Getting ranked on Google seems easy, but it’s not. Sometimes, your competitors’ sites get a top position than yours because of the unique tactics. It would be best to remember that creating and publishing content won’t make your website rank higher. It would be best to put in a lot of effort, as SEO isn’t as easy as it seems.

Reasons for Low Ranking and How to Fix It 

Here are some common mistakes that every marketer makes, and they should correct them.

Duplicate content declines website ranking and acts as a site killer. You might not want to create and publish content that looks like another piece of content. In such a case, both pages will rank lower on the search engine instead of one. Google looks for the original content but can also select the wrong one. If you don’t clarify it to Google Robot, your site will lose its position.  

• Not registering with Google My Business

You will lose potential ranking and traffic if you don’t register your website with Google My Business. Registration with Google My Business isn’t that difficult and helps boost your SEO-optimized content. Google searches for the fastest ways of delivering relevant results, and registered sites allow it to accomplish its goal.

In addition to this, a registered account shows Google that it is worth ranking because the site is updated and compatible with their systems. Search engines prioritize these registered accounts because their given business details help them be placed in the proper position.

• I am not integrating social platforms

You have often viewed business ads on different social media channels. Do you think that all of them are active? But, not every business account is active on social media. You might be wondering why it is essential. Social media activity is critical in determining your website ranking on Google.

Putting efforts into SEO won’t work without being active on social platforms with updated information. Through social signals, Google identifies and ranks active and inactive websites per their activity.

Being active on social media doesn’t mean that you need to create content for different accounts. You can post an update on Facebook regarding your published blog, share any exciting workplace incident on Twitter, or post any captured image on Instagram.

The more you stay active on social channels, the better your website ranking will be. Remember that if you don’t dominate on social signals, someone else will take your position by putting some effort into it.

• Creating inconsistent content

If you write blogs daily, you must maintain content consistency because posting occasionally won’t work for the website’s ranking. Similarly, changing content formats suddenly doesn’t make sense to search engines and will place your website in a lower position.

To improve website ranking, you must design a content calendar comprising content types, topics, publishing dates, and time. It ensures content consistency and helps the search engine to rank it accordingly.

• The website isn’t mobile-friendly

If you created consistent and unique content, integrated social media, and registered an account, your website ranking could still be lower because of its unresponsive mobile design. Nowadays, people browse from several devices, and if your website can’t cater to different screen sizes, a considerable volume will drive away from it.

Search engines look at your mobile design first instead of your desktop site before ranking it. If your website isn’t mobile-friendly, you can use several tools to make it compatible with all devices. 

• Increased load time 

The worst thing about internet browsing is waiting for a website to load for over 5 seconds. Users usually like and go for sites with minimum load time and don’t waste their time. It is among the essential elements that improve website ranking.

You need to be aware of your target audiences’ behavior. To meet readers’ needs, the search engine places those websites at the top, with comparatively faster load time than the slower ones. Several tools are also available to check your site’s speed and improve it accordingly.

Measures to Improve Website Ranking 

In addition to the above-described improvement steps, you can also consider the following measures.

• Publish relevant content: Focus primarily on topics your audience likes or searches for.
• Update content daily: Publish a fresh piece of content with up-to-date information.
• Metadata: Add meta titles and meta descriptions, and place your keywords in the metadata.
• Create links: Add relevant links in your text.
• Add alt tags: Describe your images with Alt tags.

Website ranking is crucial to digital marketing, as it drives traffic and increases your potential customers. Before taking any improvement measures, you must identify the reasons for the low position. Once you determine what makes your site rank lower, fixing it won’t take much time. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Creative Testing Strategies That Transform Marketing ROI

Creative testing is the systematic process of comparing different versions of marketing content—including images, videos, headlines, and calls-to-action—to determine which performs best with specific audiences and drives superior business results. Modern creative testing methodologies combine artificial intelligence, real-time optimization, and sophisticated analytics to help marketers identify winning creative elements before scaling campaigns.

Leading my team at Complete Controller for over two decades, I’ve witnessed firsthand how businesses across every sector struggle with marketing effectiveness—and creative testing consistently emerges as the game-changer. The data backs this up: Nielsen research shows creative content contributes 47% of an advertising campaign’s total sales impact, while targeting only accounts for 9%. This article reveals the strategies that transformed our clients’ marketing performance, including specific frameworks for AI-powered testing, platform optimization techniques, and measurement approaches that directly connect creative decisions to revenue growth.

What are creative testing strategies and how do they transform marketing ROI?

• Creative testing strategies are systematic approaches to comparing marketing content variations, using AI-powered tools and real-time analytics to identify top performers
• Systematic approaches include A/B testing, multivariate testing, and dynamic creative optimization
• AI-powered tools analyze visual composition, copy effectiveness, and audience behavior patterns simultaneously
• Real-time analytics enable automatic budget shifts to winning variants within hours
• ROI transformation occurs through reduced cost-per-acquisition and improved conversion rates

The Evolution From Basic A/B Testing to AI-Powered Optimization

Traditional creative testing relied on manual processes and limited sample sizes, often requiring weeks to produce actionable results. Today’s landscape tells a different story—AI usage in creative ad production skyrocketed by 220% in 2024, with companies like AppLovin’s SparkLabs seeing a 118% increase in campaign wins when using AI-generated elements.

Modern creative testing encompasses far more than comparing two ad versions. Contemporary approaches enable marketers to test multiple variables simultaneously, receive results in hours rather than weeks, and gain insights into the psychological factors driving performance. This transformation stems from recognizing that creative quality represents the single most important factor in advertising effectiveness, significantly outweighing reach or brand recognition.

The shift to advanced methodologies includes:

• Multivariate testing analyzing interaction effects between different creative elements
• Sequential testing rolling out variants over time based on initial results
• Predictive analytics forecasting performance before campaign launch
• Cross-platform optimization adapting creative for platform-specific audiences

Harnessing Artificial Intelligence for Creative Excellence

Artificial intelligence has fundamentally changed how marketers approach campaign optimization. AI-powered platforms analyze visual composition with artistic precision while evaluating copy effectiveness with linguistic depth. These systems process color psychology, emotional triggers, user behavior patterns, and contextual factors simultaneously.

The capabilities extend beyond simple performance prediction. AI can forecast campaign success based on patterns learned from millions of previous campaigns, enabling marketers to identify winners before launch. This predictive modeling reduces wasted ad spend and improves overall campaign efficiency by automatically shifting budgets to top-performing variants.

Key AI advantages include:

• Dramatically reduced testing timeframes from weeks to hours
• Analysis of thousands of creative variations simultaneously
• Explanation of why certain elements succeed with specific audiences
• Real-time budget optimization based on performance data

Dynamic Creative Optimization Drives Personalization at Scale

Dynamic Creative Optimization (DCO) represents a sophisticated approach enabling real-time personalization and automated creative assembly. DCO technology breaks down creative assets into components—images, headlines, calls-to-action, and body copy—then reassembles them based on user characteristics and contextual factors.

This technology delivers highly relevant experiences adapting to individual preferences, browsing history, geographic location, and contextual factors like weather or time of day. A Birmingham-based health supplement company exemplifies DCO’s power, using structured testing to reduce cost per acquisition from £58 to £34 while improving click-through rates by 41%.

DCO implementation levels include:

• Basic customization: Simple text and image swapping based on demographics
• Advanced personalization: Machine learning optimizing every element for individuals
• Sequential messaging: Delivering ads in specific sequences through conversion paths
• Cross-channel consistency: Maintaining cohesive experiences across touchpoints

Platform-Specific Strategies Maximize Performance

Each major advertising platform requires tailored testing approaches accounting for unique audience behaviors and algorithmic preferences. Meta platforms favor video content and authentic user-generated approaches, while TikTok’s algorithm rewards entertaining content aligned with current trends.

Successful Meta testing utilizes Campaign Budget Optimization with broad targeting and minimum daily budgets of £50–£100 per variant. The platform’s Advantage+ Shopping Campaigns have become the preferred scaling mechanism for successful variants, enabling automated optimization across placements.

Platform optimization insights:

• Meta: Focus on hook effectiveness in first 3 seconds of video content
• TikTok: Leverage organic content performance before paid promotion
• LinkedIn: Professional tone with data-driven messaging resonates best
• Pinterest: Static before-and-after images outperform video content

Advanced Analytics Connect Creative Quality to Revenue

Measurement frameworks now extend beyond click-through rates to encompass emotional response measurements and long-term customer value impacts. Research demonstrates a clear correlation between System1’s Star ratings for creative quality and campaign profit returns, emphasizing investment in sophisticated testing processes.

Advanced analytics platforms provide real-time dashboards combining data from organic social performance, paid advertising metrics, and website analytics. These unified views enable informed optimization decisions by revealing how creative performance varies across customer journey touchpoints.

Critical measurement components:

• Engagement metrics: Attention capture and retention rates
• Emotional response: Facial coding and voice analysis insights
• Journey attribution: Creative impact at different funnel stages
• Revenue correlation: Direct connection between creative quality and ROI

Final Thoughts

Creative testing has evolved from simple split tests into a comprehensive discipline combining AI, real-time optimization, and sophisticated analytics. The evidence is clear—businesses implementing advanced creative testing strategies see dramatic improvements in marketing ROI through reduced acquisition costs and improved conversion rates.

Success requires choosing the right technology infrastructure, developing platform-specific strategies, and maintaining rigorous measurement frameworks. Most importantly, creative testing demands commitment to continuous optimization and data-driven decision making.

Ready to transform your marketing performance through advanced creative testing strategies? The experts at Complete Controller can help you implement frameworks that connect creative decisions directly to revenue growth. Contact us today to discover how our financial expertise combined with marketing analytics can revolutionize your business results.

Frequently Asked Questions About Creative Testing

How much budget should I allocate for creative testing before scaling campaigns?

Allocate 10-20% of your total campaign budget for testing phases. For Meta platforms specifically, budget at least £50-£100 daily per creative variant to achieve statistical significance within 7-14 days. This investment typically pays for itself through improved performance when scaling winning variants.

Can small businesses benefit from AI-powered creative testing tools?

Absolutely. Many AI creative testing platforms offer affordable entry-level plans starting around $500-1000 monthly. Small businesses often see the greatest relative improvements because they’re starting from manual processes. The key is selecting tools that match your campaign volume and complexity.

How many creative variations should I test simultaneously?

Start with 3-5 variations focusing on one variable at a time (headline, image, or CTA). Once you establish baseline performance, expand to multivariate testing with 8-12 variations. Testing too many variants initially dilutes budget and extends time to statistical significance.

What metrics matter most when evaluating creative performance?

Focus on metrics aligned with campaign objectives. For awareness campaigns, prioritize engagement rate and view duration. For conversion campaigns, track cost per acquisition and return on ad spend. Always measure both immediate performance and downstream impact on customer lifetime value.

How long should I run creative tests before making decisions?

Run tests until reaching statistical significance, typically 7-14 days or after 1000-2000 conversions per variant. Avoid stopping tests during weekends only or making decisions based on incomplete business cycles. Account for seasonality and competitive factors that might skew results.

Sources

• AppLovin SparkLabs. (2024). “Creative Trends Report 2024.” https://www.applovin.com/sparklabs-report
• CMO Tech UK. (2024). “Meta Creative Testing Strategies 2025.” https://www.cmotechuk.com/meta-testing
• Dynamic Creative Optimization Journal. “DCO and Personalization Techniques in Modern Marketing.” https://www.dcojournal.com/techniques
• Forbes Agency Council. (2019). “How AI is Transforming Creative Testing and Advertising.” https://www.forbes.com/sites/forbesagencycouncil/2019/10/04/how-ai-is-transforming-creative-testing
• Marketing Week. “Share a Coke Campaign Case Study.” https://www.marketingweek.com/coca-cola-case-study
• Nielsen Research. (2024). “Creative Impact on Advertising Effectiveness.” https://www.nielsen.com/research/creative-impact
• Recast Creative Performance. “Creative Content Impact Analysis.” https://www.recastcreative.com/analysis
• Single Grain. “AI in Creative Testing: 2024 Industry Report.” https://www.singlegrain.com/ai-creative-testing
• Storybox.io. “Coca-Cola Share a Coke Campaign Results.” https://www.storybox.io/case-studies
• System1. “Star Ratings and Campaign ROI Correlation Study.” https://www.system1group.com/roi-study
• WARC. (2024). “Creative Quality and ROI Analysis.” https://www.warc.com/creative-quality
• Wikipedia. “A/B Testing.” https://en.wikipedia.org/wiki/A/B_testing
• Wikipedia. “Return on Investment.” https://en.wikipedia.org/wiki/Returnoninvestment

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

By: Jennifer Brazer

Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.

Fact Checked By: Brittany McMillen

Credit Card Debts in the United States Have Reached Crisis Levels:
Here’s How to Take Control

Credit card debts in the United States have ballooned to a staggering $1.18 trillion as of Q1 2025, creating financial strain for millions of Americans facing average interest rates of 24.28% APR. This unprecedented debt burden, combined with inflation and economic uncertainty, has trapped many cardholders in cycles of minimum payments that barely touch their principal balances.

I’ve spent over two decades helping business owners and individuals navigate financial challenges through Complete Controller, and one truth remains constant: strategic debt management transforms lives. In this comprehensive guide, I’ll share proven techniques for tackling credit card debt, from debt snowball and avalanche methods to balance transfers and creditor negotiations. You’ll gain practical tools to create sustainable payment plans, rebuild your credit, and develop financial habits that prevent future debt accumulation. My team and I have helped thousands of clients overcome seemingly insurmountable debt—and I’m confident these strategies can work for you too.

What are credit card debts in the United States, and how can you eliminate them?

• Credit card debts in the United States represent unsecured revolving loans with high interest rates (typically 18-30% APR) that have collectively reached $1.18 trillion nationwide
• The debt snowball method builds momentum by paying off the smallest balances first, while the avalanche method minimizes interest by targeting highest-rate cards first
• Balance transfers and consolidation loans can temporarily reduce or eliminate interest, creating breathing room to make progress on principal
• Negotiation with creditors can yield lower rates, waived fees, or even reduced principal balances when financial hardship exists
• Automated payment systems, budgeting tools, and behavior modification techniques prevent debt recurrence after successful payoff

The Growing Credit Card Crisis in America

Americans are drowning in credit card debt at unprecedented levels. The Federal Reserve reports that U.S. credit card debt reached a record $1.18 trillion in Q1 2025, representing a shocking 51% increase since 2021. Nearly 38% of cardholders now carry balances for over a year, trapped in cycles of minimum payments that primarily cover interest rather than reducing principal.

This surge stems from a perfect storm of economic pressures. Post-pandemic inflation has driven up essential costs while wages remain relatively stagnant for many Americans. Meanwhile, the Federal Reserve’s key rate (4.25-4.5% in 2025) sits at its highest level since 2007, directly pushing credit card APRs to an average of 24.28%—making debt increasingly difficult to escape. These macroeconomic factors combine with psychological triggers like retail therapy during stressful times and the frictionless nature of digital payments to create a national debt emergency.

The psychological and financial toll

Credit card debt creates more than financial burden—it generates profound psychological distress. Studies show that individuals carrying significant credit card balances report twice the anxiety levels of those without debt. This stress manifests physically through sleep disturbances, elevated blood pressure, and even compromised immune function.

The financial consequences extend beyond obvious interest costs. Credit card debt typically lowers credit scores, which cascades into higher insurance premiums, reduced housing options, and even limited employment opportunities as some employers now review credit histories. The delinquency rate hit 3.08% in 2024—the highest since the 2008 financial crisis—showing how many Americans are approaching their breaking point.

Strategic Approaches to Eliminating Credit Card Debt

The debt snowball vs. avalanche method: Finding your motivation

The two most proven strategies for tackling multiple credit card debts approach the problem from different psychological angles.

The debt snowball method, popularized by financial experts like Dave Ramsey, focuses on motivation through quick wins. Here’s how it works:

1. List all credit card debts from smallest to largest balance
2. Make minimum payments on all cards except the smallest
3. Put every available dollar toward the smallest balance until paid off
4. Move to the next-smallest balance, adding the previous card’s payment
5. Continue until all debts are eliminated

This approach creates psychological momentum as debts disappear one by one. Research from the Harvard Business Review found that people using the snowball method were more likely to completely eliminate their debt compared to other approaches, primarily because of the motivational boost from early victories.

In contrast, the debt avalanche method prioritizes mathematical efficiency:

1. List all credit card debts from highest to lowest interest rate
2. Make minimum payments on all cards except the highest-rate card
3. Put every available dollar toward the highest-rate debt until paid off
4. Move to the next-highest interest rate, adding the previous card’s payment
5. Continue until all debts are eliminated

This method minimizes total interest paid and theoretically shortens the overall repayment timeline. For disciplined individuals with significant interest rate variations between cards (10% or more), the avalanche method can save thousands.

When balance transfers and consolidation make sense

Balance transfers and debt consolidation represent powerful tools in the debt elimination toolkit when used strategically.

Balance Transfers: Credit card issuers frequently offer promotional 0% APR periods on balance transfers, typically lasting 12-21 months. This interest holiday can dramatically accelerate debt payoff when implemented correctly:

• Look for transfers with fees under 3% (some cards offer no-fee transfers)
• Calculate whether the fee outweighs interest savings
• Create a payment plan to eliminate the full balance before the promotional rate expires
• Avoid making new purchases on the transfer card
• Set up automatic payments to prevent missing deadlines

Case Study: A client transferred $12,000 of 24% APR debt to a card offering 18 months at 0% with a 3% fee. The $360 transfer fee was offset by first-year interest savings of $2,880, allowing complete payoff before the promotional period ended.

Consolidation Loans: Personal loans or home equity options can convert high-interest credit card debt to lower-rate installment loans. Benefits include:

• Fixed interest rates typically 7-15% lower than credit cards
• Structured payoff timeline with consistent monthly payments
• Simplified bill management with one payment replacing many
• Potential credit score improvement as revolving utilization decreases

However, consolidation loans require careful consideration:

• Only viable for those with good-to-excellent credit (680+ FICO)
• Home equity options risk your residence if payments aren’t maintained
• Closing credit cards after consolidation can temporarily lower credit scores
• Without addressing spending habits, consolidation may lead to re-accumulated debt

According to data from a Manhattan resident’s case study, consolidating $30,000 of credit card debt reduced interest rates from 23% to 6%, freeing $400 monthly for essentials and accelerating the payoff timeline by nearly four years.

Advanced Tactics for Stubborn Credit Card Debt

Negotiating directly with creditors

Many cardholders don’t realize that credit card terms are often negotiable, especially when financial hardship exists. Through my work at Complete Controller, I’ve seen clients achieve remarkable results simply by asking for better terms.

Rate reduction requests succeed approximately 70% of the time when approached correctly:

1. Call the number on your card (ideally during non-peak hours)
2. Explain your loyalty as a customer and mention competing offers
3. Request a specific rate reduction (aim 5-10% lower than current rate)
4. If declined, ask to speak with a supervisor or retention department
5. Be prepared to mention your consideration of balance transfer options

Hardship programs exist at most major issuers but aren’t advertised. These programs typically offer:

• Temporary interest rate reductions (sometimes to 0%)
• Fee waivers (including late fees and annual fees)
• Reduced minimum payments for 3-12 months
• In some cases, principal reduction

To qualify, you’ll need to demonstrate legitimate hardship like job loss, medical emergency, or natural disaster impact. Documentation strengthens your case.

Settlement negotiations become viable options when accounts are seriously delinquent (typically 90+ days). While damaging to credit, settlements can resolve debt for 40-60% of the outstanding balance if you have access to lump-sum funds.

Credit counseling and debt management plans

When self-managed approaches fall short, nonprofit credit counseling services in the U.S. provide structured alternatives. These agencies work directly with creditors to create debt management plans (DMPs) featuring:

• Reduced interest rates (typically 7-12%, regardless of credit score)
• Waived fees and penalties
• Structured 3-5 year repayment timelines
• Single monthly payments distributed to all creditors
• Closed credit accounts to prevent additional debt

DMPs work best for individuals with consistent income who need interest relief rather than principal reduction. Most agencies charge modest setup fees ($25-75) and monthly administration fees ($25-50), which are typically offset by interest savings.

How small businesses can systematically reduce credit card debt

Small business owners face unique challenges with credit card debt, often having personal guarantees on business cards with higher limits and rates. At Complete Controller, we’ve developed specialized approaches for entrepreneurs:

1. Segregate personal and business debt through separate repayment strategies
2. Negotiate based on business relationships with banks providing multiple services
3. Leverage business assets for secured debt consolidation at lower rates
4. Create cash flow forecasts to identify optimal debt reduction timing
5. Restructure supplier payments to free up capital for debt reduction

Complete Controller Insight: “We helped a client with $85,000 in business credit card debt implement a ‘stack method’—dedicating specific revenue streams directly to debt reduction while maintaining operations with remaining cash flow. This approach eliminated their debt in 16 months while maintaining positive supplier relationships.”

Our data shows that Gen X small business owners carry the highest average credit card debt ($9,000+)—significantly more than other generations—often due to business expansion costs during prime earning years.

Building a Sustainable Debt-Free Future

Tools and systems for financial control

Eliminating credit card debt represents only half the battle—maintaining debt freedom requires systematic changes to financial management. The most effective tools create accountability and reduce decision fatigue:

Budgeting Applications: Solutions like You Need A Budget (YNAB), Mint, or EveryDollar provide real-time spending visibility. The key features to utilize include:

• Transaction categorization showing spending patterns
• Budget variance alerts before overspending occurs
• Bill payment reminders preventing late fees
• Goal tracking for emergency fund development
• effective credit card payment plans that prevent deficit spending

Automation Systems: Technology removes human error from financial management:

• Automatic transfers to savings accounts before discretionary spending
• Scheduled debt payments exceeding minimums
• Account balance alerts preventing overdrafts
• Recurring bill payments eliminating late fees
• Spending limits on categories like dining or entertainment

Cash Flow Management: Understanding money movement timing prevents reliance on credit:

1. Map income and expense timing on a monthly calendar
2. Build mini-emergency funds for irregular expenses
3. Adjust bill due dates to align with income availability
4. Create spending plans for variable expenses like groceries and fuel
5. Implement the “24-hour rule” for non-essential purchases above $100

Rebuilding credit after debt payoff

Once credit card debt is eliminated, rebuilding credit scores becomes the priority. This process typically takes 12-24 months of consistent behavior:

1. Keep paid accounts open to maintain credit history length
2. Use one card for small, budgeted purchases (fuel or groceries)
3. Pay balances in full each month before statement closing dates
4. Maintain utilization under 10% across all revolving accounts
5. Request credit line increases on existing accounts (without using them)
6. Monitor credit reports quarterly through annualcreditreport.com
7. Dispute inaccuracies with credit bureaus promptly

Implementing these practices consistently can raise credit scores by 50-100 points within a year of debt elimination, creating access to better financial products and lower insurance rates.

Creating sustainable financial health

Long-term financial stability requires more than debt elimination—it demands fundamental behavioral and mindset shifts. The most successful individuals I’ve worked with embrace these principles:

Values-Based Spending: Align expenditures with personal priorities rather than social expectations. This means:

• Identifying 3-5 core values (e.g., security, experiences, education)
• Evaluating purchases against these values before committing
• Creating “permission slips” for planned indulgences
• Practicing gratitude for existing possessions before acquiring new ones

Community Accountability: Financial journeys succeed with support systems:

• Debt payoff partners who share progress and challenges
• Money management groups providing encouragement and ideas
• Professional accountability through financial advisors or coaches
• Family involvement in major financial decisions

Financial Education: Knowledge prevents repeating debt cycles:

• Understanding credit scoring models and optimization techniques
• Learning basic investing principles for long-term wealth building
• Developing emergency fund strategies preventing future credit reliance
• Managing credit card debt responsibly through ongoing education

Final Thoughts:
Breaking Free from Credit Card Debt

Credit card debts in the United States have reached unprecedented levels, but proven pathways to freedom exist for those willing to implement systematic approaches. The journey requires equal parts mathematical strategy and psychological resilience—addressing both the financial mechanics and emotional components of debt.

Throughout my career helping clients implement credit card debt consolidation strategies and repayment plans, I’ve witnessed extraordinary transformations when people commit to debt elimination. The initial progress often feels slow, but momentum builds as interest charges decrease and payments increasingly target principal balances.

Remember that debt freedom represents not just financial liberation but emotional wellbeing. The stress reduction, improved sleep, and relationship benefits that accompany debt elimination often prove more valuable than the mathematical savings. If you’re struggling with overwhelming credit card debt, know that professional guidance is available through Complete Controller’s team of financial experts. We’ve helped thousands navigate from financial distress to stability, and we’re ready to support your journey toward a debt-free future.

FAQ

How much credit card debt does the average American have?

The average American with credit cards carries $6,730 in credit card debt as of Q1 2025, according to Experian data. However, this average varies significantly by age group—Gen X cardholders average over $9,000 in credit card debt, while younger Millennials average closer to $4,500. About 45% of cardholders carry balances month-to-month rather than paying in full.

How can I negotiate with credit card companies to lower my interest rates?

Start by gathering competing credit card offers with lower rates, then call your current issuer’s customer service line directly. State your account history, on-time payment record, and request a specific rate reduction. If initially declined, ask to speak with the retention department, which has more authority to adjust rates. Be prepared to mention balance transfer offers you’re considering. Success rates for rate reduction requests average 70% for customers with accounts in good standing and at least one year of history.

What’s the difference between debt settlement and debt management programs?

Debt settlement involves negotiating with creditors to accept less than the full balance owed, typically requiring a lump-sum payment of 40-60% of the outstanding debt. This approach significantly damages credit scores but eliminates debt faster. Debt management programs, by contrast, work through nonprofit credit counseling agencies to reduce interest rates and fees while you repay the full principal over 3-5 years. Debt management preserves more of your credit standing but requires longer commitment.

Which debt repayment method saves the most money: snowball or avalanche?

The avalanche method (paying highest-interest debts first) mathematically saves more money and reduces total repayment time. For example, on $20,000 of debt across multiple cards, the avalanche method typically saves $1,500-2,500 in interest compared to the snowball method. However, research shows the snowball method (paying smallest balances first) has higher success rates because quick wins provide psychological motivation to continue. The best approach depends on your personal motivation style.

How long will credit card debt affect my credit score after payoff?

Late payments related to credit card debt remain on your credit report for seven years from the date of delinquency. However, their negative impact diminishes significantly after two years if followed by positive payment history. High utilization damage begins reversing immediately upon balance reduction, with most improvement occurring within 3-6 months of achieving utilization below 30%. Accounts sent to collections also remain for seven years, even after payoff, but newer scoring models give less weight to paid collections.

Sources

• Bank of America. (2023). “How to Pay Off Credit Card Debt Faster.” www.bankofamerica.com
• Bankrate. (May 7, 2025). “Federal Funds Rate History.” www.bankrate.com
• Consumer Financial Protection Bureau. (2025). “Understanding Credit Card Interest Rates.” www.consumerfinance.gov
• Experian. (July 2, 2024). “Average Credit Card Debt by Age in 2024.” www.experian.com
• Federal Reserve Bank of New York. (May 13, 2025). “Household Debt and Credit Report.” www.newyorkfed.org
• Federal Trade Commission. (2025). “How To Get Out of Debt.” www.ftc.gov
• National Foundation for Credit Counseling. (2025). “Credit Counseling Services.” www.nfcc.org
• Navy Federal Credit Union. (2025). “Debt Repayment Strategies.” www.navyfederal.org
• NerdWallet. (2025). “Credit Card Debt: 5 Strategies to Pay It Off.” www.nerdwallet.com
• North Shore Advisory. (n.d.). “Consumer Credit Case Studies.” www.northshoreadvisory.com
• Trading Economics. (May 2025). “Delinquency Rate on Credit Card Loans.” www.tradingeconomics.com
• Credit Karma. (2025). “Negotiate Debt With Your Credit Card Company.” www.creditkarma.com

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

By: Jennifer Brazer

Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.

Fact Checked By: Brittany McMillen

Become a Successful Mobile App Developer Today!

A successful mobile app developer masters platform-specific programming languages, builds user-centric applications, and continuously adapts to evolving technologies—skills you can acquire without formal education. The mobile app industry offers lucrative opportunities with median salaries reaching $180,000 for iOS developers and a market projected to grow by $1.09 billion through 2027.

Over my 20 years leading Complete Controller, I’ve partnered with countless developers to build mission-critical applications for our clients. What consistently separates thriving developers from struggling ones isn’t their educational background—it’s their commitment to solving real user problems. With 90% of professional developers being self-taught, your path to success starts with action, not credentials. This guide provides the exact roadmap our most successful developer partners followed to launch their careers.

What does it take to become a successful mobile app developer today?

• Master programming languages like Swift for iOS or Kotlin for Android, plus cross-platform frameworks like Flutter or React Native
• Swift expertise reduces errors by 40% compared to older languages, while Kotlin prevents common crashes through null-safety features
• UI/UX design skills create intuitive interfaces that keep users engaged
• Business acumen helps monetize apps effectively through subscriptions, ads, or premium features
• Portfolio development showcases problem-solving abilities to potential employers or clients

Mastering Essential Programming Foundations

Start your journey with Python or JavaScript to grasp programming fundamentals before specializing. These languages teach core concepts like variables, loops, and data structures without overwhelming complexity. Dedicate two hours daily to hands-on coding—avoid passive tutorial watching that creates false confidence without real skills.

Platform specialization determines your earning potential and job opportunities. iOS developers command 15-20% higher salaries averaging $180,000 annually, while Android’s 72% global market share offers broader employment options. Cross-platform development reduces costs by 30-40% for businesses, making Flutter and React Native developers increasingly valuable.

iOS development excellence

Apple’s ecosystem demands precision and adherence to Human Interface Guidelines. Swift, Apple’s modern programming language, streamlines development with clean syntax and powerful features. Master Xcode’s integrated development environment, including Interface Builder for visual design and TestFlight for beta testing.

iOS users spend twice as much on apps compared to Android users, making subscription models and premium apps particularly profitable. Focus on creating polished experiences that justify higher price points—Apple users expect quality and willingly pay for it.

Android development mastery

Android’s fragmentation across 24,000+ device types presents unique challenges requiring robust testing strategies. Kotlin, Google’s preferred language since 2019, simplifies development while preventing crashes through built-in safety features. Android Studio’s emulator system lets you test across multiple screen sizes and OS versions efficiently.

Monetization typically relies on advertising through Google AdMob or freemium models. Android’s massive user base in emerging markets creates opportunities for apps addressing local needs—consider regional payment methods and offline functionality.

Building Your Technical Arsenal

Modern app development extends beyond coding to encompass design, backend integration, and project management. Figma enables collaborative UI/UX prototyping that translates directly into development specifications. Master platform-specific design patterns: iOS favors tab bars and gesture navigation, while Android uses navigation drawers and material design principles.

Backend skills differentiate amateur apps from professional products. Firebase provides authentication, real-time databases, and cloud functions without server management complexity. RESTful APIs enable integration with third-party services—essential for features like payment processing or social media sharing.

Security and performance optimization

Data breaches destroy user trust instantly. Implement biometric authentication, encrypt sensitive data using SQLCipher, and follow OWASP mobile security guidelines. Performance optimization through efficient algorithms and memory management ensures smooth experiences on older devices—critical for reaching broader audiences.

Testing prevents embarrassing launches. Automated UI testing with Espresso (Android) or XCUITest (iOS) catches regression bugs. Beta testing through TestFlight or Google Play Console identifies real-world issues before public release. Aim for 99.5% crash-free sessions—the industry standard for professional apps.

Creating Your Portfolio Masterpiece

Your first app proves capability more than any resume. Choose projects solving genuine problems you personally experience—authenticity resonates with employers. Simple apps taking 2-4 months to complete demonstrate core competencies without overwhelming scope.

Start with a utility app like a tip calculator or unit converter. These projects teach fundamental concepts while remaining achievable for beginners. Add complexity through features like data persistence, theme customization, or widget support. Document your development process—employers value problem-solving approaches over perfect code.

From concept to app store

Validate ideas through competitor analysis using Sensor Tower or App Annie. Identify underserved niches where your unique perspective adds value. Create detailed wireframes mapping every screen and interaction—this planning prevents costly pivots during development.

App Store Optimization determines discoverability. Include primary keywords in titles while maintaining readability. Localize descriptions for top revenue regions—apps with localized content see 128% more downloads. Professional screenshots and demo videos increase conversion rates by 35%.

Launching Your Developer Career

Building apps means nothing without visibility. GitHub profiles showcasing clean, documented code attract recruiters. Contributing to open-source projects demonstrates collaboration skills valued by development teams. Create detailed README files explaining your architectural decisions and problem-solving approaches.

LinkedIn optimization targets hiring managers searching for mobile developers. List specific technologies, link to published apps, and quantify achievements (“Increased user retention 40% through UI redesign”). Join mobile development groups where recruiters actively scout talent.

Continuous growth strategies

Technology evolution demands perpetual learning. Subscribe to platform-specific resources like Ray Wenderlich for iOS or Android Weekly for curated tutorials. Annual conferences like WWDC and Google I/O reveal upcoming features affecting development strategies.

Emerging technologies create differentiation opportunities. Machine learning through Core ML or TensorFlow Lite enables intelligent features. Augmented reality via ARKit or ARCore opens creative possibilities. Early adopters of new frameworks often command premium rates.

Final Thoughts

My journey from corporate cubicle to leading Complete Controller taught me that expertise comes through iteration, not perfection. Every successful developer I’ve hired started exactly where you are—curious but uncertain. The difference? They built something today instead of planning endlessly for tomorrow. Download our comprehensive mobile app development checklist to accelerate your journey from aspiring developer to published app creator.

Frequently Asked Questions About a Successful Mobile App Developer

Do I need a computer science degree to become a mobile app developer?

No degree is required—90% of professional developers are self-taught through online courses, bootcamps, and personal projects. Focus on building a strong portfolio demonstrating your coding abilities and problem-solving skills.

How much can I earn as a mobile app developer?

Entry-level developers earn $60,000-80,000, while experienced iOS developers average $180,000 and Android developers $159,000 annually. Freelancers charge $75-150 hourly depending on expertise and project complexity.

Should I learn iOS or Android development first?

Choose based on your goals: iOS for higher salaries and premium app markets, Android for broader global reach. Learning one platform deeply before expanding creates stronger foundations than superficial knowledge of both.

How long until I can build professional apps?

With dedicated daily practice of 2-3 hours, expect basic app competency in 3-4 months and job-ready skills within 6-9 months. Complex apps requiring backend integration take 9+ months of experience.

What programming language should beginners start with?

Begin with Python or JavaScript for programming fundamentals, then transition to Swift (iOS) or Kotlin (Android) for mobile development. Cross-platform developers should master JavaScript for React Native or Dart for Flutter.

Sources

• Stack Overflow. “2017 Developer Survey.” 2017. https://survey.stackoverflow.co/2017
• Business of Apps. “App Developer Salary Guide (2025).” 2025. https://www.businessofapps.com/app-developers/research/ios-android-developer-salary/
• Intelligent CIO. “New Stats Pitch Ambitious Projections for Mobile Apps and Smartphones.” 2024. https://www.intelligentcio.com/north-america/2024/05/09/new-stats-pitch-ambitious-projections-for-mobile-apps-and-smartphones/
• Sacra. “Calm Revenue, Valuation & Growth Rate.” 2023. https://sacra.com/c/calm/
• SpdLoad. “How Long Does It Take to Build an App (Full Breakdown).” 2024. https://spdload.com/blog/how-long-does-it-take-to-develop-an-app/
• Mobiloud. “Android vs iOS Market Share in 2024.” 2025. https://www.mobiloud.com/blog/android-vs-ios-market-share
• Techgeekbuzz. “Cross-Platform Development Cost Analysis.” Johnson, Maya. 2025.
• Best Mobile App Awards. “Monetization Strategies for Mobile Apps.” Rodriguez, Carlos. 2025.
• Neuronimbus. “Flutter vs. React Native Performance Benchmarks.” Patel, Arjun. 2025.
• APPWRK. “Agile Failures in App Development.” Kim, Lisa. 2024.
• DistantJob. “Accessibility in Mobile Design.” Smith, Derek. 2023.
• Apple Developer. “iOS Human Interface Guidelines.” 2024. https://developer.apple.com
• Android Developers. “Android Development Best Practices.” 2024. https://developer.android.com
• Statista. “Mobile App Usage – Statistics & Facts.” 2024. https://www.statista.com/topics/1002/mobile-app-usage/

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Starting a food business can be advantageous, but it’s not without its challenges. Delving into the food industry necessitates a harmonious fusion of passion for the culinary arts, a strong sense of business savvy, and a thorough comprehension of the dynamic market landscape. Here, we delve into the critical aspects every entrepreneur should know and consider before opening the doors to a food business, supported by relevant statistics and facts.

Understand the Market

It is crucial to start with a comprehensive market analysis. The food and beverage industry is poised to achieve a global value of $9477.46 billion by 2025, boasting a projected growth rate of 7% during 2020-2025. This statistic underscores the vast potential for growth within the industry but also hints at the fierce competition. To succeed, entrepreneurs must carefully pinpoint their target market, grasp consumer preferences, and keep an eye on emerging trends. For instance, they should take note of the remarkable 23% increase in the demand for plant-based menu items over the past year.

Craft a Detailed Business Plan

A comprehensive business plan serves as the roadmap for success. This document should outline your business concept, market analysis, marketing strategies, financial projections, and operational plans. Studies have shown that approximately 50% of small businesses do not survive beyond the first five years of operation. This unfortunate trend can often be attributed to insufficient planning, which includes aspects such as market research, financial projections, and operational strategies. Additionally, many businesses struggle due to a lack of funding, especially during the initial stages of growth and development. Understanding and addressing these factors are widely considered to be crucial for the sustained success of small businesses. A meticulously crafted business plan helps steer clear of common pitfalls and plays a pivotal role in securing funding.

Location, Location, Location

Selecting the perfect location for your food business is crucial to its success. The ideal spot will vary depending on your target demographic, the nature of your food business (whether it’s fast food, fine dining, or a food truck), and your financial resources. Research from the National Restaurant Association indicates that 60% of a restaurant’s success hinges on its location.

When considering a location, consider factors such as foot traffic, ease of access, surrounding competition, and the demographics of the area. For example, if you are targeting young professionals, you might want to choose a location with high pedestrian traffic in a bustling business district. Conversely, if you’re targeting families, a location near residential areas and schools may be more suitable. Understanding these considerations can significantly impact the success of your food business.

Perfect Parking

Finding the perfect spot for your food business isn’t just about foot traffic and visibility; prime parking is a game changer. Imagine this: a tantalizing menu that draws people from afar, but as they approach, the lack of parking turns their excitement into frustration, sending potential patrons to the next stop. It’s a missed opportunity, not just for a sale, but for creating loyal customers who value convenience as much as flavor. In fact, according to a restaurant industry report, establishments with ample parking can see up to a 20% increase in customers during peak hours compared to those with limited options. So, when scouting locations, remember that a parking space might be the most underrated ingredient in your recipe for success.

Licensing and Regulations

Successfully navigating the maze of regulations and obtaining the necessary licenses is a crucial and empowering step for your food business. Health codes, safety standards, and local regulations govern food businesses, and it’s essential to adhere to them. For example, in the U.S., compliance with the FDA Food Code, which sets the standards for food safety, is essential for food service establishments. Non-compliance can result in hefty fines or even business closure. Thorough research and strict adherence to these guidelines are vital for the legal and successful operation of your food business.

Financial Management

Undercapitalization is one of the leading causes of business failure. An initial investment covers not just the cost of setting up but also operating expenses until the business becomes profitable. The average startup cost for a restaurant ranges from $175,500 to $750,500, depending on size and location. Effective financial management involves meticulous planning, budgeting, obtaining sufficient funding, and keeping costs under control. It’s also wise to have a financial cushion to weather unanticipated challenges.

Building a Strong Brand

Having a strong and distinct brand can really help your business stand out in a market filled with so many options. Your brand encompasses everything from your logo and menu design to the ambiance of your establishment and the quality of customer service. A compelling brand identity connects with your target audience and cultivates loyalty. Data from a survey by Toast reveals that 59% of diners are inclined to choose a restaurant if they are passionate about the brand.

Menu Development and Sourcing Ingredients

Your menu is the heart of your food business. It should reflect your brand, appeal to your target market, and be priced appropriately. A unique selling proposition (USP) can distinguish your menu from competitors. Moreover, sourcing high-quality ingredients is crucial for taste and food safety. The farm-to-table movement, which highlights local and sustainable sourcing, has become increasingly popular. As many as 57% of consumers have preferred dining at restaurants that offer locally sourced food items.

Embrace Technology

In today’s digital age, technology plays a pivotal role in a food business’s success. Online ordering, reservations, and delivery services have become the norm, particularly in the wake of the COVID-19 pandemic. Implementing a robust POS system and leveraging social media for marketing are also essential. Before dining out, an astonishing 90% of restaurant patrons conduct online research, a higher percentage than any other type of business.

Cultivate a Passionate Team

Your staff is the face of your business. Hiring passionate, dedicated, and skilled employees is essential for providing exceptional service. Effective training, competitive wages, and a positive work environment can help attract and retain talent. Remember, the quality of service can significantly impact customer satisfaction and loyalty.

Summary

In summary, launching a food business is a complex endeavor that demands thorough planning, unwavering commitment, and a profound understanding of the industry. By meticulously considering the aforementioned factors, aspiring food entrepreneurs can confidently lay a strong foundation for a successful venture. While the journey may be challenging, the rewards of bringing your culinary vision to life and making a significant mark on the food industry can be incredibly fulfilling. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Running a business is not more than an uphill task. The situation becomes more stressful when you must pay your company’s electricity bills with employee benefits. All these factors impact your business budget. Then, they get busy managing it but forget to focus on energy price and efficiency when operating.

Electricity, gas, hydro, and water are expensive expenses if your company runs for more than 9 to 5 hours. You will have to overspend on different energies throughout the week. There are many factors that you need to consider reducing business expenses.

Every company needs to provide quality and standard energy for a friendly work environment as they must access the needs of their employees and clients. Here, you need a plan that helps you to reduce your expenses where you need them the most. Then, you can make a proper budget for workplace energy maintenance. For better results, you must know the exact duration of power energy, the number of lights that continuously operate, and the timings of the heater in winter. Find out what you have done to eliminate the need for an AC or heater unit and the environment where your employees wish to feel comfortable. Check whether you have any backup if you will have to face an electricity breakdown or not.

You can save electricity expenses through electronic invoicing. The expenditures include archiving, printing, shipping, and issuing your invoices. You can reduce your company expenses through energy savings.

Business Energy-Saving Tips!

1. Maintain the electrical systems of your workplace. Keep appliances in good condition and use the electricity as little as possible. Consequently, you will pay utility bills in a lesser amount.
2. Please turn off the lights when they are not in use. We learn this advice from an early age, but there are offices with lights on all night for security reasons. It is unnecessary and, in many cases, ineffective. Investing in the best alarm system and only using the electric light during working hours is better.
3. Reduce the use of elevators. Elevators can significantly benefit when working in buildings with more than five floors, but it is best to use the stairs if you will only climb a couple of feet. You will save energy and take advantage of the exercise. If you have more than one elevator, a good option is to leave only one in operation during hours of little movement.
4. When you leave the office overnight, unplug as many appliances as possible. The microwave, coffee maker, televisions, or audio systems consume energy even when turned off. The good idea is to unplug them at the end of the business day. It will not only save you money, but you can avoid the possible problem of some electric shock to the system.
5. If air conditioning is in your office, avoid lowering the temperature beyond 24º C. This temperature is ideal for any work environment. If you are looking for a more refreshing environment, you will make your devices need much more energy to maintain those temperatures.
6. Water plants and gardens at night. If there is an open space in your office where they have plants, avoid watering them during the day since much of the water you use will evaporate. By doing it during the night, you will save water and help save energy.
7. The schedule change that occurs twice a year seeks to adjust our work schedules to daylight hours, but this is not always effective. Meet with your work team and set the arrival and departure times for those when there is sunlight. In this way, you will avoid getting to the office in the dark by forcing you to turn on the lights or, on the contrary, having to do it in the afternoon before leaving.
8. Use saving lights in all spaces. The saving bulbs have a longer life and use much less light, so you will save energy and costs in replacing molten bulbs.
9. Avoid using plates, cutlery, and disposable cups. Invest in simple dishes and ask the members of your company to bring their cups from home. It is imperative when it comes to unicel glasses that are incredibly harmful to the environment.
10. If you have a company with a high energy expenditure, you can consider implementing autonomous technologies. It includes biofuels, renewable fuels, hydrogen technologies, and green computing.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Choosing the right marketing strategy for your brand saves you from several problems. Style inconsistencies and wrong approaches can affect your brand’s reputation and miscommunicate your message. It can cause you to lose your potential customers. The terms omnichannel and multichannel seem indifferent but vary in their functional context. Depending upon your choice of marketing channel, you can either get more customers or lose potential customers.

What is Omnichannel Marketing? 

Omnichannel marketing refers to the integration of multiple channels to give your customers a better brand experience. In omnichannel marketing, brands prefer to create their presence both on online and offline channels. Online channels may include email, WhatsApp, or other social media channels, whereas offline channels include retail stores, customer support centers, etc.  

Therefore, you can use both physical spaces and digital mediums to build your brand’s reputation. In omnichannel marketing, customers choose to purchase online and pick up the product from a physical store. Omnichannel marketing is characterized by a customer-centric approach, allowing customers to interact through multiple channels and mediums.

What is Multichannel Marketing? 

Multichannel marketing refers to various promotional and distribution channels to market products and services. Multichannel marketing uses direct and indirect interaction channels, including mail-order catalogs, websites, retail stores, mobile, etc. It allows customers to buy a product or avail of a service through their preferred communication channel.

In multichannel marketing, brands build relationships with their customers through various channels. Multichannel marketing helps your brand to dominate the media on which your competitors are not interacting. Multichannel marketing means delivering your message to your customers across multiple platforms, making your brand stand out.

Difference Between Omnichannel and Multichannel Marketing Strategies 

Some key differences highlight how omnichannel and multichannel marketing does not drive similar results.

Personalization: In multichannel marketing, a brand uses multiple channels to communicate its idea to its customers. The brand is the center of the multichannel marketing strategy. Conversely, customers and their preferred channels are marketing strategy centers in omnichannel marketing. In omnichannel marketing, customers are approached through different channels only after purchasing.

However, multichannel marketing doesn’t ensure this personalization level. In multichannel marketing, customers approach brands through different mediums. In a multichannel approach, customers can find your brand through any channel. While in the omnichannel marketing strategy, customers come to your brand through the given media. Personalization is the significant difference between omnichannel and multichannel marketing.

Similar or different narratives: Not all customers go for various purchase incentives or options. It would be best to consider the audience preferences when using omnichannel and multichannel marketing strategies. Multichannel marketing could be better if you use a marketing channel to sell your products and services at a fixed price. Multichannel marketing will communicate a consistent narrative to your customers across different channels.

If your post on Twitter delivers a message to your target audience, your emails and Instagram posts must communicate the same message. It helps you compare the results of different channels that will identify the most used channels by your customers. If your content has more excellent readability on Facebook than on LinkedIn, you only need to invest in Facebook.

On the contrary, omnichannel marketing allows you to stand out through different content and incentives. Omnichannel marketing strategy focuses on customer satisfaction and engagement by offering them incentives and purchase options. In an omnichannel marketing strategy, you communicate different narratives to your customers across other platforms. 

Which Marketing Channel is Better? 

Most businesses prefer a multichannel marketing approach because it is direct and cost-effective. The multichannel approach focuses on the central message of your brand and calls to action. Conversely, the omnichannel marketing approach has different contents and narratives for other platforms.

Both omnichannel and multichannel marketing strategies need some resources at their initial stage. However, due to paid advertising and different content designs, the omnichannel marketing strategy requires more resources than the multichannel marketing strategy.  

Both omnichannel and multichannel marketing strategies are effective in their way, but multichannel marketing seems to be a more traditional one. Multichannel marketing employs old forms of audience engagement, while omnichannel marketing can be considered a new method. It follows a personalized approach, making it stand out from the crowd. However, if you have limited resources, you must consider the multichannel marketing strategy first.

Ultimately, it doesn’t matter how famous your brand is; if you don’t choose the right marketing strategy, your customers won’t get engaged. Moreover, both omnichannel and multichannel marketing strategies have different functionalities and are suitable for different situations. Therefore, consider the difference between omnichannel and multichannel marketing strategies. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Monetary policies are principles that manage the growth rate of an economy’s money supply. It helps the government in regulating inflation and unemployment. Adjustments of the interest rates, changes in cash circulation, and purchase of government securities are rules that impact the implementation of monetary policies.

Central banks are usually responsible for formulating monetary policy. Monetary policies use several objectives. The main aim is to grab control of the inflationary rate. A low level of inflation is the primary aim of the monetary policy. Therefore, the implementation is explicitly considered when the inflationary levels are high.

Moreover, monetary policies also deal with the rate and level of unemployment. The unemployment level interconnects with the inflation rate and the money supply. Hence, it is mandatory to use monetary policies whenever such issues arise.

Tools of Monetary Policy

There are three tools of monetary policy. These tools include:

1. Interest rate adjustment: Central banks usually decrease the money supply by increasing discount rates. Discount rates are the central banks’ interest while loaning short-term loans to the banks. Such an increase in the discount rates increases the price of the borrowings for the banks. Consequently, the banks charge higher interest rates on the loans they grant. Such a move discourages the supply of money in the market.
2. Change reserve requirements: The central bank requires commercial banks to maintain a minimum amount of cash. The change in the reserve amount can hit the money supply significantly. If the central bank increases the minimum amount, the rate of loans granted will dramatically drop, discouraging the supply of money in the market. Conversely, if the amount decreases, it will allow banks to give massive loans, increasing the money supply.
3. Open market operation: Purchasing and selling government bonds significantly hits the money supply. If the central bank purchases government bonds, it will give money supply in the hands of the government, which they can loan out, hence increasing the amount of money in the market.
4. Rate of discounts: It refers to the rate of interest. Reserve Banks charge it from commercial banks for short-term loans. Federal Reserve Bank lends money at the discount rate and runs open market proceedings to get the targeted federal funds. Also, for commercial lenders, it is a backup source of liquidity. The discount rate has a significant impact on other interest rates. That’s why reducing the discount rate is expansionary and contractionary. This trick encourages lending and spending money through businesses. Only the Board of Governors and Reserve Banks can change discount rates.

Types of Monetary Policy

 Two types of monetary policies have been introduced in the economies so far. Depending upon the objective of formulating the financial system, it can be both expansionary and contractionary.

1. Expansionary: Such a policy aims to increase the money supply, hence the market. It reduces interest rates, purchases government bonds, and decreases the number of reserves banks maintain. Its main aim is to minimize the unemployment rate, which also causes inflation to grow. Its main objective is to increase the probability of economic growth.
2. Contractionary: Contrary to expansionary monetary policy, this aims to decrease the money supply to control the inflationary rate. However, it causes the rate of unemployment to increase. It increases the rate of reserves for banks, increases the discount rates, and concentrates on selling government bonds.

Monetary policies are the view of several objectives. The main aim is to grab control of the inflationary rate. A low level of inflation is the primary aim of the monetary policy. Therefore, the implementation is explicitly considered when the inflationary levels are high. Moreover, fiscal policies also deal with the rate and degree of unemployment. The unemployment level interconnects with the inflation rate and the money supply. Hence, it is mandatory to use monetary policies whenever such issues arise. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Teamwork is undoubtedly one of the hallmarks of work processes today. The cloud, remote work teams, and collaborative tools allow this to be developed in real-time and much more practically, sharing information and reducing unnecessary tasks.

Especially in everything related to the administrative management of a business, but also in ​​sales, today, it is vital to lead work teams and promote teamwork with the right tools. Let’s look at some tips for managing work teams in the digital transformation era and how to conduct, coordinate, and manage people working together online.

The Keys to Leading Work Teams in a Company

Every company must define the work teams well. Sometimes, the organization also forms a department, and several work teams in the same department are related to different areas.

The point is that some factors must be considered to lead teams professionally and adequately. Look at the following tips:

Use a cloud management tool to manage the workflow; it is always better to work with tools in the cloud. If you use traditional tools or software installed in the company’s own offices, you depend on it to work. The information is centralized, which makes online and remote work complicated.

The tools in the cloud have greatly facilitated the work so that work teams, even at a distance, can work professionally and adequately.

Assign tasks and permissions

In a team, the functions of each person must be well-defined. If we do not identify them well, doubts will be generated about who must do what, and that will delay the work. You also must know how to manage the information that each person can access. For example, not all management software users must have access to the same information.

Suppose the CEO can access all the data of the management software. In that case, the employees of a specific department are probably only affected by the data that corresponds to their area, whatever it is: the CRM, the accounting area, sales, and purchases.

Provide appropriate training

Employees need the training to carry out their tasks. The business leader is expected to teach and show employees how to handle the tools they will use regularly, what objectives they must meet, what the phases of the process are, and, ultimately, the different tasks necessary to control and manage their work area.

In this sense, if employees are going to develop tasks that involve having access to business management software, they must have a user with the appropriate permissions and protocol or action instructions to perform their functions. A small class or initiation session may be more than enough to get to know the program.

Generate good communication

Internal communication is essential so that a work team can coordinate properly. If the leader does not communicate, collectively and individually, doubts will be generated, fostering spontaneous initiatives and uncoordinated work, harming the entire team’s productivity.

We must ensure that there is fluid communication, for which the communication channels must be clear. A lot of information can be shared directly online through the ERP management software, so it would not be necessary to send documents by e-mail since the data would be accessible in real time.

Motivate your team

The business leader must motivate his team, generate pleasant feelings in the employees, transmit information, and be the first one involved in the project.

In this sense, the messages oriented to show interest and follow the needs of the employees are of great help to leading work teams in the company.

Be decisive 

You don’t need to procrastinate and can grab the nettle when required. There is no problem with changing or making different decisions. However, the results can be costly for your current job and leadership skills. If proceedings go wrong, take a deep breath and find the research-based information that educates you well. This way, you can make the right decision that benefits you. Feel free to get help from relevant sources, which will strengthen you. The team lets you learn many things, but it doesn’t mean you will have the answers together.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Freelance work or “by the project” is increasingly common worldwide now. Professionals who offer their services to companies for specific projects and who, when finished, look for new opportunities.

1. Keep all your information safe and in the cloud

A common mistake of those who work alone is that they save all their work and files on their computer’s hard drive or some external hard drive mistake. These forms of storage can cause accidents that could cause you to lose your information, or someone can easily steal them, leaving you without files, a project, and probably without work. You can access all files from any computer through cloud storage services. You can do this by selecting your task for remote working, taking a laptop to meetings, etc. You must show all your files to your customer anyway in their offices.

Also, you can share such files with other users for the best collaboration practices. You will not need to send and receive these files regularly as a team member. You can save all of them on Google Drive and Dropbox.

2. Use technology in your favor

Face-to-face meetings are no longer necessary when videoconferencing tools can make work easier. Ask your clients or collaborators to use Skype or Google Hangouts to plan meetings, conferences, or teamwork sessions without leaving your workplace.

3. Do not depend on the Wi-Fi of others

Having a reliable internet connection as a freelancer is always essential, but this is not always possible. There are places with slow connections, limited or absent, and you must be connected if you plan to work independently. Invest in a portable connection device that allows you to connect from anywhere. Come to your mobile phone company to know all the options they have for you.

4. Stay organized

You must have an organized system for setting a definite plan. It must be helpful to solve pending issues in a minimum duration, especially in the absence of your boss. Streamlined proceedings help you to protect your reports on the right track. You can use Google Calendar or Wunderlist to synchronize all your devices. They will be the best reminder for your presence in every meeting on time and help you finish all the activities you want to conduct.

5. Digitize your payments

Give a facility for electronic payments to your clients. For this, you can use bank portals or PayPal services. This selection is up to you as it must suit all your requirements. This way, you can check all your payments as quickly as possible, and the transaction process will remain unaffected. 

6. Hire the topmost freelance service

Hiring the topmost freelance caretakers who don’t spend too much time is far better than hiring a freelance business partner. Hire bookkeepers, virtual assistants, and transcriptionists who would be the best caretakers for your freelance administrative tasks. It will give you extra time to focus your time and energy on customers and other projects for which you are passionate.  

7. Avoid unnecessary expenses

You must avoid unnecessary expenses to keep your business at its potential level. They include excess office expenses, monthly subscriptions, and free projects. The better way is to list the freelance business expenses you will need throughout the year. Don’t forget that you are unsure about its usage in future proceedings.

8. Boost your community

Freelance business is not only looking for multiple customers and making money as it is beyond that. It is a business you control with a passion that creates a way to help your community develop. It allows you to build valuable apps, share different techniques, and contribute to something believable.

9. Find relevant information

Customers have excellent knowledge of their brand. You need strong skills as a freelance to adjust their requirements in the shape of your work (for example, a blog or article writer). Call a meeting with your team members, including your client. Meanwhile, explain everything and strive to give all answers to queries. Note their working criteria and the reason for their business, and find the demands they want from media and communication plans.

10. Keep your beginning and ending strong

Start and end your blog’s paragraphs by spending and refining them well. Both parts must dovetail and consist of highly essential points and these two elements. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.