If you’ve purchased a home or are on the market for one, someone will mention the need for a home warranty policy. The big questions though are what they cover and whether or actually not you need one. We’re here to help you decide the answers to these questions. What Is a Home Warranty?A home warranty is essentially an insurance policy that covers your home. This policy is not to be confused with homeowners insurance, which covers damages or losses to your entire home or possessions (think fire, flood, and the like). Home warranties cover items in your home that are breaking or malfunctioning. The home warranty company you contract with will send someone to help you fix it, pay for any damage, or replace the item altogether. Items covered under a home warranty include electrical systems, HVAC units, furnaces, and major appliances like your fridge, dishwasher, washer, and dryer. Depending on the company, there may be additional coverage options that you can opt into. Opting in is called an “extended warranty” and can increase the cost of your premiums. How Much Does a Home Warranty Cost?Home warranties can cost hundreds of dollars annually and often must be paid in full. Some companies offer payment plans to spread out the expense for a new homeowner. Factors affecting the cost of a home warranty include:
Factors like the size of the home have no bearing on the cost of home warranty plans. In addition to premiums, there is a fee for a the home warranty inspections that customers must pay after filing a claim. This fee ranges from sixty to a hundred dollars per person that comes to the home to perform an inspection. The fee must be paid even if the inspector deems the problem unfixable by the home warranty company or if they state that the plan doesn’t cover the damage. The Best Home Warranty OptionsThere are several home warranty companies on the market. They all have different reputations and provide various advantages. Some of the most popular ones in the US include:
Different companies may be prevalent in other cities/towns, which can affect your options. Speak with your real estate agent to understand what’s preferred in your area and get feedback on what is popular amongst homeowners. Things to Consider When Reviewing Home Warranty Company OptionsIf you’re interested in purchasing a home warranty be sure to ask the following questions:
Pros of Having a Home Warranty PlanThere are a few advantages to purchasing a home warranty. A plan purchased when you first buy a new home can be beneficial because it can provide a buffer to fixing common problems that may arise, especially in that first year when you’re adjusting to new appliances and a new environment. If you’re not handy with using tools and performing repairs, a home warranty policy can also provide an avenue for quickly getting things done. In addition, this kind of coverage can help reduce the final cost of repairs. It is typical for a home seller to offer a one-year warranty to a homebuyer. It may provide some financial stress relief and security to avoid high-cost issues that may arise in the future. Cons to Home Warranty ProtectionWhile having a buffer for your new home purchase sounds like a great idea, there are several downfalls to a home warranty. First, most warranties are strict in what they cover. If a warranty doesn’t cover the problem that needs fixing or doesn’t cover the total cost, then you are also paying out of pocket for someone else to resolve the issue on top of the premium. Plus, you still pay inspection fees when you have to call a pro for a home visit to see if the issue is covered by the home warranty. This gray area can cause a lot of frustration and heartache for new homeowners who rely on the financial buffer. If the warranty covers what you need, the company will hire the local contractor you need. That sounds great in theory, but you, as the customer, have no say on who the contractor is. As we all know, all contractors are not created equally. In this case, you get stuck with what the warranty company gives you. You could also not have issues for several years after moving into your home. In that case, you are paying a premium with no benefit. This money could be better placed in an emergency fund account with high interest or invested in the stock market. This opportunity cost is something to calculate and consider before purchasing a home warranty. Home Warranties, in SummaryA home warranty may not be the best choice for everyone. It’s a personal decision that should hinge on the kind of home you are purchasing and your financial situation. If you are unsure if it’s the right choice for you, you can ask the seller of a house you are interested in buying to pay for a one-year warranty. In this scenario, you will be able to choose the home warranty company. This way, it’s not your financial burden, you get the advantage of a potential buffer if anything goes wrong with the house, and you can cancel once the year is up if you no longer want it. Final ThoughtsThere is no right or wrong answer to purchasing a home warranty. As a new homeowner, staying on a budget after such a big purchase and spending your money wisely is imperative. As with any other major decision, it is essential to be armed with the best information to make the most suitable decision for you and your family. This post originally appeared on Savoteur. Via https://mylifeiguess.com/home-warranty/
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For people new to investing, understanding how to invest in stocks can feel intimidating. Typical questions beginners may have are where to go and how much money to start. However, there is often more than just the mechanics of investing in stocks. Investors must also understand their financial goals before investing. The following is a beginner’s guide to stock market investing. This article covers everything from setting up an account to investing money in stocks. How Do You Open an Investment Account?The first step is to decide if you would like to manage your account–actively yourself or with a more hands-off approach and have someone else handle it. 1. Financial AdvisorFinancial Advisors are available at banks and other financial institutions to help manage everything for investors, from opening accounts to making stock picks based on the investor’s investment goals. Investors need to know about the costs of management and trading fees before considering that service. A low-cost option is with a Robo advisor. Robo advisors are popular because they are a fraction of the cost that human advisors charge. This approach is suitable for many. 2. Manage IndependentlyDo you enjoy researching? Do you have the time to commit to managing your account? Do you keep up-to-date with different companies and their operations? Do you like crunching numbers? These are just a few questions investors should ask themselves when deciding whether to self-manage or hire somebody. Investors that choose to invest independently can open a brokerage account online. This DIY approach is quick and the most cost-effective way to invest. Investors should do some initial legwork, such as evaluating the different brokers based on fees and investment selection. Some brokers also offer various research and educational tools to help make investment decisions. In addition, investors should ensure the online platforms are easy to navigate and look for any other additional features that can make a broker more attractive than the others. What Type of Investment Account?Investors can open a regular investment account, but the income would be taxable. A taxable income account is more suitable for people who already have a separate account for retirement savings. Investors looking for a retirement savings account can open either an Independent Savings account (IRA) or a 401(k) if they have a retirement plan through an employer. When investing for retirement, its imperative for investors to understand their financial goals and level of risk tolerance as it will influence the investment selection that is suitable for them. Also, investment accounts such as 401(k)s may have limits in terms of allowable investments. For example, the plan may not allow for individual stock investments as they tend to be volatile and riskier. Types of InvestmentsStocks are also known as equity investments. When purchasing an individual stock, the investor then owns shares of that company. The price of a stock can fluctuate throughout the day as shares are constantly bought and sold on the stock market. Many factors influence the stock price, such as industry news, news releases on earnings and profits of the company, new products that are selling well, product recalls, layoffs, and takeovers, just to name a few. With these price fluctuations, if investors have only a few individual stocks in a portfolio, this could cause quite a bit of volatility. Some investors may not have the risk tolerance for this and would benefit from some diversification. Investors who still want to invest in stocks may not realize that other investment vehicles are available that also contain stocks. They may be good options for investors with lower risk tolerance or just want a portfolio with more diversification. The following are some investment options to consider: 1. Mutual FundsMutual funds are professionally managed funds that use money from investors to purchase a large pool of investments like individual stocks, bonds, and money market instruments. However, it is possible to buy mutual funds that are equity funds, meaning they only invest in stocks. Equity funds allow investors to buy shares of several companies in one transaction. In addition, the equity funds can focus on particular businesses, such as sector-specific funds, funds based on the cap size of the company stocks, and index-specific funds. As mutual funds often contain shares of hundreds of different companies, they are less volatile than individual stocks. Another difference between stocks and mutual funds is that investors can only trade shares of mutual funds through a manager and only at the end of the trading day when they calculate the price or Net Asset Value. 2. Exchange Traded FundsExchange-traded funds, or ETFs, are investment funds that, similar to mutual funds, contain a large pool of investments such as stocks, bonds, commodities, and more, all in one fund and divide ownership of the securities into shares. There are different investment options with ETFs, such as index ETFs where the fund tracks a market index, equity ETFs, and sector and industry-specific ETFs, to name a few. The main difference between ETFs and mutual funds is that the shares can be bought and sold on a stock exchange at variable prices throughout the day. ETFs can be actively or passively managed. Many of them track the market index. Therefore they usually have lower management fees than mutual funds, which are mostly professionally managed. Another difference between ETFs and mutual funds is that they require a much lower minimum investment and are tax-efficient. 3. Index FundsThe purpose of an index fund is to track the performance of a specific market index. For example, the Standard & Poor’s 500 (S&P 500) or Dow Jones Industrial Average have funds that mimic their composition of companies. For example, the S&P 500 tracks the performance of the 500 largest companies in the U.S. Therefore, a fund tracking this index would own shares of the same 500 companies and experience fluctuations similar to the market index. Index funds are low-risk investments with low fees, minimal transactions, and passive management. All three investment vehicles, mutual funds, exchange-traded funds, and index funds, contain stocks but offer diversification and passive management for the investor. How Do You Choose the Investments?Even if an investor works with a financial advisor or another service, they will first ask about financial goals. Discussing financial goals will help determine the purpose for the investment, the timing of when the funds will be necessary, and the overall risk tolerance. GoalsGoals can range from retirement to kids’ education to money to start a business. In addition, people have various needs for saving money, influencing the investments investors should select. Time HorizonIf a financial goal is only a few years away, such as retirement, it isn’t a good time to invest heavily in stocks. Instead, investing in stocks is better for long-term investors who can withstand market fluctuations. Risk ToleranceAs mentioned above, fluctuations are an inherent part of the stock market. Therefore, for risk-averse investors, stocks may not be a suitable investment. Stock investments are more appropriate for investors with a longer time horizon, goals that are further in the future, and higher risk tolerance. How Much Money Do I Need?After considering any minimum investment amounts required and commissions and trading fees, how do you know how much to invest? The best way to figure this out is to create a budget. A budget will help investors set aside their fixed, variable and discretionary expenses and money for an emergency fund to see how much money they can put into savings. Some experts recommend that at least 10% of after-tax income should go towards investments. Investing the complete 10% in a stock or equity fund is acceptable. However, if investing in individual stocks, the investment should be smaller, with the rest going towards more conservative funds. Investors also can look into setting up automatic transfers into investment accounts regularly. What is a Good Investment Strategy to Follow?Some investors follow the value investing strategy like investment guru Warren Buffett. Buffett’s philosophy is to buy shares in great, undervalued businesses and hold on to the stocks’ long-term. Whether investing in individual stocks, mutual funds, or exchange-traded funds, the best strategy is to ride out fluctuations and hold for the long term. ConclusionOnce investors decide to manage their accounts or seek the help of an advisor, the path to how to invest in stocks is clear. Investment goals will help provide better direction to investors about the type of account, selection of investments, and amount of money they should invest. This post originally appeared on Hello Sensible. Via https://mylifeiguess.com/how-to-invest-in-stocks/ Going out to restaurants and eating fast food can be incredibly expensive. One of the most significant ways to stretch your budget is by making cheap meals at home. To save money on groceries, you need to get creative by cooking cheap recipes. People commonly associate eating on a budget with eating things like packaged ramen, canned chili, or pasta every night. Before you go out and buy enough ramen to last a month, there’s a better way to stretch your food budget. You can still enjoy fresh, flavorful, and delicious home-cooked meals without breaking the bank. Cheap Meals to MakeBelow you’ll find cheap breakfasts, lunches, and dinners. While these easy recipes might use inexpensive ingredients, you won’t feel like you’re sacrificing taste. There are some great family-friendly meals included too. Cheap BreakfastsShortcut Apple Fritter BreadWho doesn’t love a good shortcut? Especially when it involves making gooey and wonderful apple fritter bread. Many apple fritter bread recipes use 14 or more ingredients; this recipe only has five and is much easier to make. This recipe costs only $1.01 per serving and uses pre-made biscuits and apple pie filling. Get Recipe From Easy Budget Recipes Sausage Breakfast CasseroleThis filling casserole recipe is hearty and made with sausage, eggs, cheese, and a bottom layer of crescent dough. Not only will it keep you full for hours, but it’s also an easy dish to make to feed a big family and kids. Get Recipe From The Lazy Dish Peanut Butter Overnight OatsYou can’t find an easier breakfast with only five minutes of prep time to throw all the ingredients together. One commenter wisely pointed out that this recipe is inexpensive because, besides the almond milk, all the ingredients are non-perishable, so you can use them to make multiple batches. Get Recipe From Minimalist Baker Spinach, Egg, and Cheese BitesThese egg bites are loaded with protein and will give you the energy you need to start the day. Store them in the fridge and reheat them in the microwave when you need a quick breakfast. Get Recipe From Real Housemoms Cereal BarsReady in only ten minutes, these cereal bars are kid-friendly and delicious. Since you can use any cereal, this recipe is incredibly versatile. Changing the cereal will make it so you’ll never get bored of these bars. Get Recipe From I Heart Naptime Cheap Lunch RecipesWhite Bean SaladMade with simple ingredients you may already have in your pantry, this white bean salad is appetizing and healthy. Since it only takes ten minutes to make, it’s also an excellent lunch to prep ahead of time in a big batch, so you’ll have lunches all week long. Get Recipe From Simply Recipes Pizza Bagel BitesIf you have kids, finding a lunch they love that the adults find tasty too can sometimes be challenging. Kylie from Midwest Foodie mentioned a great tip: “Let your family make their own bagel bites! This is one of our family’s favorites because we can get each top of our bagel pizzas with whatever we want.” These pizza bites will win everyone over in your household, and you only need four ingredients to make this delicious lunch. Get Recipe From Midwest Foodie Tuna and Egg SaladCanned tuna is a cheap protein source and a wonderful pantry staple to stock up on when you see it on sale. Kim from Kim’s cravings highlights some other creative ways you can serve this classic salad besides using bread to make a sandwich. Serve the salad on cucumber slices, stuffed in an avocado, or as a lettuce wrap for a yummy keto or low-carb lunch idea. Get Recipe From Kim’s Cravings Pesto Pasta SaladPasta is another cheap grocery item to make sure you always have on hand. Pesto, pasta, cheese, fresh greens, and crunchy bell peppers complement each other perfectly; you’ll love every bite. This flavorful pesto salad is a great way to get your daily veggies. Get Recipe From Gimme Some Oven Ranch Chicken TendersChicken tenders baked to crisp golden perfection with buttermilk ranch flavors are ready in only 25 minutes. Whether you eat them hot or cold, they’re perfect for dipping in ranch or your favorite sauce. Enjoy these chicken tenders for both lunch and dinner. Get Recipe From The Frugal Girls Cheap Dinner IdeasCarne Asada TacosMarinated overnight and cooked on the grill, carne asada tacos have just the right smokey flavor. If you’re someone that does batch cooking, you can freeze the marinated meat, then defrost and throw it on the grill when you want a quick supper. Get Recipe From Good Cheap Eats Vegetable Stir FryMeat can be costly; that’s why having a night or two of meatless meals a week can save you money. Enjoy the stir-fry alone or with rice, noodles, ramen, or zoodles to make this meal even more filling. Get Recipe From The Recipe Critic Poor Man’s LasagnaCheaper than traditional lasagna, poor man’s lasagna is so easy to make you’ll want to make it over and over again. This recipe is a creative spin on lasagna, made with penne pasta, sauce, herbs, ground beef, and multiple types of cheese. Get Recipe From Fabulessly Frugal Slow Cooker Chicken Tortilla SoupIncorporating some homemade soup recipes into your meal rotation is a smart choice when living a frugal lifestyle. Making a double batch will last you multiple dinners, and you can even bring the leftovers for lunch. Costing only $1.63 per serving, this is one of the cheapest soup recipes out there. The secret to this cheap soup is that there is only a single chicken breast in the entire soup, but since it has beans, corn, tomatoes, onions, and other ingredients, you won’t even notice the small portion of chicken. Since chicken can be an expensive ingredient, limiting the amount is a genius idea. Get Recipe From Budget Bytes Sweet and Sour MeatballsMaking a recipe that requires buying ingredients, you don’t already have can be expensive. It’s best to find some recipes that use items you already have in your fridge or pantry, such as these meatballs. This recipe even gives you substitution ideas, so if you don’t have one ingredient, you can easily swap it out for something else you already have on hand. Get Recipe From Fun Cheap Or Free Cheap Meal TipsNow that you have some inexpensive recipes, here are some easy tips that’ll help you save even more money on meals. Always have a spare meal on hand in the freezer that you can make in a pinch. If you’ve had a long day and don’t feel like cooking, it’s tempting to order takeout. By having a freezer-friendly meal you can make with little effort, you’re less likely to spend money on eating out. Find some cheap snacks to enjoy between meals. Finding some snacks to buy that are inexpensive yet satisfying will help you eat less when dinner rolls around. Smaller portions of your meals can help stretch your budget and also mean more leftovers for the next day. Learn how to find inexpensive recipes easily. Many of the recipes on this list are from blogs specializing in cheap recipes. But besides the obvious of finding recipes on frugal living blogs, how else can you spot inexpensive recipes? Here are some tips for spotting budget-friendly recipes.
Don’t forget about simple ingredients. With hundreds of choices at the grocery store, it’s easy to forget about basic ingredients. However, opting for versatile ingredients you can use in multiple dishes is cost-effective. Here are some simple and cheap ingredients to stock your freezer, fridge, and pantry with:
Find recipes the entire family enjoys. While not always possible, cooking just one meal that everyone in the family loves is much cheaper than cooking separate meals. If you’re cooking a separate meal for the kids, that’s a lot of ingredients to buy, not to mention more work. Find some kid-friendly meals that the adults in your household will also enjoy. Final ThoughtsCutting down on food costs is an effective way to save money. However, eating cheap doesn’t mean you can’t enjoy meals you and your family love. These recipes have two things in common; affordability and flavorful Enjoy one of these amazingly cheap recipes this week. Now that you know how to find cheap recipes, you’ll never run out of ideas again. This post originally appeared on Hello Sensible. Via https://mylifeiguess.com/delicious-cheap-meals/ Traveling with family is never quite as idyllic as the pictures make it look. The reality of family travel can be pretty overwhelming and can convince even the most travel-loving parents to stay at home for the next decade of their lives. However, you can enjoy a trip with your entire family with meticulous planning and organization. Traveling with kids can be stressful. These expert parenting travel tips will guide you throughout your trip and ensure you have a smooth family travel experience. The Best Tips for Smooth Family TravelPack Light and SmartAlthough kids need a lot of stuff, the more items you bring, the more things you have to lug around. This means the more items you can potentially leave scattered around during your travels. Prepare for your trip by writing down precisely what you need and what items can do double duty so you aren’t packing extraneously. For example, instead of packing extra clothes for the kids pack easy-care items like leggings and t-shirts that they can wear in multiple situations. You may want to invest in some good travel products you don’t already own simply to cut down on the gear you need to bring. For example, a Doona Car Seat doubles as a car seat and a stroller, eliminating the need for two items. Baby gear like that may cost you money but will help you pack lighter and smarter. The Basics: Bathroom, Meals, and So onWhen traveling with kids, you’ll want to pay extra attention to basic needs. Make sure that your children have bathrooms and meals wherever you go. Consider bringing easy snacks and kid-friendly food as a backup whether you’re on a road trip or traveling through airports. Bring changes of clothing and plenty of diapers and wipes with you if you have young kids. Finding a bathroom when you first arrive at a new place and pointing it out to your children is a good idea. Be PreparedOver-prepared is the way to go. While smooth family travel is still an option with young kids, spontaneous family travel is less of an option. Be prepared for all situations. Pack extra clothes, diapers, wipes, and food. Know where you are going ad what you are doing. Be ready for the inevitable delays and lost baggage, which is part of travel today. Make sure to pack a carry-on bag with absolute necessities so they don’t get lost with your luggage. Reserve as many things as possible in advance so you are more assured of your travel situation. Prepay for any items and services you can, such as airplane seats together, a car seat for a rental car, etc. Arrive EarlyIf you are traveling by plane, give yourself plenty of time to arrive at the airport before your flight leaves. Check-in and security lines are longer than ever, and kids often move slowly and need to make bathroom stops at inopportune times. Arriving early will avoid a stressful airport experience by allowing yourself plenty of time for the unexpected. Pick The Right AttractionsIf you want a positive trip with your children, you must pick the right attractions. Even if an art museum is on your absolute must-see list, your children may not enjoy the same things as you. Plan your attractions around your children’s needs. That doesn’t mean you need to only pick kid-centric activities, but you should choose kid-friendly attractions and activities to keep all members of the family happy. Choose places to go that are kid-friendly with plenty of bathrooms and eating areas, and places where kids can play. If you must go to a non-child-friendly attraction, schedule it between kid-friendly activities and bring along entertainment, such as a tablet and headphones or a book, for antsy kids. Read The RatingsAlways do your research and read ratings before you plan a trip. Look out for reviews that specifically mention family travel or children. Remember that a 5-star rating from a childless traveler does not mean this is a good place for you to go with children. Check AheadAlways check what the current situation is ahead of time, preferably by calling all destinations. Many attractions and tourist areas’ websites are not up-to-date and may not have the current Covid protocols or rules listed. Make sure the places you want to visit are operating at the times you want to go. Use Apps for Smooth Family TravelApps are your friend! Use travel planning apps to keep your itineraries and information in one place. Download parking, airline, and rental car apps to make check-in easier. Use attraction apps to ensure you get the most out of your experience. The more work you can do on your phone, the less work you need to do while standing in line (and we all know how kids are when they have to stand in line)! Stick To Your Regular RoutineVacation and travel are a time to relax and enjoy. However, it is crucial to stick to your routine as much as possible when traveling with kids. That means trying to schedule meal times for when you usually eat at home and bedtime for around the same time you sleep at home. For example, if your child always eats lunch at noon, they will not be a happy camper when they have to wait until 2:00pm. However, if you absolutely cannot avoid it, be prepared for off-meal times with snacks. The same idea applies to bedtime. Although an early bedtime may not be the best way to spend an evening, it is better than the alternative! Avoiding Jet LagIf traveling to a different time zone, be prepared for terrible jet lag. Jet lag with children is the worst, but there are things you can do to prepare for it. First, drink lots of water and spend lots of time outdoors. This will allow your body to naturally adjust to the current time zone. Do your best to wake up in the morning and go to sleep at night, on the clock of the time zone you’re visiting. Finally, be prepared for little children to wake up in the middle of the night to play, with practical activities and ideas to pass the time quietly or help get them back to sleep. AccommodationsThe big hotel or Airbnb debate intensifies when you travel with children. Hotels offer a lot of amenities and are usually safer. However, a good Airbnb can be great when traveling with a whole family for more space. If you can find a child-friendly Airbnb with good ratings, that may be your best bet. Usually, Airbnbs have more room to run around and play, but they also have kitchens (great for preparing kid-friendly meals) and can be a better option for parents who put their kids to sleep early. As always, do your research before you choose your accommodations. Safety and SecurityWe all want to keep our children safe. Prep your children by going over basic safety information for traveling. All children should know their parents’ names and phone numbers by heart. Review with your children what to do if they get lost, where they should go, and whom they should approach. Be prepared with a basic first aid kit and information about your destination’s emergency services (especially if you travel out of the country). Always bring medications along with you and have your doctors’ phone numbers in your phone or written down. Of course, you should follow all travel safety rules as well. Keep your purse, ID, and money securely on your person. Never take an unmarked car or follow an unknown person anywhere. Be careful where you drink and with whom. Know the name of your hotel and the address of your Airbnb in case of emergency. Smooth Family TravelTraveling with kids is not for the faint of heart! But with good preparation and planning, you can have a great trip that everyone will fondly remember. This post originally appeared on Savoteur. Via https://mylifeiguess.com/tips-for-smooth-family-travel/ Stay-at-home jobs have become increasingly popular post-pandemic. Even though one could have performed the positions listed here at home before the pandemic, many have become more popular in recent years. Organizations have quickly pivoted to full-time remote work where you can stay at home to get the job done. Below is a list of jobs you can consider if you have the interest, skills, and qualifications to apply. AccountantOn the surface, accounting may seem like a straightforward job. However, as you dig in, you’ll find there are several different types of accounting jobs. Financial, management, tax, and cost-accounting are different versions of the accounting field. All are related to keeping financial accounts for a business or individual. According to a 2018 survey of CPA firms, 43% of firms now have employees that regularly work from home. As office positions move towards stay-at-home positions or a hybrid approach after the pandemic, this number is likely much higher. Office jobs, in general, are increasing in remote options. Accounting positions are jobs that can be done anywhere in the world if permitted by the company. An accountant’s average salary is $58,488, though this number can vary widely depending on an individual’s experience. Many accountants make six-figure salaries. ConsultantA consultant is another position that has many different variations. Generally, a consultant works directly with a business or organization to help improve performance. Most consultants move from project to project within the same company or with different companies. Examples of the more popular consulting companies include McKinsey & Co, Booze Allen Hamilton, and Deloitte. Many consultant positions require travel to learn about a company and build relationships with staff. However, you can do most of the work while staying home. The average salary for a business consultant is $75,356. The most experienced business consultants can make well into six figures, with good benefits. Project ManagerProject management is one of the more versatile jobs in the corporate environment. Almost every organization has projects of some sort, and having someone oversee the projects increases the likelihood of success. In addition, project managers ensure the timely completion of projects within budget and scope. Because project management is so versatile, there are plenty of opportunities to stay at home within many large organizations. A stay-at-home project manager’s ideal situation is to work with a remote team. Project management is all about communications and relationships with the team, which can be more complicated if the team is in the office and you work from home. The average salary for a project manager is $78,675. Project managers often require a Project Management Professional (PMP) certification to demonstrate expertise in the field. Customer Service RepresentativeCustomer service positions have become more common in remote environments. Companies are shedding expensive corporate offices and instead allow their customer service representatives to work from home. Customer service representatives generally use phone or instant messaging to communicate with customers, answer questions, resolve issues, or respond to complaints. This stay-at-home job typically does not require a college degree, making it one of the more appealing jobs for someone with high school education. Individuals who enjoy helping people and like interacting with customers will generally do well in this type of position. However, there is a risk of burnout in customer service representative positions that deal more with complaints and disgruntled customers. The average pay for a customer service representative is $15.18 per hour. Most customer service representative positions are paid by the hour instead of on salary, which can work in their favor if they work over 40 hours. In that case, the person would receive overtime pay. RecruiterRecruiters are responsible for helping organizations find the best talent for their open positions. Recruiters almost always work for a company, and the services provided to help a potential candidate are free. The organization with the open position typically pays a recruiter after filling a position. With the popularity of Zoom and other collaboration tools, recruiting can primarily be done from home. However, there is still value in meeting candidates face-to-face. For example, years ago, Aldi would meet candidates in coffee shops to conduct initial interviews before determining which candidates to send to a client. However, as people become more comfortable with improved technology in the collaboration tools space worldwide, it’s possible to conduct remote interviews. The average recruiter’s salary is $54,500, though there are a lot of variabilities depending on skills and experience. Recruiting is similar to other sales jobs where the top 10% earn most of the money in the field. This career path is all about developing and maintaining solid relationships with clients; a few excellent clients can allow a recruiting firm to establish a successful business. Software DeveloperThe role of a Software Developer is to write code for applications and other products based on a client’s or organization’s needs. A Software Developer can write code anywhere with a laptop and the right tools. More companies are moving to Agile software development practices, which require additional communication and collaboration compared to former methodologies. However, the bulk of the role of a software developer is still to put their head down and write code most of the day. A Software Developer is needed to build almost any website, video game, or application we use today. The average salary for a software developer is $127,228. However, suppose you don’t have a degree in software development and are looking to break into the field. In that case, plenty of boot camp-type options can teach a person how to write code in a relatively short period. Writing code takes a mix of hard work and natural talent; you’ll never know how easily you can pick it up until you try it. Data ScientistData Scientist is a relatively new job title for individuals who analyze large amounts of data. In the past, other job titles for Data Scientists have included Data Analysts or Statisticians. Data Scientists are similar to software developers in that they write code. The difference is that Software Developers generally build a product, while Data Scientists use tools to analyze large amounts of data to make business decisions. Data processing power is the lifeblood of Data Scientists. The evolution of technology makes it more feasible for a Data Scientist to stay at home and work. Years ago, this position would almost certainly have required the person to be on-site as that’s where they would find the best processing power to run queries on large amounts of data. The average salary for a Data Scientist is $141,305. This career typically requires a degree in computer science, economics, finance, or other field related to data science. In addition, the position requires the unique ability to write code, analyze information, and effectively communicate findings. Data analysis is becoming more popular, so this field will likely continue to grow in the next several years. EditorEditing positions come in many different variations. Prominent blogs require editors before publishing their content, corporations need editors before posting a news release, and publishers need editors to review their books. The role of the editor swings anywhere from proofreading information to writing articles or books before they are made available to the public. Editing is popular in the freelance world as it’s a side job many can do at any time, day or night. However, there are also many corporate editor positions available. To be an editor, all you need is a laptop and an internet connection, which makes this job very flexible. The average salary for a full-time editor is $54,487. Corporate editing positions typically require a degree in English or a communications-related field. Freelance editors’ jobs are based more so on reputation, so it may be an industry you can get into if you have a natural talent for editing but not the degree. BloggerBloggers can make money in various ways, including through ad revenue, affiliate marketing, sponsorships, or product sales. The majority of bloggers do not make any money. However, others are wildly successful, making hundreds of thousands of dollars per month. Blogging is another popular side hustle that anyone can do from anywhere in the world with a laptop and internet connection. To make money as a blogger, you need to develop a strong understanding of the fundamentals of blogging while building a network of other bloggers to help prop you up. Very few bloggers can go about it alone and become successful. Most need the help of others. According to Indeed, the average salary for a blogger is $15.60 per hour. Again, the blogging industry is very top-heavy, with the top 10% of bloggers making most of the money. Many people treat blogging as a hobby and are not trying to make money, but even those trying to make it a business can find it challenging to make a full-time salary from it. Blogging takes years to build up a site to the place where it creates revenue. However, it can be an extremely lucrative field for those able to break through. Virtual AssistantIf you’re someone that doesn’t need a full-time job but would like to make extra income, becoming a virtual assistant may be ideal for you. Virtual Assistants are usually contractors for small businesses that handle administrative duties. You can do almost any responsibility any time of the day, so there is flexibility in the hours you work. Virtual assistants usually do not require any special tools or licenses. Your employer will likely provide access to accounts. You should be in good shape if you have a laptop and a high-speed internet connection. Growing small business owners limited on time might want to consider hiring a Virtual Assistant to help with social media management, publishing content, scheduling appointments, data entry, or a variety of other tasks. Virtual assistants make an average hourly wage of $22.11. Since Virtual Assistants are usually contractor positions, you’d have to find other means for typical company benefits such as health insurance and 401k matching. However, the flexibility afforded by most Virtual Assistant positions makes it appealing to anyone looking to make extra money or have a flexible, part-time position. Summary of Popular Stay-at-Home JobsThe world is different today than it was even a decade ago. With improvements in technology, including better internet connections and collaboration tools, you can do many more jobs while staying home. In addition, the pandemic has accelerated the availability of these jobs as more employers have moved to virtual environments. If you are interested in working from home, you should consider one of the jobs listed in this article. While this article highlights some more popular stay-at-home jobs, dozens of others are out there. Your options are almost limitless if you have a laptop and good internet connection. This post originally appeared on Savoteur. Via https://mylifeiguess.com/popular-stay-at-home-jobs/ Are you looking to make extra money fast? Many of us could do with some extra money in our pocket these days, especially amid rising inflation and economic uncertainty. With some thought and creativity, you’ll find there are many ways to sell things to make money. Here are some places you can start:
We found 34 things to sell to make money. Start by decluttering your home and monetizing your stuff with a demand to extract its value. Although you can get rid of your things through traditional flea markets and garage/yard sales, there are many other options now. You can try selling to consignment stores, retailers, Amazon, Craigslist, eBay, Etsy, Facebook Marketplace, Shopify, and other websites. Let’s get started making extra money! Best Things To Sell To Make Money1. Sell Old or Unused ClothesThere’s a market for gently used clothes. Closets often hide old or hardly used clothes we no longer wear. According to Dr. Jennifer Baumgartner, most people wear 20% of their closet 80% of the time. With that metric in mind, you probably have many clothes in decent condition and may get up to 80% of their cost. You can sell clothes online to consignments, secondhand stores, or directly to consumers. Try these platforms:
2. Sell Shoes And SneakersLike clothes, you may have dozens of pairs of shoes you’ve never worn. Rather than feel guilty about being a shoe hoarder, sell off those unworn shoes and remove their boxes (they take up a lot of room!) A few places to sell used shoes include:
3. Sell Baby Gear And ClothesAnother way to make money is to sell baby gear you don’t need anymore. You could contact The Stroller Store to sell a used stroller. You may want to check out the Consumer Product Safety Commission. Have baby clothes that are either gently used or with tags that you would like to sell? Several sites can help you with these items:
4. Sell JewelrySelling jewelry is a different ballgame depending on the type of jewelry you wish to trade. If you are considering selling expensive jewelry, you should get an appraisal by contacting The American Society of Appraisers. They likely charge a hefty fee of up to $350 per hour, but it is worth knowing the value of the jewelry you are planning to sell. 5. Sell Luxury WatchesLuxury watches are in high demand if in good condition. In the US alone, there is around $100 billion worth of fine watches sitting around in people’s closets. Watches of two top brands, Patek Philippe and Rolex, regularly sell in the $5,000 to $10,000 range, but there are rare models that have sold for millions of dollars. Like jewelry, depending on the brand and condition of your watch, you may want to get an appraisal and contact places like Crown & Caliber that buy and resell luxury watches. 6. Sell Vintage PostersOriginal vintage posters advertising products and events like movies are in high demand in recent years as nostalgia collectibles. Whether you have an original vintage poster or a collection, you may be able to sell them at an auction or gallery. Some options include:
7. Sports Equipment And ClothesYou may have a house full of used sports equipment and clothes you want to sell online. You may be moving or wanting to upgrade your treadmill, elliptical, weights, stationary bikes, golf, baseball, or kids’ sports equipment like hockey sticks and ice skates, helmets, bats, and gloves. Several platforms buy and sell various sports equipment online, including:
8. KitchenwareMany things comprise kitchenware, including utensils, dishes, cookware, bakeware, kitchen gadgets, air fryers, instant pots, and crock pots. The estimated $60 billion global kitchenware industry likely grew faster due to people spending most of their time at home in 2020-2021. If you have pretty ceramic or vintage items, you may want to sell some of your kitchen things to the usual suspects, including Craigslist, eBay, and Etsy. Local restaurant equipment dealers may be on the lookout for kitchenware too. 9. Selling ElectronicsMarkets can sell spare, used, and unused electronics such as iPads, media players, laptops, printers, and cameras. You can trade in your electronics for cash, and these companies will refurbish and sell them as certified pre-owned devices. Before letting go of these household goods, visit the Consumer EPA’s Electronics Donation and Recycling page. You can contact several companies to sell your electronics, notably:
10. Sell Your Appliances And Furniture OnlineBesides electronics, you may want to sell your used appliances like your fridge or washing machine and furniture to a local dealer or online. Craigslist and eBay are good places to start. You’ll need to have photos and dimensions for potential buyers. For appliances, you can visit:
For used furniture, visit:
11. CollectiblesMany homes have collectibles ranging from coins, stamps, toy soldiers, empty perfume bottles, vintage board games, and dolls, which may be valuable. Look online for relevant sellers that can sell your collectibles at online retail stores like RubyLane or The Internet Antique Shop or go to specialty dealers like Catawiki (which sells toy soldiers). 12. Used BooksThere is always a market for used books, including physical books, digital books, and textbooks. There are three places to sell used books: Book Finder, BookScouter, and AbeBooks. 13. Sell Used CarsThe used car market has been booming since 2020, thanks to the pandemic and supply constraints, especially for chips needed for new cars. The average used car price in June 2021 jumped 32.7% compared to the year earlier. That price jump has caused many car owners to consider reselling. There are many ways to do this, depending on whether you want to go local or cast a wider net. Rather than the old-school option of a trade-in of your used car at your preferred car dealership or shopping your car around at used car lots, consider:
14. Video Games, Gaming Consoles, and AccessoriesYou may have a collection of used gaming consoles and accessories you were about to get rid of and then wondered if you could sell them. They may retain value, and you can contact Gadgetgone, Decluttr, and Swappa. Used and vintage games may be in demand. It’s worth checking out DKOldies or Ziffit. 15. Board GamesBoard games often bring endless hours of family fun over decades of playtime. Many families hold onto them for sentimental value, hoping they could play them again one day with the next generation. Your old games can fetch a price on the secondhand market though. Depending on the condition, sell your Legos at Brinklink or The Plastic Brick and vintage board games to BoardGameGeek or Noble Knight Games. 16. Sell ToolsIf you have a workshed, you probably accumulated a lot of tools, including power tools, leatherworking, and non-electric tools. You may have antique tools that collectors seek at flea or thrift markets. There is a demand for these devices, and you can start selling them individually or as a collection through a garage or tag sale. Try online places like RubyLane or SawMillCreek. 17. Sell Your Wedding Dress Or Formal DressesMany women keep their wedding or formal dresses in their closets, but they are valuable. A used gown in excellent condition, less than 2.5 years old, can sell for 50% of the retail price or higher if they are Vera Wang or Lhullier gowns. You can list your wedding dress on Nearly Newlywed or Stillwhite.com. You can sell them to consignment stores or The Dress List for formal dresses, including prom dresses and gowns. 18. DIY Arts & CraftsMany start out doing arts and crafts as a hobby, before eventually turning it into a business. The arts and crafts market is a large category, valued at $40.570 billion in 2020, and may include soap, candles, jewelry, textiles, wood, metals, clay, paper, canvas, plants, knitting, and other crafts. Handmade products make desirable gifts. In recent years, selling your crafts and unique goods to a seemingly boundless market has become much easier. These online marketplaces may charge listing, transaction, and payment processing fees, so you must check the details with each one. The best-known companies are:
19. Sell Greeting CardsCard making is a creative way to earn online and involves several techniques and products such as stamping, die-cutting, heat embossing, and scrapbooking. Sell your handmade greeting cards with that personal touch. You can sell cards to local businesses, craft fairs, or places like Artfire. Handmade cards remain popular and lucrative. 20. CalligraphyCalligraphy is the art of exquisite writing that induces meditation, heightened awareness, and soothes your body, mind, and soul. The upfront costs of starting calligraphy are minimal. You just need to use ink, and either a brush or a flexible metal pen. Calligraphers can monetize their skills by making business signage and selling framed inspirational quotes, books, table/escort, or wedding invitations. 21. Sell PrintablesPrintables are products that people digitally download and print on paper. These cover a wide range of content. Often they serve to enhance our productivity, as an educational resource, or for entertainment at parties. Printables include planners, journals, trackers, stickers, coloring pages, guest books, checklists, and wall art. You can sell them through online stores such as Shopify, Fiverr, Facebook Groups, Gumroad, or SendOwl. Printables are immediately delivered. 22. Sell Low-Content BooksLow or no-content books may represent similar items as printables but may include puzzle books, coloring books, and activity books for adults and kids. One of the main differences between printables and low-content books is that the latter are physical books typically made and sold on Amazon’s Kindle Direct Publishing (KDP) rather than a printable digital downgrade. Low-content books are print-on-demand books, so you don’t have to worry about inventories and shipping, which KDP handles. 23. Sell eBooksIn contrast to low-content books, authors may write, self-publish, and sell ebooks through various print-on-demand platform models. Books can be fiction or non-fiction and relate to various topics, such as recipes, gardening, memoirs, or how-to books. Popular platforms include:
24. Sell your Woodworking ItemsMany people enjoy working with their hands, especially with wood. They whittle figurines and make or refinish cabinets and other types of furniture. These can include carving, carpentry, and cabinet-making. Depending on your skills, you could build furniture pieces or finely crafted furniture as a one-of-a-kind beauty. You can command thousands of dollars for the works. Alternatively, you can flip furniture after refinishing them or sell vintage pieces to collectors. 25. Earn Money Through GamingDo you like gaming? Video game players can get paid to play games. In a December survey, 65% of US adults played on at least one platform. Many apps pay you to play games in cash, gift cards, loyalty points, etc. The most popular live streaming service is Twitch, getting 140 million unique visitors every month. They have 72% of the market for professional gamers. 26. Unused CouponsCoupons remain a top marketing tool, with 60% of online shoppers globally searching for coupons and discounts before they make their purchases. Sometimes people find themselves with unwanted coupons they’d like to trade in for cash. Rather than have the coupon go unused, you can visit the following sites that will help you get cash for your coupons:
27. Sell Unused Gift CardsDo you have some gift cards in a drawer? I do too. Sometimes you may get a gift card from a well-meaning friend who wants you to try out her favorite place that you have little interest in visiting. Legally, gift cards cannot expire less than five years from the activation date. Instead, sell your unused gift cards for up to 80% of their value on:
28. Sell Your Cooking and BakingCan you cook or bake with flair? People like hiring skilled personal chefs for special events or long-term culinary needs. If you are cooking meals for a particular person or family once in a while, it may be a less formal arrangement. Hourly rates are about $30-$40 per hour. You can make money selling cookies, cupcakes, pies, or cakes. If you are talented, you make exotic cakes for weddings and special events, selling them through social media like Instagram or your website. 29. Teaching or Tutoring OnlineDo you have a passion for teaching? Become a tutor online or in-person and share your knowledge as a freelancer. Select your hours and subject of expertise. It can be a seasonal or all-year-round gig. There are education requirements, with high school completion as the minimum. Typical hourly pay of $30 or higher will depend on the subject, with a more challenging curriculum like math getting higher demand and pay. Consider listing with The Tutoring Company, Tutor.com, or TutorMe. Language skills are in tremendous demand for teaching or tutoring in languages to children and adults. Knowledge of reading and writing in more than one language and a college diploma are a plus. If you possess these skills, these companies are looking for language expertise:
30. Get Paid For Your OpinionsYou can make cash, get gift cards and coupons, and earn redeemable points or rewards by answering surveys and participating in polls. It is easy to sign up and contribute your opinions on market research, on brands, and watch movie trailers in your free time. It is easy to participate, earn money (it won’t be significant), and learn something new. Here are the more established names:
31. Get Paid By Participating In Focus GroupsBesides answering surveys, market researchers rely on consumers to participate in focus groups to retrieve invaluable opinions on products by phone, zoom, or in small groups. Compensation is by the hour or research session. Some focus groups include User Interviews, FocusGroup.com, and Probe Market Research. 32. Sell Your PhotographsAre you skilled at photography? Whether you enjoy exploring portraits, family photography, travel, sports, nature, stock photographs, or candid photography, you can sell your photography skills. Sell your photos online or to respective companies that specialize in your area of expertise. Consider listing on Fine Art America or stock photo sites like Getty Images or Shutterstock. 33. Become A Virtual AssistantA virtual assistant (VA) typically works remotely, assisting business owners with various skill sets. They provide general administrative support by performing varying tasks: writing, advertising, email management, content creation, bookkeeping, scheduling, graphic design, social media management, copyrighting, and e-commerce. You can list your skills on these platforms:
34. Selling Professional Freelances Services OnlineFreelancers are similar to VAs but work as independent contractors, typically on a short-term project and on their time. They may work for multiple clients and specialize in digital skills like writing, graphic design, bookkeeping, email, social media marketing, web development, videos, animation, copywriting, SEO, and digital marketing. Here are some platforms to sell your professional services and bid for jobs: Fiverr, Upwork, and 99 Designs. Final ThoughtsWe found various ways to sell things for money, whether you are discarding unwanted things, creating products, or going online. When you earn extra money, put it towards paying off your credit card debt, set aside something special like a vacation, or toward investments for your future. You’ll be ahead of the game no matter how you use the extra cash. This article originally appeared on Wealth of Geeks. Via https://mylifeiguess.com/best-things-to-sell-to-make-money/ If there is one financial lesson I learned from the pandemic, it has to be the importance of diversifying my income. So many lost their steady 9 to 5 full-time jobs with no other income streams. What better way to diversify your income than having a side hustle? There are many side hustles that pay well. They are an easy way to bring extra cash each month and a lifeline when your primary source of income is in jeopardy. Who knows – maybe you will eventually be able to turn it into your full-time career! Check out our list of 40 side hustles that pay well. We have hustles for everyone, no matter your interests and skillset. What is a Side Hustle?A side hustle is a way to make money outside your full-time job. It’s a great way to diversify your income, pay off a student loan debt, and can even become a full-time business if it’s something you’re passionate about. There are endless possibilities with side hustles – online and in person. You can offer services using your skills, create digital products to earn passive income, get paid to use your phone for fast cash, or even rent out your belongings. The best side hustles make you money without requiring too much time or effort. They’re also typically something you’re passionate about, so it doesn’t feel like work. Type of Side HustlesWe broke this list into a few main categories. Glance at the sections below and head straight to the one that speaks to you most:
Offering ServicesOffering services to others is one of the most common ways to make money through a side job. There are many ways you can help others to solve problems using the in-demand skills you already have. You will be surprised what people are willing to pay for some help. Here are some ideas: 1. BabysittingParents often struggle to find a good babysitter, especially for those special no-kids occasions, they are willing to pay. If you like kids and have the time, offer to babysit your friends and family. You can build your reputation and gain more clients through word of mouth. 2. TutoringTutoring can be a lucrative side hustle that pays well. You can offer private tutoring services in math, physics, writing, etc. You can even teach English online to kids from foreign countries. I tutored calculus through university, which was one of my best side jobs at the time. The more niche a subject you teach, the more you can charge. 3. Dog WalkingIf you love dogs and don’t mind getting some exercise, offering a dog walking service might be your side hustle. Many dog owners are looking for someone to take their dogs on a walk while they’re at work or busy with other things. You can use an app like Rover to connect with dog owners in your area. 4. Pet SittingPet sitting is similar to dog walking, but you take care of the pet in their home. A good option if you don’t want the responsibility of walking a dog but still want to help out and earn extra money. 5. Ridesharing ServiceRidesharing services like Uber and Lyft are becoming increasingly popular. You can sign up to be a driver if you have a car and some free time. You can set your own hours and drive when it’s convenient. With a clean driving record and a late-model car, you can start earning money immediately. 6. Deliver FoodFood delivery is another great option as a side hustle if you have a car. You can sign up to be a driver for UberEats, Postmates, or DoorDash. Similar to ridesharing service, you can set your hours when it’s convenient for you. 7. Grocery Shop for OthersIf you don’t mind doing a little extra work, you can sign up to be a grocery shopper for Instacart. Instacart is a service that delivers groceries to people’s homes. You will need to shop for the groceries and then drop them at the customer’s home. You can choose to do this on your own or with a friend. 8. Being a Freelance WriterYou can provide freelance writing services if you have a way with words. Some businesses and individuals are looking for someone to write content for their websites or blog. You can sign up for a platform like Fiverr or Upwork to start finding writing gigs. You may not get paid well at the start, but once you build up the customer base and experience, you can charge more. 9. TranscriptionistTranscription jobs are great for those who prefer to work alone and can type efficiently. The faster (and more accurate) you type, the more money you can make. The work involves transcribing audio files into text documents. Often this can be general work for podcasts, web conferences, online lectures, etc., or it can be more technical like legal or medical transcription. The more niche your topic area (such as legal or medical), the more you get paid. 10. Proofreading and EditingIf you have a keen eye for detail and know your grammar (or use Grammarly Pro), you can offer your service as a proofreader or editor. Many businesses and individuals need someone to proofread and edit their content before publishing it. Proofreading is finding errors in grammar, punctuation, and spelling. Editing is making sure the content is clear and concise. Offering both services as a package is much more marketable, and you get paid more. 11. Landscaping and Lawn CareEnjoy working in the garden and getting some exercise? You can offer your services as a landscaper or lawn carer. Many people don’t have the time or ability to care for their yards. You can start by doing small jobs for neighbors and then build up to more prominent clients. 12. Website Designing and BuildingIf you have a niche skill in building and designing websites, you can get paid well as a side hustle. Many businesses and individuals need someone to build them a website or help them design one. You can also build a website, generate traffic, and sell it for $500-$1000+. 13. Computer Fix and Clean-upsOur lives depend so much on computers these days. When something is not working correctly with the computer, it can be a pain in the backside. If you’re a tech whizz, you can get paid well to solve people’s urgent computer issues. For computer fix and clean-up services, you can charge anywhere between $45-$100 per hour, depending on the problem. 14. Website and App TestingYou can get paid to test websites and give feedback on your user experience. Many companies are looking for website testers. You can sign up for a platform like UserTesting to start finding testing gigs. Some testing may only require a survey as feedback. For others, you may need to record audio or video feedback. Depending on how complex the testing is, you can get paid between $20-100 per hour. 15. Being an Amazon Flex DriverFood Delivery is not the only way to earn extra money if you have a car and enjoy driving around the town. You can sign up to be an Amazon Flex driver. Amazon Flex is a service that delivers packages for Amazon. You will need to pick up the boxes from an Amazon warehouse and deliver them to the customer’s address. The pay is around $18-$25 per hour. 16. Offering Consultancy or Coaching ServicesHave a lot of experience or expertise in a particular field? You can offer your services as a consultant or coach. This is a straightforward side hustle that pays well as you utilize your skill while helping others achieve their goals. Some businesses and individuals are looking for consultants to help them with their business. You can also offer your services as a life coach or career coach. The average hourly rate for consultants is $100, but it can vary depending on the industry. 17. Being a BookkeeperBookkeeping is the process of recording, categorizing, and tracking financial transactions. Many businesses need someone to take care of their books and are willing to pay good money for it. The average hourly rate for bookkeepers is $30, but it can range from $20-$60 depending on the complexity of the work. 18. Being a Freelance Project ManagerAs a freelance project manager, you will be responsible for overseeing and coordinating the work of a team of developers, designers, or other workers. You will need to track the project’s progress and ensure it is completed on time and within budget. That can be a good side hustle if you are well organized and have good communication skills. Passive IncomePassive income is a sort of income stream that usually requires upfront work, but one in which you are not actively involved at the time of earning. Making it a perfect side hustle for someone who has a full-time job. Many traditional passive income ideas exist, such as investing in rental properties. However, many modern ways exist to make passive income online. 1. Invest in Real EstateOne of the most popular ways to make passive income is by investing in real estate. You can buy and rent a property or invest in a Real Estate Investment Trust (REIT). This type of passive income is not for everyone, as it requires a substantial upfront investment, and the risk is high. It may also be a long-term investment to realize a return. 2. Selling Digital ProductsAnother great way to make money online is by selling digital products. Consider items like an eBook, app, course, or anything else that can be downloaded or accessed online. The best thing about selling digital products is that once you have created the product, there are very few costs associated with selling it. You can also sell an unlimited number of products, which means excellent earning potential. Creating and selling printables on Etsy is one of the easiest ways to start selling online passive income through digital products. In this printable course review, I shared how this epic course helped me start selling online on Etsy. 3. Start a Niche BlogMake money blogging is another flexible side hustle you have probably come across. The online world got more competitive over recent years, and starting a niche blog can fast-track your success. Creating a niche site differs from traditional blogging because it entails reverse-engineering what people are looking for online and producing content to meet that need. You can monetize the traffic that you attract from your niche blog. The advantage of starting a niche site is that the investment is meager, and you don’t need any previous experience or degree to do it. Also, it doesn’t matter where you live – anyone can blog remotely on a computer or phone. Learn more about how I make money from my blog and my “secret” for growth. 4. Blog FlippingIf you have thought about buying and selling websites, blog flipping could be your side hustle. Blog flipping is buying an existing blog, improving it, and then selling it for a profit. To be successful at blog flipping, you need to understand how to identify a good blog and make the necessary improvements to increase the blog’s value. You also need to market the blog effectively to find a buyer willing to pay you a reasonable price for it. 5. Affiliate MarketingRemember the last time you clicked a link to an online shop after watching a Youtube video? That was affiliate marketing working its magic on you. Affiliate marketing is a way of making a commission on other companies’ products and services on your platforms. It can be done through a blog, Instagram, YouTube channel, etc. The income is passive as you create the content once, and the sales will continue to come in as long as you continue getting traffic. The key is to get traffic to your platform. If you already have a big following on one of the social media platforms, working with companies to become an affiliate is a great side hustle that pays well. Learn how to make affiliate income with gift guides. Renting OutAnother passive way of making money is by renting out your assets. Whether it is an extra room, car, or camping gear, you will be surprised what you can earn from things you already own. Websites and apps can help you market items and connect with renters. 1. Rent Out Your CarIf you have a car sitting on your driveway, you can make money renting out your car. You can list your vehicle with rental services like Turo, TravelCar, and HyreCar. Renters are responsible for paying insurance in case of damages. How much you make depends on your car type and the services you list. On average, you will be making $30-$40 daily. 2. Renting Out Your RoomDo you have an extra room in your house that you don’t use? You can make money renting out your room. Rental prices depend on the location, room type, and amenities you offer. On average, you can earn $50-$100 per night. If you plan to rent out your room on a short-term basis, you can list it on Airbnb. For long-term rentals, you can try websites like Roomster and Roommates. 3. Rent Out the Driveway or Parking SpaceIf sharing your living space is too far out of your comfort zone, you can rent your driveway or parking space instead—a great way to make some extra cash, especially if you live in a busy city. There are plenty of apps that can help you find people who are looking for a parking space. You can start by listing on JustPark and Stashbee. 4. Rent Out Your AssetsSimilar to renting out your car and room, if you have any assets that you don’t often use, such as camping gear, sports equipment, musical instruments, etc., you can make money renting them out too. Rentah, Fat Llama, and Loanables are good sites for general items. Neighbor is great for renting out storage space in your garage or shed; RVshare for your RV; and FETCH is for listing your truck or cargo van. ResellingOne person’s trash is another one’s treasure. If you have any unused items, you can resell them and make some extra money. You can even make some serious cash selling high-demand vintage items. 1. Selling Unused Clothes and ShoesWe all have clothes and shoes that we don’t use anymore. Instead of letting them sit in our closet, you can sell them and make some extra cash. There are many platforms where you can sell your clothes and shoes, such as eBay, Depop, and Vinted. 2. Selling Old DVDs, CDs, Books, and Electronic DevicesDo you have old DVDs, CDs, books, and electronic devices that are gathering dust in the garage? You can sell them for extra cash too. There are apps like MusicMagpie, Ziffit, and Webuybooks that will buy them from you. Don’t expect to make a fortune from selling. These apps make selling super easy, and shipping is free. 3. Selling Vintage Items and CollectiblesIf you have any vintage items or collectibles, you can make some good money selling them—a serious side hustle for many resellers. As we become more environmentally conscious, people are much more open to second-hand products like clothes, fashion accessories, furniture, etc. As a reseller, you need to decide the niche that you choose to resell. It’s also essential to research what items sell well within the niche. Finally, determine which platforms can help you market and resell the items. Social MediaAs social media becomes increasingly popular, there are plenty of side hustle opportunities. This could be a great side hustle if you’re active and knowledgeable on social media. 1. Start a YouTube ChannelYoutube is a great platform to share your knowledge and connect with people from all over the world. You can start a YouTube channel to show how-to videos, product reviews, or simply vlogs about your life. If you can build a large following, you can make money from YouTube through Ad placements, affiliate marketing, merchandise, and sponsorship. According to MintLife, an average YouTuber with 100K subscribers makes between $28,800-$48,000 a year. The highest-earning YouTuber MrBeast is earning a whopping $54 million a year. 2. TiktokYou can make money with TikTok by getting partnerships or being sponsored. Although possible, it’s highly competitive and can take a long time to build enough presence to attract partnerships or sponsorship. You will need to be creative, distinctive, entertaining, and personable and find that golden content that leads to success. 3. Being a Social Media ManagerIf social media is your thing and you have a knack for engaging with people, becoming a social media manager can be a great gig. As a social media manager, your job is to help businesses manage social media accounts and presence. Including tasks such as creating and scheduling posts, responding to comments and messages, conducting social media marketing research, and more. To become a social media manager, you will need strong writing and communication skills and a deep understanding of social media platforms. 4. InstagramOne way to make money through Instagram marketing is by partnering with brands. You will need to create a strong Instagram profile and start publishing high-quality content to get started. You will also need to build a following and engage with your audience. You can reach out to brands they love and see if they’re interested in working together. 5. Being a Podcast AssistantThere are over 500,000 active podcasts and 177 million podcast listeners in the US. With the growth in popularity, podcasting is a field with many job opportunities. The best part is that you don’t need to own a podcast to take advantage of it. You can offer many services as a podcast assistant, such as show notes writing, editing, producing, pitching, guest management, etc. As this is a niched side hustle that will require specific skills, it’s always worth taking a reputable course. Check out my interview with Sharon Schuler on how this Podcast Production School side hustle course helped her become a fully booked Podcast producer. Get Paid to Use Your PhoneNot everyone has the time to invest in a long-term side hustle. There are plenty of opportunities to earn extra cash simply by using your smartphone. I got you here if you just want to make some fast cash. 1. Receipt ScanningReceipt scanning apps are one of the easiest ways to make fast cash. Snap photos of your shopping receipts, and earn points that turn in the Paypal cash. You can also use multiple apps to maximize your earnings. CoinOut, Fetch Rewards, and Paribus are a few popular receipt scanning apps for US users. Huyu, Shoppix, and ZipZero are amongst the best receipt scanning apps in the UK. 2. Video SurveysYou have probably heard about getting paid to do surveys. I have tried many of these over the years, but 80% of them don’t pay very well. That’s why I love video survey apps instead. You simply record your answer in a short 15-30 second video and get paid well for your opinion. Perfect for someone who is on the go. Influencer by Voxpopme is one of my favorite video survey apps. The questions are fun to respond to, and there are plenty of them. 3. Game AppsEnjoy playing games on your phone. Why not get paid for it? You can earn cash from many game apps, both for iPhone and Android. All you need to do is download and play. You earn points from completing challenges and tasks—exchange points for Paypal cash, Amazon gift card, etc. Here are 30 game apps that pay instantly to Paypal. 4. Health and FitnessDo you know you can get paid to do exercise? Win-win! You can collect points by walking with Sweatcoin. One thousand steps are worth 0.95 Sweatcoins. You can exchange coins for various rewards, from PayPal Cash to sportswear. HealthyWage app pays you to lose weight. It offers cash prices for achieving specific milestones, from losing weight to maintaining your goal weight. All you need to do is download the apps and get paid while being on a healthy lifestyle. 5. Watch VideosYou can also earn money from watching videos. These apps pay you to watch videos on various topics, from news, celebrity gossip, weather, etc. App Trailers, InboxDollars, and Slidejoy are a few popular ones. Things to Consider When Choosing a Side Hustle:What is your passion/interests?When choosing a side hustle, it’s essential to consider what you’re passionate about. That way, you’ll be more likely to stick with it even when things get tough. There are many different side hustles to choose from, so it’s important to do your research and find one that fits your interests and lifestyle. If you can make it a fun side hustle, you will naturally give it more time. What are your skills?It’s also important to consider your skills when choosing a side hustle. Do you have any unique talents or abilities that you could use to make extra money? If so, there may be a side hustle that’s perfect for you. There are endless possibilities when choosing a side hustle, so consider your skillset before making a decision. For example, you could start a bookkeeping business if you’re a whiz with numbers. Or, if you’re great at writing, you could create a freelance writing business. How much time do you have?Another essential factor to consider is how much time you have to dedicate to your side hustle. If you only have a few hours a week to spare, you’ll need to choose a side hustle that doesn’t require a lot of time commitment. How much are you willing to invest?Starting a side hustle is a great way to make extra money, but it can require some investment in your business if you want to see success. There are many ways to invest in your side hustle. The best option depends on your business. Some of the most common investments include advertising, training courses, or investing in a quality website. It’s essential to set a budget for what you are willing to spend and keep track of your income and costs – at the end of the day, this is about making money. How do I start a side hustle?There are many different ways to start a side hustle, so here are a few steps on how to get started:
Frequent Asked Questions:Which side hustles pay the most?When it comes to side hustles, there are a lot to choose from, but a few stand out if you’re looking for high-paying side gigs. First is choosing a side hustle that you can grow into your own full-time business. You can start many different businesses, and the amount you earn will depend on the type of business you choose. Another option is to offer freelance services. That can be anything from design work to writing or even tutoring. The amount you earn will depend on the services you provide and the clients you work with. One final option is to start a blog. You can monetize your blog through affiliate marketing, sponsorships, or even selling products. The amount you earn will depend on the traffic you get and the monetization methods you use. No matter what side hustle you choose, make sure to do your research and find one that fits your needs and skills. You can find a great side hustle that pays well with a little effort! How can I make an extra $2000 a month?Making $2000 a month from side hustles is possible, but it can be difficult. Therefore to give yourself the best chance of doing this, consider combining several hustles. Not only will this increase your revenue, but it will give you valuable insights and experience into what hustles work the best for you—allowing you to tailor your active side hustles to suit your lifestyle, passions, interests, and schedule. What side hustles can I start with no money?Lots. As you read through the list above, I hope you were saying to yourself that I could do that. If the hustle relies on your knowledge, time, and skills, then often, there will be no upfront cost to you. Final ThoughtsSo, we’ve got you covered whether you’re looking for a side hustle to make some extra cash or want to find a way to turn your passion into a profitable venture. With this list of 40 easy side hustles that pay well, there’s something for everyone. Do your research and find one that fits your needs and skills. You can find a great side hustle that pays well with a little effort! This article originally appeared on Wealth of Geeks. Via https://mylifeiguess.com/side-hustles-that-pay-well/ Imagine this: You’re interviewing for a new job. You’re doing great. You answered every question confidently, and it’s clear that you are impressing your interviewers. Then, the single most crucial question gets asked, and how you answer this one question can make or break the entire interview. Answer it well, and you’ve got the job. Stumble over your words or freeze, and your job search will continue. As a hiring manager for more than 10 years, I can tell you that sometimes, interviews come down to just a single question. Your answer to this question is what your interviewers will remember long after the interview. And guess what? It’s not a trick question. In fact, it’s so essential that too many candidates have a tough time answering it. How to Answer the Most Important Question in an InterviewWhat is the most important question you’ll get in an interview? Simple: “What makes you the best candidate for the job?” You may hear it slightly differently. For instance, “Why should we hire you?” and “Why do you deserve this job?” are common forms of asking the same fundamental question. This is your time to shine because too many candidates freeze. Like a punch in the face, they weren’t expecting a point-blank question like this. Expect it. It gives each job candidate a chance to pull together all their education, experience and skills into a neat little package. If delivered well, they will have no choice but to hire you. Here’s how to answer this critical question. Understand the job roleJust as you would tailor your resume for a specific job, tailor your answer to this question based on particular experiences and skills the employer needs. For instance, focus on your skills that match the job description. If the job requires a certification (that you have), tailor your answer so it hits on that certification. Mention the exact skills you bring to the table that the employer is looking for. After all, that makes you the best candidate for the job. Discuss related accomplishmentsDig around in your past to pick out specific experiences and accomplishments that taught you the skills needed for this job. If you’re interviewing for a sales position, talk briefly about that time you broke the sales record at your previous employer. Or, maybe you are interviewing for a software development position? Point out how experienced you are with the exact coding resources and development environments this employer uses. Be specific. Don’t forget about personalityYour answer to this question does not need to be purely technical or business. Let your personal traits shine. For instance, your acute attention to detail could make you suitable for a management position. And your ability to confidently speak in public makes you the perfect candidate for a public-facing position that requires giving presentations or talks. Your personality counts! Confidence is KeyConfident answers will impress your interviewers, and there is no better way to do this than by practicing your answer to this question. Recite your response in front of a mirror. Or, ask a trusted friend or family member to listen to your answer. There is no downside to rehearsing your response to this question because even if your interviewers don’t ask this question, feel free to give your answer anyway at the end of the interview. 3 Example AnswersHere are a few examples of good answers to this critical question. Example #1:I am confident that my 10-years of experience using Microsoft’s Visual Studio software development environment will help me hit the ground running in this new position. As I mentioned, I managed a six-person development team at my previous employer. I’ve seen all the problems, and working through these challenges daily as the team leader makes me a great and well-rounded candidate for this role. Example #2:My childhood was less than stable, and I had to grow up fast. Those struggles made me a flexible and patient person, which is critical for this role as a manager. My childhood taught me the value of honesty and hard work, and I always bring both of those qualities to work with me every day. I am ready to accept the responsibilities of this job and do whatever I can to make this company prosper in the future. Example #3:In my last role, I managed to out-sell all of my coworkers and bring the company more than $10 million in additional revenue. Coupled with my communications degree from Princeton University, my previous experience and qualifications have prepared me to fully excel in this role. In fact, I expect that I will be one of your top salespeople within three months. Practice Makes PerfectIn conclusion, I cannot stress enough how important it is to practice your answer to this question. Rehearsed answers are delivered confidently and smoothly. It clearly shows when you have spent time with this question, and your interviewers will appreciate it. More Job Interview Articles
This article was produced and syndicated by Wealth of Geeks. Via https://mylifeiguess.com/what-makes-you-the-best-candidate-for-the-job/ Are you being underpaid and want to make more money? The quickest way to a better salary is to ask for a raise. But asking for a pay increase involves way more than just a question. You’ll need to show your boss your worth to the company and how they would benefit from giving you a raise. Want to know how to ask for a raise the right way that’ll lead to an increase in salary? The ultimate guide below will help you get that bigger salary you deserve. This guide will cover:
How to Ask for a RaisePrepare Ahead of TimePrepping beforehand will go a long way in getting a salary increase. While this shouldn’t be too complicated of a process, there are some specific things you’ll want to do before asking for a raise. Brainstorm Your Value and AccomplishmentsFirst, make a list of the top ways in which you bring value to the company and your most significant accomplishments. Think of concrete examples showcasing your skills and talent and how the company has benefitted from your employment. Mentioning statistics is also a smart idea. For example, “Sales have increased 15% after starting my role as a department manager” is better than saying, “Sales have been higher since becoming a department manager.” Also, list any certifications, training, or degrees you’ve obtained since getting hired or your last performance review. Finally, highlight any specialized skills you have. If your expertise is a rarity in the field, that’s worth noting too. Take Inventory of Your Job DutiesLook at what job duties were listed for your role when you first started working. Has your company added more responsibilities but not increased your pay? Don’t forget to mention if your job responsibilities have increased. Researching Pay ScaleA pivotal element to landing a pay raise is knowing the pay scale of your current job. You must know your worth to prevent getting underpaid. Imagine how awkward it would be if the top of the salary range for your job is a $30 hourly wage, and you ask for a $50 hourly wage. To prevent this, make sure you don’t have unrealistic salary expectations and conduct research before your meeting. Here are some resources when researching pay that’ll provide you with salary data.
Depending on your company’s transparency regarding pay structure, some companies make salary information available to their employees. Another good tip is to look at job postings for open positions in your role on the company website or job search websites and check if the salaries are listed there. When researching, keep in mind that salary amounts can vary based on:
Raise AmountNow that you’ve completed your salary research, it’s time to determine how much money you would like to make. A good starting point is asking for a 10% increase from your current salary. Of course, you may not get the same salary increase you request, but even a 5% raise would be significant. Utilize your salary research as well because that will give you a clearer idea of how much of a raise to request. Mock ConversationWhile this may not be necessary for everyone, having a mock conversation will make you more prepared and ease your nerves. Go over what you plan to say to your boss with someone else or out loud to yourself. It’s best not to memorize everything you’re going to say but go over some key talking points; this way, you’ll sound more natural. When to Ask For a RaiseTiming is everything when seeking a pay raise. Here are a few things to consider.
How to Ask Your Boss for a RaiseNow that you’ve done your research and practiced what you’re going to say, it’s time to sit down with your boss. Asking for a raise might sound anxiety-inducing, but following the formula below will ease your stress. Pre-ConversationEnsure you have adequate time to speak to your boss to avoid a rushed conversation. If possible, set up a time to talk with your boss. Raise PitchAsking your boss for a raise is like a sales pitch. However, instead of pitching a product, you are pitching yourself and what you bring to the company. Just like a sales pitch, you will want to go over all the benefits you bring to the table. Below is a winning pitch to get the raise you want. Your pitch should include the following:
Opening Thank your boss and let them know you appreciate them meeting with you. Tell them you have enjoyed working for the company and see a future there. Be sure to show some enthusiasm and appear personable. Middle Here is where all the research you completed will pay off. Be confident mentioning all your accomplishments and how being an employee benefits the company. Don’t forget to sell yourself and showcase how you go above and beyond daily. Mention the points you brainstormed during your research session. Closing Like any good pitch, it’s time to close the sale. Ask your boss for a raise and participate in salary negotiations if applicable. Salary Negotiation TacticsRemember that salary research you did before? Your preparation will come in handy if you end up negotiating your salary. Wage negotiations may initially sound intimidating, but these tips will help you become a master negotiator. Know your salary requirements beforehand. You could also negotiate for stock options, more vacation time, or other work perks. It doesn’t necessarily have to be a salary increase. When asking for a salary raise, don’t ask for a specific number. Instead, let your boss or human resources give you an amount first. The reasoning behind this negotiation strategy is that your boss may offer you a higher salary than you were going to ask for initially. If the amount they give you is a good pay bump, then no need to continue negotiating. However, ask for more money if the salary offer is lower than what you wanted. When asking for more money, repeat one immediate benefit the company would receive from giving you this raise. Your boss may give you a counteroffer to the amount you ask for, or they may agree to the salary amount you gave them. Both outcomes would be ideal because it would mean a salary increase. Another outcome is that they don’t budge from their original salary offer; in that case, it’s best to take it. Even a lower pay increase than you expected is better than no increase. By the way, all of these tips also apply to negotiating a job offer. What Not to Say When Asking for a RaiseWe’ve talked a lot about what to say when asking for a raise; now, let’s go over some things you shouldn’t say. Giving an ultimatum of quitting. Telling the company you will quit if you don’t get a raise will lower your chances of them saying yes. If you end up saying this and don’t intend to quit, they may call your bluff and terminate you. It’s best to keep the conversation positive and not put your current employer on the spot. Being polite and not pushy will get you closer to a salary increase. Saying you deserve a raise but not explaining why. You may deserve a raise, but if you don’t give your employer justification for a raise, this could cost you a pay increase. Tell them what you have contributed to the company with examples. Stating you want a raise due to financial hardships. It might be tempting to tell your boss that you’re financially struggling and want a raise. That may be the case, as many people currently struggle financially due to rising inflation and higher prices. Instead, focus on what you bring to the company and leave any personal reasons out of the conversation. Talking bad about a coworker to make yourself look better. Throwing your coworkers under the bus to receive increased compensation is not a great approach. Talking poorly about a colleague will only make you look bad, not the other way around. Things to Consider After Asking For a RaiseAfter speaking to your boss, keep these things below in mind. Be Prepared to Hear No One possibility is your boss will say no to giving you an increased salary. While this may not be the outcome you want, you still may receive a raise in the future. It may even lead to a discussion with your employer about what you can do to increase your chances of getting promotions and raises. Ask your boss if they can provide feedback about your current job performance and if there’s anything you can do better. They may have said no because you’re already at the salary maximum for your job. If that’s the case, inquire about a new position within the company. If you feel there is no growth potential within the company or don’t receive a fair salary, looking for a new job might be the best option. Be Ready to Wait Sometimes you may not get an instant answer, and your boss may need to check with human resources first. ConclusionFollowing these tips and negotiation strategies will increase your chance of getting a raise. After doing all the homework mentioned in this post, you’ll be ready for a conversation with your boss. The bottom line is you have nothing to lose and everything to gain by asking for a bigger paycheck. The best-case scenario is your boss will say yes to requesting a raise, and at worst, your boss will say no, and that’s okay too. What’s left now is for you to take action if you want to make a better annual salary. You’ll never know if you’ll get a significant pay increase unless you ask for it. This article originally appeared on Wealth of Geeks. Via https://mylifeiguess.com/how-to-ask-for-a-raise/ How often do you find yourself in desperate need of cash? We all go encounter financial trouble from time to time, but for some of us, it is a recurring problem. Wouldn’t it be great if we could manage our finances effectively? Then we won’t have to turn to quick fixes when we are squeezed for money. A solid financial plan with budgeting, savings, and investment always wins the day. Yet if you’re in a bind and need some fast ways to make cash, here are 12 ways to make money now, increase your income, and help you build an emergency fund. Let’s make some quick bucks. I Need Money Now – 12 Ways to Make Quick Cash1. Participate in Online SurveysOnline surveys are a popular side hustle to make cash online. It may not make you rich, but you’re sure to earn a couple of bucks if you fill in surveys. Not only that, many surveys offer gift cards and other bonuses! Be aware of scams though. Some shady websites and services reel you in with promises of thousands of dollars and gifts. Go to sites like Swagbucks or Survey Junkie for authentic surveys. With Swagbucks, you have the option to do a lot more than just filling surveys. You can also get paid for:
Since Swagbucks is a reward program website, you can earn PayPal cash or gift cards. Many users have reportedly earned $50-$100 a month by doing different activities. You’ll be swinging by the ATM in no time to withdraw your earnings! 2. Flip Items to Earn MoneyWhen you flip items, you make some quick cash and declutter your home. It just means selling items you own on an online marketplace. Craigslist, eBay, and Facebook Marketplace are some common examples. If you have money problems or need fast cash, this may be a good option. These sites let you list items on their website at no upfront cost. All you need is a phone/computer and a stable internet connection. Pro-tip: take a notebook and list things you might want to part with. You’d be surprised by how many things you don’t need when you start looking. Just get in touch with your inner Marie Kondo and sell those things that don’t spark joy in you anymore! 3. Join Uber or LyftDriving for Uber or Lyft is one of the quickest ways to get money. Many people drive as a full-time or part-time job. All you need to get started is to own a car. Both Uber and Lyft let you choose your schedules: you can clock in and out whenever you want. Besides that, you can also work whichever days you want. Driving for Uber or Lyft frees you from having to sit in an office from 9-5, and you get same-day funds. You can also meet interesting, new people from diverse cultures, improve your conversation skills, and boost your confidence. 4. Babysit if You Need Money NowLoving parents sometimes need a break from their kids. As a babysitter, you’ll be there to free up parents for their night out. You can become a babysitter or a childcare provider in a few simple steps. One of the best places to look for these jobs is Care.com. If you need cash-in-hand and are good with kids, check out this website. You can babysit as a one-time gig or fill in morning duty to help parents with their kids in return for cash with this service. 5. Earn Through AirbnbAirbnb is one of the most trusted and reliable ways to create extra revenue. We all love booking a room or apartment on Airbnb when vacationing, but you can also rent out part of your home on Airbnb to earn decent money. Did you know renting out your extra room on Airbnb can earn you more than renting it to a roommate? So if you were considering getting a roommate, reconsider that idea and rent on Airbnb instead! If you’re concerned about having strangers in your home, don’t be. Airbnb has numerous steps in place to keep you and your space safe. Check out their guidelines. 6. Get a RoommateRenting on Airbnb isn’t always the better option. Many people don’t want to deal with the constant hassle of people renting their space and the clean-up after people leave. If you need emergency cash now, getting a roommate isn’t the fastest option, but it’s one of the most stable. You’ll be getting a steady stream of income each month, and for all you extroverts, you won’t feel alone in your homes. Introverts may want to establish clear boundaries before renting. You can list your house or apartment in many places. Facebook Marketplace is one. Getting a roommate is a fantastic frugal living tip if you’re looking to make a steady income every month. 7. Run Errands on TaskRabbitWith TaskRabbit, people make money from running errands. Everyone needs an extra hand occasionally, and this is where you come in. Here are some errands you can run on TaskRabbit:
Check out the different tasks here. 8. Apply for Quick LoansThe fastest way to get cash today is undoubtedly to apply for a loan. Bear in mind you will have to pay it back, so try to avoid borrowing money if you can. When you have exhausted all other options, check out ZippyLoan. The platform can get you a loan within one business day even if you don’t have collateral or excellent credit history and ratings. It is one of the best loan companies out there for small loans. While getting loans is the fastest method on this list, only consider borrowing money if you’re seriously in need of cash. There are also strict terms that you’ll have to abide by, along with high-interest rates. Most loan companies that offer fast loans are known as payday companies, and the instant cash loan they offer is referred to as a payday loan. These payday loans refer to short-term borrowing in return for the lender applying a high-interest rate based on your income. Most of these payday loan lenders accept lousy credit scores. Some even have no credit check and instant approval upon loan application. However, on ZippyLoans, you can borrow as little as $100 and as much as $15,000 with accommodating payback terms. So, if you’re a resident of the US, you can get a cash loan today with ZippyLoans. 9. Sell Your Unused InternetIf you don’t feel like getting up to do anything but want to get fast cash, then you can sell your unused internet bandwidth to major corporations and earn about $50 per month. $50 per month isn’t a lot, but if you think about it, you aren’t doing anything: passively selling off a service you are not using. This quick cash solution gives you more time to pursue work to bring in significant cash. Honeygain is one of the websites that purchase unused internet. Through the Honeygain app, you make 1$ for each 10GB you send. The amount of internet transferred depends on how frequently you leave the app running, how much data you consume, etc. Check your internet usage for this. For those of you hesitating, don’t worry: this isn’t a spyware app. All your unused data goes towards powering the backend for companies who require hefty bandwidth. Some other reliable websites to sell your unused internet are IPRoyal and PRIVATIX. 10. Teach English OnlineIf you’re thinking, ‘I need money now. How do I earn it quickly?’ Teaching English online is one way to get fast cash. To teach English online, all you need is a webcam and a stable internet connection. Bonus points if you have taught English before. If you haven’t, that’s okay – you can start now and even make a career of it! One of the most trustworthy websites to earn by teaching English is VIPKids. However, the criteria to sign-up do require you to submit or fulfill some requirements. If you’re unable to join VIPKids, consider joining TakeLessons.com, on which you can teach people English via Skype for fast cash. 11. Make Money Through Your Social MediaCongratulations if you’re active on social media or have amassed a decent following. You’ve done most of the work. If you need quick cash, you can monetize your social media accounts like Instagram, Facebook, TikTok, blogs, etc. To monetize them, you can use Buy Me a Coffee, Ko-Fi, PayPal buttons, or SubscribeStar. With Buy Me a Coffee and Ko-Fi, your supporters can provide small sums (buying you a coffee) as a form of support and appreciation, and they can do that without even signing up. Most importantly, you get paid directly to your bank account without delays. SubscribeStar is similar to Buy Me a Coffee: your supporters can support you through the website by becoming regular patrons. The only difference is that you can choose subscription pricing tiers on SubscribeStar. If you need money fast, you can encourage donations by creating ‘patron-only’ content. Besides that, to have a constant stream of income, add a ‘Buy Me a Coffee’ button to your Instagram account, Pinterest, blog or website, Twitter handle, etc. 12. Sell Photos if You Want Money NowHave you ever looked back at your captured photos and thought, ‘I should be a photographer, I can sell these.’ Well, now you can! If you have any high-quality photos on your mobile or computer, you can now sell them and get cash. One way to do this is by becoming a contributor to GettyImages. GettyImages owns iStock, one of the most prominent photo-sharing websites. Fortunately, they’re always on the lookout for excellent, authentic photos, which you can provide. Selling your snapshots is a fantastic option to generate passive income and can be done by anyone and from anywhere! Conclusion – I Need Money NowWith these tips, you can get your hands on some fast cash for your immediate needs. A little resourcefulness and hard work will go a long way in making quick cash. This article originally appeared on Wealth of Geeks. Via https://mylifeiguess.com/i-need-money-now/ |
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