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    30 Year Fixed Rate Mortgages
    For a variety of reasons the 30 year fixed rate mortgage has been the traditional choice of Americans to own a house. Low monthly payments and the security of a fixed rate of interest for the entire duration of the loan, irrespective of the ups and downs in the economy, make it the most popular choice of the masses. This is usually the easiest long term loan to qualify for.The only disadvantage is that the rate of interest is slightly higher when compared to shorter duration loans. So, all you have to do is just wait for the right time when the interest rate is the lowest
    hly fee of about $10-12.

    6. Book, E-book and Magazine Exchanges.

    Do book exchanges with other writers - what you no longer want, they may need and vice-versa! Also, don't forget the library as a wonderful source of many books and several great magazines for writers. Also, visit the websites of magazines; they often have archives or articles from current issues available for free.

    7. Multi-Author Events.

    Organize a multi-author book signing, reading or similar event and let all authors share the cost of space rental, refreshments, advertising, etc. Find a writer in the same genre and go

    How to Know What You Know (2)
    Do you know what you know? You especially need knowledge management in high changing environments; if all remains the same, why should we think about the knowledge we need? Knowledge management is an iterative process of making tacit knowledge explicit and visa versa. But why would you make implicit knowledge explicit?Knowing something without knowing it is very useful. You can just trust on your actions. You can continue with what you did yesterday. The same rules apply. You can delegate as before.But then there has been a structural change. For example:You
    As a single working mom/struggling writer I'm always looking for ways to save money. Many writers probably use the office printer and copier, or "borrow" the occasional legal pad or pen from the office supply cabinet from time to time. Here are some tips that really helped when I was sinking in quicksand financially:

    1. Free Business Cards.

    Instead of paying hundreds of dollars for fancy business cards with your book imprinted on them, use www.vistaprint.com to print free business cards (you only pay for shipping). They have a number of templates you can choose from and their tiny one-line advertising blurb will appear on the back of the card. People will not care. They will likely want to order from vista Print themselves! All your business card needs is your contact information.

    2. Convert files to .pdf for free.

    Many people purchase expensive Adobe Writer or similar programs to convert Word and other documents to a .pdf file. Instead, go to www.pdfonline.com. You can upload your document (2 meg. size limit) and it will be converted to .pdf and emailed back to you, all within minutes. This is a free service!

    3. Post Office Box

    Writers love to rent a post office box to retain their privacy. In order to save money, share a post office box with someone you trust who lives nearby. Rent the smallest box you can afford to rent and make sure to stop by every day so the box doesn't get too packed with stuff.

    4. Free Websites.

    Use free websites; no one cares if there is a banner on your webpage. I use www.godaddy.com. Some free websites have space limitations, and for that you can simply convert files to .pdf to save space. I have an electronic media kit as a pdf file that contains book covers, purchase information, reviews, etc. It takes up very little space.

    5. Free Faxes.

    There is no need to purchase a fax machine, run up phone bills each time you send or receive a fax, sneak and use the office fax machine or run to Mail Boxes Etc. each time you need to receive a fax. Visit www.efax.com. You will be provided with your fax number. When people send you a fax, that fax will be converted into a graphic image that will then be emailed to your email account. You simply open the file but first you have do to a one-time installation of their software program that opens the file (also free). If you also want to be able to send faxes from your computer, it will cost a monthly fee of about $10-12.

    6. Book, E-book and Magazine Exchanges.

    Do book exchanges with other writers - what you no longer want, they may need and vice-versa! Also, don't forget the library as a wonderful source of many books and several great magazines for writers. Also, visit the websites of magazines; they often have archives or articles from current issues available for free.

    7. Multi-Author Events.

    Organize a multi-author book signing, reading or similar event and let all authors share the cost of space rental, refreshments, advertising, etc. Find a writer in the same genre and go o

    Direct Mail Success-Some Tips To Getting Your Mail Pieces Open
    Direct mail success, it’s easier than you think…When you send out mail to clients or potential clients, you can make your mail piece stand out from the junk mail that they receive. Here are a few ways to get their attention and achieve direct mail success.You can start by hand addressing the envelope. Or find a “hand writing” style font to print on to the envelope. The typical preprinted labels basically scream that it’s a mass mailing. Addressing the envelopes by hand will really portray that personal touch and is one of the first keys to direct mail success in my
    ng blurb will appear on the back of the card. People will not care. They will likely want to order from vista Print themselves! All your business card needs is your contact information.

    2. Convert files to .pdf for free.

    Many people purchase expensive Adobe Writer or similar programs to convert Word and other documents to a .pdf file. Instead, go to www.pdfonline.com. You can upload your document (2 meg. size limit) and it will be converted to .pdf and emailed back to you, all within minutes. This is a free service!

    3. Post Office Box

    Writers love to rent a post office box to retain their privacy. In order to save money, share a post office box with someone you trust who lives nearby. Rent the smallest box you can afford to rent and make sure to stop by every day so the box doesn't get too packed with stuff.

    4. Free Websites.

    Use free websites; no one cares if there is a banner on your webpage. I use www.godaddy.com. Some free websites have space limitations, and for that you can simply convert files to .pdf to save space. I have an electronic media kit as a pdf file that contains book covers, purchase information, reviews, etc. It takes up very little space.

    5. Free Faxes.

    There is no need to purchase a fax machine, run up phone bills each time you send or receive a fax, sneak and use the office fax machine or run to Mail Boxes Etc. each time you need to receive a fax. Visit www.efax.com. You will be provided with your fax number. When people send you a fax, that fax will be converted into a graphic image that will then be emailed to your email account. You simply open the file but first you have do to a one-time installation of their software program that opens the file (also free). If you also want to be able to send faxes from your computer, it will cost a monthly fee of about $10-12.

    6. Book, E-book and Magazine Exchanges.

    Do book exchanges with other writers - what you no longer want, they may need and vice-versa! Also, don't forget the library as a wonderful source of many books and several great magazines for writers. Also, visit the websites of magazines; they often have archives or articles from current issues available for free.

    7. Multi-Author Events.

    Organize a multi-author book signing, reading or similar event and let all authors share the cost of space rental, refreshments, advertising, etc. Find a writer in the same genre and go

    Introducing Gano Excel - the Company Behind Your Success!
    When you are the boss for your very own home based business, you need to know what’s going on around you at all times. Gano Excel is a business opportunity company, and to really be the best business owner you can be, you need to know the company you are working for inside and out.The Gano business is currently a debt free company, in forty two countries around the globe and growing , as well as, over a billion of servings of Ganoderma annually, and over three million consumers worldwide.Gano Excel doesn’t just own the world’s largest organic ganoderma plantation,
    heir privacy. In order to save money, share a post office box with someone you trust who lives nearby. Rent the smallest box you can afford to rent and make sure to stop by every day so the box doesn't get too packed with stuff.

    4. Free Websites.

    Use free websites; no one cares if there is a banner on your webpage. I use www.godaddy.com. Some free websites have space limitations, and for that you can simply convert files to .pdf to save space. I have an electronic media kit as a pdf file that contains book covers, purchase information, reviews, etc. It takes up very little space.

    5. Free Faxes.

    There is no need to purchase a fax machine, run up phone bills each time you send or receive a fax, sneak and use the office fax machine or run to Mail Boxes Etc. each time you need to receive a fax. Visit www.efax.com. You will be provided with your fax number. When people send you a fax, that fax will be converted into a graphic image that will then be emailed to your email account. You simply open the file but first you have do to a one-time installation of their software program that opens the file (also free). If you also want to be able to send faxes from your computer, it will cost a monthly fee of about $10-12.

    6. Book, E-book and Magazine Exchanges.

    Do book exchanges with other writers - what you no longer want, they may need and vice-versa! Also, don't forget the library as a wonderful source of many books and several great magazines for writers. Also, visit the websites of magazines; they often have archives or articles from current issues available for free.

    7. Multi-Author Events.

    Organize a multi-author book signing, reading or similar event and let all authors share the cost of space rental, refreshments, advertising, etc. Find a writer in the same genre and go

    Google Make Money Fast Techniques
    The most powerful tools online for anybody who wants to make their money fast all have the name Google on them.There are at least three major search engines in the market, but it is the youngest of the three, Google that is so important that SEO experts usually ignore the other two and concentrate all their efforts on Google. And not without reason. The volume of traffic a popular keyword phrase indexed at Google can bring to a site can be so huge that the site owner can't go wrong if they want to make money fast.One of the most popular ways to make money fast on t
    Faxes.

    There is no need to purchase a fax machine, run up phone bills each time you send or receive a fax, sneak and use the office fax machine or run to Mail Boxes Etc. each time you need to receive a fax. Visit www.efax.com. You will be provided with your fax number. When people send you a fax, that fax will be converted into a graphic image that will then be emailed to your email account. You simply open the file but first you have do to a one-time installation of their software program that opens the file (also free). If you also want to be able to send faxes from your computer, it will cost a monthly fee of about $10-12.

    6. Book, E-book and Magazine Exchanges.

    Do book exchanges with other writers - what you no longer want, they may need and vice-versa! Also, don't forget the library as a wonderful source of many books and several great magazines for writers. Also, visit the websites of magazines; they often have archives or articles from current issues available for free.

    7. Multi-Author Events.

    Organize a multi-author book signing, reading or similar event and let all authors share the cost of space rental, refreshments, advertising, etc. Find a writer in the same genre and go

    Writing an MLM Business Plan
    When considering whether or not to start a MLM business, first you need to write an MLM business plan. This will put a lot of things into perspective. An MLM business plan helps to put your ideas into action by defining what your business will be, what will be your goals, and how you plan to execute your business. Various parts of an MLM business plan include a balance sheet and a pro forma (projected) income statement.If you plan on obtaining financing for your MLM business, an MLM business plan is a necessity. Investors will want to know how you plan to use their mo
    hly fee of about $10-12.

    6. Book, E-book and Magazine Exchanges.

    Do book exchanges with other writers - what you no longer want, they may need and vice-versa! Also, don't forget the library as a wonderful source of many books and several great magazines for writers. Also, visit the websites of magazines; they often have archives or articles from current issues available for free.

    7. Multi-Author Events.

    Organize a multi-author book signing, reading or similar event and let all authors share the cost of space rental, refreshments, advertising, etc. Find a writer in the same genre and go on a local book tour together.

    8. Share Subscriptions.

    Share the cost of online or print subscriptions with another local writer you trust or exchange publications once you are through reading them. For example, have one person subscribe to Writer's Marklet and have the others reimburse for their share. Everyone gets the id and password and saves money!

    9. Printing Tips.

    Try to print as little as you need to, and make sure to print in DRAFT mode to save ink. You may find it actually cheaper to print from your computer to your local Kinko's using software you can pick up on a cd from them for free. It's cheaper to have them print your 100 page book draft than for you to go through 2 toner cartridges. You can upload and order the printing and then you need to give them a 4-hour turnaround time, though sometimes it's quicker. Or, go there in person of course with your cd or diskette to have them print it.

    10. Share Advertising and Event Costs.

    If you are advertising your book, work with other local writers and design a flyer showing all authors' books that all of you can distribute. That's more coverage for all of you. Also, share a booth or tent at a book fair with other authors and divide the cost.

    These are just a few ways in which writers can save money on their own and by working with other local writers they have some to know and trust. So take these ideas to your local writers group and see what other ideas you can come up with together! If you have tips to share, I'd love to hear them!

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