4 Tips to Improve Your Credit Score

It seems to be impossible to improve your credit store; once it goes down, it seems to just stay there. However, there are a few ways that you can add some numbers to your credit score if you know how to do it. It takes time and dedication, as well as some sacrifices, but seeing your credit score go up is definitely worth it. The first thing you need to do is go through your credit score and records to make sure it’s actually accurate. You’d be surprised at how often your credit score goes down because of companies reporting incorrect numbers about your finances. You have the right to see what affects your credit score and, if you find something is off, then contact the organization in order to get things fixed. It may take a while to do this, but it’s worth it. Next, you should make sure you’ve paid all your debts off. The more debts you have (and the longer they go unpaid), the lower your credit score will be. The best way to do this is through a debt snowball: pretty much, you pay off the biggest debt first, throwing all your extra money at it. Once that’s paid off, pay off the next biggest debt until everything is done! Along with paying off your debts, you also want to make sure to stay on top of other payments. If you have a history of missed payments (like insurance, mortgage, rent, etc.) and lots of late fees, then it’s going to lower your credit score. Start getting on top of your payments to make sure they’re paid off by the time they’re due. This will help you begin to build a good credit history, which makes you more financially reliable, increasing your credit score over time.   You’ll also want to consolidate and limit the credit cards you have and use. Every time you go to open a new line of credit, the inquiry is recorded. Lots of inquiries within a short amount of time can lower your credit score as well as reflect poorly on your financial situation. To the best of your ability, limit the amount of credit cards you have and how often you apply for new ones.
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How to Turn 1 Cent into 1 Million

I know; this sounds like a pipe dream, right? Well, it’s actually not. While you won’t see your penny turn into one million overnight, with the right investment plan and attitude, you can see your money grow! Here are some tips and suggestions that will help you cash in on that one cent investment.

The best way to turn one cent into one million is through a compound interest investment plan. Whenever I say the words “interest” or “invest,” I see most people’s eyes glaze over and they start to zone out. However, it doesn’t have to be that way! The first thing you need to do in order to make money is to get over your fear or hesitancy of investment plans. Once you can take a big breath and stare that investment plan in the face, you’re on the right track.


After you’ve gotten over your fear of investing, you need to find a good investment plan. There are tons of apps and websites out there, such as Betterment, Wealthfront, Capital One 360, and a variety more! The key is to find one that works with your timeline, with the money you can put into it, and your overall financial goals. Enlist the help of friends and family members who have a knack for this kind of stuff.

Once you’ve found your investment plan (and actually invested!), you need to be patient. Compound interest is not for the faint of heart or short in patience. If you try to withdraw your earnings from your investment after a year or two, your returns are going to be minimal. However, if you let it sit for ten, twenty, thirty, or more years, the returns will be huge and you’ll be able to retire nicely.

After you’ve changed your attitude towards investing, found an investment plan that works for you, and told yourself to just not touch it, the only thing left is to watch the money roll in! The growth will be small at first, but by the time you take it out in a few decades, you’ll love yourself for being so well prepared!

How I Make $100k+ Online While Working From Home

There are tons of ways to make money nowadays. You can have a traditional job (nothing wrong with that), work from home, and/or work purely online. If you don’t limit what kind of work you do (and where you do it), then you can grow your income to over $100k! Here are just a few ways to do that.

Some people don’t like this, but don’t be afraid to take on side jobs. Lots of jobs that I started on the side grew into full-time jobs that vastly increased my income. You can take on one side job (if it pays well or gives you a big workload), or you can take on numerous “lighter” side jobs. At first, this may just supplement your day job, but it can easily grow from there.

Online work is becoming more and more acceptable and preferred in today’s digital world. You can do anything from managing large accounts to tutoring online! The great thing about this kind of work is that it’s diverse and almost always allows you to fit it to your schedule so you don’t have to worry about cramming everything in at a certain time.

If you don’t like online work but still want to work from home, you can try starting your own out-of-home business. This could be anything from making and selling products to converting your downstairs into a spa and massage (I recommend you be a professional in either of these fields). Be creative and do something you love.

If you have online content and websites (or even a big backyard near a busy road), take on advertisers! They’ll love the space and views you’ll give them, and it’s a super easy way to make some passive income. You don’t have to do anything but reach out to advertisers to make this kind of money.

A subtype of online advertising that I think is important enough for its own page is affiliate advertising. This is when a company will pay you to write a review/talk about their product on your blog or websites. The bigger your following, the more you get paid for this (plus you can make commission for every viewer that buys the product). If you haven’t tried this already, reach out to some companies and make them an offer.

I mentioned this earlier, but passive income is one of my favorite ways to make money. Why? Because once the money flow is set up, you don’t have to do ANYTHING! This can come from things like advertisers, but it’s really common through books or something that gives you commission or royalty.

You can also try your hand at product reviews (again, if you have a lot of followers). This is different from affiliate advertising because you’re outright reviewing the product (affiliate advertising only requires that you mention the product in your posts). You get paid for doing the review and (often) for any commission from viewers who buy the product.

I think the most important thing to remember if you want to earn $100K or more is to learn new things and work hard! Technology is changing so quickly, so if you want to make money in the online game, then you need to embrace new strategies and devices. And, the harder you work, the more successful you’re going to be!

7 SERIOUS Ways to Add $500 to Your Income

You’d be surprised at how much an extra $500 a month can free up your budget and make you a LOT less stressed. Whether you’re just starting to look for a job or want a side job for some extra cash on the side, here are seven great ways to add to your income.

Join a network marketing company. I know a lot of people are hesitant about these, and rightly so, since lots of them are either scams or don’t offer a good deal. However, if you can get in the right company at the right time, then you can easily add $500 to your income. I would suggest talking to friends and family members that you trust to see if they’re in a company like this (you’d be surprised at how many people actually are) and then see if you can get in on the action.

If you want to work from home but still make some money, then become a virtual assistant. There are tons of sites that you can sign up for that allow you to schedule appointments, organize meetings, and do other remote online tasks for companies that are willing to pay a pretty decent salary. And you get to do it all from the comfort of your own home!

If being a virtual assistant isn’t for you, don’t worry, there’s still tons of other online jobs you can do! One great job is being a tutor (you could also do this in real life, too). You can register for sites like Chegg that pay you $20 an hour to tutor! If you don’t have any specific skills you’re comfortable tutoring in, you could teach people to speak English since you’re (probably) already a pro.

Of course, I need to mention blogging as a great way to make an extra $500 (check out this article for tips on how to start your own!). While you may not get that much right when you start, if you put in the right amount of time and dedication, then it’s not too hard to reach. By building a solid following and utilizing advertising space just right, you can easily make $500.

Try your hand at freelance writing or ghostwriting! Freelance is when people or companies hire you to write content for them. Ghostwriting is similar but, instead, you write in place of someone else; you in essence “sell” them your writing and then they post it as their own. You can actually get some pretty good income through doing this, especially if you’re a good writer.

Another great way to make money is by starting an online shop or start a small side business. If you’re good at crafting or are an expert at making a certain product, then you can start selling them locally and online to make some money. Websites like Etsy, Amazon, and eBay all allow you to create an online “storefront” for you to sell your products.

There’s always the classic way of making a bit of extra money by getting a part time job! You could work at a library, grocery store, waiting tables, whatever you want. You shouldn’t have to work too hard or too long in order to make an extra $500.

7 Serious Ways to Add $500 to Your Income