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  • 7 Money Skills You Need to Live Rich

    Top money skills you have got to have as a millennial to live richly. Not sure about you, but am I the only one that wants to get rich in 2020?

    Living rich is about being wealthy but not necessarily the way you might be thinking.

    Sure, living rich can be about having a ton of money and living a super luxurious, wealthy lifestyle but it’s also about being rich in culture, rich in family and support. And just having and leading a rich and fulfilling life.

    So I’m gonna share some top money skills to help you get there and yes money can help you become wealthy as well as live rich in other ways and I’ll teach you how. Keep reading.

    Top Money Skills Required for a Rich Life

    Did you know that becoming rich doesn’t mean making more money necessarily?

    There are a ton of ways that you can change your lifestyle and habits to help you become rich, like saving money.

    You want to be be financially mindful and make small changes to help you grow your wealth and ultimately become rich. This post will show you some small ways to save money and grow your wealth in the process, like investing in meal prep containers instead of buying disposable plastic bags, for example.

    These methods will beef up your wealth in no time. Take a look!

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

    1. Money Skills #1 | Save Money

    It’s all about using practical money skills.

    The first step to building your empire is do you have money in the bank can you do that by saving money. Regardless of how much or how little you might be making you can still save.

    Here are some tips and tactics to help you start saving money beginning this month.

    • Start a savings account
    • Pay yourself first
    • Budget
    • Savings goals
    • Check your progress
    • Keep pushing

    Open a Savings Account

    The first step to starting to save money is to actually have a savings account.

    So if you don’t have a savings account make sure you open one. A savings account can be opened with your local bank or you can check with an online bank to open a savings.

    I recently joined Chime which which is an online bank and I absolutely love them. Here’s my link if you want to join Chime and if you refer your friends and they open direct deposit, you both get $50 so if you let them share them.

    Pay Yourself First

    when you get your paycheck, make sure to automatically distribute a set amount of money to your savings account. This is called paying yourself first.

    So the whole idea is that when you get paid the money will instantly hit your savings.

    And there’s no work that you have to do at all. You won’t touch the money and you will just start saving on auto pilot.

    It’s a really easy way to start saving money. It’s automated and you won’t be tempted to spend that money.

    Put Yourself on a Budget

    Budgeting is so crucial to your savings plan. Budgeting is really simple and it’s all about monitoring your spending habits so you don’t overspend. This can help you avoid living paycheck to paycheck. You also eliminate the stress that you have revolving around money.

    Try Mint. This app is so awesome. It’s free and easy to use. I use Mint myself and love it!

    Create Savings Goals

    Creating goals is a good way to start moving toward objectives that you have in the future. So if you have a goal of saving say $10,000 make that a savings goal and start moving towards that.

    Check in on Your Results

    there’s really no point in making goals for yourself if you don’t check in. You have got to monitor your results and see how you’re doing along the way so, don’t forget to check in periodically and see how you’re doing.

    This does give you some great motivation to keep pushing and moving toward your savings goals. This could be something as little as checking your results once a week or once a month. It’s super easy.

    Keep Pushing Yourself

    This one is simple, just keep pushing and moving forward. There may be obstacles that fall in your way but you can get through it and you can meet your goals. There are tons of ways to save, like getting free Netflix (one of my favorite hacks) to satisfy your entertainment needs.

    2. Money Skills #2 | Check Your Credit

    You get one free credit check per year.

    Make sure you’re taking advantage of it. Checking your credit every year is a great practice to have to make sure your credit report is free of errors and your credit is maintaining and improving over time.

    I personally use credit karma to check my credit, but there are a ton of other places we can go to get free credit reports to you.

    Now, your credit report is free which means you can see the contents of your credit like your accounts and balances but your credit score may not be free so if you’re curious about your score you may have to pay a small fee to see that when you check your credit annually. I just wanted to share that says there’s no surprise there.

    If you find that you have weak credit and you want to improve it, that’s definitely a great decision.

    You won’t use your credit all the time but in life you will probably need credit for those large purchases like buying a house or buying a car.

    How to Build Your Credit

    And if your credit is poor, that could mean literally adding hundreds of dollars to your monthly payment or worse, not qualifying for that asset (house or car) at all.

    You don’t wanna find yourself in that position so if you have bad credit I highly recommend that you get with a credit repair company to help improve it. I do have a recommendation for that, it’s the company Lexington Law.

    I have many friends and family members that have used Lexington Law to help rebuild their credit.

    You pay them on a monthly basis and they have several plans to fit every budget so you can definitely find an affordable option for you.

    You won’t be paying them forever. The goal is to work with them to help eliminate credit errors, dispute inaccuracies, get bad credit items off your credit report and other strategies and tactics that they use to improve your credit.

    They have a helpful app where you can monitor everything and they email you often throughout the month to keep you updated on how things are progressing.

    They also tell you when late items or negative reporting items have been taken off your credit report and they track everything so you can see how your score and credit is improving over time. You can check out Lexington Law here.

    3. Money Skills #3 | Reducing Your Spending

    The truth is we all spend money unnecessarily sometimes. And many times it is those little purchases right under your nose that you don’t even realize are drying up your bank account every single month.

    There are ways to reduce your spending and live richly, be happier, eliminate stress, and gain peace of mind.

    First, track your spending. This can be challenging to do manually so I recommend you use an app. I use the Mint app which I also use for budgeting.

    Money skills

    They put all of your spending into different categories and they’ll alert you when you’re spending more for the month so you can back off of that.

    Like, for example when the pandemic hit, like a lot of people I was buying a lot of food. I wasn’t necessarily hoarding or stocking up but when something in life is out of your control, sometimes you want to try to gain a little control in any way you can and for me that was through making sure my family had plenty of food.

    The whole idea of this was really to eliminate the need to go to the grocery store often.

    Before, I would go grocery shopping around once a week but I had to change that to around once every month to month and a half, just so I didn’t have to make frequent trips and be around people so I could stay healthy.

    Other ways to reduce spending:

    • Lower your utility usage
    • Cut back on subscriptions (like subscription boxes, etc.)
    • Cut the cable (we went from $200+ per month to around $30 with streaming providers like Hulu and Netflix)
    • Cook at home
    • Stop eating out
    • Enjoy no-spend weekends
    • Exercise at home
    • Do your hair and nails at home (no more salon visits)

    These changes do not have to be permanent so don’t panic but they are easy ways to cut your spending so you can start saving more and moving more quickly towards your money goals.

    4. Money Skills #4 | Invest

    Investing is so much fun. If you’re a beginner and new to investing, don’t let it overwhelm you. Investing is just a good way to have your money work for you and today there are more and more tools and apps than ever to help you start investing easily.

    I really like Acorns. You can sign up for Acorns for free and it helps you invest your spare change. So you link it to your bank account and it kind of works on autopilot, investing your spare change for you.

    They have a really neat app to help you monitor everything too.

    5. Money Skills #5 | Pay Off Debt

    Work toward paying off your debt. If you’re deciding between saving and paying off your debt, saving should always be done first and paying down your debt should be done second.

    But if you have extra money available, throw that toward your debt so you can pay it off that much faster. I paid off my car loan in under six months. I read stories of others paying off student loans and mortgages and other kinds of debt quickly too.

    Refinancing and Consolidation to Lower Your Debt Load

    Money skills

    You can also consider refinancing or consolidating your debt.

    I did this with my student loan several years ago and it helped me lower my payment and drastically reduce my interest-rate. So it was a win-win all around.

    Keep in mind, every time you refinance, you don’t necessarily save. Although you may have a lower monthly payment, if you extend your term that means that you are paying more overall in the long term. Though, this may be a necessity for some who are struggling to pay bills every month.

    Like if you can refinance a car loan to lower your payment by $100 every month and you need that hundred dollars for living, by all means do it and when you get back on your feet you can look at paying that down over a quicker pace to make up for anything.

    Simple Trick for Payment Relief If You’re Struggling

    And, if you’re struggling or living paycheck to paycheck, a neat tip a lot of people don’t know is to actually reach out to their creditors.

    Your creditors are on your side, believe it or not.

    They want to get paid and if you talk to them to keep them in the loop, letting them know what’s going on, they can assist you by offering payment options, payment delays, forbearance or other ways to help you keep the account in good standing, keep your services, and pay your debt.

    Money Hack for Debt Payoff

    Ask this company to pay your credit card bill this month. Not, just the minimum payment, the whole bill!

    Think about all the debt you racked up on that card, funding your vacation last year, attending your bestie’s destination wedding, “treating” yourself to a great Christmas, etc. Now, breathe a sigh of relief at the opportunity to have this website pay off your entire bill!

    Curious how it works?

    Is your credit card company ripping you off?

    Do you have an insane interest rate or pay a monthly or annual fee? Credit card companies get rich off consumers. There is a way out though.

    A company called Even could pair you with a company that pays off your whole bill, as early as tomorrow!

    Here’s how it works: Even will match you with a loan that’ll cover your credit card tab. Use that loan to pay off your debt, then make monthly payments to repay the loan. Easy!

    The benefit is lowering your monthly payments and help in paying off that debt a lot faster! And, no credit card payment this month! Bonus!

    Even Financial is free and easy to get started with.

    You can actually check online to see what you qualify for, in about 60 seconds (and it doesn’t affect your credit score).

    No waiting in a bank lobby to speak with a personal banker.

    No hanging on the phone, waiting in a queue to talk to a representative.

    Find out instantly, online, painlessly with Even.

    Is it worth it?

    We think so.

    And, you can stop kicking yourself for indulging in buying that 75 inch TV for yourself as a Christmas gift to you!

    This Woman Saved Almost $2,000 Instantly

    Money skills

    Imagine going from paying $200/month to $50!

    That’s a huge savings, at $150/month.

    What could you do with $150/month?

    • Save it
    • Pay it toward other debts
    • Stash it away in your retirement account

    Through consolidating your debt, this could be you!

    By refinancing, she was able to save money, lower her interest rate and save money on the spot.

    Not to mention, she skipped a month’s payment, which got put right back into her pocket.

    Want to see if this will help you get rid of your credit card debt? Visit Even’s website and get an answer in under a minute.

    6. Money Skills #6 | Side Hustling

    Oh my gosh, getting a side hustle is something you definitely want to do!

    Its a top money skill to keep in your back pocket.

    With a side hustle, that means that you’re making more money you can save, save faster, invest more and pay off your debts more quickly.

    If this is an option for you, definitely jump on it.

    My First Side Hustle

    Shortly after college when I landed my full-time job, a few years into it I found myself wanting to make more money.

    Although I wasn’t struggling or living paycheck to paycheck I just wanted more so I took on a side hustle and that was copywriting.

    I did that for several months until I landed my side hustle in online retail which ended up affording me the opportunity to quit my day job because I was making so much money in that side hustle! I won’t go into that story as you’ve probably heard it before.

    I mentioned it often on a blog but in a nutshell I started an online store while I was working my 9 to 5 and about a year into it I was able to replace my day job income so I quit that job and ran business full-time!

    And in its peak I was making up to $30,000 per month.

    This happens all the time to entrepreneurs all over the world. Their side hustle outpaces their day job and when this happens, you’re in the awesome position to leave your day job and many people do. And so that’s how it went for me.

    Skills That Make Money

    Do you have these skills that make money?

    • Excellent communication
    • Well-organized
    • Fast typist
    • Basic computer skills

    The core practical money skills can help land you a ton of different side hustles.

    Here are 13 online weekend jobs to check out for side hustle income.

    7. Money Skills #7| Invest in Real Estate

    I’ve already touched on investing a bit up above but this is a little different and it’s about investing in real estate. Many people think that you need a ton of money to invest in real estate. Real estate investing goes beyond flipping houses or buying foreclosures or tax liens. You can actually invest in real estate with very little money with sites like Fundrise.

    Fundrise let’s you get a piece of the pie by investing in a real estate portfolio with very little money up front. This is a cool way to make a lot of money with little investment to start. This company really gets me excited and I recommend you check them out.

    Other Ideas to Up Your Money Skills and Upgrade Your Life

    Instantly save an extra $500 per month. Here’s a deep dive how to do just that!

    Why Save Money?

    Saving money provides so many benefits, from more peace of mind, money aside for a rainy day, a cushion to help break the blow when an unexpected expense arises, etc.

    Last summer my husband needed 3 root canals?

    Ouch! Do you know how much one root canal costs?

    Mine a few years ago was $1,000 WITH dental insurance.

    And, I needed a bunch of small repairs done to my car (in the same summer) in order to pass state inspection, including tires, brakes, etc.

    That put me back almost a $1,000.

    These are life things.

    It happens to everyone.

    Nobody is immune.

    So, when you have to make an emergency trip because of a funeral, or you have to pay that car insurance deductible because somebody hit your parked car in the grocery store parking lot, or your need to pay medical expenses, or other reasons, a SAVINGS ACCOUNT WILL SAVE YOU!

    Saving is good.

    And, it’s pretty easy to do.

    Here are 22 effortless ways to save $500/month! And even more ways down below how to save $1000 fast!

    How to Save $500/Month Starting This Month

    You can save more by making more and by saving more. Making more money means you have more disposable income, that you can put towards savings, among other things.

    And of course, saving money helps you save, right?

    Making Money Money to Save More Money

    1. Take surveys (this company is popular and a fun, free way to make money daily)

    2. Start an online store (I opened a little e-commerce store and made around $500 my first month easily, on 1 hour per week)

    3. Start a blog (I went zero to $1,000/month in just 4 months on my first blog)

    4. Freelance writing

    5. Freelance graphic design

    6. Digital marketing

    7. Get an online job

    8. Get paid to shop (with this cashback website)

    9. Monetize your social influence (start getting paid to be a social media influencer)-this training shows how to reach $10,000/month working with brands 

    10. Write ebooks

    11. Create online courses

    How Can I Save $1000 Fast?

    12. Save money on groceries with

    17. Move (move in with roommates or move back home temporarily)

    18. Sell your car (and take public transit or bike/walk where you need to go)

    19. Set up your direct deposit to pay yourself first

    20. Create a budget – I use Mint

    See where your money is going. Track spending patterns. Avoid going over budget and more.

    No spreadsheets needed.

    Do it with your phone using the Mint app!

    21. Track your spending

    22. Get a personal finance app

    Increasing Your Income by $1,000

    Increase your income by $1,000/month by consolidating your debt. Hang on with me for a sec, let me explain.

    First, think about your debts. You have…

    • Credit cards
    • Student loans
    • Auto loan
    • Personal loan
    • Other loans possibly

    Each loan or credit account has an interest rate and monthly payment. If you combine them all into one, you can likely lower your interest rate, and lower your monthly payment.

    I did this my student loans a few years ago and went from $200/month or so to $50/month!

    Let’s look at an example..

    • 1 credit card 10% $2,000 balance
    • 1 student loan 5% $10,000 balance
    • 1 student loan 11.99% $8,000 balance
    • 1 auto loan 8% $5,000 balance

    The average of the interest rates is 8.74%.

    What if you could combine all those debts for an interest rate lower than that?

    Or, what if you could negotiate your balances lower to reduce your payments?

    These are just some of the options that may be available with this company.

    Are you tired of debt controlling your life?

    Debt is hard to ignore.

    It’s easy for your debt balances to balloon out of control and take over your entire life. It can feel overwhelming and become more and more difficult to fend off the collections calls.

    How can things change?

    You have to find a company that can work on your side to help you reduce your debts.

    These professionals have these amazing accolades:

    •  TopConsumerReviews – rated #1 for Debt Consolidation
    •  TopTenReviews – rated #1 for Debt Consolidation
    •  ConsumersAdvocate – rated #1 for Debt Consolidation
    •  ConsumerAffairs – rated #1 for Debt Consolidation
    •  40,191 reviews on ConsumerAffairs with a 4.83 out of 5.00 rating
    •  24,642 reviews on TrustPilot with a 9.4 out of 10 rating

    What People Are Saying Working with Them…

    Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

    They really care about “you” and making your life easier. They answer all of your questions and are very detailed.

    I was up to my eyeballs in debt and National Debt Relief saved me from drowning in the debt.

    Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

    National Debt Relief helped me settle my debts that were choking me.

    Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

    Getting Started..

     

    Is it really possible to get $1,000/month back every month through debt consolidation?

    Absolutely!

    Want to find out how?

    Fighting debt is one of our top money skills.

    Don’t delay. If you’re serious about finally taking control of your debts, you’ve got to check out National Debt Relief. Click here to learn more about how they can help you and click here to get a free quote.

    Final Word

    There you go, 7 money skills to help you level up your life. What do you think about these money skills? Practicing any not on the list? Comment below to let us know!

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

    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

  • How to Deal With a Day Job and a Side Business

    I have been there. My last day job before I became an entrepreneur felt like a juggling act. I was dealing with a day job and a side business.

    My struggles included time management, work/life balance, avoiding burn out, making best use of my personal time, and more. But, I figured it out. And, if you’re in this position too, this article will help you learn how to deal with a day job and a side business.

    Keep reading and make sure to bookmark this post so you can come back to it later.

    How to Deal with a Day Job and a Side Business

    Who would pick such a fate? A day job and a side business. Well, the truth is, having a side business comes with a ton of benefits:

    • More income
    • A side project that pays
    • The opportunity to pursue your dream
    • The chance for your side business to become your full-time gig
    • And, more!

    For me, I had always dreamed of becoming an entrepreneur. This feeling had been disguised growing up. Looking back, I realize that my hobbies revolving around art, fashion and other creative loves was about setting out and doing my own thing, as an entrepreneur.

    I wanted to be a model, an artist, a CEO. And all these things have one thing in common: you’re the boss. And, you’re likely an entrepreneur.

    I figured this out a few years after I graduated college.

    Before college, I didn’t know what I wanted to do with my life. After college, I was kind of still in that space but I fell into a career field where I loved learning about a skill that would help me in my personal life. And, that was banking and finance.

    So I did the banking/finance thing for a decade.

    In the last 5 years of that, I began to get bored with that job and wanted more. I applied to tons of jobs, interviewed for many but something just wasn’t right. I couldn’t find the right fit. Despite being moved throughout the company, learning more, getting promoted and raises, I still wasn’t fulfilled like I thought I’d be.

    That’s when I realized I wanted to be an entrepreneur.

    So, I set out and did it!

    This is what my schedule looked like.

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

    Being Swamped Balancing a Job and a Side Business

    I had a baby in the mix and my day started at 5 am with nursing my little guy. Then, I’d get ready for work, head in to the office, pump in the morning in the nursing mother’s room and then go to work.

    My work day was normal. Work, nursing mothers room, then on breaks and lunch, I’d do business stuff.

    My day was 8 to 10 hours long. With traffic, that oozed into 11 to 12 hour days.

    I’d get home, make dinner, do chores, play with the baby, spend time with my husband and by 9pm I was back to the business.

    I’d work from 9pm to around 1 or 2 in the morning, go to sleep, then wake at 5 am and the cycle repeated.

    I was exhausted, burnt out but I loved what I did in my business and kept going.

    A year into it, my business income outpaced my day job salary so I quit!

    Here are some takeaways I learned from trying to balance a job and a side business:

    1. Create a routine

    Make a daily routine and practice it everyday. Create a separate weekend routine too. Stick to it. This helps you stay organized and get all the important stuff in.

    2. Slow Down

    Running a business does not have to be a rat race. Slow down, take your time and realize that your personal time is just as important as work.

    3. Create a Plan

    If you have a business or you are thinking of starting one, you have got to put together a business plan. This helps you put your thoughts on paper, craft a real strategy for your enterprise and execute it.

    4. Take Time Off

    There should be days in your week where you take a break from running the business. Take this time off, though it might be hard for you. You will need it and it will be helpful to recharge and re-energize yourself.

    5. Get a Team

    Sometimes you can’t do it alone. Get help. Hire staff. Ask family to help, even if it means babysitting your kids so you can have some quiet time to nap or work on your business. It’s all about outsourcing.

    6. Sleep and Eat

    When we get busy, we forget these 2 important things. Take time. Rest and eat.

    7. Monitor your Progress

    Track your results. It’s a great motivator and holds you accountable. It reminds you of what you’re working toward.

    Final Thoughts

    There you go! My top tips to deal with a day job and a side business.

    You can do it!

    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 Deal With a Day Job and a Side Business

    Read more

  • 7 Ways to Save HUGE On Utilities

    Looking for the best ways to save on utilities? There are many easy ways to save money on your utility bill. And, you’re in luck! We’re going to shine light on 7 amazing ways to help you save big on your utility bill. These ideas are easy to execute, you can start today, and see a lower utility bill starting next month.

    Keep reading to learn how to save on your utilities and bookmark this article to read for later!

    How to Save Money on Utilities

    You can save money on utilities.

    And, these simple changes will help you put money back in your wallet. Try these tactics and put them into habit so they can become routine for you and your family.

    How would you feel if you could take your $200 electricity bill and bring it down to $80 or lower!

    I did this! And I will show you exactly how.

    You just need a little effort, consistency, and you can do it. Here we go!

    7 Ways to Save on Utilities

    Save money on your utilities. This is how you do it!

    1. Unplug Appliances Not Used

    Have you heard of this one? Sounds easy. Maybe too easy to be true but it totally is.

    When not in use, unplug those appliances!  Because when they’re plugged in, you’re still using power, believe it or not. It’s called vampire energy.

    Examples of vampire energy:

    • Your toaster sitting on your kitchen counter plugged in
    • Your TV plugged in when you’re away for the day at work
    • Your can opener or bread maker plugged in or your computer and printer hogging energy when you’re not using them

    This is one you can try starting today and it will make a sizable impact!

    How to Do it?

    Go room by room.

    Next, unplug.

    That’s literally it.

    Here are some examples appliances and devices you might have plugged in:

    • Coffee brewers
    • Toasters
    • Icecream machines
    • Bread makers
    • Video game consoles
    • DVD players
    • Slow cookers
    • Priners
    • Fax machines

    There’s more than this too!

    Make an effort on this one and you will see your utility bill shrink.

    2. Invest in Smart Power Strips

    A smart power strip is what you need. It lets you connect all your electronics to a single strip of outlets. When you want to turn it all off, flip the switch and all devices that are plugged into the strip instantly turn off.

    Super easy.

    This one from Amazon is a favorite. It can sit on your desk or counter! This is sitting on my computer desk right now!

    3. Switch to a Programmable Thermostat

    When you’re at work during the day, your home can be warmer. In the evening when you are home, your house can be cooler. And this can be programmed super easily with a programmable thermostat.

    I love Nest.

    It’s a stylish programmable thermostat that can be run using your smartphone!

    Big money saver. Try this one.

    4. Time Your Water Usage

    Limit showers.

    Don’t run the water while brushing your teeth.

    These are just a few things you can do to limit water usage and save money on your water bill.

    And, if you EVER have a broken toilet. Make sure to get it fixed ASAP.

    In my old place, I had a broken toilet and let it go way too longer before it got fixed. Little did I know that while the toilet was broken, it was running water, 24/7.

    My water bill was 7X the normal price the next month.

    Waste of money.

    Don’t let this be you. Tend to this if it ever happens in your home.

    5. Keep Your Home Cool and Well-Decorated with Curtains or Blinds

    Curtains. Blinds. Get them. Use them.

    Not only are they stylish and can totally transform your space but, they also help keep your energy costs down.

    Regulate the temperature in your home better with window coverings. Try this, it works!

    6. Energy-Efficient Light bulbs

    Try LED bulbs or green-friendly light bulbs. These use less energy and last longer. That means less time throughout the year worrying about replacing bulbs.

    7. Call Your Utility Company

    Don’t be shy. Reach out to your utility provider to see if they can save you money.

    This can include promotions on rates, free money-saving equipment, and more.

    P.S.  You can save on cable by getting free Netflix!

    Final Thoughts

    There you go! Did we miss anything? Share your ideas for saving money on utilities down below.

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

    Read more

  • How to make $1000 a month

    You want to make $1000 a month. You’re not alone. A lot of people are looking for ways to make more money. Did you know that most of the American public lives paycheck to paycheck? Really, most Americans struggle financially.

    You want to make more money. You want to make $1000 a month, but not sure how to get there.

    You’re in luck! I’ve been reviewing and researching side hustles for nearly a decade. It all starts back when I was at my corporate job. I was making good money. And, I wasn’t living paycheck to paycheck but I wanted more.

    I wanted to grow my savings, eventually buy a house one day, and not have a worry about finances. So, I started my hunt for side hustles and ways to make extra money.

    While you’re reviewing this, if you want to grow some passive income, check out these 7 passive income ideas.

    Here are 10 ways to make $1000 a month that you can start this week. Enjoy.

    1. Ecommerce

    This is one of the things that I did when I was working my 9 to 5. My ecommerce brand became so successful, it actually helped me leave my day job and run the business full time.

    I reached $30K per month in it’s peak, with 50,000+ monthly page views.

    Also, made a lot of friends in the ecommerce community. I learned a lot. I made a lot. Life was good. I was finally living my life as an entrepreneur.

    How did I do it?

    I started by picking a niche. Your niche is your category. What will you sell?

    • Fashion
    • Home goods
    • Food
    • Baby stuff
    • Toys
    • Shoes

    The list goes on and on and on. Pick something. Then, find suppliers.

    Figure out how you will get your supply. Will you make it? Will you need to find a manufacturer or wholesaler?

    I did wholesale and I used places online to fuel to my store, like:

    Then, you launch your store. Go with Shopify. This is who I went through. They are A+ and have everything you need to run a successful store:

    • Gorgeous, professional paid and free themes for your store
    • Access to experts to help you with customer service, marketing, fulfillment, etc.
    • An app store with free and paid apps for everything under the sun, like marketing, customer service, email marketing, etc.

    Right now Shopify has a 14-day free trial. If ecommerce is something you want to try. Give it a test drive and see how you like it. You will NOT be disappointed, trust me.

    2. Blogging

    Start a blog, like this one, Millennial Nextdoor.

    Write about your passion. Make money online. Connect with an audience. It’s really awesome.

    On my Tik Tok, I just featured this college blogger who makes $30K+ per month as a blogger.

    She just graduated college and she’s already making six figures. She started her blog while in college and it blossomed beautifully. Follow me on Tik Tok to see more business tips and business/blogger spotlights!

    You can start a free blog, like on Medium. But, if you want to make the most money with blogging and establish a professional name for yourself as a blogger, you’ll need web hosting.

    I recommend Siteground for web hosting services. They offer affordable hosting, at $3 to $6 per month. And, their service is incredible. I’ve talked to their chat team a few times and they are on point! Siteground is who I use for my blog, by the way.

    This blog, Millennial Nextdoor, is actually like my 20th-something website, I think.

    I do website flipping on the side. So, I have tons of experience creating sites.

    My first blog grew to $1,400/month in under a year and I sold it for a cool $12,000!

    I will teach you all my tips and tricks for growing a blog. Make sure to bookmark Millennial Nextdoor so you can keep up with all my updates and new blog posts!

    Check out my free guide for how to start a profitable blog.

    3. Freelance Writing

    I’ve made tens of thousands of dollars freelance writing. I’ve probably made six figures by now. I started taking freelance writing jobs more frequently starting last year. I made nearly $30K from it in 2019 and it was on the side!

    If you love writing, get paid for it!

    You can charge $.02 to $.05 per word as a beginner.

    This means, if you have 3 clients writing 10,000 words/month each, you can earn this much:

    10,000 words * $.05/word = $500 times 3 clients = $1,500!

    And, you might shiver at 10,000 words, but it really isn’t that much content.

    Here are some tips to crank out quality writing work quickly:

    • Try dictation: this is where you speak aloud and have your computer type what you’re saying. It’s a free feature on Google Docs!
    • Make an outline for your writing-this helps you write so much faster
    • Use Google-look at those “People Also Ask” questions and use those in your writing. It’s great for SEO. See screenshot below.

    Where to Find Writing Jobs?

    4. Sell Services

    Do you have skills? Sell services.

    You can sell them on Fiverr and it can include:

    • Voiceover
    • Graphic design
    • Logo design
    • Business card design
    • Video editing
    • And, more!

    5. Sell Ebooks

    Write an ebook, sell it, make money.

    If you have an audience, like a following on social media, you can create a book in your niche and sell it!

    If you have an email list, that’s even better.

    Create a book on cooking vegan food, running a business, becoming a mobile notary, yoga, really anything you want.

    This can be incredibly lucrative.

    Sell it on your own with a service like Sendowl.

    They are super cheap with plans starting at just $9/month.

    Or, get on Amazon!

    Sell on KDP and be on Amazon’s platform with your book available for sale to the public.

    6. Sell Courses

    Courses are another great alternative to making $1000 a month! You can price your course at $200 and only need 5 sales per month to meet your $1,000 goal!

    Where Do You Create Your Course?

    Where Do You Sell?

    You will have a link that you can direct people to for purchase of your course.

    Sell your course to family and friends. Sell on social media.

    Share to your email list.

    You can also do free promotion or paid marketing to make sales, like using Facebook ads or Pinterest Promoted Pins.

    How Much Can You Make?

    You can make a lot! A full-time income, passively!

    Top course creators have $500K+ launches!

    If you have knowledge a niche or expertise in a field, consider teaching about it online.

    7. Dog Walking

    Love animals? Walk dogs. Or, you can do pet sitting.

    This is a fun job that gets you outdoors and around these furry friends.

    It will alleviate stress, make you feel great and you get paid for it!

    Where to Find Dog Walking Jobs?

    If you don’t start your own pet sitting or dog walking business, try these places:

    Final Word on How to Make $1000 A Month

    There you go! 7 ways to make $1000 a month. I hope one of these jobs sounds like a great fit for you.

    Have you tried one of these jobs before? Or, is there another opportunity we missed?

    What about if you’re strapped for cash and need money now? Review these money-making ideas for quick cash.

    Lets keep the conversation rolling.

    Comment down below, I’d love to hear from you!

    Recommended Reading:

    5 Ways to Make Extra Money

    5 Credit Hacks to Transform Your Credit Fast

    How to Grow your YouTube Channel to 100K

    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.

    Our Favorite Reviews

    ProfileMate helps you learn from the competition. For influencers, small businesses, agencies, marketers, and more, you’ll be able to do in depth analysis of your Instagram competition. Easy to use.
    Keysearch is the last tool you’ll use for keyword research. Quickly and easily locate keywords for your copywriting and publishing projects.

    How to Make 1000 a month

     

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  • 7 Passive Income Ideas to Make You Rich

    Looking for passive income ideas to make you money in your sleep? These income ideas will not only do that, they can contribute to your overall wealth, playing a part in making you rich. Bookmark this post to come back to it later. Let’s dive in!

    passive income ideas

    What is Passive Income?

    Passive income is the ability to make money with little to no maintenance work required. There is work involved, don’t get me wrong, but only in the foundation-building phase. First, there’s foundation-building, then maintenance.

    For example, you spend 40 hour creating a dozen printables to sell online. Then, you load them to your Etsy store and as they sell all month long, you don’t need to do anything. Sales hit your bank account and you can make money even while you sleep!

    There are tons of ways to make passive income overnight.

    I’m going to share 7 of them with you and tell you what’s required, how to get started and pro tips to make the most possible.

    7 Passive Income Ideas to Make You Rich

    passive income ideas

    1. Digital Products

    I shared one example already, the Etsy printables! Digital products are products that are available digitally. You create your product, connect it to a shopping cart and make money passively!

    Here are some examples of digital products that you can create:

    • Digital courses
    • Printables
    • Digital planners
    • Ebooks
    • Eguides
    • Digital calendars
    • Digital checklists
    • And, more!

    How to create digital products?

    You can create many digital products using simple word processing software like Google Docs or MS Word. Others that require graphics or more creatives can be done with Canva or PicMonkey.

    There are even templates for ebooks, digital planners, etc. that make the process even easier. Head to Creative Market and look at these templates for ebooks and other digital goods, to help you cut time by creating your product rapidly.

    This is a shortcut that the pros do!

    How do I make money passively with digital products?

    I started creating digital products almost 10 years ago. Today, I do very little maintenance to them and I still get payments all throughout the year.

    One platform that I make money from is Udemy. I created courses for Udemy a while back and still make passive income from it today! If you want to take another shortcut, check out this easy $30 course on creating digital products like the Pros. You can learn step-by-step how to do this and begin making money from digital products right away.

    2. Sell Stock Photos

    passive income ideas

    Are you an amateur or professional photographer? Make money selling stock photos! Stock photo companies are in need of gorgeous photography from photographers just like you. In fact Shutterstock has paid out millions to people selling their photos on their site!

    How to Get Started?

    The process is simple. First, set up your account. Then, add photos and start selling!

    This is 100% passive. Once you upload your photos, you don’t need to do anything else. The perfect opportunity to make money in your sleep.

    No fancy photo equipment needed. With the technology that exists in smartphones, you can take a stunning photo using just your cell phone.

    Give this a try to start making passive income!

    3. Rent Out Your Space on AirBNB

    This works if you own OR rent your place. Make money doing nothing, renting out your home to short-term renters.

    Join AirBNB for free, rent your space, make money.

    Easy!

    What’s Required to Get Started?

    There are no up front fees to get started with AirBNB but, you will need your space to be clean and ready for guests.

    Do you have linens like towels, toiletries, etc? Is your home hotel room-ready?

    Think about when you visit a hotel room. It’s clean, tidy and organized. There are towels, a coffee bar, etc. Recreate that feeling in your own home, even if you’re just renting out a room.

    How Does Rental Arbitrage Work?

    If you rent, you can do the same thing. Same process.

    The only different is you’ll want to get permission from your landlord in advance.

    How Much Can You Make?

    Renting out your home weekends only at $200/night can make you an extra $2,400/month before fees!

    Renting out a room weekends only at $80/night can make you an extra $960/month before fees!

    That’s real money and it’s totally passive.

    Hop onto AirBNB to learn more!

    4. Rent Out Your Car

    You can use GetAround to make money renting out your car.

    If you’re a homebody like me, this makes perfect sense on the weekends.

    I love to snuggle in on the weekends. Clean the entire house, then take a hot bath and relax for the rest of the weekend watching movies, cooking at home, listening to music, playing with the kids and pets. It’s a good time.

    I hardly ever use my car on the weekends.

    So, why not rent it out?

    Try this and make a few hundred to a few thousand dollars extra every single month!

    5. Build a Niche Website

    This is easier than you might think.

    First, build a website. You can do this for under $50 yourself, in about an hour.

    Get hosting. Connect WordPress. Apply a website theme and add content.

    For the content, this will be articles around a particular niche, like:

    • Boating
    • Skiing
    • Golfing
    • Knitting
    • Tuba playing
    • Piano lessons
    • Baking
    • Vegan cooking
    • Anything you want, really!

    Write 30 blog posts about your niche and monetize them with affiliate links.

    You will want to do SEO research on the topics you write about to ensure you can rank your posts on Google to get traffic. Once this is done, you literally don’t have to do anything. Traffic will start coming in. People will click your affiliate links, buy, and you will earn commission.

    6. Create a Course

    Courses are digital products! You can teach an audience online about a topic you are passionate about.

    And, you can make a lot of money!

    Course creators have been known to make $400,000 or more in a single course launch, like pros Melyssa Griffin and Mariah Coz!

    Use the platform Teachable for your course.

    Launch online.

    And, do little to no maintenance while you make money in your sleep.

    7. Invest Your Spare Change

    Use Acorns and invest your spare change. Make money off this investment. It’s super easy. Join Acorns for free to get started.

    What’s Required to Make These Passive Income Ideas Work?

    Will, determination, and follow through. You will need a computer or cell phone with internet access. And above all, actually do it. You might be research and reading posts on Pinterest and Google, checking out Reddit and other places trying to find passive income ideas.

    You take in all this great info but you don’t take action so you don’t make money.

    Take what you learn and execute it! Put it into play so you can REALLY start making passive income!

    Get started today.

    Let us know what you think in comments!

    Recommended Reading:

    5 Ways to Make Extra Money

    5 Credit Hacks to Transform Your Credit Fast

    How to Grow your YouTube Channel to 100K

    7 Passive Income Ideas to Make Money in Your Sleep  7 Passive Income Ideas to Make Money in Your Sleep

    Read more

  • 5 Credit Hacks to Transform Your Credit Score Fast

    Looking for the best credit hacks to improve your credit?

    Credit can be pretty important in life. It can help you get the more expensive stuff in life, through financing, like buying a house, car, etc.

    And, if your credit is good, that means you’ll get a lower interest rate and lower monthly payment for those expensive buys. If you’ve had credit struggles in the past, you are not alone. Tons of people have slip ups with their credit or life happens and causes credit card debt, past due payments and other credit issues.

    If you want to learn about the best credit hacks to improve your credit score fast, watch this video below, which is one of my favorites I found on the topic. Enjoy!

    5 credit hacks to boost your credit score (1) 5 credit hacks to boost your credit score (1)

    Read more

  • 5 Ways to Make Extra Money When You’re Strapped for Cash

    5 Ways to Make Extra Money When You're Strapped for CashLooking for ways to make extra money when you’re strapped for cash?

    The best way to make extra money is through taking surveys.

    You can maximize your earnings through survey-taking is by taking surveys from multiple survey companies.

    Think about it.

    If you’re earning $200/month with one survey company, you could split your efforts across 3 survey companies instead and make $600/month.

    This is just an example.

    Consumer opinion is very valuable and companies are willing to pay people to learn about their lifestyle, wants, needs, and gain insight to what they find important and what determines their decision to purchase.

    I remember going on a grocery shopping trip a few years ago and getting stopped to do a taste test for milk.

    Unfortunately although it wasn’t a terrible experience, I do regret it.

    It took far longer than I thought and by the time I was done, I felt so grossed out by milk that I had to inhale the free goody bag they gave me, at the register while I was paying for my groceries.

    As I was heading toward the register with my shopping cart, I was stopped and asked if I would do the taste test.

    I had noticed the sampler a few minutes prior asking people to participate and person after person declining.

    So, in an extra-generous mood, I felt like being helpful and I decided to participate.

    It took about 10-15 minutes of tasting milk, answering a survey about my thoughts, taste, etc. 

    Then trying another brand.

    Then comparing the two brands and on an on.

    In all, I tried about 6-7 brands of milk.

    That was my experience.

    It just goes to show that it can be very difficult to get consumers to participate in surveys without some type of reward behind it.

    It’s a major driving factor and companies know this so they team up with market research companies.

    Here are some survey companies you might be interested in:

    Swagbucks

    Swagbucks offers many different ways to make money online that are fun and rewarding, like:

    • Playing games
    • Taking surveys
    • Online shopping
    • Watching videos
    • And, more!

    You will never get bored with Swagbucks.

    They work on a points-based system, where you can redeem for rewards like gift cards to major retailers like Amazon.

    First, you’ll like that they offer a $10 bonus for joining!

    Then, they have a great referral program where you can earn 10% of your friends’ earnings.

    Each time you complete an activity you earn points.

    They stack up in your account and then you can redeem for rewards.

    Examples of rewards include:

    • Walmart gift cards
    • Amazon gift cards
    • Starbucks gift cards
    • And, more!

    Learn more about Swagbucks.

    LifePoints

    Lifepoints is another Frugal for Less favorite survey company that offers a smartphone app to pay consumers for their opinion.

    What is Lifepoints?

    Lifepoints is one of the largest market research companies in the world, paying out over $20 million dollar to their members.

    How it works?

    It’s a simple 2-step process.

    First, take surveys.

    Then, get rewarded.

    When you join Lifepoints, you’ll earn 10 Lifepoints just for joining!

    Joining is free and once you do, you’ll be able to get started taking surveys.

    Is Lifepoints panel legit?

    Based on our full review and participant reviews, we have determined that Lifepoints is legit.

    They are a well known market research company and many members have publicly reported that they have been paid.

    How much are Lifepoints worth?

    Each survey offer is different and you can earn around 35 to 350 Lifepoints per survey completed.

    25 Lifepoints equals $1.

    How much can you make on Lifepoints?

    The amount you can earn on LIfepoints will vary based on many factors like survey availability and your time.

    You will not earn a full-time income on Lifepoints, just like you won’t make a full time living taking surveys but you can earn some extra money for saving, paying off debt or to enjoy a more fruitful lifestyle.

    Lifepoints Pros

    • User-friendly app
    • There are usually lots of surveys and tasks available
    • There’s potential to cash out within a few weeks of joining
    • Unique,fun and rewarding survey offers
    • Average survey time 10 minutes or less
    • The surveys take an average of 10 minutes or less.
    • Multiple ways to redeem your points
    • Unique ways to help you earn more by boosting earnings
    • If screened out, you’ll automatically entered into sweepstakes 

    Lifepoints Cons

    • Being screened out of a survey can happen
    • Occasional app crashes/freezes, as reported on the app

    Check out more on Lifepoints

    Prize Rebel

    With Prize Rebel you can join in just seconds, complete paid online surveys and redeem for cash and gift cards to places like PayPal, Amazon, and Walmart.

    Quick facts about Prizel Rebel:

    • Over 10 million members
    • $20 million redeemed since 2007
    • 504 gift cards to choose from
    • $771 in paid online survey right now!

    Check out some of the reviews:  

    “Thank You Prize Rebel. I have been a member for a few months and this is my 5th reward I received. I love getting rewarded for taking the time to do surveys and other things. It takes time but it is worth it. I love this site. Thanks again.”

    “Whoa, I was so excited when I checked my mail today! My $50 Visa gift card got here so quickly! Thanks so much, Prize Rebel! You guys made my day! :)”

    “Thank you PrizeRebel for my $10 Walmart gift card,you guys are awesome. All I did was log in and answer surveys that easy,in no time I accumulated enough points to redeem this gift card. My gift card came really fast in the mail. Thank you PrizeRebel.”

    Sign up to Prize Rebel here.

    Survey Junkie

    People are big fans of Survey Junkie because they are known to be one of the higher paying survey companies.

    What is Survey Junkie?

    This survey company pays you to take online surveys.

    The survey offers you complete are anonymous and are very useful to help companies learn about consumer behavior.

    Pros of Survey Junkie

    • Free to join
    • Points can be exchanged for both cash to PayPal and for gift cards
    • Your information will be used to help companies improve their products
    • Your answers are kept anonymous
    • Potential for high earnings 
    • Registration bonus for joining

    Cons of Survey Junkie

    • The payout can be low, based of multiple factors
    • You are not eligible for all surveys
    • Minimum balance of $10 needed for Payout
    • Only users from the United States, Canada and Australia can participate 

    How much can you make with Survey Junkie?

    With Survey Junkie 100 points equals $1.

    The amount you earn can be determined by many factors like your profile, location, eligibility and other factors.

    We’ve found that you can earn between $5 to $12 per hour taking surveys with Survey Junkie.

    You can earn close to the higher end of that range if you stick to taking the higher paying surveys only.

    Click here to read more about Survey Junkie.

    Vindale Research

    Vindale Research is a free survey site where you can earn money per survey completed. You get a $1 signup bonus for joining and once you create your profile, you’ll have access to a host of surveys and you can take an unlimited number of surveys daily.

    Every day I login, I see up to $30 in daily offers in my dashboard. Can you imagine how much you can make from this one survey site?

    $30 x 5 days/week = $150/week (or $600/month)

    How It Works?

    First, take paid surveys.

    These surveys are going to be based on you.

    Your profile that you filled out when you signed up will help match you with the right survey based on your demographics and background.

    You’ll enjoy access to hundreds of surveys.

    Get access to some of the highest paid surveys in the industry and get the flexibility to complete your surveys on any device.

    That means you can use your computer, smartphone or tablet to take your surveys, making it super convenient for you.

    Once you successfully complete your surveys, you’ll earn instantly.

    The earnings are applied to your Vindale account and you can redeem via PayPal.

    You’ll love that you earn real money for completing surveys.

    This hassle-free way of getting paid eliminates the guesswork that can come with working with a survey company based on points.

    Vindale has paid out over $7 million dollars to their members.

    Surveys will be on a variety of lifestyle topics like:

    • Cars & trucks
    • Politics 
    • Health & beauty
    • Technology
    • Travel
    • Leisure
    • And, more!

    Check out our full review on Vindale Research and click here to head straight to the site to get started.

    And there you go!

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

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  • 5 Ideas to Start a Business with No Money

    5 Ideas to Start a Business with No MoneyThinking about starting a business but low on startup funds?

    No worries, I’ve got 5 awesome business ideas you can start from home with no out of pocket expense.

    If you have always dreamed about starting a business but were held back by the startup capital, you won’t have to wait any longer. Check out these 5 smart ideas to start a business with no money.

    How to Start a Business with No Money

    You have to pick a service business, first of all. Product businesses are those where you sell products, like home goods, apparel, etc.

    Service businesses are where you offer a service, like accounting, bookkeeping, tax prep, graphic design, etc.

    Service businesses are ideal to start with no money because you’ll have low or no overhead and no up front service cost.

    A lot of service businesses can start just using a laptop and an office.

    Check out these ideas to give you some inspiration.

    5 Smart Business Ideas to Start with No Money

    1. Graphic Design

    We mentioned it above. A graphic designer creates beautiful illustrations and designs for others. This could be…

    • Website design
    • Logo design
    • Business card design
    • Flyers
    • Book cover design
    • And, more!

    If you are a creative and have knowledge of how to use graphic design software like Adobe Photoshop or even Canva, then you can look at becoming a designer.

    Small projects like logo design can range for $50 and up. Larger projects like website design can go upwards of $10,000. There is a lot of flexibility and this is the perfect business to stretch your creative spirit.

    2. Copywriter

    This is where I got my start. Prior to starting my first product business, I did copywriting. I did it on the side while I worked my primary job and I absolutely loved it! I still do copywriting today. In fact, I’m the head of content for a few companies.

    Copywriters create content for others, like:

    • White papers
    • Blog posts
    • Magazine articles
    • Product descriptions
    • Sales page copy
    • And, more!

    If you love writing and can follow directions well, you can look into copywriting. Entry level copywriters can charge $.05/word and if you write 50,000 words/month, that’s around $2,500 in income.

    This is also a great business to turn into an agency. A content agency will have multiple writers on staff so you can get large orders for content and simply outsource it to your staff.

    You can keep freelancers on board, that are paid after the client pays you, and you get a cut of their work.

    For example, if you book a $5,000 project, you can outsource to a freelancer and give them half, or $2,500 and you keep the other half. This is a great way to make a lot of money fast. A lot of new agencies that have popped up make money quickly, even from the start.

    3. Accountant

    If you know accounting, you can help others with the “books.”

    You can manage their accounting business throughout the month and do this with multiple companies, making a nice living.

    This is for people who are certified in accounting. It’s really not the kind of job that you can self-teach yourself like writing or graphic design, so keep that in mind.

    4. HVAC Repair

    Do you know how to repair A/C and heating units? A friend of the family does this and he makes a nice living. He loves the freedom and flexibility it gives him. He is out and about fixing HVAC units during the day. He makes his own schedule and the time goes by so fast.

    5. Social Media Manager

    Get paid to play on social media. I do this too! I absolutely love it because it allows me to help businesses grow on social media. You can grow their social presence, get them followers, and create traffic from social networks back to their business.

    This is great for Instagram, Pinterest, YouTube and other networks.

    If you’ve never done this before, this is the kind of job that you can teach yourself. Or, better yet, take a class on Skillshare! Skillshare offers a library of 20,000+ online courses on everything from French baking to digital marketing to copywriting, learning Spanish and everything inbetwen. It’s only around $10/month and you get unlimited access to the courses. I’m a member!

    So get on Skillshare, take a course on social media marketing, practice on your own accounts then start getting clients.

    SMMs can charge $1,000/month or more depending on how many networks they manage, per client. Ten clients per month means $10,000/mo.

    Final Thoughts

    There you go!

    Recommended Reading:

    5 Ways to Make Extra Money

    5 Credit Hacks to Transform Your Credit Fast

    How to Grow your YouTube Channel to 100K

    5 Ideas to Start a Business with No Money 5 Ideas to Start a Business with No Money 5 Ideas to Start a Business with No Money

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