Money Tips That Will Help Pay Off Your Debt Sooner

Like most people, you’re probably dealing with some type of debt. It can be a huge burden, especially if you’re juggling payments with other expenses while saving for your future financial goals. If any of this sounds familiar, you could probably use some suggestions on how to start tackling that debt. While earning more money can certainly assist you with paying off your debt faster, it’s not the only option.


Sometimes you have to get creative and develop better financial habits, check out these helpful tips to get you started.


Realistic Budget

A budget is basically a specific spending plan for your money. It’s typically the best way to meet any financial goal, especially when you need to pay off debt. But make sure that your budget is realistic, otherwise it won’t be sustainable. When creating your budget plan, be sure to include categories for extra debt payments, but remember to include fun and entertainment! That way you won’t feel so deprived. Find other ways to reduce your spending, cutting back your phone bill, not dining out as often, etc. When you leave some room in your budget plan for fun stuff, it’ll make it easier to stick to it!


Track Your Spending

This is a crucial habit to develop, regardless of your financial situation. If you aren’t tracking your spending, you’ll find that you’re spending money on things you didn’t really want or need. Spend with a purpose, don’t waste it. There are many applications you can download and use to help track your spending automatically. Mint is a great tool to use for starters, or you can simply take a few minutes every other day to take a look at your bank account statement and categorize your expenses with your budget plan.



Frugal isn’t being “cheap”. Being frugal will allow you to be clear on your values, separate your wants from your needs and become more resourceful when it comes to living the life you want. Just because your expenses are low, doesn’t mean you won’t be able to lead a comfortable lifestyle. Being frugal may be a necessity at first for most in order to save money, but often times it becomes a choice.


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!

Buying The Right Insurance For Your Small Business

Running your own small business can be exciting and stressful all at the same time. With so much going on, it’s important not to forget that your insurance coverage should be a vital part of your business strategy. If something happens and you don’t have proper coverage, there might be little left to worry about.

Here are some tips for finding the insurance you need without blowing your budget:


Use A Broker
A brokerage has access to a variety of different markets so they can shop around to find the best price and coverage for your needs. A brokerage also does the work for you by making sure the insurance company is reputable and financially stable.


A Good Relationship
You need to be able to trust the company and the people that you’re dealing with. Do they understand your business and your needs? Do they communicate information in a way that’s understandable and convenient for you? Are they responding to your questions and requests quickly? You want to feel confident that they’ll be there when you need them most.


The Right Coverage
It’s important to make sure you have both the right type of coverage and the right amount of coverage. Working with a company that can help you identify these items and not over-sell you is important. If you have questions, make sure to ask and make sure you feel like you’re getting a straight answer. Also, make sure to fully disclose your operations and answer all questions as honestly as possible to prevent any issues with a claim down the road.


As an insurance brokerage geared towards small businesses, Bullfrog Insurance understands the importance of each of these items. We work on your behalf to get the best rates for your business and to make sure the process is as painless as possible.


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!

Here’s What You Can Do to Adjust Your SEO

It’s 2018, SEO has changed. There’s no more keyword stuffing, no more spamming the search engines, getting anxious over this word and that word has become a huge waste of time. But the problem is that some people still believe that there’s nothing they can do on the page to improve the returns they see from search engines. This isn’t true at all. Here’s how to can rearrange your on-page content to ensure its search engine friendly and ready to capture potential leads.


Keyword Research: Putting Your Website in Front of the Correct Eyeballs

You have to begin by laying down the foundation for all of your on-page SEO efforts. This means doing your research. Keywords and key phrases that are effective are the ones that your potential leads and clients are currently inputting into the web. There are many different keyword research strategies out there. Many marketers will even pay for Google AdWords and similar tools just to get information, that’s how seriously they take keyword research.


Remember to always keep in mind that keyword research is the foundation of everything you’ll use when it comes to your SEO, so it’s worth the time taking to mine those golden nuggets.


Make Your Content Specific

Think about it, you have title tags, keywords, and descriptions to write. Headlines. Sentences. Alt text. There’s plenty of space to use to demonstrate who you are, what you do and who you serve. A generalized keyword or phrase isn’t going to get you noticed by the search engine – not enough to put you in the top 30, let alone top 10. You’ll also have more relevance reaching audiences who are specifically looking for your type of business.


Some ways you can enhance the specificity of your online content is location, specific services offered, unique content and combinations. This isn’t to say that you need to stuff your on-page content with keywords necessarily. But you should always be aware of putting these items on the page to get the specific attention you need from search engines.


Manage Your Expectations

You won’t make it to the first page of Google for “Insurance” by just including that keyword on your site. You’re competing with some of the biggest insurance names on the internet for that spot. Sites with very large marketing budgets and SEO experts have plenty of money to throw at drawing in business organically. But this doesn’t mean you have to exclude yourself and never try to optimize your on-site content.


Managing your expectations by putting in the work required to find those potential clients who are searching for something a little more specific. The harder you work on your online presence, the more results you’ll see. You’ll start to see old blog posts gain traction in search engine results, the valuable stuff you put online doesn’t just affect your online presence for one day. It keeps going.


Now this won’t all happen overnight. If your business is lagging in the SEO department, make improvements, edit and get a second opinion online. Overall, you’ll find that there’s a lot more that you can do to your page than you thought.


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!

Plan Ahead When Applying for A Business Loan

In order for many businesses to get off the ground, they need an influx of capital. One of the most common financing aids for small businesses is to look into getting a loan. The overall process for attaining a small business loan has become much easier over time. With traditional banks and online services who are more than willing to supply the funds.


Although it’s become easier to attain a small business loan, applying is still a hassle. If you do your homework and are diligent, you’ll manage to avoid these common mistakes.


Business Plan is Incomplete

One of the most important things to have when applying for a small business loan is a clear business plan. Some things it must include is a mission statement, executive summary, overall business concept, target audience/market, competition, team, marketing plan and of course, financials.

In some cases, financial lenders may only read your executive summary. If this is the case, then this section must fully summarize your entire business plan. Without these sections included into your business plan, it will appear incomplete and will cause the lender to lose confidence in the business and potentially you as the owner.


Check Your Credit Score

The first thing you need to do before you even consider looking into a small business loan, is you need to check your credit score. If everything is in order and your credit report is up to date, then you should be alright. If you have a credit score of 7o0 or above you should have little to no issues borrowing with a low interest rate! But, if your score is under 650, it may be a bit more difficult. Potentially having a high interest rate could hurt your cash flow.


Did You Borrow Enough?

If you’re running a start-up, you’ll always need more money thank you think. Unexpected costs could come up at any time while running a business, you need to be prepared. Raising enough capital will be the best way to cover you. Helpful tip, when discussing the exact numbers of your loan, aim for at least 7 to 9 months of just operating costs. So, take the time before going in to construct a proper budget plan.


While running a business, and as a business owner, it’s important to select the right financing option that works best for you and your business. If that option is a small business loan, then remember these tips in the process!


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!

Stay Fit While Running Your Business

Small business owners need to get creative when it comes to establishing times to work out and methods for staying fit. It doesn’t need to be fancy, but your business and everyone around you will thank you when you’re feeling more productive, active and excited about your company and your life.

The challenge is: how do you stay fit while running a small business?


Take Exercise Breaks
When you stimulate blood flow you refresh your mind by giving it oxygen and an escape from staring at a computer screen.  Every hour just stand up and stretch, go for a quick walk around the building, do some squats or jumping jacks. On a conference call, walk around rather than sit.  The key is to get up and do something!  If you pause frequently enough, you can get in a few hundred squats or jumping jacks a day!  Studies have shown that breaking up your work leads to a more productive work day. Time spent on exercise is made back in improved productivity.


Don’t Forget a Healthy Lunch
You’re hurting your business if you don’t refresh your mind with a nutritious lunch break.  Your body needs nutrition to function properly.  Many small business owners skip breakfast and even lunch sometimes, running mainly off coffee all day.  Doing so is a recipe for disaster.  Skipping meals makes you less healthy and leads to weight gain, since your body reads no food as a signal to store whatever calories it gets. You’ll be amazed how much more energy you can obtain from an apple, snack, salad or sandwich for lunch. Don’t skip meals!


Sleep is critical to your health and well being.  Entrepreneurs are the biggest violators of this because they have so much too do all the time. Get the proper amount of sleep and you’ll be sharper and more energetic.  Skimp on rest and you’ll risk high blood pressure, possible stroke and a variety of heart related issues as well. Bottom line – you’re not invincible, you need sleep!


By applying these healthy principles to your lifestyle, you’ll kick off 2018 with more energy to grow your business. You’ll be in better shape too!


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!

Get Ready for Tax Season Sooner Rather Than Later

Although your mind is probably still getting over holiday mode. The year has just begun and there are already a lot of things both professionally and personally that needs to get done, especially being prepared for tax season.


For small business owners, it’s a great time to start thinking about taxes. Now, that may not sound as exciting as mistletoe or holiday parties and dinners was, but they’re important to starting this year on a good and organized note.


Organization is Key

Start by organizing all of your financial records from 2017 into one specific place. This should include your profit and loss statement, invoice history, and previous tax paperwork.


Arrange Your Quarterly Payments

The past payment date for your 2017 quarterly taxes is January 15th. So, take some time over the holidays to make sure that you have enough money set aside to pay your tax burden and the appropriate paperwork ready to go. The last thing you want to do is start the new year by missing your last tax payment or setting yourself up for a penalty.


Plan Ahead

For some small businesses, this could be the last year that you can claim a lot of small business deductions. Deductions are going to be a key part to keeping your small business afloat. Go back and look through your purchasing receipts and be prepared to deduct things from your expenses.


It’s the smart move to be as prepared as possible. If you have the time, reach out your accountant. Doing this before the end of the year will help ensure sure that both of you have all the information needed to do your 2017 taxes. By doing these steps and being prepared for tax season now, it will take a mental load off so that you can truly enjoy your holiday season.


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!

Why People Aren’t Clicking Your Call to Action Button

Customers love to read your content, but for some reason they aren’t clicking your call to action button.

There’s a call to action button on your page, but the sales and leads just aren’t rolling in for some reason. Why not? Below are some of the most common reasons your visitors aren’t clicking your call to action button – and, even more importantly, what you can do about it.


Can’t See Your CTA Button

You’ve made your call to action button bright and shiny, you’ve tried to put it in the right place. How can your potential customers fail to even see your CTA button? Simple, you didn’t give them a reason to notice it right off the bat. By making the button obvious, oftentimes isn’t obvious enough.

Make your content compelling. You want to grab attention by offering something valuable right off the bat. Minimize the amount of time it takes to see your call to action. Location, location, location! Readers eyes will tend to skim and scan your page, you’re going to have to think about your call to action in terms of its immediate impact.


Your CTA Looks too “Heavy”

Heavy in this context refers to something else: the “cost of clicking.” People have a quick clicking-finger, always ready to click somewhere else if they think it’ll take too much work to go through your content.

Don’t overwhelm them. This is why marketers run A/B tests for their call to action buttons. They want to see what gets people clicking! Spotify’s call to action button for example, is a simple green button placed in the middle of the page. It consists of two words: “Download Spotify.” Is it fancy? No. Is it effective? Definitely.


Nothing Urgent in Your CTA

Why should someone click your CTA? This is the central question that you have to answer if you expect to make any sales or leads online. To make your button more urgent, start using power words. A free course. A secret bonus if you sign up. Rather than improvement, use boost. A boost sounds more immediate. Power words grab your attention and paint a picture.


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!



One Month Left of 2017, Make It Count!

There is officially one month left of 2017, let’s make it count! Now, before you go ahead and start thinking about 2018 full time, make sure you take time to reflect back on 2017.


Retirement Savings
With only a month left, there’s still enough time to start tucking away some money for retirement. Retirement savings may not be as attractive as paying off old debts, but it’s just as important. Retired you will thank yourself in the future. Being able to tuck away some extra dollars means that you’ll have a little extra cushion money when retired!


Stay in Touch
Staying in touch with past clients is a great way to keep your network warm and cozy through the holidays – it may also get you new business. There’s no need to send a fruit basket, but a friendly email or a nice card is a great way to stay in touch. Especially over the holidays, put some thought into your card. Thank them for their business, express why you enjoy working with them and mean what you say. This is a great opportunity to reach out and show them that they’re business is valued.


Pros and Cons
Ask yourself what went well this year? Did certain things not work? What are things that you’d like to change? The best part about looking towards the new year is taking a quick look back. Take note of the things that worked and didn’t work this year. So that moving forward into 2018 you’ll have a fresh start on all kinds of things.

Update systems, create new streams or revenue, work with new partners or let old ones go. How can you set yourself up for more success in 2018?


There’s still a month left of the year. Before diving into 2018, take a chance to reflect back on 2017. Make sure to have all your boxes checked, and you’ll cruise into the new year feeling refreshed and ready for success!


Be sure to visit the Bullfrog Blog often for more tips on productivity, marketing and risk mitigation. While you’re here, click below to get a quote!

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