How to Become a Credit Card Affiliate

Sign up for PayPal if you do not already have a PayPal account. Most affiliates are paid via PayPal so keep your PayPal email address handy as you will enter it repeatedly throughout the application process.
Create a blog or website for promoting the credit cards. You will need to list the domain name of your site when you apply to an affiliate program. Once you are accepted to an affiliate program, add additional blogs, websites or other means of promotion as needed.
Visit http://www.CJ.com and select the option for publishers. Review the information regarding their program and complete the application process. Once approved, log in to the site and view the program partners. Click the 'apply' button for any credit cards you would like to promote.
Read the promotion guidelines to ensure you follow their requirements if you are approved as an affiliate. Begin to promote the credit card both on your site as well as other places such as discussion forums, blog comments and any other sites you prefer.
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How to Use Excel for Flexible Money Management

Create and save a new Excel workbook. Create 8 columns with the following headings: Month, Day, Description, Save, Debit, Credit, Checking Balance, Savings Balance. Bold the headings, and use the freeze panes function to freeze the top row so that you always see it at the top of your spreadsheet (Hint: look under the View tab in Office 2007, or under Window in older versions). Format columns D through H as currency (right click, format cells), and choose to have negative amounts show up in red. Use your vast knowledge of Excel to make the spreadsheet pretty if you like, but avoid the table function of Excel 2007 -- it is a pain!
Type the name of the current month in the first row of the Month Column, and type today's day in first row of the day column. Type your current Checking Balance and Savings Balance in the first row of the appropriate columns.
Now, enter the recurring bills (rent, car payment, insurance, credit card, cell phone, etc.) that are coming up between now and your next paycheck, putting each one on a new row. Type in the date you actually mail the check to pay a bill or the date it is debited from your checking account. Type a generic description of the bill (ex., 'Discover Card'), and type the bill amount into the Debit column.
Enter rows (without date) for Gas, Grocery, and Miscellaneous. You should have actually created a budget at some point, so that you know about how much money you have to spend on these things. If you like, you can split Miscellaneous into additional categories. Round each bill amount UP to the nearest $5 or $10 (ex., $70, not $66).
Type in the date of your next paycheck, describe it (ex., Paycheck) and type the pay amount into the credit column. Round your approximate pay DOWN to the nearest $5 or $10 (ex., $1025 or $1020, not $1028). On the next row, enter the description Savings, and type the amount you plan to save from each paycheck into the Savings column.
Now, enter the recurring bills coming up between this paycheck and the next, followed by the Gas, Grocery, Miscellaneous categories. Then, enter the next paycheck amount, followed by savings. Repeat until you have entered all of the info for the next six months -- you should be able to copy and paste most of this info to save time. Enter any additional income as needed, typing the amount into the credit column. Be sure to type the name of the new month at the appropriate place.
Now that you have the basic framework, you need to enter formulas into the Checking Balance and Savings Balance columns so that it will automatically calculate for you. For this example, I am going to assume that your headings are in row 1, your starting balances are in row 2, and your columns are A-Month, B-Day, C-Description, D-Save, E-Debit, F-Credit, G-Checking Balance, and H-Savings Balance. In cell G3, enter =G2-D2-E2+F2 This will subtract any savings and debit and add any pay to your checking balance.In cell H3, enter =H2+D2 This will add the amount you save to your savings balance.Copy and paste these formulas into all of the cells of columns G and H.
Periodically -- once a week or before/after any unusual purchases -- look up your ACTUAL bank balances and type them into the balance column on the appropriate date. Be sure that all of the items listed before that date HAVE already come out of your account -- if not, you may need to shift a row up or down. If you move any rows, re-copy or retype the formulas in columns G and H to be sure they are correct.
Now, just look over your balances. Will your checking balance go into the red in two months? If so, you need to cut something out! Spend less on entertainment, eat Ramen, or as a last resort, reduce the amount you are paying to your credit card or saving. I find that actually having to cut those payment amounts makes me really re-think sushi lunches!
If you keep going into the red, you need to take a look at your bank statement to see where you are overspending your budget.Try to keep your savings balance above $100 at all times. If you have a good bit more, increase the amount you are paying on your credit card or saving -- don't just let that money sit there burning a hole in your pocket, or you will spend it.
Delete past months, and keep planning at least six months ahead. When you get used to this method, you will be able to realistically plan your spending, quickly see when you are spending too much, and adjust so that you don't go into the red!
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How to Become a Sprint, Verizon or ATT Affiliate

Visit the Sprint website. Sprint offers a “Preferred Retailer Program” as opposed to an affiliate program.
Meet the prerequisites to become a preferred retailer for Sprint. These qualifications include a minimum net worth of $500,000, an adequate financial or credit rating, submission of a three-year business plan that includes a financial profile, and marketing and sales plans.
Complete the “Preferred Retailer” application. Submit tax returns and financial statements to establish a line of credit with Sprint.
Sign Sprint’s Authorized Representative Agreement and return it.
Complete the Sprint-Nextel credit application if necessary and submit it.
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How to Earn High School Credits

Contact the local community office that primarily deals with education or night school courses.
Inquire about high school credit courses. The courses offered are often basic courses, including sciences, math, English and additional languages. Courses such as gym, art or other creative electives are often not included at night school.
Retrieve information regarding the courses available, the time slot, the prices and the requirements to enroll.
Attend each course as required and complete assignments. Once completed with acceptable grades, the credits will be recorded as being completed.
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How to Earn Facebook Credits

Log into your Facebook account. Select 'Account,' located in the top-right corner of your Facebook page. Click on 'Account Settings.'
Click the 'Payments' tab. Click 'buy more,' located to the right of Credit Balance, to purchase Credits with major credit cards, through PayPal or by charging them to your cellphone bill.
To earn Credits by watching branded videos, enter your favorite game. Click on an icon in the game that says 'Earn Free Credits.' A video player opens. When it's over, you receive Credits in your account. You can spend your Credits in that game or in any game that takes Credits.
Spend Facebook Credits on actual tangible goods in a limited number of cities. The offers include burgers, bottles of wine and an introductory stand-up paddleboard lesson. Atlanta, San Francisco, Austin, Dallas and San Diego are the first cities to offer Facebook Credit deals.
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How to Earn Back Good Credit

Pay off any debts you have now. Call up each one you have a debt with, whether they are collection agencies or the business you owe the money to. Get all of your bills together and figure out how much you can pay each one per month. Call each one and tell them how much you can pay each month. They will set you up with a payment plan and send you a bill each month for your new monthly payment. Pay the bills as soon as they come in every month.
Obtain a credit card for people with bad credit (see Resources below). You will have to pay an annual fee and a fee to get the credit card started. This may seem frivolous at first, but this may be the only way you can get a credit card. Once you have paid the annual fee and any other fees associated with this new credit card, you can start charging, but do so carefully--charge a small amount (an amount you know you can pay off each month). When the bill comes in, pay your entire balance off, not just the minimum payments.
Pay more money on your debts when you can. The only way to keep the bills out of collections is to call the billing department and set up a payment plan, and follow through by paying the agreed-upon payment every month when the bill comes in. If, for any reason, you are not able to make the payment, call as soon as possible to sort something out.
Sign up with an agency that will track your credit for you. Privacy Matters can track your credit report for you for a low monthly fee. It will alert you every time something changes with your credit report. This will ensure that you are aware of everything going on with your credit (see Resources below)
Limit how much you allow people to access your credit report. Anytime you apply for any type of credit (loans, credit cards, gas cards, department store cards) you are allowing them to access your credit report. This will show up on your credit report, and the more people you have accessing your credit report, the worse it looks.
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