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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I get two questions all of the time: 1. How do I convert more email inquiries into actual customers & clients? (Who ideally have zero credit card limit and maybe even a mullet because wouldn’t that be fun?) 2. How do you manage to stay looking so young? Obviously no one really ever asks me […]

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If you’re a freelancer, there are two different power dynamics: Hire me! Please hire me! I’m shitting my pants, over here, because I’m depending on you entirely and I’ll do anything it takes, even work for peanuts, because I need you to take mercyyyyy onnnnn meeeeee. Listen to me. I’m great at what I do, […]

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2011

List Your Prices (THE RIGHT WAY) (Calling All Photographers.) (Hedgehogs Welcome, Too.)

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As an entrepreneur, sometimes you fall flat on your face. Figuratively–and, apparently, literally–namely when you’re traveling in the South of Chile pretending to be in better shape than you actually are while attempting to jump over pathetically small streams that you really should be able to fucking clear, but somehow, don’t, and manage to fall flat […]

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2014

Repeat After Me: You Are Not Your Buyer

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It’s two days before the new year, and I’m doing exactly what you are: Dicking around on the internet and calling it “downtime.” It’s absolutely PHENOMENAL. But, as we all prepare to become supermodel [extra title=”Isn’t that your plan?” info=”tooltip” info_place=”top” info_trigger=”hover”]trazillionaire cigar-smoking business moguls in 2015, [/extra] there is one thing I want to encourage […]

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Sep 14

2014

If you’re both killer & poet, YOU GET RICH.

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“Most good copywriters fall into two categories: Poets and Killers. Poets see an ad as an end. Killers, as a means to an end. If you are both killer & poet? You get rich.” Ogilvy once said that about copywriters, but that’s just because he wasn’t around long enough to see the internet blow up. […]

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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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2017

$5 Discount or $5 Surcharge?

Aug 30, 2017

Would you rather get a $5 discount or receive a $5 surcharge? It’s the same change in price, just framed differently—and yet, I bet even the word “surcharge” just had you up in arms. LISTEN HERE, AT&T!!!!!!!!!!! That’s because humans are reeeeepulsed by the idea of losing something we already have. It makes us hangry. […]

In: How to Sell Yourself

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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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