We’ve all been there, standing at a well-lit counter of an expensive store drooling over the latest, greatest material temptation. Sometimes, we give into the impulse to over spend and hand over the plastic without thinking about the fiscal consequences. The good news is you can consider making small changes that will help put you in a better place financially.

 

Make more than your minimum credit card payment. If you’re paying the minimum amount monthly, you’re mostly paying off interest and barely scratching the surface of your actual debt. Check your most recent credit card statements to get an estimate of what your monthly interest is, then look at your budget and see where you can cut a few dollars to pay extra each month. Pretty soon, you’ll be seeing a noticeable difference in your debt.

 

Prioritize debt by highest interest rate. If Capital One is charging you 17% and Chase is charging you 11%, it may be wiser to focus on paying the 17% first. Make sure you make at least your minimum payments for all accounts, but allocate extra money towards the card with the highest interest and the biggest balance first. The sense of freedom you’ll get after seeing all the balances reduced will be uplifting. 

 

Be yourself; share your story with your credit card company. If you are having difficulties meeting your monthly payments, try talking to your credit card company and let them know why. Many companies will be willing to work with you on a payment plan. Just make you are aware of all the contingencies before you agree to a reduced monthly payment.

 

Try to liquidate your assets. Although we aren’t advocating selling your most prized possessions, it may help to comb through your house and sell things that no longer have value for you. If you’ve outgrown clothes, you can always take them to consignment shops. Perhaps there is old furniture gathering dust in your attic that you could list on the Internet. Be resourceful. One man’s trash is another’s man treasure, after all. 

 

Track your spending. If you know where your money is going and how much that $55 sweater really cost you, three months after interest accrued, you may be wary of handing over the plastic.

 

These general suggestions are intended to get you inspired. For advice about debt management, please seek the assistance of a qualified financial advisor. 

 

 

Hello Tina, Nerium leadership will be hosting Regional events across the country between now and Baltimore Fall Bash. Check out the NMD Tour Flyer for dates and locations. You won't want to miss this valuable training. If you are a Senior Director and above and have not attended a Nerium Leadership Academy (NLA) yet, register for one near you today! Hurry and register for these upcoming NLA events before they are sold out! Bloomington MN – September 12 & 13 Register for Bloomington NLA Guest Speakers: 5-Star NMD Darin Kidd  Houston TX – September 19 & 20 Register for Houston NLA Guest Speakers: Gold IMD Mark Smith and Elite Leadership Training Expert David Byrd Edison NJ – September 19 & 20 Register for Edison NJ Guest Speakers: 5-Star NMD Anna Woodward Hot Topics Only 4 more nights for party promotion! Remember, you will need to host your Real Results parties no later than Monday, September 9, to be eligible for the free bottle of Day Cream. Party promotion forms must be sent topartypromotion@nerium.comby September 11. Download Flyer We want to hear your stories! We want you to share your Nerium story at our upcoming Fall Bashes. How has Nerium changed your life? What have you been able to accomplish because of Nerium? Let your story inspire others! Submit your story today, we would love to hear from you.  Share Your Story Slight Edge for Teens registration now open The Slight Edge for Teens workshop is a big hit at Nerium events and we are happy to announce that we will be hosting the workshop at our Fall Bash events! Register your teen today for this engaging 3-hour workshop to be held on Saturday, October 12 in Baltimore. Registration will open soon for November 16 in Long Beach. Register Your Teen

Day Cream and Builder Bonus now integrated in Launch Kit materials With the recent addition of the NeriumAD Age-Defying Day Cream and the exciting new Builder Bonus, we’ve updated several of the marketing materials. All of the kits being mailed to new Brand Partners have the updated versions of these: Reflect Your Youth disc brochure Reflect Your Youth brochure Look Better, Live Better disc brochure Nerium Experience Flipbook Success Planner (including updated audio CD's) Compensation Plan These items can also be purchased in the Nerium Store beginning Monday, September 9, if you want an updated version. The Success Planner and audio can also be downloaded in the Online Business Center. The updated version of the compensation plan that includes information on the day cream as well as the Builder Bonus can be downloaded in the Online Business Center. We have also updated a few other materials to include the day cream: New PC applications New BP applications Product Ingredient List Product Guide Day Cream Flyer Your Online Business Center provides endless resources to support your Nerium business. Check it often for the latest forms and materials.

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