Challenges in Budgeting Your Business’s Finance

Financial setting is one of the most important factors in your business to grow successfully. However, it is not something easy to manage because there are challenges when it comes to money. It is not only about how much profit you should get in a year. It is also about how you manage your money to make successful growth of your business. Budgeting your money is necessary because it is a way for you to map out your business financially for the future. There are many people who get stuck in a business debt instead of gaining profit. 

Budget challenges in business

Budgeting is important but not many people pay attention to it. Most people expect for gaining profit and prepare for the worst. Lots of business owners refuse to budget their business’ finance because they don’t feel like it. They see it as too complicated and time-wasting practice. However, it can save your business in so many ways. It needs dedication to budget your money but it’s worth it in the end. You don’t know what kind of financial crisis you might end up suffered from in the future. Budgeting can help you to at least be more ready to face the challenge and survive any crisis. 

Challenges in Budgeting Your Business’s Finance

Building and Maintaining Financial Future

Budget is important because it can help build and maintain healthy financial future for your business. It is also important to know that budgeting doesn’t have to be so stressful. It is a set of guidelines to manage your money. You can set up your own system that fits your way of working. What you need to know is the basic of budgeting then adjust it to the system you think fit the most with your business value and goals. 

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Difficulties in Tracking Down Things

As for the challenge, you should expect it because every process in business has its own challenge and risk. Lots of people think budgeting as complicated thing to do because they have to keep tracking down every single penny they spend in each month. However, it doesn’t have to be that complicated and detailed. What you have to do is get the picture of your expense then plan your own financial goals. Or, you can use automatic system to make tracking process more efficient. With general idea of your major expense and income, you can start budgeting. Several common expenses of your business include utilities, rent, transportation, loans, travel, savings, etc. 

Monitor Money Spending

Another challenge is to monitor and track everything regarding to your money. It is not easy to do. However, it won’t be that stressful anymore if you use apps to help you manage your budget. Apps and programs are available. You can just choose the one that is the most efficient in helping you with the budgeting. The apps or programs are usually integrated with your credit card transaction, bank accounts, investment, etc. the next challenge is to stick on the budget you set. It is easy to use credit anytime you want but it is not good for your business financial health. Instead, you can use cash to pay for every expense in each month. 

Three reasons to have a scuba diving vacation for beginners

What is your plan for the next vacation? Scuba diving? What a perfect choice, really! Even if you have never experienced scuba diving before, you can still enjoy your vacation to the fullest. Scuba diving vacation for beginners will let you see the world differently. Other than planning to have an ordinary vacation on the land, it is time for you to seriously consider scuba diving. There will be an endlessly long list of full of reasons why you should have a scuba diving vacation, but now just check out three of them!

Reduce stress with scuba diving vacation for beginners 

Scuba diving vacation for beginners can really be your escape from the noise of the mainland world. The underwater world is so rich in variety of sea creatures that are so beautiful and magnificent. But, that is not the only thing that the sea has to offer to you. Once you jump into the water from the boat, all the sounds you consciously or unconsciously hear will suddenly disappear. By this time you will only hear the voice of your own breath and the unique sounds resulted in the water. The way that you breath under the water will also be a great stress reliever since this will increase the amount of oxygen in your blood. 

Scuba diving is cool, easy and safe

Scuba diving is not a difficult recreational sport, it only requires a bit more attention when learning it. This is due to the fact that there are several complex scuba diving equipments that might still be unfamiliar with you and also because the activity itself will somehow risk your life if not properly conducted. Scuba diving vacation for beginners is a great way of starting to dive. There will be a professional instructor who guides you to first get the certificate of scuba diving for beginners and makes sure that you are ready to explore the underwater life together with other amazing divers. 

Related Stories: Best Scuba Diving Cautions to Be Aware of for Beginners

There are countless of diving spots to explore

When speaking about diving spots, this planet has so many offerings for you. Our planet has 70% of its part covered with the world’s ocean. Imagine how large the mainland already is and imagine that where we are living is only 30% of the planet’s surface. So, wherever in the world you are going, there will be some diving spots to explore. Your scuba diving vacation for beginners can really start at any point on the globe. 

How To Create Effective Quality Content Marketing

In business marketing, internet is one of the most powerful tools to use. It is also proved to be effective marketing tool to attract customers. Modern customers spend most of their time online. Therefore, it is a great place to attract them. Internet should be included in to your business foundation. However, another factor that’s just important as internet itself is the content. You won’t attract your customers without making high quality contents, especially because modern customers are smart enough to differentiate which one is worth their time and not. 

High quality content marketing for your business

It is true that business requires actions that need thorough plan and estimation. There is no room for careless actions because every decision has its consequences. Content production is quite challenging especially if you don’t target specific customers. You won’t know what kind of contents to attract them the most. So here are several tips to create high quality contents effective for your business marketing.

High quality content marketing for your business

Decide your target audience specifically

You have to target specific audience because they are varied from age, interest, and demand. If your content is too general, you won’t attract any of them. Therefore, you should conduct a research to identify your target audience.  When you decide target audience, make sure to create contents to raise your brand awareness. There are several option to decide your target audience. You can identify your current customer base or find another factor such as age, gender, level, occupation, background, etc. 

What kind of content you are going to create

There are various types of content you can make. You can choose to use only one type of content. However, it is also possible to combine all types to attract more audience. You can create video, blog, or templates contents. Some content types might not suitable with your brand so you can decide yourself what type to use instead.  

Choose the right tools market to publish and manage your content marketing

Managing content is not easy. Thus, make sure to not only choose effective, mainstream tools market but also the one that is helpful. Choose tools that can help your work easier. Therefore, you won’t waste your time trying to figure out how things work. 

Choose particular style of how you deliver the content

Every entrepreneur must have their own trademark in how they deliver their content. Some of them try to match with who their customers are. For example, some of entrepreneur use formal language in their content since their majority of customers are people involved in business management and industry. You can decide your own tone to make you different from others. You can be friendly, playful or authoritative. However, make sure that regardless of the tone, your messages are honest, reliable, and direct. 

Content management is part of important aspects in business you should develop because it keeps growing. Running a business in this modern world requires you to keep up if you want it to keep growing in the long run. 

What to Look Before Booking A Surf Camp in Bali

When you talk about surfing, it’s hard to not to think about Bali. This little beautiful island in Southeast Asia is a worldwide popular surf destination since wave riders first found its incredible waves back in the ‘30s. Now surfing in Bali has become one of the prime itinerary for many travelers who flocks to the ‘Island of God’, fulfilling the alluring call of the swells and barrels. Whether it’s their first or hundredth time riding the waves, going to surfing camps to enjoy a sunny surfing holiday is definitely a good idea. To ensure the best holiday experience, here’s what you need to look at surf camp in Bali before choosing one.

What to Look Before Booking A Surf Camp in Bali

Does This Surf Camp Bali has All-Inclusive Package?

One of the reason surfer loves surf camps is their practicality. It’s a perfect lodge for surfers who usually have more needs than regular travelers. Know that beside meals and accommodation, you need other surf-special equipments. You gonna need surfboard, wetsuit, and proper guest surfboard storage (if you are bringing your own). Make sure that the surf camp at least has a surf rental that you can rely on. This is especially important if you are a total beginner who just learn about surfing. Having an all-inclusive package of at least beds, breakfast, and surf equipment rent helps you to stay in budget and get everything you really need. A surf camp would have plus points if they also provide creature comforts such as laundry, free Wifi access, free parking, bike rentals, private bathrooms, and alternative diets on their menus, but it might adds up to the price. 

Do They Have Good Surf Materials? 

If you have time to visit the surf camp in Bali that goes in your list, take the chance to see how they take care of their materials. Does the wetsuit looks old and worn-out? Is the surfboard showing unpromising signs like delimitation or repaired breaks? Do they have regulation of changing their materials every several years? Do not make typical surfer mistake. You don’t have to accept an outdated condition for a bargain price. Because you pay for their service, you deserve to get the best of it. 

Read More: Best Surf Camp in Morocco – What to Expect?

Are the Mentors Qualified?

When you sign up for surf camp in Bali, you will be assigned to a surf instructor to teach you al the skills you need to master. Most of the times, you will share the instructor with a small group of other surfers throughout your entire stay. You want to have the best mentor as possible, so make sure they are qualified to do so. A good instructor is not only the one who shares all the secret techniques of surfing, but someone who also radiates good learning vibes. They will tech you, corrects you, encourage you, and get as excited when you manage to stand up on the board for the first time. 

Can You Find the Surf Camp Bali in Trip Advisor? 

Finding the surf camp you like in TripAdvisor with good ratings and reviews is a good sign. This is a place where you could find honest reviews. If the majority of the reviewers are giving 4 stars and positive comments, you could be sure that the camp is really that good. 

Location of the Surf Camps

By now, you will have known that Bali has more than a handful of surfing spot across the island. As such, Bali has a lot of surf camp choices flourish in popular surf destinations. Thinking about the right location that suits your skills and interest is necessary. The surf camp should be located where the waves is rolling, is near the waves that match with your current abilities, and preferably close to public facilities. Staying in a quiet surf camp on secluded beach might sounds idyllic. But it might means you need to take a 30 minutes bike trip to the nearest ATM and convenience markets. 

Best Spots for Scuba Diving for Beginners

You have just received your open water certification and now you cannot wait for your first dive. The underwater is waiting with stunning coral reefs and brimming marine lives! However, not all dives is suitable for rookies. Some are too cold, some has muddy visibility, and some others are too strong in currents. As a new comer in the world of diving, you want to dive in fairly easy surrounding. Your first few experiences in diving should be enjoyable, enriching, and give you enough stimulants to adjust in the open ocean. Here, we have compiled our recommendation on best worldwide dive sites for beginners. Keep reading!

Best Spots for Scuba Diving for Beginners

Ideal Diving Sites for Beginners in All Around the World

The Cayman Island, Carribean

The Cayman Island is famous as one of the best scuba diving spot for beginners. It has among the clearest water and highest visibility in the world for all year round. the visibility on this calm, turquoise water could reach up to 18-30 meters or 80/100 feet. Located in the middle of tropical Caribbean Sea, the water temperature of Cayman Island stay at around 26-28°C/78-82°F, which is perfect for either first timers and professionals! The Grand Cayman is the most popular destination, but the Sting Ray City would be one of the spot you love the most. Is the most shallow site you can ever find, where you only need to descend about 3-5 meters to reach the bottom and see squadron of passing stingrays!

Bali, Indonesia

Bali might be identical with towering ‘Pura’ temples and surfing beaches, but the less touched underwater world is a no joke. A part of the world’s coral triangle, Bali’s seabed is blooming with colourful corals and teeming marine life. The Island of Gods’ has three recommended diving sites for beginners. The Nusa Lembongan is great to dive in relatively shallow water and get a chance to meet with Manta up close. Amed is bright and brilliant with warm water and magnificent reefs. It’s just around the corner with the next recommended site, Tulamben. The Tulamben is notoriously famous among beginners as it has weak currents which is ideal for someone who just begun to know the ocean. The visibility is excellent, reaching 10 to 30 meters under good weather. It’s a drop-off site where you could just descend to the dive site from the beach. The water is alive with eagle rays, giant parrot fish, schools of lionfish, dog tooth tuna, to black tip sharks. 

Read More: Scuba Diving Lessons For Beginners and How To Choose Training Agencies

The North Male Atolls, Maldives

Maldives is huge among divers and it’s highly recommended diving place for rookies. One of the most popular is the North Male Atolls, adorned with healthy corals and abundant marine life. The warm water helps diving adjustment easier for the beginners. 

The Visayas, Philippines

Being in the heart of the world’s Coral Triangle blessed the Visayas, Philippines, with crazy rich concentration of concentration of corals and tropical marine life. An ideal site for diving newbies,  the water is warm almost all year round with crystal clear water and high visibility. 

How to Run Family Business Successfully

Lots of people say that running a business with family is like asking for disaster. However, it is not entirely true. It is true that running family business is challenging is so many ways especially when it comes to setting boundary and professionalism. However, it is not impossible for you to run a business with your family members successfully. If you can tackle down the challenges and deal with every hassle successfully, your business will do just fine and it will be so rewarding because you reach success together with the people you dear the most.

Running a business with family members successfully

Every business owner has their own approaches and strategies to run a successful business. Every type of business also has its own risks and challenges to deal with. As for family business, you can run it successfully along with your family members if you do it right. Here are things you can do to run family business successfully.

How to Run Family Business Successfully

Set Clear Goals and Directions

Discuss everything thoroughly and professionally from the beginning and find purpose. It is important to find purpose and set goals even it is family business. You need to set target so you and your family members know where to go. You know the direction of your business so even if there is conflict in the future, you can remind yourself the purpose and goals you have set together from the start. Also, make sure that the intention to run a business together is not just a flux.

Planning

Prepare and plan everything thoroughly and in detailed. Business should be treated like a business. Thus, you need to make business plan from the beginning. You need to sit together and discuss about everything regarding to the business including financial setting, marketing strategies, responsibilities, and many more. Do not skip anything even though it is minor thing. The more thorough you plan, the more effective your business will be.

Set professional boundaries

You also need to create written and formal agreements just like when you do with non-family business partners. Written and legal agreement is like your manual how to run the business with each other’s role and responsibilities. This way, you don’t have to question your responsibility because everything is planned and agreed beforehand through written contract/agreement.

Be Professionals

Working professionally along with family members can be very challenging. However, you don’t have to be over-stressed about it. It might be hard in the beginning because you are still adapting to how you interact in professional environment. However, you also just need to enjoy comfortable feeling when you are working with family members. There is no awkward moment so it should motivate you to focus more on your tasks.

Open Mindness

Try to always be open-minded. You and your family members have the same upbringing and family tradition so it’s common to tend to be close-minded. It is understandable because your mind has used to revolve around similar things. Thus, always remind yourself and your family members to learn something new so it is not too hard to find new ideas and create innovation for the business.

Protecting the Ocean on Scuba Diving Vacation for Beginners

When you are new into diving, you might put larger portion of your focus to basic diving techniques, adjusting to the newly discovered underwater environment, and mainly surviving your first dives in the open ocean. You might not be entirely familiar with rules and manners underwater. Firsts scuba diving experiences could be entirely overwhelming for beginners. Everything is happening at once, everywhere you go there’s beautiful coral garden brimming with school of fishes. In the midst of this alluring beauty, it’s easy to feel complacent and accidentally harming the marine wildlife in the process. Don’t be a foolish diver. Here’s what you need to do.

See Everything, Touch Nothing

When you dive to the ocean, you are a guest. The wildlife is the host. Be a good guest by never touching anything you have in sight. Your dive operators should inform this to every session of scuba diving for beginners. Never touch fishes as you could potentially break the slimy mucus on their body. Marine animals need it to protect them from infections and help them deter from predators. Never pick up ANY animals just to take a closer look at it. And yes, that’s include holding that cute starfish. Under any circumstances, do not ride animal—turtles has been a victim of this abuse for so many times. Never, ever, snap a branch of coral reefs. No token should be taken from the sea!

Avoid Entry and Exit Points Over Shallow Coral Reefs

On scuba diving for beginners lessons, you learned a lot about techniques of entering and exiting waters. While most of your time is devoted on practicing the right techniques, many beginners are unaware of the surroundings. You see, enter and exit points should never be done over shallow coral reefs. Corals are very delicate and a minor sweep from your fins could damage their bodies. They need years to recover! 

Scuba Diving for Beginners Should Watch Where to Adjust Equipments

Choosing a coral-packed diving destinations is actually risky. You get impressive sceneries to enrich your diving experience, but you potentially harm the natural surrounding. Some of new divers even go as far as standing on top of corals where they are resting or adjusting something. That’s a big no-no! For the love of Poseidon, please avoid coral-dense sites if you can’t control your buoyancy yet. Even stray fins could stir up sands on the seabeds, causing serious blocking that renders corals to get on sunlight. Without sunlight, it’s hard for corals to survive. Beginners should be advised to be entirely comfortable with their equipment so they don’t cause unwanted accidents. If you need to adjust something, go up to the deck or the ship before going back to the water again. 

Read More: Bali Indonesia Diving, The Perfect and Ideal Adventure Destination

Avoid the Temptation of Feeding the Fish

This is the hardest temptation of scuba diving holidays for beginners. As someone entirely new to diving, it’s natural if you want to draw the attention of the fishes. However, many people do it the wrong way. Even the dive masters themselves. Irresponsible divers try to lure fishes by bringing some fish food/ baits. This could discourage fishes from performing their natural purposes; e.g, cleaning algae from coral reefs/ dead skin of big fishes. 

Try Your Best to Not Cause Disturbance

Marine animals are, essentially, just like other animals. They could get stressed from human’s natural disturbances and get sick as consequences. Make sure your dive operators are taking divers in small group. Don’t get too close to fishes. Adjust the brightness of camera’s flash that can stress out delicate creatures such as pygmy seahorses. 

How to Sustain Your Business In The Long Term

There is a saying states that you should treat business like a business if you want it to grow successful. It is true. Of course, every individual may have different reasons why they jump into business. Some people do it because they love it and some others do it due to needs.

sustain long term business

Every individual also may have different goal when they decide to run their own business. However, there is one important principle for successful business; treat it like a business. If you run a business half-heartedly or do it as your hobby, it will be harder to reach success that will last in the long run.

Read More: DIY Social Media Optimization For Your Business

Sustaining the success of your business

Running a business requires hard work. You also need the right approach to reach your goals. Besides, you cannot do it all alone. You need to build a solid, reliable team that can help your business to remain in the long run. Here are things you should do if you want the success of your business remain in the long term:

  1. You should commit to what you do. You cannot treat it like casual thing. It is not something you can tend to only when you have spare time. If you want your business to grow successfully, you need to make time for it. You have to be fully committed to your business. Therefore, you can focus on achieving your goal. Keep in mind that business is more than a side project, especially if you have high expectation.
  2. You also should set clear goals and objectives. When you treat your business like a hobby, the purpose behind it may only be for fun. However, it will be different when you treat it like a business. You need to set clear goals driven by passion and ambition. Goal is one of important element that can drive you to run business successfully in the long run. When you have goal, you have motivation to keep going and do it seriously.
  3. To sustain your business in the long term, you need to work hard and work smart. It is not a secret recipe for successful business. First thing first, you have to love what you do. If you already dislike your business, it is hard to find motivation to success. When you love what you do, you will find ways to make it work. You won’t hesitate to work hard. In addition, you also need to work smart to sustain your business in the long term so that you can find efficient and effective strategies to make it work.
  4. It is also great to know your value and how to use it to your benefit in running business. You have to understand who you are and what you are capable of. Of course, it also means you have to know your weaknesses. You can run a business based on thing you love. However, it won’t work if it is something you are not good at. Thus, make sure you know and understand very well your own value.

Cheap Surf Charters: 3 Step to Get Affordable Experience

Surf charters are what you will need when you are thinking about the luxury and more comfortable adventure in surfing. But, starting to experience one can spend more of your travel budget since it is involving the boat as well as the onboard services along with all crews and facilities. The good news is, there are always the travel hacks you can do to make the surfing charter becoming more cheaper or at least you should not pay more than you should.

Steps to get cheap surf charters

How much have you been hearing the surf boat charters will cost you? What about that surf package will be started from $70 per night/person? There are also some others that can reached up to more than $800 per day. Even for a day surfing, the chartered boat will be so much expensive than that and you may end up paying for $1,500 a day.

Get cheap surf charters through these ways

I may not rich, but it is still too much for everyone. Price is relative for some people, but we surely know which one go cheaper and which doesn’t. And here are steps how you are getting it cheaper right before you are packing your stuffs.

1. Find the surf operator that have various boat option to choose

If there will be someone asking me which is the best surf charters that worth your money and adventures, then my only one answer is Nomad Surfers company. That’s it.

It is because they have so many boats and you can find them at almost anywhere in this world. The company is operating in all continents and the boats are serving the travellers that are requiring to spend their holidays by surfing in the popular spots in the world or choosing the hidden ones.

The $70 per night is the company’s rate and it is operating and also sailing in Komodo Island sea in Indonesia. But like I say, they have got more destinations, spots, ocean, various boat design, etc.

2. See if there will be the cheap surf boat charters package offers

Surfing is popular and it is one way to spend the holidays. We also have been realising for long that any kind of travel ideas are being sold in various package.

If you have got the surf company as I recommended on above, then you will only need to see about what are they offering to you. Doing this may allowing you to find the promotional surf boat chartering whether for you alone or when you are coming with your bros.

3. Forget about the “luxury” surf adventure! You’re not really need that

Travel companies will keep on telling you everything beyond your own imagination. They will whispering you about how luxury it is to chartering the boat and spending your holidays with them.

The thing is that, as long as you are safe, the foods and drinks will be served on boat, you’ve got room to take a rest comfortably, than that will be your own luxury.

Surf charters will mostly allowing you to spend times in the ocean and you are not actually need to have the luxury settings of the boat you are going to charter. Your body will be salty enough and that’s really not a great match to luxurious trip.

Read more: A Curated Tropical Trip with Komodo Boat Charter

Moreover, the real luxury surf charters are so much expensive where a week of chartering the surf boat, you can spend 2 or 3 months in beautiful island of Bali.

Have you got the idea about the other ways to get the cheap surf charters in anywhere?

The Importance of Wellness Traits in Business

Managing your own business requires you to create positive and effective working environment. Running a business also requires well management. It is not easy to create but it is not impossible to achieve. It may take time until you can create a solid team in effective working environment.

Working with wellness traits in workplace

However, your attempts is worth it. Business is rewarding but is can also challenging due to negativity because working environment is full of pressure. Creating and maintaining healthy workplace is not easy but you can do it for sure.

Working with wellness traits in workplace

The workplace where you run and manage your business should be in positive, healthy, effective condition. Thus, everything will go smoothly and positive result is more likely to happen. Besides, healthy workplace can also help increasing productivity. There are common set of traits in healthy workplace you need to know so you can start encouraging and building them:

  • Open, clear, and honest communication – This is one of the most crucial element in the workplace. This trait sounds simple to create. However, it is also challenging in some ways because every individual in your team has their own characteristics which can influence how they communicate to each other. However, you can encourage more open and honest communication. This is more effective in solving problems because everything is viewed through objective lens. When all in the team understand the value of this trait and practice it, they will view feedback as an opportunity to grow and work better.
  • Respect, understanding, and compassion – These traits are important to practice within workplace for more effective business. One might think that in business, professionalism is the only trait that matters. However, respect, understanding and compassion are also essentials because those can make everyone feel more valued and appreciated. People tend to act kindly when they are treated with respect and understanding.
  • Cooperation and support are also wellness traits which are very important in business. You see, you can go faster alone but you can reach farther in team. However, a team won’t work without cooperation and support. When you can create a workplace with those traits as the evidence of the wellness, healthy competition will emerge.
  • Sense of humor is also a trait you need to practice in the healthy workplace. Business is about professionalism but adding some sense of humor won’t hurt. In fact, it can lift up the mood of everyone. Business is full of expectation and goal so it is common to feel overly-pressured or stressed. Humor can drive happiness and laughter can generate endorphins. That’s where natural antidepressant emerges to help everyone in your workplace feel less stressed.
  • Flexibility in business is also wellness trait you need to practice along with your teammates. You see, there are many challenges in business such as rapid growth of technology, demands, and many more. If you cannot be flexible, you will get easily left behind. Change does happen and you cannot avoid it if you want your business to strive. Flexibility is one of the most important traits to deal with it.