ASH AMBIRGE

Author, CEO & Founder

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Should You Offer a Payment Plan?

In: How to Sell Yourself

Yes—but only as a last resort.

Put yourself in the buyer's shoes: that $2,000 course you’re thinking about taking is COSTS APPROXIMATELY THE SAME AS A SMALL HORSE, however—that’s not to say you wouldn’t purchase a small horse (neiiiighhh!) if you could, say, put $97 a month toward the beast in all its glory.

Which seems to make the argument for offering payment plans, right?

But now look at it from the business owners perspective. That’s a lot of risk s/he’s taking on, by trusting you to make those payments over the course of, oh you know, TWO YEARS. A lot can happen in two years, namely the really annoying expiration of credit cards and/or moral compass. Which means mama doesn’t get paid, no more—and that's a significant business liability.

So from the business owner’s perspective, it’s less than ideal. The $2,000 s/he is owed is now tied up for as far as the eye can see, which means she can’t use that money in the meantime. Which means her cash flow gets cut off at the knees. Which means she can’t grow. Which means that offering a payment plan should not be her first course of action.

However, by offering a payment plan, s/he stands to make a lot more overall revenue as a whole while also bringing on new customers and being a bang fucking smash of a success.

So what’s a business owner to do?

Here’s my rule of thumb:

Make your offer at full price.
Stand confident in that price.
And do your job well in marketing it and selling it and launching it beautifully at that price.

And then, if and only if you feel comfortable taking on the risk, you may wish to reach out to the folks who *are* interested, but haven’t bought yet, to see if you can make it work for them another way.

This way, both parties get the benefit: you can prioritize cash flow (which is your #1 job as a business owner), and the folks who *truly can’t* afford it, get a Hail Mary.

Because while we all wish that our small horses will just fly right off the shelves, sometimes the best way to make an offer, is by making it another way. 

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Bring me to your granny’s birthday party, and I’m sweet as a lemon square. (My favorite.) Bring me to meet the parents, and I’ll bust out the pearls. Bring me anywhere, and you’ll get sweet, demure Ashley. But bring me to a board room? And it’s shark time. If you’re like most people, the mere […]

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2012

How to Cold Call Prospects Without Sounding Like a Tool

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For those of you who don’t know, in a former life I used to sell advertising for an international print and online magazine. Think pencil skirts, a lot of telephone schmoozing, deal negotiations, contracts, national sales conferences and convincing a lot of fucking people they should give me thousands of dollars. You can imagine the […]

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Dec 9

2014

Running a Holiday Sale? Memorize This by Heart.

Dec 9, 2014

So the other day I’m Christmas shopping here in Costa Rica, which is automatically hilarious because, first of all, because they spell “Ho Ho Ho!” like “Jo Jo Jo!” which never gets less funny, and second, because Santa was dressed in a royal blue suit. (I still haven’t decided if this is posh or ridiculous, […]

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Sep 2

2014

The Short, Slightly Sarcastic Answer to (At Least Eleven) Things You’ve Always Wanted to Know About Selling Yourself. Featuring: A Strong Opinion.

Sep 2, 2014

Q: Should I give away free consults? A: Are you running a business or a charity? EEEEEEEEEEET. Time’s up. The correct answer is [extra title=”Unless you *are* running a charity, in which case, oops?” info=”tooltip” info_place=”top” info_trigger=”hover”]business. [/extra] Ding, ding, ding. And businesses are for profit. Key words: For profit. Respect your own time and prospects will, […]

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Mar 6

2014

Are You Selling The Wrong Thing?

Mar 6, 2014

Raise your hand if you’ve ever been guilty of making a list of “what’s included” that looks like this: Modules! PDFs! Videos! Audios of the Videos! Transcripts of the Audios of the Videos! Commentary on the transcripts of the Audios of the Videos! A revolutionary new—drum roll— Facebook Group! AND THERE’S MORE! Buy now and […]

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May 4

2017

How Do You Make People Care About Your Work—Even When Your Work Is Lofty, Intangible, and Abstract as F***?

May 4, 2017

I’m working with a client, right now, who wants to sell emotional intelligence. That’s the result you get when you work with her. EQ, instead of IQ. And emotional intelligence is actually really, really important. It’s one of the biggest predictors of success, believe it or not. She’s read the literature. I’ve read the literature. […]

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Jun 4

2017

Are You Sorry About Charging Money?

Jun 4, 2017

I was talking to a client yesterday, who, bless her heart, is LITERALLY working for free. She feels bad charging. And my goodness, she’s one of the smartest, most qualified women in her industry! She’s out there helping people every single day, in person, face-to-face! She’s spearheading an entire movement in Canada! And now the […]

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Jul 28

2017

If You Don’t Feel Comfortable Saying, “Step Right Up and Try My Milkshake, Folks!” There Might Be a Problem With Your Product—Not Your Confidence

Jul 28, 2017

Small soft chocolate lady was my favorite. She’d arrive in a sand-colored pick-up truck; a small one, I’d say, for a pick-up truck in Susquehanna County. She’d dismount as if she were in a rush, though I knew she was only going back to the grocery store she owned. I’d have her cone ready by […]

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Mar 13

2015

This Bastard Was Getting Paid $10,000 a Month.

Mar 13, 2015

This bastard was getting paid $10,000 dollars a month. He was on contract with my company at the time, brought on as a consultant to work directly with a young (and far less wrinkley-lipped) yours truly. This was some ten plus years ago, mind you, at a time when things like blogs were for morons who liked […]

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I'm a Bad Influence on Women

Hey, I’m Ash! Twenty years ago I was a small town girl growing up in a trailer park in rural Pennsylvania. Fifteen years ago, I lost my family and everything I knew right as I became the first to graduate college. Fourteen years ago, I found myself leaving everything behind for a new life in the city where I could be “normal.” Ten years ago I realized normal was the most disappointing thing that ever happened to me. Nine years ago I quit my job in advertising and pursued my dreams as a creative writer. Eight years ago, I built a 6-figure business doing what I love using nothing more than the Internet and my voice. And now, today, I’m the founder of The Middle Finger Project, an irreverent media co. that helps other women find their voice and teaches them to use it to build whatever the f*ck they want to. With a book coming out with Penguin Random House in February 2020 (YASSS, WE’RE A PRODUCT IN TARGET!) I’m proud to be a bad influence on women and guide them into doing something disobediently brave with their life and their career.

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