Month: December 2019

  • 24 Effortless Ways to Retire In Your 30s

    24 Effortless Ways to Retire In Your 30sThinking about retiring in your 30s? You are not alone. More and more millennials are seeking to take their life back into their own hands. No more working for 50 years then retiring only to find yourself too tired or unable to do all the things you wanted to do, like backpack through Europe, hike across Vietnam, etc. These are things you want to do when you’re young, you have energy and arguably the best time of your life to have an experience like this.

    So, how can you retire in your 30s? Is it actually a thing?

    Yes!

    It totally is a thing and this post will show you 24 effortless ways to do it!

    You’ll want to have a F.I.R.E. (financial independence retire early) kind of mindset and be open to making some sacrifice to achieving the end goal, retiring in your 30s. Bookmark this post so you can come back to it later. You won’t want to forget these tips!

    24 Effortless Ways to Retire In Your 30s

    1. Save 50% (or more) of your income

    2. Take on a second job (or side hustle)

    3. Cut back on travel

    4. Cook at home

    5. Avoid eating out

    6. Track your spending

    7. Budget

    8. Live in a minimalist kind of way

    9. Embrace more no-spend weekends

    10. Forget about owning a fancy house or fancy car

    11. Be mindful of money

    12. Cut that Starbucks habit

    13. Abandon pricey subscriptions or membership (like a gym membership)

    14. Lower your housing cost (by getting a roommate, moving back home, etc.)

    15. Invest aggressively

    16. Save aggressively

    17. Check in on your goals often

    18. Make money to save money

    19. Try more DIY (like DIY gifts, DIY home decor, etc.)

    20. Stop buying new (instead, buy used)

    21. Try meal prep

    22. Fix home repairs yourself

    23. Stop outsourcing your life (fire the landscaping guy, the pest control buy, the pool guy, etc.)

    24. Be grateful, take one day at a time

    Final Word

    Whew! There you go.

    In the end, you want to keep in mind you want to save as much as possible consistently and use some of that savings to invest. Because you can really accelerate your money growth by investing.

    What do you think?

    Share your thoughts below!

    24 Effortless Ways to Retire In Your 30s

    24 Effortless Ways to Retire In Your 30s

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  • How to Make $1,000 in 5 Hours Pretending to Run a Small Business

    How this guy pretended to own a valet company and made $1,000+Making $1,000+ in 5 hours pretending to run a small business..did that headline catch your attention? It’s arbitrage and something that millennials are doing successfully year after year.

    Here’s the story of how one guy did it, making $2,000 in 5 hours without working.

    How to Make $1,000 in 5 Hours Pretending to Run a Small Business

    One day this guy was bored at work so he was browsing Craigslist for gigs he could work. He came across this gig where a family needed a valet company. He reached out, met with the family and found out they were looking for a valet company for a party they were running. They lived in a wealthy neighborhood at the top of the hill and parking was a big concern.

    After he spoke with them about details like, where he could park the cars, how many guests they were expecting, etc., he told them he’d chat with his staff and get back to them with more info.

    He then, sought out several valet companies, ultimately finding a reputable one to work with, who quoted him $1,000 for that job. He quoted the family $3,000 and THEY ACCEPTED!

    He told the valet company he was a party planner.

    He told the client he was the valet.

    The goal was to execute the night flawlessly without the actual valet company talking to the client. So, he was a middleman, connecting the two parties, accepting a fee for his work.

    During the night, it went smoothly and the client was so happy they even fixed him a plate of food from their event.

    And, that’s how it went!

    Pretty genius, right?

    What a great example of arbitrage. This story was taken from this reddit.

    Head there if you’d like and make sure to support that thread.

    Would you do something like this? Have you?

    Share down below!

    Read more

  • 5 Things This Millennial Did to Pay Off Her Car in 6 Months

    Wondering how you can pay off your car loan early? Check out how this millennial did it in under half a year! | 5 Things This Millennial Did to Pay Off Her Car in 6 MonthsIf you’re thinking about paying off your car early, you aren’t the only one.

    And, it’s a great idea! A car payment is one of the biggest monthly expenses you’ll have.

    It’s a great idea to work toward paying it off early so you can free up that income to save it, invest it, put toward another expense or purchase, etc.

    So, how can you pay off your car early? How did this millennial pay off her car in 6 months?

    Keep reading to find out!

    How to Pay Off Your Car in 6 Months

    This millennial owned a 4-year old SUV and had a car loan.

    She was determined to pay it off and put together a plan to achieve that goal, which she did in under 3 months, eek!

    Now, can YOU do this?

    Yes!

    You definitely can, but if it takes you longer, that’s totally cool too. Create a plan that fits your lifestyle best. Would it be worth it to live off ramen noodles for a year just to pay off your car early? For some yes, for some no. So, keep yourself in mind, don’t push yourself too hard and above all, keep your eye on the prize. Check out these 5 things this millennial did to pay off her car in 6 months…

    1. She Made a Plan

    This might sound so gimmicky but you gotta start with a plan. This is so simple. You don’t need to type it out or create a fancy report, though you could if you wanted. Just put your ideas on paper, in your planner, cell phone, on a piece of printer paper, etc.

    Write down…

    • Your goal
    • Your plan
    • How you’ll execute
    • How you will hold yourself accountable and track your results

    For me it was about checking in every month to see how much closer I was to my goal. I did this by checking my balance online and reviewing my budget to make sure I wasn’t financially or emotionally suffering in other areas of my life, to reach this goal. And, I wasn’t so I kept trucking forward.

    2. She Made Extra Money

    This is not a must but it definitely helps. Take up a side hustle. Use that extra money toward making a larger car payment to pay off your car loan faster. Here are some ideas:

    • Make $200/month taking online surveys (this one is a favorite)
    • Try Online Panels which pay $40 to $400+ each all online
    • Start an e-commerce store to make an extra $500/month with Shopify (I’ve done this over and over again with ease)
    • Make $250/month helping out neighbors (doing things like dog walking, babysitting, landscaping, washing cars, etc.)
    • Take up an online job (like copywriting, editing, graphic design, etc.)

    There are a ton of ideas. Check out these 8 online jobs for college students. Psst…they’re great even if you’re not in college!

    3. She Saved Like a Crazy Person

    Up your savings game to put that money toward your car loan debt.

    Ideas:

    • Try grocery pickup (this one WORKS!)
    • Carpool
    • Use one car instead of two for your family
    • Move to a cheaper area
    • Set a family budget
    • Cut out Starbucks and fast food
    • Try gas-saving apps like Gas Buddy
    • Use coupon/deal sites like Rakuten which gives you deals (for free) on your online shopping

    4. She Made Lifestyle Changes

    Here are some examples:

    • Cutting out fast food
    • Eliminating pricey memberships (like gym, subscription boxes, etc.)
    • Cutting back on expensive entertainment
    • No vacation this year
    • Lowering grocery bill by using cash-saving grocery apps (like Ibotta)

    5. She Reduced Expenses

    Like #4, reducing expenses is a big part of lifestyle change. Try using cashback sites to get a little money back off your purchases.

    You can also do things like reduce your spending, join a personal finance app like Mint to track how you spend money, cook at home, and other habits to lower your everyday expenses.

    Recommended Reading

    Recommended Resources to Increase Your Income and Save Money

    Credit Firm

    Credit is something that you definitely need in life.
    It affords most people the ability to buy house and buy a car as well as finance other large expenses and sometimes even unexpected costs that can arise.
    Even if you have no plans to make a large purchase in the near future it’s still a great idea to make sure your credit is in check. There are so many little things that can impact your credit and often times you may be unaware Of these things impacting your credit score.
    A high credit score of forts you a low interest-rate and a low payment where as a low credit score can mean the exact opposite and sometimes not even qualifying for that purchase you’re looking to make.
    So with a choice of paying more or paying less, of course you want to pay less in to do that you want to make sure that you have the best credit score possible.
    So take a look at Credit firm, which is a company that can help you review and improve your credit. It’s really great to have experts on your side and to take away the overwhelm and stress of trying to manage your credit on your own.

    Respondent

    If you’re in a pickle and looking to make a few hundred dollars extra this month, look at online panels. I’ve done multiple panels, earning $100+ for each one. They are free to join and pay anywhere from $40 to $400+.
    The most I’ve earned has been $400 on a single panel. It’s like taking a survey but you’ll be doing it interview-style, talking to the researcher on the phone, via email or online.

    Rakuten

    Did you know that you can save money on your online shopping? It’s like getting paid to shop. All you do is install the free cashback browser extension from Rakuten and you’ll get a popup when you land on a partner retail website. Click “Activate” to activate your cashback and after checkout, it will be applied to your Rakuten account. I earned around $28 very quickly after joining.
    It’s not part-time income kind of money but it is extra money that you can get absolutely free, for doing what you’re doing anyway, online shopping.

    Acorns

    Considering investing? Not sure where to start?
    Acorns helps you invest your spare change on autopilot.  They round up your purchases and invest the difference for you. It’s fully automated investing, right at your fingertips. Take control, grow your money and more. This is one of my favorite investment companies.

    Chime

    Looking for an online bank? Today, there are so many available, it’s tough to pick one.
    I joined Chime within the last 6 months and I absolutely love them!
    They send me daily balance notifications, alert me when a charge is declined, they have savings accounts and much more. I love their overdraft protection feature and it’s easier than ever to transfer money to friends and family. Their apps is one of the most streamlined, easy-to-use online banking apps I’ve encountered.
    I found them through a discussion in a Facebook group I was spying on. It was a business group and the discussion was about how the girls in the group used Chime for their business banking for their sole proprietorship and it’s helped them separate business and personal expenses.
    It’s a great use for that and also perfect for your personal banking.

    How to pay off your car loan early doing these 5 things! 5 Things This Millennial Did to Pay Off Her Car in 6 Months

    5 Things This Millennial Did to Pay Off Her Car in 6 Months

    Read more

  • 8 Online Jobs for College Students

    If you’re a college student looking for work from home jobs for college students then these online jobs for college students are for you.

    I remember my college days. I was working a full-time 50 hour per week job and going to school full-time.

    Balancing my 18 credit hour school schedule with work was a nightmare. I was young and making it work but looking back, I remember being always tired and I didn’t gain the anticipated freshman 15 because I was so busy with work and school, I didn’t eat.

    What’s the solution?

    An online job! More specifically..work from home jobs for college students!

    How awesome would it be to find a job where you can work from home. So, you don’t have to worry about commuting to work or traffic times, you can just work from your home computer.

    If this sounds interesting, keep reading while we share these 8 online jobs for college students. Enjoy!

    8 Online Jobs for College Students

    These paid online jobs are just what you’re looking for.

    Land a remote job while in college to work around your busy college schedule. In my college days, I was juggling 2 part-time jobs at one point. I was always tired, constantly late to class and living paycheck to paycheck with those jobs.

    These college jobs are 100% remote and offer something for everyone. Check it out.

    1. Influencer

    8 Online Jobs for College Students

    This is one of my favorite online jobs for college students.

    I see so many college kids doing this. It’s the perfect work from home job for college students. You basically start a blog or social media account, grow it, and then get paid to influence others.

    For bloggers, you can make money with brand sponsorships, where companies give you free stuff and pay you to write about them.

    You get paid with advertising where you put ads on your site and earn every time someone visits and clicks the ad. You can earn with affiliate marketing where you talk about your favorite stuff and visitors click and buy based on your referral. And then, you can create your own products and services that you sell to the public.

    You can do the same thing as a social media influencer. The big difference is with blogging, you’ll be doing a lot of writing, creating content for your blog website. With social media, you will do a lot of social media posting, writing amazing content captions and posting gorgeous photos.

    You can amplify your income here by learning from the completion. Check out this Instagram profile spying tool to help you learn from competitors so you can improve and make the most money with influencing.

    Here’s a free course that will help you learn how to make money from sponsorships as an influencer.

    I make an easy $1,000+ many months during the year from my YouTube and Tik Tok influencer accounts, thanks to what’s in this free course. Check it out.

    2. Online Tutor

    8 Online Jobs for College Students

    Online tutoring jobs for college students! It’s a natural fit. Get paid to tutor kids online.

    You can do this with online tutoring companies that help you make up to $25/hour working for home part-time.

    I know fellow bloggers that earn up to $2,000/month doing this part-time!

    Here are some online tutoring companies you can check out for this opportunity:

    • VIPKid
    • Golden Voice English

    Keep in mind a lot of the companies on the list do require you to have a Bachelor’s Degree, though not all of them do. Just a heads up.

    3. Freelance Writer

    8 Online Jobs for College Students

    Freelancing is the perfect work from home jobs for college students. If you have a passion for writing, why not write for others and get paid for it?

    Beginner writers can charge $.10/word and can earn a part-time or full-time living by writing a dozen or so articles per month. 12 articles per month at 1,000-words each, or 12,000 words per month is $1,200 per month! And that can be from just one writing client. What if you had 3 clients ($3,600/month) or 5 clients ($6,000/month). It makes you think doesn’t it?

    Find Jobs Here:

    You don’t have to be an English major to write for companies. You can actually write about any topic you’re interested in, like cooking, small business, sewing, etc.

    If you want to take this full-time, check out this training by a creator who banks $200,000 per year as a freelance writer!

    4. Survey Taking

    8 Online Jobs for College Students

    Get paid to share your opinion by taking surveys.

    This gig has a lot of perks:

    • Take surveys 24/7 when you want to
    • On-demand payment
    • Flexible
    • Unlimited income potential

    Will you make a full-time income with surveys? No.

    Will you make money? Yes

    Will you make money consistently? Yes

    There is no shortage of surveys. You can take them whenever you’d like, with full control over your schedule and no cap on how much you can make.

    Here are some favorite companies we recommend for taking surveys online:

    5. Virtual Assistant

    8 Online Jobs for College Students

    Get paid to assist others virtually. This is like a personal assistant online.

    You will do duties like this possibly:

    • Answering phone calls and emails
    • Calendar management
    • Speaking to vendors on behalf of your client
    • Social media management

    You should be well-organized, diligent and problem solving to do well in a job like this. VA’s can earn $15/hour starting out.

    6. Social Media Management

    8 Online Jobs for College Students

    Do you love social media? Have you grown your followers and know how to do the same for other accounts?

    Becoming a social media manager might be the perfect fit for you. Get paid to play on Instagram, Pinterest, Facebook, etc.

    Social media managers can make up to six figures per year.

    This is a great freelance job because you can have 2 or 3 clients that you do social media for and really amplify your income by a lot.

    Find social media manager jobs in traditional job banks like Indeed, Careerbuilder, etc. You can also look online on social media like LinkedIn or Facebook.

    Learn how to become a profitable social media manager in 2 weeks!

    7.Transcription

    8 Online Jobs for College Students

    As a transcriptionist you will be transcribing audio files for clients and businesses.

    You’ll listen to audio and type what you hear.

    That’s it!

    There’s a little more structure to than that, like a style guide you’ll follow and some other requirements but overall, it’s an easy way to make up to $25/hour.

    You can get training here.

    And, that training will help match you with clients so you can start working!

    8. Book Reviewer

    8 Online Jobs for College Students

    Get paid to review books.

    Dream job, eh?

    Especially if you are a voracious reader or have a love for books.

    Check out these companies for jobs where you get paid to review books:

    There ya go!

    Final Word on Online Jobs for College Students Without Experience | Work from Home Jobs for College Students

    If you’re a college student and so tired of your soul-crushing part-time job, keep on looking!

    The internet is full of interesting, unique opportunities as long as you can put in the effort.

    Share with us!

    What jobs have you done as a college student?

    Which of these online jobs for college students looks the best to you?

    For more on money-making and money-saving hacks, check out these posts:

    8 Online Jobs Perfect for College Students

    Working online in college is the best way to make time for what matters most: your education.

    Try these online jobs for college students to get back your time and make more money! Better yet, you don’t need a college degree or experience to get started.

    Side Hustles To Check Out

    For more ideas on work from home jobs for college students.

    Recommended Reading

    Recommended Resources to Increase Your Income and Save Money

    Credit Firm

    Credit is something that you definitely need in life.
    It affords most people the ability to buy house and buy a car as well as finance other large expenses and sometimes even unexpected costs that can arise.
    Even if you have no plans to make a large purchase in the near future it’s still a great idea to make sure your credit is in check. There are so many little things that can impact your credit and often times you may be unaware Of these things impacting your credit score.
    A high credit score of forts you a low interest-rate and a low payment where as a low credit score can mean the exact opposite and sometimes not even qualifying for that purchase you’re looking to make.
    So with a choice of paying more or paying less, of course you want to pay less in to do that you want to make sure that you have the best credit score possible.
    So take a look at Credit firm, which is a company that can help you review and improve your credit. It’s really great to have experts on your side and to take away the overwhelm and stress of trying to manage your credit on your own.

    Respondent

    If you’re in a pickle and looking to make a few hundred dollars extra this month, look at online panels. I’ve done multiple panels, earning $100+ for each one. They are free to join and pay anywhere from $40 to $400+.
    The most I’ve earned has been $400 on a single panel. It’s like taking a survey but you’ll be doing it interview-style, talking to the researcher on the phone, via email or online.

    Rakuten

    Did you know that you can save money on your online shopping? It’s like getting paid to shop. All you do is install the free cashback browser extension from Rakuten and you’ll get a popup when you land on a partner retail website. Click “Activate” to activate your cashback and after checkout, it will be applied to your Rakuten account. I earned around $28 very quickly after joining.
    It’s not part-time income kind of money but it is extra money that you can get absolutely free, for doing what you’re doing anyway, online shopping.

    Acorns

    Considering investing? Not sure where to start?
    Acorns helps you invest your spare change on autopilot.  They round up your purchases and invest the difference for you. It’s fully automated investing, right at your fingertips. Take control, grow your money and more. This is one of my favorite investment companies.

    Chime

    Looking for an online bank? Today, there are so many available, it’s tough to pick one.
    I joined Chime within the last 6 months and I absolutely love them!
    They send me daily balance notifications, alert me when a charge is declined, they have savings accounts and much more. I love their overdraft protection feature and it’s easier than ever to transfer money to friends and family. Their apps is one of the most streamlined, easy-to-use online banking apps I’ve encountered.
    I found them through a discussion in a Facebook group I was spying on. It was a business group and the discussion was about how the girls in the group used Chime for their business banking for their sole proprietorship and it’s helped them separate business and personal expenses.
    It’s a great use for that and also perfect for your personal banking.

    Read more