pull your credit rating up to an acceptable rating.

All of your financial information will affect your credit score, be it positive or negative. Some of the information will have more an affect than others. When you are trying to make your credit score better, remember to start with the negative factors.

The first thing you need to do is start making any payments you owe on time. All payments are reported to the credit agencies regularly. Your credit score can improve within as little as 3 months just by paying your bills on time.

Getting a copy of your credit report and reviewing it carefully for accuracy is also very important. Sometimes you will find that a creditor has reported you for late payments when you have been making your payments on time. This means you will need to take the time to write a letter to the credit agency to dispute this report, requesting that a correction is made on your credit. Having proof of this will help make this correction take place quickly. If you only have your word for this, it will take much longer.

Open a savings account and keep at least $500 in it. This will help to improve your credit rating. That balance will give you collateral for a personal loan. A bank loan can raise your credit rating faster than anything else.

If your credit rating is particularly dismal, you need to understand that there is not a quick fix. It took you years to reach this point, and it won’t be repaired overnight. But don’t let this discourage you. Instead, look for the light at the end of the tunnel, which should start appearing within 3 months of your improvement actions.