Financial issues are one of the main reasons for divorce these days, and one of the biggest causes of stress in our lives. Whether you have already tied the knot, or are planning to soon, there are some critical financial discussions that you need to have to try and prevent financial issues from becoming a bigger problem than they need to be. It is a good idea to continue these conversations and more throughout your marriage or relationship. Financial issues need to be a team effort, and the more you sweep them under the rug…the worse they get.
1. Where You are at Financially Right Now
Let your partner know what loans you have, what debts you still need to pay off, investments you may have, savings money (discuss what it’s for). You have to know where you are starting out to make a plan for the future.
2. Financial Goals
Discuss both short term and long term goals such as…goals for paying off debts (when and how much you will pay each month), how much you want to save from each paycheck, goals for buying a house, retirement plans, health care, education goals, plans for future jobs (especially when kids come in to the picture). It will make such a difference to discuss these things a head of time and get on the same page.
**If you are interested in making more money to help in your financial goals, here are some great side jobs to help bring in some extra cash:
3. Monthly Budget Plans
Is one of you a spender and one a saver? Do you like to eat out multiple times a week? Is buying expensive clothes, makeup, or home decor important to you? These are good questions to answer not only for yourself, but for your significant other. You need to be on the same page with where expenses are going, and how much. This will avoid trying to hide purchases, and creating tension. Go over each of your expenses from the past month and see where you spend most of your money. I am sure there are places that both of you can improve on to get to a better place budget wise. Planning a budget together is also the “how” of your short term, and long term financial goals. By creating a budget that you both agree on you will be planning your route to achieve those goals together!
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4. What Expenses Need to be Decided Together
Do you need to discuss an expense any time you swipe the card? Or just large expenses? This isn’t something we thing about discussing very often, but it is a good thing to be on the same page about. You don’t want to cause a fight each time you come home and one of you has bought something. So figure out what works best for each of you. Will you include a certain amount of “extra” money for each of you every month? Do you just trust the other person and not worry about expenses they are making? Do you make every purchase a combined decision? There isn’t a right or wrong way, but there will be a way that works best for you so figure out what that is!
5. Bank Accounts and Bills
Discuss whether or not you will have joint banking accounts, or separate. Also know who will be in charge of bills, you should both know what monthly bills and expenses are coming in each month, but knowing who pays what (or signing up for auto pay) will avoid missed payments and blaming one another for late fees.
6. Financial Weaknesses
Admitting our weaknesses is really a sign of strength. If you and your partner can openly discuss each of your weaknesses financially then it will be easier to help each other through those in the future and work through them as a team.
Years ago, I would hear that people were blogging for a “living” and I always wondered HOW are they making money? How does blogging give them a substantial enough income that they can live on it?
Blogging has changed my life. It has paid off our student loans, paid off cars, credit cards and we even bought a new camping trailer, yay! It has also sustained our family through a career transition for my husband. So, if you are like I once was, and are wondering how you can make money blogging, this is the right place for you. There are a lot of revenue streams, but I have outlined the most popular sources of income for bloggers.
If you are interested in starting a blog, you can find step by step instructions on how to start a blog for really cheap! You can start a money-making blog for as little as a few dollars a month through my special Bluehost link discount, so hurry and take advantage of this opportunity before it expires! In order to make money blogging, you want to have a self-hosted blog, which means buying a hosting package. You will even receive a free domain if you sign up for hosting with this new deal. In order to maximize the money you can make, you need to be self-hosted. So, if you are interested and want to start a blog, I can walk you through it.
- Ad networks like Google Adsense and others are a great place to start. They are easy to use, have great analytics and reporting and will be a perfect first step in making money blogging. To get started, apply for an account (that is after you have started your blog. You need to have a domain name and hosting, which you can get here for a very special discount for my readers.) Once you have been approved by Google Adsense, you create ad blocks. You choose the size, color, font, etc. and then you literally copy and paste the ad code into your website. There are plugins (I like ad inserter) that make it especially easy. You can choose where to place your ad block (in your post, on the sidebar, at the bottom, in the header, etc.) Take some time and look through different programs to find the one that fits you best. AdSense is common, but you may find one you like more. The way Adsense works, is that advertisers go to Google and sign up with Google Adwords. They then place the ad on your site, and when someone clicks on an ad, you get a portion of that click. It is called PPC (pay-per-click) advertising. Google gets a cut and you get a cut. And it is a win-win.
- If you want a bigger portion of the profit and are willing to put some extra leg work in, then you could consider direct advertising. There are a few ways to go about this, but you’ll need to have a pretty good base of followers and traffic before you start searching for direct advertisers. This version of advertising is a little bit more work, because you have to find the advertisers yourself, but you then get 100% of the agreed upon rate for your advertising. Some bloggers choose to have a set monthly rate for certain sizes of advertisements, while others track performance and charge based on clicks, customers, etc. Find companies that don’t directly compete with your brand, but are very complimentary to your blog niche and reader base.
- You could also work with affiliates on your site to get some extra money out of your blog. Affiliate programs are pretty simple and used by quite a few bloggers. Pretty much, you endorse or write articles about why you like a certain product in hopes that your readers will go out and buy that product. The more followers that use your link to buy the product, the more money you get from the company. While this is a good way to make money, there are a few guidelines I would suggest if you do this. First, don’t endorse all sorts of products just so you can make lots of money; endorse quality products you actually like and use. If you don’t, your viewers will know and you run the risk of losing your audience. Secondly, be open and honest that you’re an affiliate for a certain product. Make sure your reader knows that and don’t force the product down their throat—that will get obnoxious quickly and, again, your audience could diminish. If you like the product and really do want others to know about it, then you should feel excited and confident to begin the affiliate program!
- Some companies will actually pay you to just do a product review; you don’t even have to be part of an affiliate program. This is really similar to affiliate marketing, but instead of promoting and endorsing the product on your blog, you simply write a review about it. Tell your audience what you liked about it, what you didn’t like so much, and why you prefer that product over other similar brands. Again, make sure to be honest and straight-forward with your readers. You don’t want them investing in your word and then getting upset when the product isn’t as good as you said. Don’t sacrifice immediate cash for long-term followers and trust.
- Actually, you actually don’t even have to have your own blog to make money off blogging. Sound crazy? Well, it’s not. If you love writing, but all the other marketing aspects of a profitable blog don’t interest you, you can be a freelance writer. You can send your material to blogs you think would be interested in publishing your content. It may take a while to build up a reputation as a freelance writer, but once you have it then you can get a pretty solid income from it.
- Ghostwriting is a little different; instead of having your name posted to all the articles that you submit to blogs and get published, your name won’t be seen (hence the “ghost” part of ghost writing). Pretty much, you can be employed by a blogger to write content for them and they just assume it as their own. You can actually make this a part-time (or even full-time) job, especially if you work for numerous different bloggers. It can kind of be hard to get into this business at first (unless you personally know a professional blogger), but that doesn’t mean it isn’t worth it! If you’re a really good ghostwriter, you can make up to $50 per article you’re assigned, and some articles take less than an hour to write. That’s a good deal!
- If you’re a successful blogger, why not become a successful author too! You can actually repurpose your old blogs and sell them as books (or, more likely, e-books). Of course, you’ll need to reformat your blogs to fit into a professional looking book, but if you have content that people want quick and constant access to, you can make some good money off this. Some really successful bloggers have made over $70,000 in a week from e-book sales, so it obviously works. If you’re having problems selling your blog content, then you can made a related e-book to your blog and then advertise it on your blog! It’s similar content that your followers love and you have a platform that gives free advertising. The perfect combination!
- First off, I recommend you start a blog. Not only is it a super enjoyable (and even de-stressing) activity, it’s also a great way to make some extra cash. Lots of people think you have to be some young celebrity or genius advertiser in order to make money on a blog, but that’s simply not true. In fact, many bloggers make six-figure incomes working very few hours from home. It is a great way to do something you like, while you have a flexible schedule and work from home. It has allowed me to stay home with my kiddies and earn a six-figure income to help support our family. We have paid off student loans, car loans, bought a few fun toys (hello camping!) and allowed us to take the kids on some pretty fun vacations. When I started blogging, I had no idea that I would be able to pay off debt and completely provide for my family. If you are interested in working from home and starting a blog, visit my step by step tutorial. Two of the most common ways to make money from a blog are affiliate marketing and advertising.
- A quick jump over from blogging is ghost writing. You still provide written content, but you don’t have to worry about running the blog business and taking care of other aspects. You simply just have to write. And, if you’re really good at this, you can work for multiple companies on numerous projects while still keeping your day job.
- If you love doing photography, then there’s a whole load of side gigs you can do to make extra cash every month. If you don’t want to worry about dealing with people for portrait photography then you could do real estate photography. All you need to do is have a good camera and a good eye for quality pictures. With more than 90% of home buyers using the Internet to find future homes, realtors are in high need of photographers to make their properties look beautiful and professional online.
- If teaching has always been a passion of yours, then try tutoring to make some extra cash. You can even do online tutoring so that you don’t have to leave your house! Websites like Chegg will pay you up to $20 an hour to tutor their service users. A bit of processing is required in the beginning to make sure you’re a valid and trustworthy tutor, but once you get approved, you can be making money and learning every day.
- Closely tied to academic tutoring, is teaching English as a second language. And the best part is that you (probably) don’t have to even study to be qualified to teach English, you probably already know it! There are lots of ways to get involved in teaching English as a second language, from local opportunities to online ones, as well. The longer you do it and the better you are, the more money you can make. You could even get involved in private tutoring lessons!
- If you’ve always wanted to be a movie star but just never made it to Hollywood, then there’s still hope for you to accomplish that dream. Start a YouTube channel and, if you’re dedicated enough, you can quickly get up to earning $1,500 a month for ads and other promotional material. Not only is this extra money every month, but it’s also a great way to blow off steam, get creative, and have fun!
- Earn some extra income by using your talents! If you have art skills, find places to do face painting on the side! You’d be surprised at how many birthday parties, community events, and fairs are looking for face painters. You don’t have to be the next Picasso, you just need to be good at basic designs and patterns and not be afraid of painting people’s faces. Some really good face painters have even made up to an extra $12,000 a year in doing face painting.
- During the summer and warmer season, mowing lawns and doing lawn care is a great way to make some extra money on the side. Depending on the size of the lawn, you can make anywhere from (usually) $10 to $70 per lawn. The average lawn probably takes about 45 minutes to mow and pays $25 to $30 dollars. If you were to just mow ten lawns every week then you’d already be around $1,000. Add some hedge trimming and flower maintenance to your package and you’ll easily make $1,500 a month.
- An incredibly easy way to make some extra money on the side is renting out any extra space you have in your home or rent out your actually home when you’re on vacation somewhere! You make money by doing nothing. Programs and companies like airbnb give you access to a wide range of guests who may need a place to stay in your hometown. You just have to pass the host application and you can start making money right away!
- Much like Airbnb, companies like Uber and Lyft let you use your own assets to make money on a big scale. You can become a “homemade” taxi driver through some companies that schedule and coordinate all the rides you’ll give. These programs usually let you keep up to 80% of the price of the ride, so it’s a pretty hefty sum of money! This is especially great if you live in a big city where tourism is high.
- This idea may seem random, but parking lot cleanup is apparently a great way to make money on the side, and sometimes has made people more money than their day jobs. If you love being outdoors and don’t mind a little bit of hard work, this could be a great option for you. The best part is that it doesn’t require any specialized education, just a desire to make contacts and get to work.
- Do people tell you that you’re hilarious? If so, consider doing comedy as a job on the side to make some extra cash. From small weekend activities to huge corporate events, your comedy can bring a smile to people’s faces and some extra cash to your wallet. If you’re really good at it, you could make up to $20,000 per event and even get invited to travel to places like Australia and South Africa!
- Turn your musical interests into a source of income with a little bit of hard work and perseverance! It’s actually relatively easy to get a music gig at local restaurants and hangouts. You may have to charge low fees (or not at all), but if you’re good, then you can quickly start making a steady flow of cash. Your goal doesn’t have to be fame (although that would be nice), but with a decent music job you can easily make $1,500 of extra income.
- If you want a little risk in order to get that extra reward, consider peer lending. In essence, this is where you loan your own money out to people who are in need of funds to start projects or companies. The program is well vetted in making sure that lenders don’t get scammed and get paid. You might not make money right away, but the benefits can start rolling in if you’re patient, plus you might hit a goldmine, you never know.
- For those of you who love sports, then look at part time coaching positions around the community. Many of the community programs and even some schools open their positions to community members if they can’t get a teacher or volunteer. This would let you be outside and in fresh air while getting paid to hang out with young kids! I didn’t coach when I was younger, but I did work sidelines at football games. I just had to stand in the sun and walk a little bit for some extra, easy-made cash.
Here are some other articles about making money from home that may be interesting for you:
- If you want to work as a freelancer then you need to make sure your writing skills are sharp and professional. If you’re not already a good writer, then take some steps to become one. There are online classes, community courses, or even reading and journaling everyday can help hone your skills. You don’t need to sit down and read the dictionary or anything, but making sure you’re constantly exposing yourself to writing opportunities will help out. Practice writing, get feedback from friends and families, and then rewrite. It may not be the most exciting thing, but it will expand your skills and knowledge.
- You may need to start writing for free before you get paid for your work. This isn’t always the case, but it can really help you get your foot in the door at many agencies. You can even get a free guest writer position on some popular blogs to help get your name out there. Even though it doesn’t pay, these kind of gigs will pay in name recognition and invaluable experience. Be aggressive and send your work out to whatever websites you think fit your style. Without charging a fee or expecting payment, many companies are more willing to look at your work and even publish it.
- Another option, in addition to writing for free, is finding sites that have guest writers. Some of these positions are paid (although most aren’t,) but either way, they’re great for experience. If you can become an endorsed guest writer for a website or blog, not only will you get consistent writing opportunities, but you’ll also get name exposure as well. Just like on a resume, being a guest writer shows future contractors and company owners that you’re serious about your writing and that you’re good enough to be hired. Lots of writers actually got their start into a money-making freelancing career by being guest writers on prominent websites first. It may not be the most glamorous job or experience, but it’s a great start.
- If (and when!) you do start building a name for yourself and making money from your freelance work, then you’ll want to make sure you have sufficiently honed your self-discipline and money management skills. If you’re only getting a few jobs every now and then, this isn’t so much of a deal. But the more work you have, the more companies contract you, and the other invariable responsibilities that come with growing a home business can really weigh you down if you don’t have a good system in place. Self-discipline is necessary so that you aren’t saving all your assignments for the night before they’re due (reminds me of school). If this is your style, then your contractors will quickly realize that and most likely drop you as a freelance writer. Similarly, you need to have a way of keeping track of your finances and managing your money. Not only will this help when tax season rolls around, but it will also give you more power to negotiate for higher payment for your writing.
- Another aspect of freelance writing that is so important is networking and making connections. You need to be comfortable getting your feelers out and find potential business assets that can help your writing career flourish. If there are people in your community that run successful blogs, reach out to them. Friend, follow, and like potential businesses that you would like to write for in the future. Get to know a company’s writing style, typical topics, and target market. Once you’ve done your research, contact those who are in charge of the writers and be firm but polite in getting your writing published by them.
- If you don’t want to network and connect with other people in order to get your writing out there, then consider creating your own blog! It will be hard work but, if you remain dedicated, then it can be a really great payoff. Not only will you make money from people reading your work, but you can also get money from ads and other marketing strategies. Choose a blog topic that is broad enough to have things to talk about every week, but still specific enough to actually attract a certain type of audience. And if you start your own blog, make sure it looks professional and remains up-to-date. You can use your blog as evidence to possible contractors to show them the quality of your work, too.
If you are interested in making money from home, see more ideas here:
- First and foremost, you could start a blog. I have managed to pay off 20k in student loans, quit a miserable job and make a six-figure income while working from home. Blogging has literally changed my life! I am now staying home with my babies and working on the side. Blogging has brought in as much as $74,000 a month through advertisements and affiliate networks. There is a lot of money to make from home with a blog. Find out how you can start a blog and make money from home blogging.
- You can also become a driver for companies like Uber and Lyft. Not only do you get to pick your own hours for this, but you also don’t have to pay any fees, you just have to meet the requirements for your car. If you live in a big city or near a tourist attraction, then this is a great way to make some extra money.
- For those of you with lots of connections or a website with a strong fanbase, then try selling products. They can be homemade products or other company’s products that you support and use. If you use things like Beachbody, 21-day fix, Truvision, or Essential Oils at home, then endorse and sell their product.
- This may not be earning money, but it’s a way to save money (which is pretty much making money, right?). Use Ibotta to get rebates back on your grocery trips. You simply just take a picture of your receipt, upload it, and then you’ll get money back! Ebates allows you to also access rebates online, so there are lots of options!
- If you like writing, you can also try becoming a freelance writer! This is pretty common nowadays, especially online. You can do freelance writing in print, but blogs and websites are more common. There are websites like Freelancer, Upwork (which acquired Odesk), and Guru that give you access to lots of freelance writing jobs. Or, if you really want, you can start your own blog! That way you’re your own boss and get all the money!
- With the focus on social media lately, you can use your Twitter account to make some extra money. All you need is to have sponsored tweets. You can get in contact with companies or find an online program that acts as an intermediary between you and other businesses. Depending on how many followers you have, this can be quite lucrative.
- Anyone who has experience with finances can make some extra cash by keeping books for small, local businesses. This is a lot easier nowadays with Quickbooks. If you aren’t already familiar with the program but know your way around finances, then definitely get to know it so you can start making some money. Plus, you’ll be helping local businesses out, which is definitely a plus.
- If you like making crafts and want to make some more money from them, consider selling your work on Etsy. You don’t have to pay any monthly fees, although there is a transaction fee and standard commission fee. However, I definitely think that’s worth the price, especially since you get access to all of the Etsy users.
- Here’s an idea I hadn’t heard of, but it really seems like a good one. Virtual Assistant is a professional website that screens all sorts of jobs that you can take up and do for companies all around the world. There is a subscription fee, however, so make sure it’s something you’ll actually use and make money from.
- There are lots of apps out there that you can download onto your phone or computer that let you earn money just for using your device. Most of them give you $5 or so for signing up and then you earn rewards that add up to points every week. Some of these apps are Placed Panel and Media Insiders Panel.
- Some companies out there, when they have a new product or an update to a product, will recruit testers to give them feedback on their product. You can sign up for this position and help them out! Depending on the program, a lot of the time you get the product for free or at a discounted price as well as make some money on the side.
- This is an interesting job, but hey, if you like knitting then definitely give it a try! Not only do you get the knitting patterns for free, but you also get store credit. You don’t get paid for this job in actual cash, but if you’re already spending money on knitting supplies then it’s a good deal.
- If any of you out there like teaching, then you can try online teaching. It can be anything from music skills to car knowledge. Through sites like Udemy, you can easily monetize the skills and knowledge that you have while sharing them with the world!
- If you want to teach but are more focused on academic skills, there’s still a way to do that! Sites like Chegg give you access to all their users and you don’t have to pay a monthly fee or anything like that. You get paid $20 an hour, which is a great rate, but you do have to pass their application process so they know you’re qualified.
- There are some awesome apps and programs out there, and I recently found a few that not only help you earn money but also motivate you to lose Weight. Apps like HealthyWage and DietBet are exactly what they sound like: systems you use to place bets or wagers on the amount of weight you plan/hope to lose. If you do, you get money. If not, you lose the money. Now that sounds like a good way to get motivated!
- Another way to make some extra money is to become a ghostwriter. Unlike freelancing writing, being a ghostwriter doesn’t get your name out there, at least not publicly. Pretty much, you write for a person or a company and then they use your work as their own. No attention, but you still get paid.
- Have you ever used a search engine and then been so confused at how wrong its guess was or how off the results were? Well, big companies like Yahoo and Google will pay people to go into their search engine results and fix things up. This helps give more accurate results and, if you get good at it, you can make up to $700 a month doing it.
- Just because you don’t live in Hollywood doesn’t mean you can’t become a star! Lots of people start YouTube channels and become pretty popular. If you can do this and monetize the site, then you can make quite a bit of money from ads, products, etc.
- I’m not really sure why this is a thing, but hey, if you can make money by selling your junk mail, then why not? It just goes in the garbage anyway, right? A company called SBK Center conducts market research and takes people’s junk mail in exchange for money and gift cards.
- For those of you out there who love taking pictures, then why not try making money off it? Stock footage is pictures that are free for use without copyright problems, but usually people pay a subscription to stock photo websites. If your pictures are good enough, then you can do this to get some extra cash coming your way.
- Another option if you’re a photography fan is selling your smartphone photos. Did you know that’s a thing!? There’s a website called Foap where you can upload your picture and the site sells it for $10. When it’s bought, you get $5 from it.
- Okay, maybe you’re getting sick of these photography ideas, but here’s another great one! Try picking up real estate photography! 90% of homebuyers look online at houses before they commit, so it’s vital for realtors to have professional and attractive pictures of their property. Get into this business, and you’ll have extra cash coming in all the time.
- Here’s a pretty obvious way to make money, but try selling your things on Amazon or other similar sites. Some sites let you sell your old and gently used items, although not all of them. So after you pick what products you want to sell, then choose the vendor that best suits your needs.
- If you have a closet full of old clothes that you never wear, why not just sell them? You can actually even rent out your clothes to other people, did you know that? It’s a pretty good deal!
- For those of you who love reading or are students, then selling books can probably become a pretty great way to make some extra money. Not only does this allow you to dejunk, but you get paid to dejunk!
- Teaching is a great pastime, but sometimes we feel like we aren’t qualified. However, if you speak English, then you can teach that! You can usually find English teaching jobs both online and locally. Sometimes you have to start off as a volunteer, but you can usually get a paid job pretty quickly.
- I know this sounds weird, but there are actually places that will buy your trash from you. Anything from wine bottles to old magazines can get you some extra money. They do this because they want to know more about consumer habits. Good luck!
- Anyone with phone and technology experience can become an Apple iPhone Technician. The best part about this job is that you can work from home, helping people out from your couch! Now that sounds like a pretty good deal to me.
- Nowadays, there are tons of ways to make money with the things you already have. For example, you can get involved in Airbnb and use your own home as a money-making tool. Whether it’s a spare bedroom or your whole home when you’re out on vacation, this is a pretty nice way to get some extra cash!
- One of my favorite sites is Fiverr. It lets you sell your skills to other Internet users. There are a wide variety of skills that are offered, and you can also post skills that you need, but it’s still a pretty useful site.
- Become an Amazon Mechanical Turk and get paid to help solve people’s problems. If you have access to a computer and some basic technology skills, then you can become an Amazon Turk. The key to this is just picking the tasks you can do and not worry so much about the ones that you’ll enjoy.
- Believe it or not, you can actually get money for watching TV. Well, not watching TV directly, but RewardsTV will pay you to answer trivia questions about the most recent TV shows. This won’t flood your bank account, but you can make about 15 to 20 extra dollars a month.
- Another great way to make money from your writing is by making an e-book. There are lots of people out there that go through self-publishing venues and online publishers in order to get their books out to the world.
- This job can be pretty repetitive, but it can pay pretty well if you get good at it. Being a transcriptionist can pay up to $25 an hour. Not too shabby. If you don’t mind doing the same kind of work over and over again, then this is a great option.
- Another way you can use your creativity to make some money is by helping companies name themselves. Sites like SquadHelp give you the change to help businesses come up with names and names for their products. You can win up to $200 per contest and there’s (usually) no limit to the number of contests you enter.
- Somewhat along those same lines is coming up with company slogans. Taglines, advertising slogans, and jingles are just some of the options. If you really enjoy writing and have a creative mind, then you can even do greeting cards!
- If you love spending time on the Internet then become a website consultant! Businesses will pay people to give them feedback on their websites and fix them up (if possible). It doesn’t require a lot of time and you can usually do it whenever you’re free.
- If you find yourself with lots of little pockets of free time then try signing up for online polling sites like Ipsos Online. You can do this while you’re watching TV, so it’s not even that much work or effort.
- Along with writing online content, if you’re talented with words, you can pick up a few freelance editing jobs. This is especially great if you love poring over documents and articles to make sure they look good.
- There are lots of “get paid to” sites where you can sign up and do random tasks for people. On these GPT Sites, it’s usually administrative or data analysis, but you can still make good money.
- You can switch to a new search engine that gives you points for every time you use it. Can you believe it!? You can surf the web and make money. Sites like Swagbucks and Bing are a good place to start.
- If writing, consulting, editing, or any of these other ideas aren’t your cup of tea, don’t worry, there’s still lots of things you can do for some extra cash! For example, you can actually watch videos online through InboxDollars.
- Here’s one of those weird ways to make money, but hey, it still works. The Nielsen Consumer Panel wants to know what’s in your fridge, and they’ll pay you to let you know. Once you sign up, they send you a scanner and you just scan all the food in your fridge.
- Lots of pizza places, like Papa John’s and Pizza Hut, will hire you to be a “mystery shopper” for them. Part of the requirements are that you time the delivery, rate the customer service, rate the quality of pizza, etc. You can actually get free food for this and even make some money.
- Companies and businesses will pay you to use their website and test it for flaws or glitches. You’ll just browse around the website and make sure all the buttons work, the links are connected, it’s not too confusing, etc.
- If you love music, art, comedy, or something else then maybe you can get a side job out of it! Get your feelers out there and see if you can perform at restaurants and local venues. You may have to perform free at first, but you can definitely work your way up to some sweet paying gigs.
- Depending on where you live, yard work may be a very viable and profitable business. For places where warm weather lets the lawns grow for a long portion of the year, if you picked up even 10 lawns a week, you could earn $250 dollars a week or more than $1000 a month.
- Everybody likes a good party, so why not make a side job out of working them? If you can learn a skill like face painting or making balloon animals, then you could make up to $13,000 a year. That’s a pretty big check!
- Okay, I know this is a little weird, but if you love animals then you should become a pet masseuse! Yeah, that’s a real thing. If you don’t want to massage the animals, then sign up to be an animal sitter. You get to spend time with your furry friends without having to keep them long term.
- If you have any websites or online profiles then make sure those babies are monetized! You can get ads, endorse products, or even become an affiliate marketer. If you have a blog then use that, if you have a YouTube account then enable ads. You’d be surprised at how much more money you can make from your websites if you do some of these things!
If you are interested in making money from home, here are a few great articles about how you can do that and pay the bills!
- Location is key, and should be the first thing considered. A really nice home or apartment in a greatly located area, with a close proximity to necessary amenities (schools, gas station, grocery stores). For most people, location is areal concerns when buying into the rental business; they can make or break your investment or drive you absolutely crazy! The safest bet is to get an affordable property in a nice (but not too fancy) part of town that you’re okay with visiting when need be. Anything else and you might find yourself losing money or dreading dealing with it.
- Once you have a location picked out that you think is profitable and tolerable, it’s time to secure the tenants. Now, in reality, this can go one of two ways, and you don’t have a whole lot of say in it. There are some steps you can take to make sure you get good tenants, but you’ll need to put in a little bit of extra legwork. If you have bad tenants, then you’re going to find yourself more frustrated than not and having to fix a lot of broken and run down things. All the extra stress of doing repairs, figuring out late rent, dealing with complaints, etc. may not be worth the money you’re getting out of the property. Having credit checks, and an interview process can help to ensure both the tenant and landlord have a nice experience.
- One of the perks of having rental property is the return on investments. It is virtually impossible to make the amount of money in any other industry, can you make as much money so quickly as you can with rental properties. Every month, you’ll be getting hundreds, if not thousands, of dollars from your tenants, depending on the size and number of your rental properties. Those payments largely go into your pocket, although some comes out for insurance, repairs, etc. One great option for renting is if you bought a house and there is a basement apartment. The money you make from rent each month should pay off your monthly mortgage, leaving you with zero debts to pay back. This is especially great if you live in a college town where students are always looking for housing. It may be a hassle at times, but if you’re willing to work through it, then it’s a good system.
- Unlike a car or a piece of technology, real estate actually goes up in value over time. Many people get into the rental business purely because of the appreciation. You can buy a house for one price and then, if you decide to sell it later, you’re probably going to make money off it just because time has passed. However, this isn’t as easy as writing a check or depositing one. Buying, renting, and selling property can be a very laborious and stressful journey. You also need to make sure to take good care of the property. If you buy a nice place but let it fall apart, then you’re going to lose drastic amounts of money if you try to sell it as is. The appreciation on rental property can be great (especially if you made lots of money while renting it, too), but it isn’t something you just buy and completely forget about.
- While this might be a more technical aspect of owning rental property, one of the benefits is the tax shelter it offers. You can often write large expenses off if they’re related to owning and maintaining the property. Rental properties (like all real estate) also build equity while you own them, and you don’t have to pay taxes on that equity! Also, because it’s a tangible investment, the interest rate on loans taken out to pay for real estate are often quite low. That means you’ll be getting the same amount of money but not having to pay as much back on it compared to a student loan or something similar. When it comes to taxes and interest, a rental property is a good way to go.
- If you want to get into the rental game, then you need to be (or become) patient.When you get into renting, you have to put a lot of money into the property at first and, only farther down the road, will you really see the benefits. When you first start, you may not be making much money at all, what with the mortgage, repairs, contracting, and advertising you have to do. However, after ten years or so, the property will be completely paid off and you’ll have a big fat check coming your way every month that can really bulk up your budget. In fact, this is a great way for most retirees to make some extra money to travel!
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It’s pretty well known that no one ever turns down a chance to save a few bucks. . Luckily for all of the money saving lovers, the surge of internet and mobile technologies has made it extremely easy to access rebates, coupons, and killer deals! Not everyone knows this, but there are actually tons of apps and online programs out there that will help you save tons of money on your everyday purchases. Here’s a list of seven of some of the best shopping rebate programs you can get involved with!
- One of the most famous and popular rebate programs has got to be Ibotta. It’s so widely-used because it’s straight-forward and pretty user-friendly. Instead of having to scour the Internet and advertisements for rebates on your products, this one severely cuts the process down! Pretty much, you download the app, take a picture of your receipt, confirm your purchases, and then get money back! The app gives you access to all sorts of rebates that are available without you having to go out and find each one individually. Once you’ve reached the $10 minimum, you can get the amount on a gift card or deposited into a participating account. Simple and so easy to use! There’s also a group feature on this app, so you can save money with friends and family!
- Another pretty popular rebate program is Ebates. While this is only limited to online purchases, it’s still a very preferred program because of the vast amount of rebates it offers. Ebates is affiliated with 1,700 online stores, so you’ll definitely find a few that offers products you already buy. Not only that, but it claims to have given out $325 million dollars back to all of its users since it began in 1998; that’s pretty impressive! Signing up is really easy—just create an account, go shopping, and then the rebates are applied to your account. Every site is different, so make sure you do a little looking around to secure the best deal. Because it’s so easy and pain free, there’s really no reason to get some cash back from all your online shopping.
- Checkout51 is a recent program that has actually been gaining quite a bit of traction lately. A really handy feature of this app is that it doesn’t base it’s rebates off the store but off the product. That way, even if you live in the middle of nowhere and don’t have any big brand stores, you can still get money back from the included products in Checkout51’s database. Another nice feature of this app is that it’s updated on a weekly basis. So if there’s something that you want to buy this week but doesn’t have a rebate, it could very well be on there the next week!
- You’ve all probably heard of (and used) Groupon, but did you know they have a rebate program too? It’s called Snap by Groupon, and if it’s anything like its parent company, then I’m sure it has great deals and money saving opportunities. This works much like the other rebate apps we’ve talked about so far, but I’m sure it’s got a database with a few different offers than the others. Something nice about Snap is that it has highlighted weekly offers, so right away you can know what products will give you the most money back. This app is said to have higher payouts than most other apps and also has multiple to unlimited redemptions on certain products.
- This next app has the most honest name I’ve seen so far: Rather Be Shopping. Isn’t that great! The awesome thing about this app is that it combines online coupons with in-store coupons so, no matter how you like to shop, there’s something on this app for you! The creator of this add suggests doing research before you go out and shop and use this app. First, decide where you want to go shopping and then find coupons that that store is offering. Make sure they’re downloaded or up on the phone so that, when you do go to check out, you don’t have to be fumbling around on your phone, but they’ll be right there.
- Saving Star is a unique take to the whole rebate game and offers a few perks that the other apps don’t (at least not yet). The most unique thing about the Saving Star app is that you can link it to your store loyalty cards. This makes using the app and keeping track of your money back and rebates way easier than other programs! If you are doing online shopping with this, then you have to make the purchases through the Saving Stars website and the appropriate rebate will be applied. The amount of cashback ranges from 1.5% to up to 5%, depending on the retailer and the product.
- Shopium is another rebate program that is a little different than the rest of them. It follows the same overall process (buy items, scan receipt, get money back, repeat), but it’s offers are solely exclusive to the users. That means it has rebates and offers that other programs and apps don’t have, which is always a plus! Shopium is a great complement to the other apps and can be used together to make your savings even bigger!
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- First off, you need to make sure your credit score accurately represents your use of credit. Believe it or not, it’s very possible for your credit score to have some negative data that simply isn’t true. Now, this isn’t because someone’s out to get you, but credit record keepers are humans. Yes, they sometimes make mistakes in the data that’s inputted into your credit score. So, if your score is lower than what you’d like, go through and check all the records. A recent study actually showed that one in five credit reports have material errors in them. That means it’s very possible that your bad credit isn’t your fault but simply a recording error!
- It’s really easy to approach your credit score and get lost in all the legal jargon and details that seems to surround it. However, there are a few laws that are important to understand when it comes to improving your credit score. You don’t need to be an attorney to understand these laws, either; they’re pretty straightforward. The Fair Credit Reporting Act requires that the credit bureaus to provide a free credit report to you each year if you ask for it. You shouldn’t have to pay any fees or charges just to know what your credit score is. The Fair Credit Billing Act means that—if any company or vendor charges you for something you didn’t buy, the incorrect amount, or some other unfair bill—you can both contest those charges and demand that they take charge in getting it cleared off your credit score.
- In order for negative information to be applied to your credit score, the company that reported it must have evidence to back that data. So, if you think the company incorrectly charged you or is lowering your credit score without sufficient evidence, then you can fight it. They have the burden of evidence and, if it can’t be produced, then you have the legal right to demand they remove the negative information. This can be especially effective if there was something in the distant past that is lowering your credit score. Because companies go out of business, merge, lose data, etc. over time, it will be harder for them to provide evidence of your bad credit. So, if you feel like some dark splotch has been on your credit report for too long, then go ahead and challenge it. The company is legally obligated to show evidence, which may not even exist!
- Another aspect of negative information on your credit score is that is has to be complete. These simply means that it has to accurately represent the whole situation, not just the bad part. For example, if you were billed something twice, but already paid it once, and the company reports the missed second payment as a negative, then that’s simply not fair. While just seeing that you missed a payment may look back, when the full picture is taken into account it’s obvious that it’s not your fault. There are actually lots of situations like this that get put onto credit reports and unfairly lower your credit score.
- You should also be aware that, for most negative data on your credit score, it can only be on your report for seven years. However, credit bureaus are notorious for not removing those spots from your score when they should be. So, go through your credit score and make sure it’s up to date. However, remember that bankruptcies stay on for 10 years and any unpaid judgments last 7 years or until the statute of limitations expires—whichever comes last.
- If you’ve looked over your credit report and think that there is information that is either inaccurate or should be removed, then make sure you have the sufficient documents to prove it. While the burden of evidence is heavier on the vendor or company to prove that the data is correct, you still need to have at least a small paper trail to speed up the process. Bills, credit reports, bank statements, etc. can all help you prove you point and get your credit score back up. Send the information to both the creditor that’s reported your bad credit and the credit bureau. Hopefully it will stick with at least one of them. Many credit experts suggest that you do this whole process via snail mail because it guarantees your right to see the vendor’s evidence that backs up the negative data. If you contest the information over the phone or on the Internet, then you may lose some of those rights.
- While all of this advice is great for improving your credit score after it’s been dealt a bad blow, I always like to say that it’s better to be prevent something bad from happening than having to fix it later. So, instead of letting your credit score fall low, stay on top of it so it never gets low! You can do this by periodically ordering your credit score and analyzing it, or enrolling in a free monitoring service that gives you monthly updates. Program like Credit Karma not only give you access to your credit score, but they also update you when changes occur to your score or other important things happen.