Having A Baby Can Be A Good Excuse To Simplify And Declutter

We decided that becoming parents for the second time was a good excuse to declutter our house. Here’s how we got rid of all the stuff.

The post Having A Baby Can Be A Good Excuse To Simplify And Declutter appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Source: biblemoneymatters.com

Swagbucks Review: What Is It, How Does It Work And What Can You Win?

Have you heard of Swagbucks?

Many people have, but don’t know exactly what it is or how it works.

Now that Swagbucks just celebrated their tenth birthday, more and more people are learning about this reputable company (which has earned an A+ rating from the Better Business Bureau) that helps you earn free gift cards, cash and prizes.



Chances are, when you learn more about this company, you’ll become a Swagbucks enthusiast like me!

Open Your FREE Swagbucks Account Now!

Use our link to get a $5 signup bonus, and use promo code “BMONEYMATTERS” when you register you’ll get an extra 70 points called SB

Quick Navigation



If you do nothing more than search the Internet a few times a day (and don’t we all do that?), you could easily earn 7 to 10 points called SB a day.

Earn 300 SB (which is possible in 3 to 5 weeks with minimal effort), and you could redeem your points for a $3 Amazon gift card.

In general, every 100 SB earns you a $1 toward an Amazon gift card. 300 SB for $3 Amazon gift card, or 500 SB for a $5 Amazon gift card.  However, you can earn a $25 Amazon gift card for just 2,200 SB points!

How To Sign Up For Swagbucks

Swagbucks Review - Is It A Scam?

Swagbucks Review - Is It A Scam?

Signing up for Swagbucks is simple.

Simply go to the Swagbuck’s page and either sign in with Facebook, or fill out a simple form with your e-mail address and a password that you choose for your Swagbucks account.

Open Your FREE Swagbucks Account Now!

Registration is free, and right now you’ll eligible to get a $5 bonus for signing up!

Once you are signed up, make sure you stay signed in so you can use Swagbucks to search the Internet and earn points.

How To Earn SB

There are many ways to earn SB.  If you use it to search the Internet, you will randomly earn points.  I have earned anywhere from 7 to 79 points at one time. Those points continue to accrue until you redeem them for your rewards.

Swagbucks Review

Swagbucks Review

In addition to searching the Internet, there are many other ways to earn points:

  • Watch television programming.  Like to find new recipes?  Watch the Food Network videos.  Or watch videos streamed right from Hulu as well as clips on news (regular and celebrity), tech, etc. on Swagbucks and earn SB points.  (They have many quick two to three minute shows that you can watch to earn points.)
  • Encourage your friends to join.  If your friends sign up for Swagbucks with your referral link, you will get 10% of their Swagbucks earning for life!  This can be a great way to watch your balance grow with minimal effort on your part, especially if you have several friends join.
  • Use coupons.  If you routinely print coupons off the Internet, print them from Swagbucks.  For every coupon you redeem at the grocery store, you earn 10 SB
  • Take a poll.  There are usually short, one question polls that you can answer.  This takes less than 10 seconds, and you can earn a SB point.
  • Meet your daily Swagbucks goal.  Every day, Swagbucks sets an earning goal for you.  For instance, they may set a goal of earning 30 SB.  If you’re able to do that, say for 7 days in a row, you’ll earn an additional 25 SB.
  • Play games. You can play a variety of games in the games section to earn SB.
  • Use the special offers section.  This section isn’t something I’d use just to get SB (though some people do), but it can be a great way to earn SB points on something you were already going to do.  For instance, if you were going to sign up for a Target Red Debit or Credit Card anyway, why not do it through Swagbucks and earn 215 SB points?

This section is Swagbucks highest earning vertical.  There are plenty of special offers to choose from.

These are just a few ways to earn rewards; there are many more, some more labor intensive than others.

I usually just have time for the polls and searching the Internet, and I still earned enough in a year to redeem for Amazon gift cards and get a few presents for my kids at Christmas.

Swagbucks Browser Extension

Swagbucks has a browser extension that you can install in your browser as well.

Swagbucks review browser extension

Swagbucks review browser extension

In my Chrome browser I have it installed and it will notify you when there is cash back available for a store you’re shopping at. Just click on the button that pops up to activate the cash back, and a short while after you complete your purchase the SB will be added to your account.

It also will tell you when there are coupon codes available at a certain store and apply them for you, saving you additional money!

What it comes down to is adding the extension will likely save you quite a bit of money! It takes the work out of remembering to go to a cash back site – it does it for you automatically.

Swagbucks Hack To Triple Your Savings

Her’s a hack that I have started using in order to triple my savings when shopping online. I use Swagbucks in conjunction with two other providers, Honey and Gift Card Granny.

Here’s how it works.

  1. Activate Swagbucks cash back: First, go to the shopping site where you want to save money.  Activate your Swabgucks cash back via your browser extension. It should pop up automatically if you have it installed and ask you to “activate cash back”.
  2. Use Honey to get a coupon code: After you find the item you wanted to buy, add it to your cart and begin the checkout process. On the checkout page where they have a space for coupon codes, use the Honey browser extension to search for available coupon codes, to save you more money!
  3. Buy a discounted gift card from Gift Card Granny: Figure out your order’s total, and then buy a gift card at Gift Card Granny to cover the cost. You can often find gift cards for popular retailers at a big discount. For example, a $100 gift card for $85. Purchase the gift card and use it when checking out.

When you do these three things, you’ll save using Swagbucks cash back, by using a Honey coupon code, and by getting a discount on a gift card to pay for your order.  Triple the savings!

How Much Can You Earn With Swagbucks?

Once you’ve earned enough points you can redeem your SB for an Amazon gift card, but there are hundreds of other ways to also redeem your points.  Choose from a wide range of retailers—Amazon, Target, Lands End, Chili’s, Starbucks, Whole Foods, Walmart, Sears, and many more.

There are hundreds of prizes to choose from, and if you want to make your SB points stretch further, look for the sale category where they temporarily discount how many SB certain items can be redeemed for.

They say that nothing in life is free, but if you search the Internet using Swagbucks, utilize the cash back tools and engage on their site you will earn enough SB points to redeem for some nice free gifts.

Have you used Swagbucks?  If so, what have you earned?

If you use promo code “BMONEYMATTERS” when you register you’ll get an extra 70 SB.

Get Your Free 70 SB When You Open Swagbucks Account Now!

Similar Programs

Swagbucks Review


Swagbucks Review




  • Lots of reward options including PayPal
  • Great cash back options
  • Browser extension works great
  • In store cash back
  • Lots of ways to earn points


  • Some offers require a lot to get SB

Source: biblemoneymatters.com

How Do You Define True Wealth?

One of the discussions that we always seem to be having in this country has to do with what constitutes “wealthy.”

Are you “wealthy” if you make more than $250,000 a year, or do you need a net worth of at least $1 million to really be wealthy?



Questions about what it takes to be wealthy swirl around various factors, including:

  • Is it more about income?
  • Does net worth matter more?
  • How big of a role does location and cost of living play in wealth?
  • Do measures of wealth always have to be in terms of comparison?

The answer, of course, is that what we term “wealthy” is relative.

Someone with an annual income of $300,000 who lives in San Francisco might not be nearly as wealthy as someone who lives in Salt Lake City making $150,000 a year. How much money you have left over after paying your living costs can be a big deal — and it’s one of the reasons that so many people are against using the $250,000 annual income as a threshold for tax policy measures.

While it’s practically impossible to define “true” wealth on a broad scale, though, it is possible for you to determine what you think it means to be wealthy.

Your Financial Definition of Wealth

The first step is to consider your financial definition of wealth. Leave aside what other say it takes to be “wealthy.” Look at what would make you feel wealthy. In my case, it’s not about reaching a certain number. Some consumers feel they will have “made it” when they have a certain net worth, or when they have a particular income.

I prefer to look at wealth in terms of what my money allows me to do. Do I have enough money to cover my survival needs? Can I do most of what I want? If the answer is yes, I feel as though I have sufficient financial wealth. I am able to save for retirement, go on trips, and afford to live in my current location. I don’t need a certain type of car, or a big screen TV, to feel as though I’m wealthy. Instead, I like the idea of being able to use my money how I want. The choices make me feel wealthy.

Your Non-Financial Definition of Wealth

Of course, wealth isn’t just about money. There are other ways to view wealth. I like to look at my family and friends. Do I have people in my life that I care about? Do I feel like they care about me? What about health? The ability to pursue interests and hobbies? Can I feel a connection to my community?

All of these are questions that go into your non-financial definition of wealth. For many people, having a huge pile of money doesn’t assuage feelings of loneliness, or make up for the fact they feel no real purpose in life. If your life isn’t rich with experiences and love, can you really consider yourself wealthy, even if you have a lot of money?

What do you think? What is your definition of wealth?

Source: biblemoneymatters.com

InboxDollars Review: A Legit Way To Make Extra Money In Your Spare Time

If you’re looking to make some extra money in your spare time, then you may want to consider giving InboxDollars a try.

The platform advertises that it has paid out over $59 million in cash rewards over the years, so you know they’re a legit site.

In this article we’ll explore how you can sign up for InboxDollars and get your piece of this pie.

InboxDollars Review

Quick Summary

  • $5 signup bonus.
  • Multiple ways to earn cash.
  • Payments via PayPal, check, gift card.
  • Good way to waste some time and earn.
Quick Navigation

What Is InboxDollars?

InboxDollars is a platform that allows consumers to get paid for doing surveys, watching ads, and redeeming cash back offers. Take your extra time and earn some extra money on the side. 

You can access InboxDollars through their website or by using their app, so you can make money on the go, or even while you’re standing in line. 

The premise of InboxDollars is simple. They invite brands to pay members for information. When you fill out a survey, shop through a cashback portal, or provide feedback on a video, you will earn cash, and the participating company gets the information they need to build or adjust their marketing campaign or product. 

The company is a legitimate company, founded back in 2000 with a solid Trustpilot rating and thousands of positive reviews. InboxDollars even has an A rating at the Better Business Bureau. The company doesn’t share or sell your personal information for marketing purposes, and many reviewers talk about making money with the site almost immediately.

[embedded content]

How To Sign Up For InboxDollars

To get started with InboxDollars and start to earn money online, you’ll need to create an InboxDollars account. 

InboxDollars will reward you with a $5 bonus for signing up and confirming an email address through our link here: 

InboxDollars Signup Page $5 Bonus

To complete your account sign up, however, you will need to fill out the questions on a profile survey.

This survey consists of 30 questions and asks about your demographic information such as your age, geographic location, and gender.

InboxDollars Signup Information Profile

While this may take up to ten minutes to complete, you’ll not only receive a 50 cent bonus, but it will enable InboxDollars to tailor future surveys to your specific demographics.

How To Earn Money With InboxDollars

One of the most attractive benefits of Inbox Dollars is that you can make money in a variety of ways.

Not only do you get paid to sign up, but you can choose activities to suit your personal preferences. 

Get Paid For Doing Surveys

With InboxDollars you can get paid for doing surveys. Depending on the complexity of the survey, you could earn up to $5 for a survey. Most surveys will pay anywhere from $0.25 to $1.

For higher paying surveys, you can expect to spend 10-20 minutes taking the survey. Although this may not seem like much, the surveys are designed to be completed in a relatively short time, so they can easily fit into your daily schedule. You can complete the surveys at any time.  Stuck waiting in line or waiting to pick the kids up from school?  Fill out a survey or two and monetize your time!

InboxDollars Fill Out Surveys For Cash

If you’re part of a demographic group in high demand, your potential earnings can dramatically increase. If a company is desperate to hear the opinions of your particular group, you could earn as much as $20 for a completed survey. 

If you want to maximize your earnings filling out surveys, you need to check out the “My Surveys” page to check which are the best surveys. These are indicated with stars next to them as an indication that you are most likely to qualify for these particular surveys. It’s a good idea to start with these surveys, as you will earn the most, before working through any others. 

You can also rack up some points by completing all of the profile surveys if you didn’t complete them during sign up. 

Get Paid Watch Videos

InboxDollars also allows you to make money watching videos. You earn by watching short video snippets in their video player.

InboxDollars Get Paid To Watch Videos

These snippets can be related to almost anything, from cooking demos and commercials to movie trailers and celebrity talk shows. You can earn approximately $0.02 for each video you watch.

So, if you need a break from your latest Netflix binge, watch an InboxDollars video and earn a little extra cash as wait for your popcorn. 

Play Games

According to some users, playing games is one of the hardest ways to earn some money through this platform. It is still possible to earn a few extra dollars to your account balance. 

InboxDollars is partnered with GSN (the Game Show Network) to offer paid games. Unfortunately, you need to spend money to earn cashback on this “casino.”

If you already enjoy playing paid online games, it could provide a great way to earn some cash back, but this likely won’t appeal to everyone. You can expect to earn $0.18 for every dollar you spend on GSN games. If you’re not a gaming enthusiast, however, you could quickly eat through your InboxDollars balance.  So be careful.

Shop Via The InboxDollars Portal

If you’re already shopping online, you can use InboxDollars to earn cash back.

Cash back portals aren’t anything new, but if you’re already signed up to InboxDollars, you can use the platform to shop and earn cash back. 

One advantage of InboxDollars is that the platform will also help you to locate discounts, cashback deals, and free samples. There are rotating deals, so you’re not likely to run out of deals and options. The company will even send you an email to explain the deal, so you can assess them to check if they are right for you before you start shopping. 

InboxDollars Cash Back Shopping Portal

The InboxDollars coupons section is powered by coupons.com, so you can find some excellent deals on the items you were going to purchase anyway.

There is a coupons tab on the platform, so you can search for coupons on home goods, food, and other categories. So, whether you earn $1 off mouthwash or a couple of dollars off baby food, you can save money on items you normally buy.

InboxDollars Coupon Section

Just select the coupons that you want to clip and print, and when you’re done hit the “print coupons” button. You’ll earn $0.01 per coupon, up to $0.25 per day. 

Of course, you’ll need to have some discipline to not use coupons for items you wouldn’t normally buy, as you’ll end up spending more than you save. 

Other Ways To Earn

There are also some other ways that you can add to your InboxDollars balance. One of the easiest is by answering emails.

Most of us have a full inbox, but you’re not likely to be overly taxed by a couple of additional emails. The platform allows you to earn cash back just by reading those emails from InboxDollar’s partner companies. 

To get the points, you need to either read the email and click a button or link or take up the offer in the email. 

If you find that you’re getting too many emails, you can always “roll up” your email notifications, so that everything is compiled into one message. However, InboxDollars does make a promise “not to flood your inbox,” but this is subjective. Some people find an email a day a pain, while others are unfazed by multiple messages. 

InboxDollars App

You can choose to use the InboxDollars website or the app. The app is available for Apple devices or Android through the Google Play store. It has a high rating on both the App Store and Google Play. 

InboxDollars mobile app

The app allows you to continue making money online, completing “my surveys” and other microtasks while on the go. So, you’re not tied to your laptop or desktop computer, making it easy to make some extra cash in those spare moments that you have throughout the day. 

The app has a clean layout and is easy to navigate, but some users have reported glitches in the app, which may mean you need to close the app and restart it.  

How To Get Paid With InboxDollars

As we’ve touched on above, you can earn anywhere from $0.50 to a few dollars for each task, and your earnings will be added to your account balance. Fortunately, InboxDollars makes it easy to convert this balance into cold, hard cash. Once you reach the minimum $30 balance, you can cash out with a gift card, check, or PayPal payment. 

To request a payment, you just need to click on the “Request Payment” link in the “My Account” tab. You will need to check your name, mailing address, and account details to ensure that your payment is correctly processed. You can then select your preferred payment option. 

InboxDollars Payment Options

First payments are processed approximately ten days after your first request and occur on each Wednesday. The first payment takes this long due to the verification process that needs to be completed before the payment can be issued. However, once you’ve had your first payment processed, future payments will be quicker.

After your first payment, your payments will be processed each week, but you will need to request it before Sunday 12 am, so it can be processed the following Wednesday. 

The payment options include ePayment, which allows you to use your Tango Card to bank your earnings. However, you can also request a check payment that should be received within two weeks or request a PayPal payment or gift card. 

Pros And Cons Of InboxDollars

As with every platform, nothing is perfect, and there are some pros and cons associated with InboxDollars.

The platform does offer a number of different ways to earn money, so if you have some spare time on your hands, you can switch between completing surveys, playing games, watching videos, and redeeming coupons. This diversity means that if you get bored with completing surveys or there are no surveys available for your demographics, you can still earn money by completing other tasks. 

The downside of InboxDollars is how long it will take you to cash out. There is a minimum threshold of $30, which can be challenging unless you’re using the platform each day. Additionally, some users have complained that it takes a while to find surveys that they qualify for. This can be discouraging if you have limited time and are struggling to find surveys that are appropriate for your circumstances. 

Alternatives To InboxDollars: Swagbucks Vs. InboxDollars

If you’re still unconvinced about whether InboxDollars is the right option for you to earn money online. Online surveys are not a new concept, and there are quite a few alternative platforms that allow you to complete surveys and other tasks as a side gig.

One of the most well know alternatives is Swagbucks. Like InboxDollars, Swagbucks is primarily a survey platform, but you can also earn watching videos, playing games, and online shopping. 

Swagbucks was established in 2008 and has paid out over $379 million in rewards to its 10 million users. 

The most obvious difference is that each task is rated according to how many Swagbucks or SBs you will earn. One SB is roughly worth one cent, so you’ll need 500 SBs to earn a $5 gift card or PayPal transfer. This does make Swagbucks a little more complicated to use. You can earn anywhere from 40 to 100 SBs for completing a survey, which sounds more impressive than $0.40 or a dollar, so it is easy to be lulled into the sense that you’re earning more. 

Swagbucks is a legit company, and it does offer more partnerships compared to InboxDollars. For example, you can use Swagbucks Watch to watch random YouTube videos, but you’ll only earn a point or two for every half hour. 

This does make Swagbucks a viable alternative, and there is nothing stopping you from using both platforms to make some extra cash. Check out our full Swagucks review for more about the service.

Is InboxDollars A Scam? Is It Worth It?

InboxDollars is a legitimate site, and it is not a scam.

As with all of these types of platforms, you’ll only get out of InboxDollars what you put in. The earning potential is there, but it may not be as effective as platforms that solely focus on one area. 

For example, SurveyJunkie pays more for surveys, while TopCashBack may be a better alternative for cashback. 

InboxDollars does provide a good all round platform, however. This allows you to complete surveys, or if you’re not in the mood, you can mix things up by watching a video, playing a game or doing a little online shopping. 

Although the minimum cashout threshold is a bit high at $30, if you’re completing tasks each day, you should find this to be simple to accomplish on a regular basis.

InboxDollars Review

Source: biblemoneymatters.com

How to Save $5,000 This Year with the 52-Week Money Challenge

This post originally appeared in the Financially Independent Millennial. 

The views and opinions expressed in this article are those of the author only and are not endorsed by Credit.com.

Table of contents

Do you want to save $5,000 this year? If so, look no further. In this article, I go over my 52-week money challenge that you can start today. Then, at the end of each tip, I’ll give you the potential savings (a year) where applicable.

No one likes to throw money away, and you and I know that saving isn’t an easy task! You might know when your paycheck will hit your bank account. And that’s a great start! But, if you don’t know where your money gets spent, there are likely places you can save. Indeed, you’re more than likely to have spent on unnecessary items. And sometimes, you may not even realize you’re spending so much. For example, when buying “stuff” cheap items and paying for subscriptions, the costs add up. 

Related Read: How to Avoid Emotional Spending

2021 is another year, and it’s time to start a new challenge. Take the 52-week money challenge, and I bet you can save $5,000 before the end of the year. What would saving $5,000 mean to you? Would you use it to pay off a credit card, your car, or how about a vacation? 

There are many things you can do with $5,000. Saving is not an easy task, but with these tips, it’s possible. So, let’s dig in and explore how to save $5,000 this year with my 52-week money challenge:

Planning to Save $5,000 In A Year

[embedded content]

In this section, we’ll look at all the ways you can plan your $5,000 savings this year. Further, there’ll be ways you can save on your monthly expenses.

Create a Budget

If you’re going to save any money this year, the first thing you’ll need is a budget. If you have one, that’s great. But if not, you need it now! A budget helps you spend your money and live within your means. It allows you to create a monthly income surplus and deposit them in your savings account.

Let’s face it, saving $5,000 in 52 weeks isn’t easy. But, a budget will help separate your cash flow into categories. Then, you’ll build a monthly income surplus. And in no time, you’ll achieve your goal. Creating a budget is a simple task. But it’s essential to stick to your budget. 

I recommend starting by going back three months and recording those daily expenses. When you look at your spending, you can locate the areas you spend too much. If you identify such areas you spend much, you can adjust your spending. That’s one way to achieve your $5,000 savings goal. 

Additionally, tracking your spending is beneficial. It helps you be more careful about the amount you spend, knowing that you have to record all the details. 

Related Read: How to Make a Budget

Increase Your Insurance Deductible 

One way to save money is to lower your spending. An easy way to save $5000 this year is to increase your insurance deductibles. For example, consider your home and auto insurance deductibles.

A recent study reported that homeowner’s insurance premiums hover around $1,200 a year. If you bump up your deductible, for example, from $500 to $1,000, you could save as much as 25% on your premiums. Remember, a higher deductible means the insurer will have a lower risk, and as a result, offer you a lower premium. 

If you consider this strategy, speak with your insurance agent. They will tell you how much you’ll save after increasing the deductible. 

Indeed, you can also use this option for auto insurance. A study reported that you could save up to $30 per month after increasing the deductibles, from $250 to $1,000. 

Potential Savings: $600 a year.

Cancel Your Unused Gym Membership 

A gym is one place that you have to pay for membership. But, after you’ve committed yourself for some time, you now realize your visits are slowing. If so, it’s time to cancel the membership. Why pay membership fees for something you don’t use. So, canceling an unused membership is a useful option to add more money to your savings basket. 

For example, depending on your location, a gym membership’s monthly cost could be as high as $50/mo. Various studies report that as much as 70% of the members don’t use their membership. Indeed, paying for unused memberships drains your budget. 

Now, you might feel that canceling the gym membership means that you are giving up on your body. If so, consider various other ways to get fit: you can run, walk or ride a bicycle. Besides, there are many YouTube Exercise Videos that you can follow along. Additionally, if you prefer strengthening training, free fitness apps like Fitbod can help.

Potential savings: $500 a year

Cancel Unnecessary Subscription Services 

A study reported that you might spend $200+ on monthly subscriptions. Think video streaming, photo editing apps, and more. 

The money you pay for these subscriptions may seem minimal, but it adds up. $20/mo for one, $50/mo for a subscription box, and so on. Spend the time and review all your subscriptions and identify those you will cut. 

Some subscriptions have alternatives, which are free or low cost. For example, you may subscribe to Audible for $20/mo, an audiobook service. Audible may be popular, but there are free alternatives.

Potential Savings: $2400 a year.

Reduce Your Food Waste  

Food waste costs money and negatively impacts the environment. On average, US households throw away as much as $1,800 a year worth of food. Indeed, food waste is terrible for your budget. 

Related Read: Grocery Shopping On a Budget

Reducing food waste isn’t something that will happen overnight. There are a few proven tricks that may help you with your journey. If you need to reduce food waste, consider using a shopping list, and start planning your weekly meals.

Potential savings: $1,800 a year.

Cut Commuting Costs 

Another easy way to save $5000 this year is to cut commuting costs. If you go to work for five days a week, commuting by car adds up. 

A recent study by Citi suggested daily commuting can cost you $10/day and over $2,600 in a year. For example, you can carpool with one person, which helps you split the cost in half.

It may be a hassle to find a person you can carpool with. You can start by asking your neighbors traveling to a similar route or co-workers. But using this method could help get you to your $5,000 savings goal. 

Potential Savings: $1,300 a year.

Related Read: 14 Frugal Living Tips You Can Implement Today

Save on Bank Account Fees

A recent study by the CFPB indicated that Americans spend, on average, $250 a year on banking fees. And 75% of it is NSF charges! Indeed, this is a completely unnecessary waste of money.

Switch to a free checking account, and keep at least 2-3 months of your monthly expenses to void NSF fees. 

Potential Savings: $250 a year.

Signup for Credit Card Bonuses and Rewards 

Finding extra money helps you save. One creative way to save $5,000 this year is to consider credit card offers. There are many options for credit cards with the best rewards programs. You could earn rewards like cash back on certain purchases, airline miles, hotel and loyalty points, etc. Browse through these offers to find which one works best for you. 

Lastly, remember to never carry a high balance on a credit card and pay it off in full each month

Potential Savings: $1,000 a year.

Sell Items You No Longer Use 

No doubt, you have stuff you don’t need to use at home or the office anymore. So, such things might seem like junk, but I bet some will have value among them. 

The quickest way you can make extra money is to gather up all the items you no longer need and sell them. And, if you have enough stuff, you can host a yard sale and get rid of them fast.

A yard sale is an excellent way to get rid of your items within a day or two. If you have more valuable items, they will likely fetch more money online. For example, you might consider Facebook marketplace or Craigslist. I like Craigslist due to its wider audience. 

Potential savings: $1,000

Save Money on Entertainment 

If there’s one thing many people spend a lot of money on, it’s entertainment. That said, cutting back on entertainment expenses is an excellent option to save $5,000 this year.

Look at your budget and see the amount you spend on entertainment. It includes sporting events, movies, concerts, meals with friends, and trips to the bar. All these expenses can add up fast. 

But that doesn’t mean you shouldn’t spend on entertainment. Doing the things you love helps you live a balanced lifestyle. There are easy ways to cut back on entertainment expenses without sacrificing your fun. 

Look for cheap or free things to do. Another option is looking for a new hobby that you know will not cost you much money. Give yourself a fair limit on the amount you can use for entertainment.

Potential Savings: $2,000 a year.

Start a Side Hustle

As you reduce expenses, it’s also essential to look at other ways to make money. Consider one of many side-hustles out there, and I’m sure you’ll find a good fit. 

Here are a few side-hustles you can choose from to get to your $5,000 savings goal.

  • Taking online surveys – This is among the best options to make extra money across the world. It isn’t a lucrative option, but the best thing is that it is flexible. You don’t sacrifice most of your time because even while watching TV, you can take surveys. Many survey sites offer you signup bonuses. These include Survey Junkie, Inbox Dollars, Swagbucks, MyPoints, among others. 
  • Flea Market Flipping – Selling things you don’t like may become your side hustle. It can help to earn money through buying and reselling. The best place to purchase items is at thrift stores, flea markets, and yard sales and resell them at higher prices. Some of the things you can buy include wood furniture and paint them to get a new look. Such furniture you can sell at a nice profit on Craigslist.
  • Freelancing – There are various professional services you can offer. For example, you could become someone’s virtual assistant. Or, even write content for websites and blogs like The Financially Independent Millennial! Other freelancing options include web development, web design, graphic design, social media marketing, photography, and more. 
  • Dog Walking And Pet Sitting – Dog walking or pet sitting are among the easiest side hustles you can do. And you’ll earn extra income, and make a lot of money. Indeed, pet owners do love their pets and spend a lot of money on them. And, this side hustle does not need you to have special skills.
  • Drive for DoorDash – Doordash offers an excellent way to make good money. Offering delivery services is a great chance to earn extra money with flexibility. This option allows you to set your free hours and make money fast. 

 Related Read: Best Side Hustles To Start in 2021

 Final Thoughts on How to Save $5,000 This Year

In this article, we covered some different ways to boost your savings. Ask yourself, “is today the right time to start your 52-week money challenge?” Indeed, if you were to follow each of these tips, you could save yourself over $10,000 a year. Go ahead and reduce spending with these tips. And at the end of the challenge, I have no doubt you’ll save $5,000 this year. But remember, you don’t have to deprive yourself! Cut your spending from various activities, and your savings will add up with time.

Source: credit.com

8 Tips for Improving HVAC Efficiency

By properly maintaining your heating, ventilation, and air conditioning (HVAC) system, you can improve its efficiency and reduce heating and cooling costs dramatically.


Tiffany Rowe, Seek Visibility (Partner)
October 25, 2018

reduce your heating and cooling costs by up to 20 percent.

2. Consider a Home Warranty

If you’ve ever wondered how to compare home warranty vs. home insurance, now is your chance to learn. Home warranties guarantee the systems of your home, like your HVAC, against the ravages of time. If your HVAC breaks down for any reason, you can contact your home warranty provider, who will send an HVAC specialist to diagnose and fix the problem for a low, flat fee around $70. Though a home warranty won’t keep your HVAC in tip-top shape, it will secure you against total HVAC failure.

3. Calibrate Your Thermostat

You shouldn’t just trust that your thermostat knows what temperature it is in your home. It is easy for thermostats to be anywhere from a percent of a degree to five whole degrees off from the true temperature, and that seemingly small difference will cost you over time. To be certain your thermostat is reading true, you need to purchase a trustworthy thermometer and keep it on the wall a few inches from your thermostat. Then, using that tool, you can calibrate your thermostat appropriately.

4. Check Your Economizer

Economizers are machines attached to your HVAC to ensure high efficiency, but they don’t always work as expected. Often, economizers slip their links or contain faulty controls—or else someone in the past tinkered with them improperly. You should pay a visit to your HVAC economizer and give it a once-over; look specifically for open dampers (which should be kept closed) and any signs of quick fixes, like string or unfinished wood, that could indicate issues.

5. Control Your VFD

A variable frequency drive (VFD) controls the speed of the motor in your HVAC unit, providing energy savings proportional to the rotations per minute. However, like economizers, VFDs can malfunction and/or can be interfered with, causing efficiency-related problems. You should peer into your VFD and ensure that it isn’t running on bypass mode, so you can reap appropriate energy savings.

6. Cut out Your BAS

A building automation system (BAS) provides centralized control of HVAC as well as lighting and other systems. Such systems usually only exist in larger structures with more complex energy and control needs, but if your home is in an apartment or condo building, you might be subject to a BAS. You should either try to remove a BAS that is impeding the proper use of your HVAC or else contact your building manager to express concern over the BAS functionality.

7. Clean Your Coils

On the same day you clean your refrigerator coils, you should also clean your HVAC coils. Because HVAC units are typically placed in out-of-the-way areas that are rarely cleaned – like your roof, your basement, your attic or a corner of your yard – it doesn’t take long for them to accumulate dirt and grime. Debris on your HVAC coils forces the machine to work harder to produce the same effects, and it can reduce indoor air quality. Thus, you should schedule a coil cleaning at least once per year.

8. Connect Timers

There is no sense in heating or cooling an empty home. When you are away – at work or on vacation – you should consider setting a more lenient temperature on your thermostat, so it doesn’t need to work so hard for no benefit. You can also connect timer switches to your most energy-hungry devices, like gaming consoles, desktop computers and appliances, for a similar effect.

Over time, your HVAC will become less efficient—unless you do something about it. By participating in preventative maintenance, you can reduce your home energy costs and avoid the high expense of repairing or replacing your equipment. 

Source: quickanddirtytips.com

Making Money Mortgage Tips

17 Realistic Ways To Make $100 Per Day

admin 0 Comment

With the current economic conditions of 2020, and with tens of millions of Americans out of work, there are plenty of people looking for creative ways to make money outside of a traditional job.

Regardless of whether you’re looking to supplement your existing income from a job, or whether you’re looking for something to replace a job, there are plenty of options.

While there are a lot of advertisements that promise quick money online or from home, not every opportunity is legit. If you want to avoid scams and actually earn money for your time and effort, stick to one of the proven methods that are covered on this page.

When it comes to side hustles or starting an online business, making $100 a day is a major milestone. While you’re not going to get rich at this level of income, it’s still a significant amount of money that can make a huge difference. And if you’re able to make $100 per day, chances are, that can be increased with the right effort.

Ways To Make $100 A Day

Quick Navigation

legit ways to make money outside of a job, here are some of the best possibilities that you should consider.

1. Freelance Writing

Working as a freelance writer is one of the best opportunities of 2020 and beyond. There are millions of websites and blogs that rely on new content, and a large percentage of that content is written by freelancers. Even aside from online business, there are other opportunities like writing for newspapers, magazines, and other publications.

Some freelance writers take a general approach and write about any topic of the client’s choice. Others choose to specialize in a particular industry in order to grow their profile and become a recognized authority on the topics that they write about. If you take the specialized approach, you can choose a topic that interests you and you’ll probably find that the work is more enjoyable.

Not only are there plenty of opportunities, but the pay can be quite good as well. Of course, there are definitely low paying freelance writing gigs out there, but many writers are able to earn a significant income while benefiting from a flexible work schedule.

Pros of Freelance Writing:

  • Strong demand with lots of websites and blogs constantly in need of new content.
  • Write about something that you enjoy by specializing in the industry of your choice.
  • Excellent income potential.
  • It can be done full-time or part-time, depending on your schedule and the amount of money that you need to make.
  • Start making money right away, as soon as you land your first client.

Cons of Freelance Writing:

  • Some gigs are low-paying.
  • You’ll face more competition for the higher-paying gigs, so you may need to start with some lower-paying opportunities to get experience.

Getting Started as a Freelance Writer

There are a lot of different ways to find clients, including job boards like ProBlogger, Blogging Pro, and Freelance Writing Gigs. It’s also a good idea to use your existing personal or professional network to try to land a client or two.

2. Self-Published Author

Another way to make money as a writer is to become a self-published author. Instead of getting paid to write for clients, you’ll write and sell books or ebooks.

Amazon’s Kindle Direct Publishing is the most popular platform, and anyone can become an author without the need for experience or piles of cash to spend on printing. Through KDP, you can sell ebooks and print-on-demand paperbacks, which means there is no inventory to buy.

While working as a freelance writer allows you to start making money right away, becoming a self-published author requires some patience before you’ll start earning significant money. Obviously, you’ll need to finish your first book/ebook before it will be available for purchase, and it will also take some time to build up your business. However, there is plenty of income potential if you’re willing to put in the time and effort to make it happen.

Pros of Self-Publishing:

  • No need to find clients or deal with clients.
  • Excellent income potential.
  • Write about whatever you want. You’ll choose your own topics and the types of books that you want to write.
  • Print-on-demand means that you can sell paperback books without the cost of buying inventory.

Cons of Self-Publishing:

  • You’ll need to put in a lot of time and work before making money.
  • Constant writing. Most people who make a significant income with self-publishing are constantly working on new books.

Getting Started as a Self-Published Author

From First Draft to Bestseller is a thorough course on Skillshare that will help you to get started. You can get access to the course free for two months with a Skillshare trial.

3. Virtual Assistant

Virtual Assistant side hustle

Working as a virtual assistant (VA) has been one of the best ways to make money online over the past few years. And with many companies looking to reduce costs, it’s likely that even more work will be outsourced to VAs rather than hiring employees to do the same tasks.

Virtual assistant is a broad term and VAs can offer a wide range of administrative services. This could include things like managing email inboxes, moderating forums or Facebook Groups, managing social media profiles, writing or editing blog posts, designing images for blog posts or social media sharing, and much more.

Some virtual assistants offer a very wide range of services, while others take a more focused approach and specialize. Those who specialize and are able to brand themselves as experts in a particular area are usually able to demand higher rates from clients.

Pros of Working as a VA:

  • Plenty of opportunities as many companies and entrepreneurs hire VAs.
  • Likely increase in demand due to more companies outsourcing work in the current economic conditions.
  • Good income potential, especially for those who take a specialized approach.
  • It can be done full-time or part-time, depending on your schedule and the amount of money that you need to make.
  • Start making money right away, as soon as you land your first client.
  • Use your existing skills to make money.

Cons of Working as a VA:

  • Some gigs are low-paying and you may find yourself competing for jobs with people who charge very low rates.

Getting Started as a VA

Gina Horkey is an experienced and successful VA that covers everything you need to know to get started in 30 Days or Less to Virtual Assistant Success.

4. Transcription

If you have some typing skills (speed and accuracy), working as a transcriptionist is an excellent way to make money. There are plenty of opportunities to make money by transcribing audio or video, and those opportunities continue to increase as more and more audio and video content is being published online every day.

Transcription work is generally very flexible. There are a number of websites that provide transcription work and most of them allow you to work as much or as little as you want, whenever it’s convenient for you.

You’ll have the option to signup and use transcription websites, or you can look for freelance opportunities. Freelancing will take more effort but will offer higher income potential.

Pros of Transcription Work:

  • Make use of a skill you already have (typing).
  • It can be done part-time or full-time, depending on your needs and availability.
  • Lots of opportunities available.
  • Start making money right away.

Cons of Transcription Work:

  • You need to be fast and accurate at typing. If you don’t already have those skills, you’ll need to practice.
  • Some gigs are low-paying. Determining how much you’ll be able to earn can be tricky as most gigs pay per audio minute or per audio hour, not per hour of work.

Getting Started as a Transcriptionist

The easiest and quickest way to get started is to make use of websites that allow you to sign up and claim the work that you want. There are a number of these sites and you can find the best transcription jobs here.

Transcribe Anywhere has a course that will teach you to be a transcriptionist for general and legal transcription. You’ll learn everything you need to know to start making money. You can also check out a related proofreading course, Proofread Anywhere to see if proofreading might be for you.

5. Bookkeeper

Working as a bookkeeper is an opportunity that’s often overlooked or underappreciated. Some bookkeeping jobs can be done remotely, either part-time or full-time. But the better income-generating opportunity involves working as a freelancer or starting your own bookkeeping business.

You may already have some bookkeeping skills or experience that could be put to good use. And one of the reasons why bookkeeping is a great option is because the skills can be learned relatively quickly. You don’t need an accounting degree and many bookkeeping jobs are entry-level with no experience required. With a little bit of effort, you can learn the skills needed to work as a bookkeeper, either as an employee or freelancer.

Pros of Bookkeeping:

  • Excellent income potential.
  • Uses skills that can be learned relatively quickly.
  • In-demand service that businesses will always need.
  • It can be done part-time or full-time.

Cons of Bookkeeping:

  • If you don’t have any bookkeeping experience, you’ll need to learn.

Getting Started as a Bookkeeper

Bookkeepers.com offers 3 free classes that show you how to start your own bookkeeping business and work from home.

6. Grocery Shopper

Grocery shopping and delivery services have been increasing in popularity over the past few years, and that was before the COVID-19 pandemic. Now, with more people staying home, services like Instacart have become more popular than ever, and that opens up new opportunities for making money.

Instacart offers two different ways to make money. One option is to work as an in-store shopper. Instacart’s in-store shoppers are part-time employees who are not responsible for deliveries. You would be getting a customer’s grocery list and you do the shopping for them.

The other option is to be a full-service shopper, which involves doing the shopping and making deliveries to customers. Instacart’s full-service shoppers are independent contractors and you must have your own vehicle.

Both options offer flexible hours, so you can make the work fit around your existing schedule.

Pros of Working as a Grocery Shopper:

  • Start making money right away. Sign up now and as soon as you’re approved and cleared to work, you’ll be able to start earning money.
  • In-demand service that provides plenty of work.
  • No experience required. Almost anyone can do it.

Cons of Working for as a Grocery Shopper:

  • Options for increasing your income will be limited.

Getting Started as a Grocery Shopper

Getting started is easy. Just sign up at Instacart’s website and you’ll be led through the process. You’ll need to decide whether you want to work as an in-store shopper or full-service shopper.

7. Rideshare Driver

Be a rideshare driver to make extra money

Driving for Uber and/or Lyft has been a popular side hustle for a couple of years now, and it’s still a legit way to make money around your existing schedule.

As a driver, you can work as much or as little as you want. You can sign up today and start making money as soon as you’ve passed the background check and been cleared to drive (usually a few days).

Pros of Rideshare Driving:

  • Start making money right away.
  • No specific skills or experience required (aside from driving), so basically anyone can do it.
  • It can be done part-time or full-time.

Cons of Rideshare driving:

  • You’ll need to calculate the maintenance and wear-and-tear costs related to the extra miles on your vehicle.
  • You’ll need a vehicle that will meet Uber or Lyft’s requirements. If your vehicle doesn’t meet the requirements, you’ll need to rent one that does.
  • You’ll have strangers in your car, which can be uncomfortable for some people.
  • Opportunities may be limited in rural areas.

Getting Started as a Rideshare Driver

To get started, fill out an application with Uber or Lyft. The application process is pretty straightforward and you should be able to start diving in about a week.

8. Delivery Driver

If you like the idea of making money as a driver, but you don’t want to give rides to strangers, working as a delivery driver may be a better option for you.

While rideshare driving can be a good option too, many people won’t have a vehicle that meets the requirements. But most delivery jobs, like DoorDash for example, do not have stringent requirements and you can use almost any vehicle.

Working as a delivery driver also allows you to start making money very quickly, and you’ll still benefit from a high level of flexibility. Many delivery jobs involve making deliveries from restaurants, including:

Aside from restaurant delivery, another legit option is to deliver packages for Amazon through the Amazon Flex program.

Pros of Working as a Delivery Driver:

  • Start making money right away.
  • No specific skills or experience required (aside from driving), so basically anyone can do it.
  • Use any vehicle.
  • No need to have strangers in your car (as opposed to rideshare driving).

Cons of Working as a Delivery Driver:

  • You’ll need to calculate the maintenance and wear-and-tear costs related to the extra miles on your vehicle.
  • Opportunities may be limited in rural areas.

Getting Started as a Delivery Driver

Choose the app or platform that you want to use, and sign up. Once you’re approved, you’ll be able to start driving and make money very quickly.

9. Start A YouTube Channel

Blogging is often mentioned as a way to make money online. While it’s definitely true that you can make money as a blogger, there’s much less competition if you decide to pursue video content instead of written content.

There are more than 500 million blogs online in 2020 (source), but there are only about 31 million YouTube channels (source). And despite the significantly lower number of YouTube channels, video content is increasing in popularity significantly. More people watching online videos lead to more opportunities to make money with YouTube.

Just like blogging, you can start a YouTube channel on any topic that interests you. With your own channel, you’ll have the potential to make more from advertising (YouTube Partner Program), affiliate programs, and sponsorship.

Pros of Starting a YouTube Channel:

  • Unlimited income potential.
  • Constantly increasing demand for video content.
  • Start a channel on any topic that interests you, so you can incorporate your hobbies or things that you enjoy in your work.

Cons of Starting a YouTube Channel:

  • You’ll have to build up your audience before you start making money, which can take a lot of work.
  • The YouTube Partner Program requires you to have at least 1,000 subscribers and 4,000 watch hours in order to monetize videos with their ads.

Getting Started with YouTube

Stand Out and Make Money on YouTube is a course taught by a YouTuber with more than 5 million followers. The course is on Skillshare and you can get access with a free two-month trial.

10. Create And Sell Digital Products

If you have a website or blog, or if you’re interested in starting one, one of the best ways to make money is to create and sell digital products. There are all kinds of possibilities here, it really just depends on the niche that you’re in and the target audience of your site. Some of the possibilities include:

  • Ebooks
  • Stock photos and graphics
  • Music and audio files
  • Printables
  • Templates

These are just a few possibilities and some of them are very broad. For example, printables and templates could include any number of different products, and possibilities exist in just about any industry or niche.

Aside from leveraging your own website or blog traffic to sell our products, you could also sell on marketplaces, rely on affiliates to send traffic, or use paid ads (like Facebook, Google, or Pinterest ads).

Pros of Selling Digital Products:

  • Great way to monetize an existing website or blog.
  • Unlimited income potential.
  • Possibilities in any industry or niche.
  • Potential for passive income.

Cons of Selling Digital Products:

  • Some products will require a lot of time to create.
  • You’ll need to get exposure for your products in order to make money.

Getting Started with Digital Products

If you’re looking to get started quickly and you don’t already have an existing audience through your own website or blog, one of the best options is to start selling on a marketplace that has an existing audience.

Etsy is known as a great place to buy or sell handmade goods, but it’s also an excellent platform for selling digital products. Build an Etsy Shop That Sells is a great introductory course at Skillshare that shows you how to get started. You can access the course with a free two-month trial of Skillshare.

11. Create And Sell Online Courses

Online courses could fall under the previous point about digital products, but I wanted to mention courses separately because this opportunity is different from a lot of other digital products, and because online courses are extremely popular.

While there are a lot of different types of digital products that you can sell, online courses typically have a very high perceived value, and so it’s possible to charge a premium if you offer a quality course. It’s not unusual for online courses to sell for hundreds or even thousands of dollars. In fact, the same information could be packaged in an ebook and it would probably be hard to sell it for more than $99. Customers perceive the value or a course to be higher than the value of an ebook.

That doesn’t mean that all courses will be high-ticket items. You could create shorter, simpler courses that sell for lower amounts. The price you’re able to charge for your course will also be impacted by your profile. If you’ve established an excellent reputation and a strong following, people will be willing to pay more for your course. If you’re just getting started, a high-ticket course will be harder to sell.

You also have a few different options when it comes to setting up and selling your course. You could use a WordPress plugin to handle the sales and provide students with access to course material. You could use a platform like Teachable that makes it easy to set up and manage your course. Or you could use a platform like Udemy or Skillshare that will help you to get exposure for your course (but may limit your earning potential).

Pros of Creating and Selling Online Courses:

  • Great way to monetize an existing website or blog.
  • Excellent income potential.
  • Brand yourself as an expert in your field through the creation of a course.

Cons of Creating and Selling Online Courses:

  • In general, courses will require more time to create, as compared to other types of digital products.
  • Selling a course can be difficult if you don’t have an established audience or a reputation.
  • Courses can require more maintenance than some other types of digital products (especially if you have a Facebook Group or some other community component to the course).

Getting Started with Selling Online Courses

Online Course Masters by Phil Ebiner will teach you what you need to know to create and sell your own course. This course is available on Skillshare and you get free access for two months.

12. Voice Acting

With so much audio and video content being created, there is a strong demand for voice actors to record voiceovers. You could be recording your voice for a commercial, a sales video, a podcast intro, or any number of other things. 

You’ll need a little bit of equipment (most importantly, a quality microphone), but it’s possible to get started with a modest budget and then upgrade as you go.

Fiverr and Upwork are popular platforms for landing work, or you may be able to find clients on your own.

Pros of Voice Acting:

  • Excellent income potential.
  • Lots of work available.
  • Can be done part-time or full-time, depending on your situation.

Cons of Voice Acting:

  • Finding your first clients can be difficult with a limited portfolio or no portfolio.

13. Pet Sitting / Dog Walking

Make Money As A Dog Walker

You might be surprised by the income potential of pet sitting and dog walking. Making $100 a day is certainly a realistic goal, and there are plenty of people who are making a full-time income.

This can be an attractive option because it doesn’t require any specific skills or experience, and so just about anyone can do it.

In order to make money as a pet sitter, you’ll need a safe place to be able to host pets. That may not be possible if you’re renting a place that doesn’t allow pets, but you don’t need a huge yard or anything special in order to make it work.

While there are many different ways to find clients, apps/sites like Rover and Wag make it easy to create a profile so pet owners in your local area can find you.

Pros of Pet Sitting and Dog Walking:

  • Start making money right away, as soon as you have your first client.
  • No specific skills or experience required.
  • Lots of work available from pet owners who travel, don’t have time to walk their own dogs, or aren’t physically able to do it.
  • Good income potential.
  • Can be done part-time or full-time.

Cons of Pet Sitting and Dog Walking:

  • Opportunities are better in some areas (like big cities).
  • Pet sitting requires you to have a place to keep the animals.

Getting Started with Pet Sitting and Dog Walking

The easiest way to get started is to create a free profile at Rover and/or Wag.

14. Become An Influencer

Do you spend a lot of time on social networks? If so, wouldn’t it be great if you could get paid for sharing new products or brands with your friends and followers? 

Influencer marketing allows you to get paid to post sponsored content to your social profiles, and some people are making a lot of money with it. 

In order to make money as an influencer, you’ll need to have a responsive audience, and the larger, the better. You don’t need to have millions of followers, but you do need to be able to get engagement from your followers when you share something.

Pros of Becoming an Influencer:

  • If you already have a large, responsive following, you can make money from it.
  • There are plenty of brands looking for influencers to work with.
  • You can make money doing something that you enjoy.

Cons of Becoming an Influencer:

  • Not everyone is an influencer. You’ll need to be able to elicit a response from your followers.
  • You may need to dedicate a lot of time and effort to grow a following before you start making money.

Getting Started as an Influencer

If you don’t have a strong following yet, building up your social profiles and attracting followers is where you’ll need to start. If you do have a following already, check out this list of 25 influencer marketing platforms.

15. Sell Handmade Crafts

Etsy was mentioned earlier as a great place to sell digital products, and of course, it’s also the leading platform if you want to sell handmade crafts or vintage goods. If you’re crafty, you may enjoy making things that you could sell on Etsy.

This side hustle generally works better part-time, but if you’re successful, there is a chance to turn it into a full-time business.

Pros of Selling Handmade Crafts:

  • Make money doing something that you enjoy.
  • Etsy offers exposure to a massive audience of buyers.

Cons of Selling Handmade Crafts:

  • You’ll face a lot of competition on Etsy.
  • It can be difficult to scale as you’ll need to find efficient ways to make the items.

16. Start A Rental Business

It’s not the first side hustle that comes to mind, but there are plenty of ways to make money by renting out your stuff. You could rent out a room in your house, rent your car when you’re not using it, rent storage space, rent your parking space, rent baby items, and more.

Of course, the amount of money that you’ll be able to make will depend on the items that you’re renting out, but there if you have the right items, you can make good money. For example, if you have a house with a separate unit, you can make a lot by renting it out. RVs are also excellent for renting.

Pros of a Rental Business:

  • Your income isn’t directly tied to the hours that you work. You’re making money based on the things that you have.
  • Turn ordinary things into income-generating assets.
  • Lots of different options.

Cons of a Rental Business:

  • You may or may not have the right things that people want to rent.
  • Your income may be inconsistent.

Getting Started with a Rental Business

Think about the things that you already have that you might be able to rent out. There are online platforms for renting all kinds of things. I can’t cover them all in this article, but Fat Llama is a nice option because you can rent just about anything there.

17. Use Your Existing Skills And Experience 

Depending on the work experience and skills that you already have, you may be able to make money on the side as a consultant or coach. There are consultants and coaches in just about any field you can imagine, so it could be a great opportunity for a lot of people.

Not only are there clients who are hiring consultants, but in most cases, the hourly rate that you can earn is very attractive.

Pros of Consulting/Coaching:

  • Make use of the experience you already have.
  • Excellent income potential.
  • It can be done part-time or full-time.
  • Possibilities exist in many different industries.

Cons of Consulting/Coaching:

  • It may take some time to build up your client base.

Getting Started with Consulting/Coaching

The Complete Master Class on Starting a Consulting Business covers all of the basics. This course is available on Skillshare and you can get free access for two months.

Making $100 A Day Online Is Possible

Earning $100 per day with a side hustle or online business is a great goal that marks a significant milestone.

As you can see, there are a lot of different ways to reach this milestone. The ideas covered in this article give you plenty of options, so find the one that’s a good fit for you and get started.

ways to make $100 dollars

17 Realistic Ways To Make $100 Per Day

Source: biblemoneymatters.com

Making Money

7 Tools for Protecting Your Walls

admin 0 Comment

Patch up and fix up your old walls yourself with these helpful, easy tips!


Bruce and Jeanne Lubin
August 18, 2017

grout, repairing holes in walls, or filling scratches in wood? Use a used-up gift card (or expired credit card) for the job—any unusable hard plastic card will do. And if you’re anything like us, you have plenty of those!

Wall Hole Solution

You’re moving out of an apartment and need to fill in the holes in the wall caused by nails. Just grab a bar of white soap and rub across the hole until the soap fills it. It’s not a permanent fix, but it will make the walls look clean until they can be repainted.

Another Wall Hole Solution

Before spackling small holes in your wall caused by nails, first cut a Q-tip in half and insert in the hole, stick end first. Then spackle as you normally would. The Q-tip will completely fill the hole and ensure you won’t have to go back for a second pass.

Finding Imperfections

Filling and sanding every hole in the wall before you paint can be enough of a pain, but sometimes it’s hard to find every crack, hole, and imperfection. Make your job easier by turning off the lights in a room, then slowly running a flashlight over the entire surface of the wall. The light will cast different shadows in these areas, making them easier to see than they would have been in the daylight.

Got a Screw Loose?

You’ve just struggled to remove a stripped screw from the wall. Now how do you fix the hole? Use a wooden golf tee! First, squirt some wood glue into the hole, then insert the tee as far as it will go, tapping it in place with a hammer. Next, use a utility knife to cut the tee flush with the wall. You’ve now made a stable base for the new screw. Drill a pilot hole into the golf tee, and insert your new screw. Problem solved!

About the Author

Bruce and Jeanne Lubin

Bruce Lubin and Jeanne Bossolina-Lubin are the proud parents of three boys and more than a dozen books. After saving thousands per year using everyday tips and simple lifehacks, they started their own business in the hopes of sharing their knowledge with others. They have been known to go into their friends’ refrigerators to turn their eggs upside down so that they last longer.

Source: quickanddirtytips.com

Making Money Mortgage Tips

20+ Business Ideas For College Students

admin 0 Comment

College students obviously have busy schedules with classes, assignments, social lives, and extracurricular activities, but many students also need to find the time to make some money.

During the 2019-2020 academic year, the cost for the average college student was $30,050 (including tuition, fees, room, and board) according to EducationData.org.

Many college students have part-time jobs in order to cover part of that cost, but starting a business is another way to make money. Starting your own business may not offer the same guaranteed income that you would get from a job with an hourly rate, but there are some significant benefits, including:

business ideas for college students

With those benefits in mind, college can be a great time to start a business.

Not all businesses are equally suited for college students. Ideally, the business should be free or very inexpensive to start, because the last thing college students need is more debt. All of the business ideas covered in this article could be started with very little investment, and they could also be run part-time while you’re taking classes.

Quick Navigation

Student to CEO started a social media marketing business as a 19-year-old college student. Ashley continued to grow the business throughout her time in college and after graduating in 2019. Ashley jumped into running the business full-time.

Because of the combination of high demand and excellent income potential, this is one of the best business opportunities for college students.

2. Virtual Assistant

Another service-related business that has a very strong demand right now is to work as a virtual assistant. You could become a virtual assistant by working through a website like Fancy Hands, but you’ll have much higher income potential if you start your own business.

As a virtual assistant (VA), you could offer a wide variety of services like:

  • Moderating online forums or Facebook Groups
  • Providing customer service
  • Managing social profiles
  • Managing a blog
  • Setting up appointments
  • And much more

You could take a general approach and offer a very wide range of services, or you could specialize in a particular aspect. Specializing may allow you to charge a higher hourly rate, but getting clients is a bit easier with a generalized approach.

If you’re looking to get started, check out 30 Days or Less to Virtual Assistant Success.

3. Blogger

One of the most flexible business opportunities is to start a blog. Not only can you work whenever and wherever you want, but you can also choose the topics that you want to cover on your blog.

Unlike the service-related businesses that were mentioned so far, blogging is a business opportunity that will require some patience, because you’re unlikely to start making money right away. If you’re in a position where you’re able to put in the work without seeing immediate results, blogging can be a great business.

Blogging offers truly unlimited income potential. Some bloggers are able to earn five or six figures per month by working on something that they enjoy.

There are many different ways to make money from a blog, with the most common methods including:

  • Advertising
  • Affiliate programs (getting paid to promote products or services from other companies)
  • Publishing sponsored content
  • Offering a service
  • Selling a product

If your goal is to make money now, consider other options instead of blogging. But if your goal is to start a business that may be able to provide a full-time income by the time you graduate, blogging could be an excellent choice.

4. Freelance Writer

If you enjoy writing but you’d rather work for clients than try to build your own successful blog, working as a freelance writer is an option that you should consider.

As a freelance writer, you could be a generalist and cover just about any topic, or you could specialize in a particular industry or topic. Specializing could give you higher earning potential, but it may be harder to find clients when you’re just starting out.

Freelance writing is one of my favorite business opportunities for a number of reasons:

  • You can get started right away and you’ll be making money as soon as you land your first client.
  • It’s possible to get started with $0 in expenses.
  • There are plenty of opportunities for beginners.
  • There are also plenty of higher-paying gigs for more seasoned writers.
  • It’s very possible to earn an excellent hourly rate (although you’ll typically be paid per word or per project).
  • Demand for the work is likely to remain strong, due to the vast amount of content being published online everyday.

It’s also a totally flexible business. You can work the hours that suit your schedule and scale up or down depending on the amount of time that you’re able to dedicate to the business. It’s definitely possible to work as a freelance writer part-time in college and then transition to full-time by picking up a few more clients (or by doing more work for the clients you already have.

To get started check out Freelance Writing Success.

5. Author

Another business opportunity for those who like to write is to become a self-published author. Thanks to platforms like Amazon’s Kindle Direct Publishing (KDP), anyone can become an author.

Through KDP, you can write and sell e-books and paperbacks that are printed on demand, which means you won’t need to invest money in large runs of printed books.

Amazon obviously offers a massive platform that makes it possible to reach millions of book readers. You can write and sell books in many different genres, so the possibilities are virtually limitless.

Becoming a self-published author is similar to blogging in the fact that you’ll need to be willing to put in a lot of work before you really start to make a serious income.

6. YouTuber

So far we’ve looked at several business opportunities that involve creating written content (blogger, freelance writer, and author). A similar opportunity exists for those who want to create video content, and the demand for online video content is growing at an incredible pace.

YouTube is obviously the #1 platform for video content, and anyone can start a YouTube channel in effort to capitalize on the opportunity.

If you look at successful YouTube channels, there is a great deal of variety. They may be educational, entertaining, funny, or just straight-up weird (I’m constantly amazed by the YouTube videos that my kids find).

This is another business opportunity that offers high income potential but requires some time and patience to build. The YouTube Partner Program, YouTube’s advertising program, requires you to have at 1,000 subscribers and at least 4,000 watch hours in order to make money from advertising.

7. Podcaster

Podcasting is another type of content-related business, focusing on audio content (although some podcasts are also available in video format). Although podcasting has been popular for several years, it’s still a much more wide-open market as compared to blogging.

You could start a podcast on a topic of your choice and make money through:

  • Sponsorships and advertisements
  • Affiliate programs
  • Creating and selling your own products

Just like blogging or starting a YouTube channel, starting a podcast would require you to put in the time to build your audience before you’re able to earn a significant income from it.

One of the interesting benefits of podcasting is that you may be able to build a very strong network. Podcasts often rely on guest interviews for content, and there are thousands of people who are actively looking for spots to appear on podcasts as a guest. Podcasters are able to meet a lot of people and make a lot of connections. As a college student, this could be extremely valuable to you if your podcast is related to the field that you plan to work in after graduation.

8. Tutor

One of the most practical ways to make money as a college student is to become a tutor. If you’re strong in a particular subject, you can tutor other students in your class that may be struggling, or students who are a year or so behind you. You could also tutor high school (or younger) students.

As a tutor, you can earn a nice hourly rate for sharing the knowledge that you already have. There are no costs to start the business, and you can start making money as soon as you have your first client.

9. Photographer

If you have some photography skills, starting a photography business is a natural choice, and there are several different ways that you could make money as a photographer, including:

  • Taking portraits or family photos for clients in your local area
  • Selling your photos at stock photography sites like Shutterstock
  • Becoming a contributor at Vecteezy and giving away free photos (you get paid based on number of downloads)
  • Writing for online publications like photography blogs
  • Creating and selling digital products for photographers (like Lightroom Presets)
  • Becoming an Instagram influencer (and selling sponsorships)

A photography business would be ideal for students who are studying something creative like art, design, or photography. It’s also the type of business that you could start part-time in college and grow to full-time after graduation.

10. Graphic Designer

Starting a business as a graphic designer is a great opportunity for those that have the right skillset. There is plenty of work available and sites like Fiverr make it possible to get started relatively quickly.

Of course, this would be an ideal business for students who are studying design, but anyone with some design skills could make it work. There are plenty of small projects for clients like designing images and graphics to be used with blog posts or social media posts.

Like several of the other opportunities mentioned already, a graphic design business is something that you could do part-time through college and then turn into a full-time business later.

11. Web Designer

Much like graphic design, web design is a skill that’s needed by many businesses, and you can make good money if you’re able to deliver for your clients.

Web design has changed a lot over the past decade. Today, many web designers are using platforms that require little-to-no coding to create custom websites for clients. You could use pre-made WordPress themes or plugins that give you customization options without the need to code.

Of course, if you’re able to code a website, that’s great. But if you’re not able to code, that doesn’t mean that you can’t work as a web designer.

Take some time to get familiar with a particular WordPress theme or drag-and-drop builder plugin and you’ll be able to meet the needs of most small businesses.

12. App Developer

If you have some coding skills, becoming an app developer is an excellent option. You could either develop mobile apps for clients, or start your own app in attempt to grow it as your business.

Coding skills are highly valuable, and the demand is likely to remain strong for the foreseeable future.

13. Dog Walker

Like many other service-related businesses, becoming a dog walker allows you to start making money right away. You can either create a profile on Rover or find clients in your local area on your own.

In many ways, becoming a dog walker is an ideal opportunity for college students:

  • You can start making money quickly
  • Decent average hourly rate
  • Flexible schedule since appointments can be scheduled around your classes
  • Lots of potential clients
  • Doesn’t require any experience or specific skills

14. T-Shirt Designer

For those who are creative, starting a t-shirt business may be an ideal opportunity. You could use a platform like Merch by Amazon or Printify to sell your t-shirt designs with a print-on-demand business.

A Print-on-demand business allows you to get started without the need to purchase inventory. You’ll upload your designs and the shirts will be printed as they are ordered.

This is a business model that will require some time and patience to build. You might not start making money right away, but the income potential is there if you have a long-term approach.

A college campus with thousands of students can be an ideal place to start and grow your own t-shirt business. Get some friends to wear your shirts and start to build some brand recognition and you may find that sales start coming quickly.

15. E-Commerce

If you’re interested in starting and growing an online business, e-commerce is an excellent option. E-commerce has never been more popular than it is today with millions of people not wanting to risk getting sick by shopping in stores.

You can sell just about anything through your e-commerce store, and you can also take advantage of existing platforms that allow you to launch a business very quickly. Amazon’s FBA program is an excellent option because Amazon will handle all of the order fulfillment for you, which means you won’t need to pack boxes or run to the post office every day.

Aside from selling on Amazon, you could use a platform like Shopify to create your own e-commerce website without the need to hire a designer or developer.

You might assume that an e-commerce business would require you to store your own inventory, which would not be ideal if you’re living in a college dorm room. But there are many warehousing businesses that receive and store your inventory for a relative low cost.

16. Book Reseller

Every college student knows that textbooks can be very costly. The best way to reduce the amount that you spend on textbooks is to buy used books from other students.

Most students are eager to sell their old textbooks because once the class is over, they’ll probably never use the textbook again.

You could start a business buying and reselling textbooks. There are probably some bookstores on or near campus that already do this, but you’ll be able to offer better prices thanks to lower overhead costs.

This business does require some investment in order to buy the books, but it’s possible to get started for a minimal amount and then grow the business slowly by reinvesting all of the money that you’re making. Having some money to invest when you get started will allow you to grow faster.

17. Musician

College students who have musical abilities may choose to turn those skills into a money-making opportunity. You could make money by performing, by offering lessons, or even by creating music and selling it online.

Some of the other opportunities on this list are likely to offer better income potential, but this could be a good choice for someone who plans to pursue a career in music after college.

18. Personal Trainer

Are you in the gym every day taking care of your own body? If so, you could probably make some money by using your knowledge and experience to help others as a personal trainer.

19. Model

It’s possible to make some money by working as a model in your spare time. You could be working for a photographer who is taking stock photos to sell online, for photos that will be used in advertising, or any number of other things.

To get started, you could use a site like Model Mayhem or advertise your services on Craigslist. You can also build up your profile on Instagram or other platforms that can provide some exposure.

20. Flipping

If you’re looking for a business that you can start quickly with no particular skills or experience, flipping could be a good option. It involves going to yard sales, flea markets, auctions, or other places where you can buy things for very low prices, and then reselling them for a profit. You might sell on eBay or the Facebook Marketplace to get higher prices than what you’d be able to get at a yard sale.

This is a relatively easy business that anyone can learn. As you get more experience, you’ll have a better idea of the types of items that are likely to make a profit, as well as how much you should expect to make from an item. To get started, you can refer to this list of the easiest things to flip for profit.

This free workshop will show you how to get started in 14-days or less: Flea Market Flipper

21. House Cleaner

Another business that can be started with no particular skills or experience is cleaning houses. You can schedule clients around your other commitments, so it’s a very flexible opportunity that can be done part-time.

As is the case with other service-related businesses, you can start making money as soon as you land your first client. Finding a client is usually not that difficult. Talk to everyone in your network to let them know that you’re looking for clients, post an ad on Craigslist, put your contact info on bulletin boards in your local area, or use a website like Care.com to create a profile.

22. Child Care Provider

Child care or babysitting is an ideal part-time opportunity. You can find some regular clients that need help on a consistent basis and work to grow your business by word-of-mouth. It’s not the highest-paying opportunity covered in this article, but there is a lot of work available.

Build Your Own Business As A College Student To Earn Extra Income

If you’re a college student and you’re looking to make some money, consider starting a business from home rather than settling for a low-paying part-time job.

Starting a business may not be the right fit in every situation, but consider the options covered in this article and see if one of them might be the right fit for you.

College student business ideas

20+ Business Ideas For College Students

Source: biblemoneymatters.com

Making Money Mortgage Tips

Meet the Man Who Makes $600 a Month Selling Crickets

admin 0 Comment
June 23, 2017 &• 4 min read by Kat Tretina Comments 0 Comments

div#contentdisclaimer background: #fff;padding: 1.5em;line-height: 1.25em;max-width: 500px;
Advertiser Disclosure


When Jeff Neal’s wife told him she wanted to quit her job to stay at home with their kids, he had to think about how to make one income work. With over $21,000 in student loans, there wasn’t much extra money lying around. Losing another income stream would be difficult.

But rather than give up hope, Neal did something no one expected. He launched a side business that helped bring in extra money: selling crickets online.

Yes, you heard that right. Crickets.

Now, Neal makes $600 a month selling bugs online at The Critter Depot, which helps him pay off his debt. Read on to learn more about this odd side hustle and how Neal has turned it into a steady income stream.

Searching for a Side Hustle

Neal graduated from Temple University and got a job as a project manager. While he made a good salary, he had student loan debt and a growing family. When his wife decided she wanted to stay home with the kids, Neal knew he had to make changes.

“My wife wanted to stay home, so I had to take full responsibility as the sole provider,” he says.

Since his full-time job involves e-commerce, he focused his side-hustle search on online jobs. After doing extensive research, he decided to put all of his efforts on one specific niche.

The area that he identified was in the pet industry; reptile and exotic animal owners need live crickets to feed their pets, but getting them can be difficult — and expensive. So, Neal’s site caters to pet owners, selling crickets of various sizes in bulk.

But before you rush out and buy tanks and crickets to replicate Neal’s success, you should know his approach is even more interesting. He actually doesn’t deal with the crickets at all. Instead, his business is a drop shipping company.

What Is Drop Shipping?

Drop shipping is a business model where the store doesn’t stock any of the items it sells. Instead, when a customer purchases a product, the drop shipper works with a manufacturer — or in this case, a cricket supplier — to fulfill the order. The drop shipper never comes into contact with the product, so wrangling crickets isn’t part of Neal’s day.

“I don’t know anything about raising crickets,” he admits. “They have short life spans and unique nutritional and environmental needs. It’s a lot of work that takes a lot of knowledge. When I set up my business, I found someone who breeds crickets. He takes care of them and ships them; I just handle the orders.”

For customers, drop shipping is a seamless process, whether it’s through Amazon or a private site. Most of the time, you don’t know when you’re buying from a drop shipper. Once your order is placed, the drop shipper works with the supplier to place the order, and you receive the item like you normally would.

Drop shipping can be a mutually beneficial relationship between the seller and supplier. In Neal’s case, he has the marketing expertise and skills to build a successful website and business. That gets the cricket farmer more exposure and more orders than he would get on his own. Neal estimates that he generates about $3,000 in sales each month from The Critter Depot and his cut is $600.

Previously, Neal primarily sold crickets on Amazon. But meeting Amazon’s strict standards is hard when you’re shipping live insects. He ended up taking his sales to just his website, which requires more work for him each day to build traffic.

His new income stream allows him to take advantage of other opportunities, too. He recently purchased the site Jason Coupon King, which generates another $700 a month in revenue.

Balancing a Side Gig With Life & Work

While Neal’s side hustle is successful, he has to balance his work with his full-time job and his family. But that’s why he says drop shipping is a great option. It gives him the flexibility he needs while still allowing him to earn extra money.

“I don’t have a television, so when I come home from work, I just spend time playing with the kids and catching up with my wife,” says Neal. “Once they’re in bed, I work on optimizing my websites, contributing to forums and building links to my sites.”

Neal says he spends an hour or two a day after work on his side hustle and that his business is still growing. The extra income is substantial enough to help him pay off his student loans early and give his family more wiggle room in their monthly budget. (You can keep tabs on your own finances by viewing two of your credit scores for free on Credit.com.)

Making Extra Money

While selling crickets might not be for you, Neal’s story is just another example of the many ways you can make money on the side. If you’re struggling to make ends meet, or need more income to pay down debt or boost your emergency fund, launching a side hustle can be the right approach.

Photo courtesy of Jeff Neal 

Sign up now.

Source: credit.com