extra income http://www.wisebread.com/taxonomy/term/12639/all en-US 11 Good Money Habits That Will Keep You Out of Debt http://www.wisebread.com/11-good-money-habits-that-will-keep-you-out-of-debt <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-good-money-habits-that-will-keep-you-out-of-debt" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_glasses_smile_518885222.jpg" alt="Woman with good money habits staying out of debt" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Staying on the straight and narrow, especially when it comes to your finances, can feel like a struggle. Recreational activities, impulse buys, monthly bills, and unexpected expenses lurk around every corner, and if you're not careful, you can slide into debt without really trying.</p> <p>If you practice good money habits as a general life philosophy, however, you're giving yourself the best chance of staying in the black consistently &mdash; and perhaps even making those coveted savings gains. Here's how.</p> <h2>1. Create a Budget Based on Life Goals &mdash; Not Numbers</h2> <p>Every article you read about how to improve your personal finances includes creating and maintaining a budget. That's because actively keeping track of what's coming and going helps you manage your money more responsibly than simply throwing caution (and cash) to the wind. But your budget is only serving a single purpose when it's strictly rooted in numbers opposed to relating to your personal activity and short- and long-term goals &mdash; like an upcoming vacation or contributions to your retirement fund, for instance.</p> <p>As such, instead of living your life around your budget, you'll find much more satisfaction in building your budget around your life. By planning ahead for expenses, even frivolous things, you can identify the areas where your budget is lacking and (hopefully) close those holes by either amending your plans to accommodate your cash flow or increasing your income to afford the things that make you happy.</p> <p>I recommend the latter, of course &mdash; because you only live once.</p> <h2>2. Charge Only What You Can Afford to Pay Off Every Month</h2> <p>Let's get something straight here: Credit is not as dastardly an institution as you've been led to believe. Yes, there are credit cards with astronomical APRs. And, yes, there are credit cards with ridiculous late fees. But at the end of the day, you're responsible for reading the fine print (you know it's there!), and nobody is forcing your hand in accepting an offer.</p> <p>Still, credit is attractive because it allows us the freedom to have more than we can afford. But whose problem is that when you can't pay the bill? All yours. Avoid this downward spiral by making your credit card payments top priority each cycle.</p> <p>&quot;Credit cards are not evil, but they can make a mess of your finances if used unwisely,&quot; says savings expert Kendal Perez. &quot;Ultimately, you should only charge what you can afford to pay off every month. Using your credit card to pay bills is a smart strategy since you have to pay these expenses anyway, and using credit means accruing points, rewards, or travel miles to offset future expenses.&quot;</p> <p>See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso2" target="_blank">12 Habits of Responsible Credit Card Users</a></p> <h2>3. Look for Savings on Everything You Buy</h2> <p>I personally save many thousands of dollars every year by being a smart shopper, because there are few things I buy for which I don't have a coupon or discount. From dining out to going to the movies to the clothes I wear to the gas I put in my vehicle &mdash; everything comes with savings.</p> <p>It's not hard to get into this habit, either. I save by using loyalty cards, clipping coupons, redeeming cash back deals, signing up for promotional emails, waiting for items I want to go on sale, shopping clearance sections, and buying secondhand, among a myriad of other strategies. It's like a game for me, and I hardly ever spend money on something for which there are no savings; I look for a cheaper alternative instead. It's a major reason why I always have enough money in the bank to cover my bills, plus add to savings while still doing the things I like to do every month.</p> <h2>4. Buy Groceries Based on What's on Sale and in Season</h2> <p>Groceries are one of the biggest spending categories for Americans, next to mortgages and insurance. Instead of buying what you're craving, buy groceries based on what's in season and what's on sale. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=seealso" target="_blank">The 5 Best Credit Cards for Groceries</a>)</p> <p>&quot;This will require some meal planning, but you can craft similar meals based on what's on sale each week,&quot; explains Perez. &quot;Use a tool like Flipp.com to easily compare grocery sales and deals between stores in your area, and consider looking for grocery coupons for items on your list through CouponSherpa.com.&quot;</p> <p>Another trick I use to cut my grocery bill is to shop the clearance section. Most supermarkets have these sections with drastically reduced prices on damaged or about-to-expire food that's still perfectly good if you get to it in time. Ask your grocer where these items are located in your store.</p> <h2>5. Organize Your Bill Payments to Avoid Lateness</h2> <p>As soon as a bill arrives, I grab my checkbook (yep, I'm old school), write out the check, and prepare the envelope. On the back of the envelope I write the dollar amount that's inside as an at-a-glance reminder, and I organize the bill on my desk according to when it's due. Then I stagger the mailings &mdash; sending each payment out about five days before it's due &mdash; to ensure that I can reconcile all the bills with my bank account.</p> <p>Consumer finance expert Kevin Gallegos offers more tips on how to avoid late payments.</p> <p>&quot;Open all mail &mdash; including bills &mdash; upon receipt, deposit all checks and cash immediately, and set up a system for payment that works for you and that you'll use consistently,&quot; he says. &quot;This might be automatic online payments, a spreadsheet, a reminder on your cell phone, or a list on the refrigerator.&quot;</p> <h2>6. Map Out Your Long-Term Financial Goals</h2> <p>The only way you'll get ahead in your finances is if you know where you're going. Take a look at what's coming up in terms of required expenses and also think about some of the things you'd like to do with your money. Do you want to go back to school, on vacation, or purchase a new car or home? Set these milestones as goals and calculate what it'll take financially to reach them, then start saving in increments along an established timeline.</p> <h2>7. Review Your Finances on a Regular Basis</h2> <p>Reviewing your finances on a &quot;regular basis&quot; is a relative term, but I typically suggest once a month. There's value in doing it more often, however &mdash; like once to twice a week &mdash; according to personal finance expert Larry Jacobson.</p> <p>&quot;You need to set regular intervals to stay on the right path,&quot; he says. &quot;That way, you can course correct, if necessary, before it's too late.&quot;</p> <p>When reviewing your finances, be sure to cover all your bases. Browse your credit score for any errors, review bank and credit card statements for inconsistencies, and make sure all checks have posted. It's also a good idea to call your service providers once a year to inquire about better deals, like cheaper mobile phone or cable plans.</p> <h2>8. Treat Savings Like One of Your Monthly Bills</h2> <p>Instead of regarding contributions to your savings as a chore, start considering it a requirement, says Gallegos. Treat your savings deposits like a monthly bill; find that extra money somewhere in your budget (a reasonable amount that you can handle) and tuck it away as if you'll be penalized if you don't. You may have to make a sacrifice somewhere else, like in your &quot;fun&quot; fund, but, well, that's life.</p> <h2>9. Learn to Live Below Your Means</h2> <p>If you're one of those people who responds well to logic, here's a pro tip on staying debt free: Live below your means.</p> <p>&quot;Know exactly what you have to spend each month &mdash; and spend less,&quot; says Gallegos. &quot;Living beneath your means goes further than living within your means. It means taking responsibility and choosing where your money goes instead of being influenced by whims, advertising, habits, or peer pressure.&quot;</p> <p>If this is a tactic you'd like to try, you'll need to re-evaluate your budget entirely. Find items you can reduce or eliminate altogether to free up funds, like subscriptions and memberships that you aren't using to their full potential, cutting back on dining out, and reducing your monthly fuel bill by carpooling with a coworker or using public transportation more often.</p> <h2>10. Switch to a Cash-Only System</h2> <p>Here's another piece of practical advice that leads your wallet away from debt: Only pay for things in cash.</p> <p>&quot;You can't go into debt if you don't borrow,&quot; says Mike Sullivan, a personal finance consultant with Take Charge America, a nonprofit credit counseling and debt management agency.</p> <p>I recognize, of course, that that's easier said than done, so Sullivan offers a couple more strategies for holding yourself cash-accountable.</p> <p>&quot;Save with direct deposit at out of town banks,&quot; he says. &quot;You don't want your savings available on a whim; Internet banks are a good choice. And don't sign up for overdraft protection. That's agreeing in advance to spending more than you have and paying for the privilege.&quot;</p> <h2>11. Make More Money</h2> <p>One of my own personal money manifestos is to always have at least two sources of income. I'm self-employed, and I consider my media business my main source of income, but I supplement that with several side gigs, like renting out rooms in my homes on Airbnb, watching other people's pets through DogVacay, and driving for Lyft and Uber. That's three extra sources of income right there, but I'm always eager to find more ways to make money.</p> <p>I feel personally satisfied when all my bills are paid on time, money is consistently going to my savings account, and I'm cash-positive enough to enjoy life the way I want to. If you can't seem to get ahead, use your resources and carve out time to make more money. You'll achieve your financial goals and alleviate the burden of debt faster, and that can only lead to good things.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/11-good-money-habits-that-will-keep-you-out-of-debt">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/easy-budgeting-for-first-time-singles">Easy Budgeting for First Time Singles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-dirty-is-your-money-really">How Dirty Is Your Money, Really?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bought-milk-todays-the-deadline-to-claim-your-settlement-money">Bought Milk? Today&#039;s the Deadline to Claim Your Settlement Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-dumb-ways-youre-going-to-waste-money-this-summer">9 Dumb Ways You&#039;re Going to Waste Money This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting bills cash extra income groceries live below your means money goals payments sales side jobs Tue, 24 Jan 2017 10:00:11 +0000 Mikey Rox 1870058 at http://www.wisebread.com Check Out These 5 Legit Mystery Shopping Gigs http://www.wisebread.com/check-out-these-5-legit-mystery-shopping-gigs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/check-out-these-5-legit-mystery-shopping-gigs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_72359019_LARGE.jpg" alt="get paid to mystery shop" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The idea of someone paying you to shop is quite an attractive draw. But unfortunately, due to rampant scams over the years, many shoppers roll their eyes at the idea of being a mystery or &quot;secret&quot; shopper. With this in mind, I want to detail some completely legitimate companies that will indeed pay you to shop and provide detailed feedback about your shopping experience.</p> <p><a href="http://www.wisebread.com/8-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">Mystery shopping jobs</a> could be anything from walking into a convenience store and examining the cleanliness of the joint, to making a purchase from a major retailer and grading your overall customer service experience. It's definitely not a get-rich-quick scheme, but a legit way to make some extra money, often on shopping you'd be doing anyway. Here are a few companies worth pursuing.</p> <h2>1. BestMark</h2> <p>For over 30 years, the folks at&nbsp;<a href="https://www.bestmark.com/become_a_shopper.htm">BestMark</a> have been providing valuable data and information to retailers via their mystery shopping program. They provide 10,000+ mystery shopping assignments every month that span over 12 industries. If you're at least 19, have reliable transportation, and Internet access, you can apply for jobs in your local area. The key to success with your &quot;shops&quot; is a keen eye for detail and the ability to express them concisely via written reports. Your initial jobs, referred to as &quot;shops,&quot; will pay in the $7-$20 range each. Once you get your foot in the door and start to deliver excellent reports, your pay schedule can rise substantially.</p> <h2>2. IntelliShop</h2> <p>Variety is the spice of life with&nbsp;<a href="https://www.intelli-shop.com/about">IntelliShop</a>, as their mystery shopping program serves over 50 industries including retail, real estate, automotive, and restaurants. If you have at least a high school education, reliable vehicle, and a working computer with online access, you can apply. Preference will be given to those with strong writing skills. Noticing a pattern here? They also have a shopper rating system that allows you to move up on their pay schedule if you do solid work and avoid any &quot;Flake&quot; or &quot;Cancel&quot; citations. As for pay, expect $8-$20 per &quot;shop&quot; to start.</p> <h2>3. MarketForce</h2> <p>The team at&nbsp;<a href="http://www.marketforce.com/become-a-mystery-shopper">MarketForce</a> has been around since 1972 and has a strong track record of training skilled mystery shoppers to help improve a customer's overall experience. To qualify, you must have a high school diploma, a working computer with Internet access, and be at least 18 years old. They will reimburse you on any purchases that the &quot;shop&quot; assignment requires. And yes, you get to keep your purchases &mdash; which is a really cool perk. Jobs pay anywhere from $5-$50 depending on the time involved to complete them. It's also worth noting that higher paying gigs will require you to have a digital camera available for use.</p> <h2>4. Pinnacle Financial Strategies</h2> <p>Since 1995,&nbsp;<a href="http://pinnaclemysteryshopping.com/">Pinnacle</a> has been assisting financial institutions with valuable information via mystery shoppers. They have the same minimum requirements as the companies listed above; high school diploma, computer, and reliable transportation. They differentiate themselves by focusing on banks, credit unions, and financial service companies. Some jobs only take 2-3 minutes to complete, while others can last an hour or longer. Their pay schedule ranges anywhere from $4-$110 per job depending on the time involved. If you'd rather solely work from home, then their telephone and Internet shops could be a perfect fit for you.</p> <h2>5. Sinclair Customer Metrics</h2> <p><a href="http://www.sinclaircustomermetrics.com/Mystery_Shopping.cfm">Sinclair</a> has been around since 1987, and is one of the more reputable secret shopping companies in the U.S. Once approved, you can pick the &quot;shops&quot; that appeal to you. Their jobs include restaurants, banks, and retail establishments in your town. You'll start at $6-$15 per shop and get partial reimbursement on purchases (if required). Most of their assignments will take between 10-25 minutes to complete. Their training program is highly regarded and includes video tutorials on the &quot;shops&quot; that you've chosen to complete.</p> <h2>Red Flags It's a Scam</h2> <p>Unfortunately, not all mystery shop gigs are completely above board. Here are the sure-fire red flags that the mystery shopping job is a total scam.</p> <h3>Fee Required</h3> <p>If the company requires you to pay a fee before they give you any mystery shopping assignments, it's a scam. Legit companies will never require you to pay money.</p> <h3>Certification Required</h3> <p>If you're required to pay for training in order to be considered mystery shop &quot;certified,&quot; it's a scam. Legit companies will never make you pay for training.</p> <h3>Credit Card Number Required</h3> <p>While some companies may require your social security number for tax purposes, they'll never ask you for your credit card information.</p> <h3>You're Dealing With an Individual, Not a Company</h3> <p>If you find a mystery shopping gig via the Internet or Craigslist, and you're dealing with an individual rather than a company, it's almost positively a scam. Only deal with reputable companies that have a solid track record with the Better Business Bureau.</p> <p>For more information on avoiding mystery shopper scams, visit the Federal Trade Commission's <a href="https://www.consumer.ftc.gov/articles/0053-mystery-shopper-scams">page on mystery shopping</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/check-out-these-5-legit-mystery-shopping-gigs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-times-of-year-to-start-a-job-search">The Best Times of Year to Start a Job Search</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-glassdoor-to-earn-more-money">How to Use Glassdoor to Earn More Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-terrible-work-from-home-jobs-you-should-avoid">8 Terrible Work-From-Home &quot;Jobs&quot; You Should Avoid</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting Shopping extra income get paid to shop job hunt job search mystery shopper mystery shopping jobs side jobs side hustle Wed, 26 Oct 2016 09:30:24 +0000 Kyle James 1820586 at http://www.wisebread.com 18 Cool Jobs for Fashion Lovers http://www.wisebread.com/18-cool-jobs-for-fashion-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/18-cool-jobs-for-fashion-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_fashion_jewelry_90987693.jpg" alt="Woman finding cool jobs for fashion lovers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When most people think about a career in fashion, they think only of being a designer or a model. Fashion, like any creative industry, is hugely competitive. Luckily, for fashionistas and garmentos, there are many different jobs in fashion to fit a variety of personalities and skill sets.</p> <p>It's important to note that while the glamorous fashion jobs like designing and modeling get all the press, it's only the very top tier of those people who actually make money. It's much easier to make a decent living on the business side of fashion. (See also: <a href="http://www.wisebread.com/6-job-perks-that-can-lead-to-a-dream-career?ref=seealso">6 Job Perks That Can Lead to a Dream Career</a>)</p> <p>Here's a list of fashion jobs that may or may not involve sewing.</p> <h2>1. Buyer</h2> <p>Fashion buyers are responsible for keeping the sales floor stocked with clothes and accessories that will sell. Although it sounds like a fun shopping gig, buying is high-stakes, speculative work. Buyers have to anticipate what customers want before they even know they want it. This means that buyers have to place orders for their winter inventory in the dead heat of summer and hope that the customers, and the weather, will line up in time for Thanksgiving.</p> <p>In addition to deciding which trends will be big three months from now, buyers work with suppliers to translate the high-fashion styles that are shown on the runway into affordable and wearable clothes that can be mass-produced for their customers.</p> <p>While it's true that buyers are <a href="https://en.wikipedia.org/wiki/Coolhunting">professional coolhunters</a>, they are also expert data analysts. The mark of a successful fashion buyer is not objective good taste; it's the sell-through rate of their inventory. Fashion buyers must work with the sales force, study sales records, and maintain a detailed purchase database to make sure that their store or department always has a high percentage of product that will sell at full price.</p> <h2>2. Costume Designer</h2> <p>Costume designers create the personal style of every character and provide a key element to the overall look of films, television shows, plays, and operas. Depending on the budget, time period, and complexity of a project, costume designers might make every article of clothing from scratch, or they might assemble the wardrobe from existing garments they have purchased or rented.</p> <p>To quote Judith Bowden: &quot;The <a href="http://artsalive.ca/collections/costumes/designer_role.php?page=1&amp;lang=en">main job of costume design</a> in a production is to provide physical and emotional support to every actor through the clothing he or she will wear to enhance characterization. The design must provide strong visual support for the story, concept, and context of the play as a whole. It is my role to ensure that the costumes reflect the visual style of the production and help actors portray their characters on their journey through the play's action.&quot;</p> <p>The best costume designers are obsessive researchers of history, and not just the history of fashion. When it comes to characters, clothes really do make the man. Costuming can be storytelling. It can show the audience everything about the external life experience of a character, as well as reveal his secret, interior world.</p> <h2>3. Design Assistant</h2> <p>Design assistants are the worker bees of every <em>atelier</em>. Fashion designers are responsible for the creative vision of a brand, but design assistants can be called upon to be responsible for everything else. This job can include sewing garments, making patterns, fitting models, sourcing fabrics, tracking samples, supervising production workers, going to trade shows, coordinating schedules, and managing the studio.</p> <p>Assisting is not all schlepping. In fact, it's often an important career steppingstone. Immediately after Alexander McQueen's death, Sarah Burton, his longtime assistant, was <a href="http://www.nytimes.com/2014/08/22/t-magazine/alexander-mcqueen-sarah-burton-interview.html?_r=0">named the new creative director</a> of his fashion house.</p> <h2>4. Editorial Assistant</h2> <p>If you've watched <em>The Devil Wears Prada</em>, you've seen the G-rated version of this job. If you're lucky, you will get incredible hands-on experience learning how to produce a fashion magazine from start to finish. But, if the job were easy, everyone would do it. Editorial assistants have to be super organized, enjoy scheduling like it's a hobby, and have the stamina to constantly work long hours to meet deadlines. Also, you have to communicate well in person and on paper, and be a grammar nerd.</p> <h2>5. Fashion Journalist</h2> <p>Fashion journalists are writers who cover the fashion industry. While fashion journalism used to be a super-VIP club of well-connected it-girls, young writers can now break into high-profile magazine and blogging work based entirely on their fresh fashion criticism. If <a href="http://www.thestylerookie.com/">Tavi Gevinson</a> can cover New York Fashion Week as a 12-year-old, what's your excuse?</p> <h2>6. Fashion Publicist</h2> <p>Publicists are responsible for maintaining a brand's image. They build relationships with editors, journalists, influencers, and celebrities to make sure that their client stays in the public eye. To that end, publicists are one part crisis management, one part cruise director. They are the keeper of the guest list for publicity events, the maker of the all-important seating charts for fashion shows, the issuer of news releases, and the procurer of swag bags and gift baskets. More importantly, publicists are tasked with getting their brands the most press for the money. Publicists do this by convincing actors to wear their client's clothes on and off the red carpet, by working with product placement companies to get their brand featured in films and TV shows, and of course introducing their designer to style influencers who will talk up the brand to the public in magazines, blogs, and TV appearances.</p> <h2>7. Fit Model</h2> <p>If you have the right measurements, you can work as a <a href="https://www.businessoffashion.com/articles/intelligence/from-mannequin-to-muse-being-a-fashion-fitting-model">fit model</a>. Fit models are literally human mannequins for clothing manufacturers. Before putting a garment into production, a designer will use a fit model to ensure that the piece will be flattering and wearable by actual humans with similar proportions.</p> <p>Fit models are chosen for their specific measurements, but this doesn't mean that they are just Barbie dolls in the flesh. Designers depend on fit models to tell them if a garment is uncomfortable and to demonstrate how the garment moves on the body.</p> <p>Perk of the job: free clothes. Downside of the job: human pincushion.</p> <h2>8. Hair Stylist</h2> <p>If I could switch lives with one of my friends, I would switch with my friend Eric because he gets to travel constantly for a creative job that he loves. A scion of a hairdressing family, Eric started styling hair professionally as a teenager. He decided early on that he didn't want to cut hair in a salon, and instead, do editorial work exclusively. Foregoing the stability of salon work to hustle for freelance magazine jobs was a risky financial move, but it paid off handily. Eric works with the best photographers, models, and editors on the planet. (If you have seen the Sports Illustrated Swimsuit Issue, then you have seen Eric's work).</p> <p>Hair stylists are part of the creative team who create the mood or storyline in advertisements, fashion shows, and editorial content. Don't believe me? Try and imagine what the Victoria's Secret catalog would look like without the models' sexy hair. You can't. The angels' hair is part of the brand's narrative.</p> <p>Hair stylists who want to work in editorial have to be extremely self-motivated and flexible. It's a freelance job that can require traveling for work at a moment's notice.</p> <h2>9. Makeup Artist</h2> <p>As with hair stylists, fashion and media makeup artists work with designers and editors to create a cohesive look for a brand or story. Although editorial makeup is usually the supporting character to the star clothing, occasionally makeup becomes the featured look of a season or part of a brand's permanent identity. For example, most people will never be able to afford a Chanel jacket, but, for the past two decades, legions of budget fashionistas have paid homage to the fashion house by wearing Chanel's iconic <a href="http://nymag.com/thecut/2015/11/calling-all-chanel-vamp-fans-chanel-vamp-collection.html">Vamp nail polish</a>.</p> <h2>10. Patternmaker</h2> <p>Do you love jigsaw puzzles? Are you a perfectionist? <a href="https://www.fitnyc.edu/ccps/certificate-programs/credit/patternmaking.php">Patternmakers are the magical elves</a> who can take a 2D design concept and translate it into a blueprint for a 3D garment. Patternmakers are a critical part of the production process. The ideal pattern is a clearly drawn document that sewers can easily follow without wasting time or fabric. A poorly drafted pattern can cost a company millions of dollars by not only slowing down the production line and squandering materials, but by being a dud on the sales floor. Mismatched patterns, bad button placement, and gaping pockets are all <a href="http://www.wisebread.com/9-qualities-to-look-for-in-well-made-clothing">problems on finished garments</a> that should have been resolved in the pattern-making process.</p> <h2>11. Production Manager</h2> <p>Production managers are the logisticians of the fashion world. They oversee the physical manufacturing process of textiles and clothing. Production managers work with suppliers and stores to ensure a quality finished product. In addition to being in charge of quality control, they supervise the supply chain and the workflow. It is their job to ensure that the clothes are made on schedule, on budget, and under ethical labor standards.</p> <p>Production management is a high-pressure, technical job within a creative industry. Since production managers are the ones responsible for fixing production issues, they have to be IT troubleshooters, have excellent people skills, and be wizards at budgeting and scheduling.</p> <h2>12. Retail Sales Clerk</h2> <p>Although many people see retail work as a minimum wage, summer job for teen mallrats, retail sales can be a lucrative and fun career. When I worked at Nordstrom, I knew clerks in Men's Suiting who turned down promotions to management positions because it would mean taking a pay cut. In high-end stores, it is possible for a sales associates to make six-figure salaries working on commission. However, the threshold you have to meet to keep those top jobs is high. For example, in the early '90s I had to sell $60,000 in merchandise per month to keep my job in a sought-after department at Nordstrom. While I would argue that high-end retail is one of the best jobs a person can get without a college degree, it's not a job for dummies. Many top shops like Chanel and Prada have language requirements: you have to be bilingual in Spanish, Chinese, Japanese, Arabic, or Russian to be considered employable.</p> <h2>13. Retail Store Manager</h2> <p>If your dream is to one day open your own store, you should learn the ropes on someone else's dime. Managing a store will not only give you on the job training on how to set up and run your own shop, it will also give you an overview of the fashion industry.</p> <p>Great managers will not only be able to tell you what sells and why, they will also be able to tell you how to increase sales. When I worked in active wear, my manager noticed that a lot of our customers were elderly or had mobility issues. They weren't buying tracksuits for working out; they were buying them for comfort. When she rearranged the racks on the sales floor to improve wheelchair access, our sales went up by 10%.</p> <p>Many corporate chains will groom and promote their best managers to executive and buyer jobs within the company, but beware! While this job can be the first step in an amazing business career in fashion, at many companies wage theft is baked into the store manager job description.</p> <h2>14. Street Photographer</h2> <p>Scott Schuman is the Cinderella of fashion photography. Schuman started out on the business side of fashion before accidentally becoming the darling of street fashion. Eleven years after taking his first photography class, Schuman's blog, <a href="http://www.thesartorialist.com/">The Sartorialist</a> is hugely influential, and Schuman has become one of the best-known fashion photographers on the planet.</p> <p>Although his critics love to complain that Schuman was already a fashion insider before he took up photography as a hobby, there are many people who have similar business connections, but not his gimlet eye. Due to the success of first generation street fashion photographers, a blog as a personal portfolio is now a viable way for emerging artists to catch the eye of potential employers.</p> <h2>15. Stylist</h2> <p>Stylists like <a href="http://thezoereport.com/">Rachel Zoe</a> have made their name dressing celebrities for the red carpet, but her job entails so much more than acting as wardrobe guru to the rich and famous. To quote stylist extraordinaire, Sally Lyndley: &quot;Stylists work with creative teams including photographers, design teams, or art directors to create a vision for an image or a brand. At the same time, we also face the <a href="http://fashionista.com/2010/08/sallys-styling-seminary-the-lineage-of-styling">challenge of making the clothes look awesome</a> (regardless of their quality).&quot;</p> <h2>16. Social Media Assistant</h2> <p>The fashion industry has always been linked to images and marketing, so it makes sense that everyone in the fashion industry, from the most established fashion houses to upstart designers, understand that social media is a powerful advertising tool. If you are good at curating photos and charming in 140 characters, the job of social media assistant is a great way to get your foot in the door.</p> <p>Since traditional print campaigns can cost hundreds of thousands of dollars, it used to be easier to overlook brands that lacked the advertising budget. Because social networking platforms have a global reach, it's now possible for even the smallest companies to sell to a huge number of customers. Research shows that if you follow a brand on Instagram, you are 53% more likely to shop with them.</p> <p>Inventive social media campaigns have recently started getting the praise they deserve (and book deals for the social media smarties). For example, it has recently been pointed out by feminist publications like Bustle and Jezebel, that <a href="https://www.instagram.com/mccallpatterncompany/">McCall</a>, your mom's favorite sewing pattern company, is <a href="http://mccallspatternbehavior.tumblr.com/">killing it</a> on social media.</p> <h2>17. Textile Designer</h2> <p>Textile designers create the 2D repeating pattern for fabrics, carpeting, wallpaper, vinyl flooring, upholstery, and pretty much any other textile you can think of. Although this is a creative job, textile design is highly technical. Textile designers have in-depth knowledge about all aspects of the physical production of textiles: types of fibers, weaving looms, dyes, printing methods, and special processes such as stone washing.</p> <p>Although most textile designers work for large textile manufacturers, fashion designers will often employ textile designers to create custom fabrics for their fashion and home lines.</p> <h2>18. Visual Presentation</h2> <p>If you have ever been stopped dead in your tracks by a store window display, you've seen the power of visual merchandising. Great visual presentation is both aspirational and practical. For example, it's easy to see the target customer of Anthropologie through its <a href="https://www.behance.net/gallery/21175615/Anthropologie-Window-Display-Birds-of-a-Feather">store design</a>: affluent, Gen-X women who like to travel. The company isn't just selling clothes and home accessories; it's selling a lifestyle. But even the most <a href="http://tmagazine.blogs.nytimes.com/2010/11/01/tinsel-town-simon-doonans-very-foodie-windows/?_r=0">fantasy-driven store décor</a> must also be super-functional. If the customer can't see herself wearing the product, she won't buy it.</p> <p>Visual presentation is no longer just about store display. Museums, libraries, and other public spaces are now hiring visual merchandisers to design art installations to showcase their collections. This is a great job for creative night owls because all the magic happens when the store is closed. If you don't like burning the midnight glue gun, this job is not for you.</p> <p><em>Do you work in fashion? Please brag about (or complain about) your fabulous job in the comments section. </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-depressing-jobs-that-arent-worth-the-money">10 Depressing Jobs That Aren&#039;t Worth the Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting Style career extra income fashion fashion lovers gigs jobs side hustle style Mon, 29 Aug 2016 09:00:09 +0000 Max Wong 1780054 at http://www.wisebread.com 8 Ways to Turn Your Stress Into Money http://www.wisebread.com/8-ways-to-turn-your-stress-into-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-turn-your-stress-into-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_73912007_LARGE.jpg" alt="turning stress into money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you prone to stress and anxiety? Do you believe it's holding you back from being successful in your career and making money? It doesn't have to be this way. In fact, when your <a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes">stress and anxiety are properly managed</a>, there may be ways to turn them into positive things for you financially &mdash; like extra cash!</p> <p>Let's take a look at these ways you can turn stress into financial freedom.</p> <h2>1. Channel Your Stress Into Hard Work</h2> <p>Employers don't want their employees to be stressed out, but they do want people who care. So if you have a little bit of anxiety about your work, that could be a good thing. If you can find a healthy way to channel that stress into being productive and conscientious, it will pay off in the workplace. The chemical produced by stress can, at certain levels, actually enhance alertness, memory, and attention.</p> <p>Many managers even say that giving workers a small amount of anxiety can help them perform better overall.</p> <p>&quot;Without anxiety, little would be accomplished,&quot; David Barlow, founder of the <a href="http://www.fastcompany.com/3025488/how-to-be-a-success-at-everything/relax-being-anxious-makes-you-a-good-leader">Center for Anxiety and Related Disorders</a> at Boston University, told <em>Fast Company. </em></p> <h2>2. Turn Your Stress Into Excitement</h2> <p>Stress can be debilitating. But excitement can help you reach new heights. There's a fine line between stress and excitement, but researchers say you can often find ways to frame stress in a positive way. In her paper, &quot;Get Excited: Reappraising Pre-Performance Anxiety as Excitement,&quot; Alison Woods Brooks of Harvard Business School <a href="https://www.apa.org/pubs/journals/releases/xge-a0035325.pdf">argues that you can perform better</a> in a situation simply by repeatedly telling yourself, &quot;I am excited.&quot; And the more you do it, the more it helps.</p> <p>&quot;Highly skilled individuals may be more likely to say &lsquo;I am excited&rsquo; before they tackle challenging tasks. In this way, emotional self-statements could operate in an upward spiral process in which successful individuals are more likely to express excitement, and saying &lsquo;I am excited&rsquo; then improves subsequent performance,&quot; Brooks writes.</p> <h2>3. Get a Side Hustle or Second Job</h2> <p>For many people, stressful and anxious thoughts come during downtime. It's hard to worry about things when you're busy at work, and the stressful thoughts may only come when your brain has a chance to think. If this sounds like you, maybe a second job will help you stay busy and keep your mind from wandering into Stress Town. And if you're the type of person who gets stressed about never seeming to have enough money, a second job may be what you need. It doesn't have to be another full-time job. Maybe you can take up freelance writing or design, or a craft. Anything to stay busy, keep your mind off your troubles, and make a little extra money in the process.</p> <h2>4. Become a Good Leader</h2> <p>In his book, <a href="http://amzn.to/29I0g4t">My Age of Anxiety</a>, writer Scott Stossel argues that being anxious can be helpful to people in leadership roles. He said anxious people are more likely to be tuned into other people's emotions and social cues.</p> <p>In their book, <a href="http://amzn.to/29Whaep">Wiser</a><em>, </em>researchers Cass Sunstein and Reid Hastie argue that groups can make the best decisions when they are led by an anxious and detail-oriented person. So who knows? Maybe your stress is your ticket to becoming CEO.</p> <h2>5. Save and Invest Like Crazy</h2> <p>If you are prone to anxiety, you worry about the future. That means you're probably good at preparing yourself financially for the days ahead. You may have cash set aside for every conceivable emergency, and are aggressive about saving for retirement because you stress about running out of cash as you age.</p> <p>If this sounds like you, you're probably in great shape financially and may even become quite wealthy as your investments and savings grow over time.</p> <h2>6. Become a Pet Sitter</h2> <p>If you suffer from anxiety or high stress, there's a lot of evidence suggesting that time with a pet can help you. Studies show that pets can provide the kind of unconditional love that would benefit those with mental health conditions, and may even improve social interactions.</p> <p>Pets can often be creatures of routine, demanding to be walked and fed at certain times. Being forced into that kind of routine may also be helpful to those with stress and and anxiety.</p> <p>What's more, if you <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">make money by walking pets</a>, you'll be getting some exercise, which is also beneficial when battling stress.</p> <h2>7. Channel It Into Something Creative</h2> <p>Perhaps you've found that your stress goes away when you play the guitar, or paint, or make pottery. Maybe you feel better when you act or dance. You may think of these activities as mere outlets for your stress, but they can be moneymakers. Make some music and join a band. Sell your artwork. Join a theatre company. Take that stress and go make some dough.</p> <h2>8. Blog About Your Stress</h2> <p>About <a href="http://www.nimh.nih.gov/health/statistics/prevalence/any-anxiety-disorder-among-adults.shtml">40 million adults in the United States</a> suffer from some sort of anxiety disorder, according to the National Institutes of Mental Health. That's a huge potential audience of people who may be looking to get advice, or simply connect with those who are going through similar challenges. Finding ways to write about your stress and anxiety may be therapeutic for you, and if the blog takes off, you can earn a little bit of cash in the process.</p> <p><em>What other ways can you channel stress into money? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-a-side-hustle-can-advance-your-career">8 Ways a Side Hustle Can Advance Your Career</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-great-side-jobs-for-introverts">10 Great Side Jobs for Introverts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income anxiety earnings extra income jobs part-time job side hustle side jobs stress stress relief workplace Wed, 20 Jul 2016 09:00:07 +0000 Tim Lemke 1755547 at http://www.wisebread.com 5 Ways to Handle a Forced Early Retirement http://www.wisebread.com/5-ways-to-handle-a-forced-early-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-handle-a-forced-early-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_taking_notes_73540307.jpg" alt="Woman finding ways to handle early retirement" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You had a plan: You would work until 67, contributing the maximum amount of each paycheck into your company's 401K plan. You would then <a href="http://www.wisebread.com/how-to-plan-for-retirement-when-you-re-ready-to-retire">enjoy a retirement</a> of traveling the world and spending time with your grandchildren.</p> <p>But then your company changed your plans. They let you go you at age 55 or 60. Finding a new job at this age isn't easy. According to an AARP study released in 2015, 45% of job hunters aged 55 or older were members of the long-term unemployed, those who were out of work for 27 weeks or longer. And when these older job seekers did find new jobs, they tended to earn less money. The same AARP survey found that almost 48% of people 55 or older were earning less on their new jobs than they did at their old ones.</p> <p>Those are intimidating numbers. But they don't mean that a forced early exit from the workforce will dash your retirement dreams. Here are five steps that you can take after you've been laid off or fired to make your earlier-than-planned retirement a successful one.</p> <h2>1. Assess Your Financial Reality</h2> <p>It's easy to panic when you've lost a job. But your financial situation might not be as dire as you think. To find out, it's time to perform a quick financial assessment.</p> <p>First, list your monthly expenses. These might be lower if you are no longer paying a mortgage each month. Then list the income you have coming into your household. Maybe your spouse's income means that you can still save enough money each month for a happy retirement. Maybe you'll need an extra income boost from somewhere to still hit those goals.</p> <p>Depending on how close you are to your official retirement age, you might decide to start receiving your monthly Social Security payments. You'll get less each month if you haven't reached full retirement age, but if you can't hold off on the extra monthly income, receiving your benefits a few years early might be a sound move.</p> <p>If you were laid off or fired, you probably qualify, too, for unemployment insurance. Make sure to take advantage of this. That extra monthly income could help you stay on track for your retirement goals.</p> <h2>2. Get Realistic About Your Retirement Goals</h2> <p>You might have to scale back your retirement goals should you be forced to exit the workplace earlier than planned. Maybe you planned to take a long trip every year. If you're forced out of work five years early, you might have to scale that back to just three big trips spread out over your entire retirement.</p> <p>This doesn't mean that your retirement is ruined. But you might have to refocus. Maybe instead of joining that high-priced country club, you'll be taking your golf clubs to public courses throughout your city.</p> <h2>3. Make Sure You Have a Plan for Insurance</h2> <p>You'll need health insurance even after you lose your job. You might qualify for Medicare or Medicaid, though you might not qualify for these government programs depending on your age and income levels.</p> <p>If you need insurance not offered through the government, you can search for a low-cost plan through the insurance exchange created under the Affordable Care Act.</p> <p>Letting your health insurance lapse can be a costly mistake.</p> <h2>4. Find Part-Time Work to Fill in the Income Gaps</h2> <p>If you need some extra income each month, consider taking a part-time job. This work, even if it doesn't come with the benefits of a traditional full-time job, could provide you with the extra bit of cash that will keep your retirement dreams alive.</p> <p>Depending on your field, you might find a part-time job as a consultant. But even if you can't, you can still find enjoyment, and some extra financial security, by taking on a position in a new field.</p> <h2>5. Meet With a Professional</h2> <p>Retirement planning is complicated when everything goes according to plan. When those plans are suddenly changed? It's even more of a challenge to make sure that you have enough dollars saved for your after-work years.</p> <p>That's why it's important to meet with a financial adviser who can help you determine what financial steps you need to take now. Depending on your income and community, you might even qualify for free financial advice.</p> <p>A financial planner can help you create a new budget and a new financial plan that fits with your new money reality.</p> <p><em>Have you faced early retirement? What steps have you taken?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-ways-to-handle-a-forced-early-retirement">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-keys-to-an-early-retirement">4 Keys to an Early Retirement</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-reasons-people-dont-retire-early-and-how-you-can">4 Reasons People Don&#039;t Retire Early — and How You Can</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-moves-that-guarantee-a-great-retirement">4 Moves That Guarantee a Great Retirement</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-401k-in-2017-heres-whats-new-for-you">Your 401K in 2017: Here&#039;s What&#039;s New for You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-inventor-of-the-401k-has-second-thoughts-about-your-retirement-plan-now-what">The Inventor of the 401K Has Second Thoughts About Your Retirement Plan — Now What?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement 401k early retirement extra income forced retirement insurance job loss medicaid medicare part-time jobs unemployed Tue, 07 Jun 2016 09:30:33 +0000 Dan Rafter 1725699 at http://www.wisebread.com Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_outside_photographer_000025506033.jpg" alt="Woman making money and actually having fun" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people rarely have fun during their workday. And that's because you're there to work, not play. But with the gig economy going full steam ahead, folks young and old are finding ways to make money by doing things they enjoy. Besides, if you thoroughly enjoy your work, it won't feel like work. You'll be more interested in taking on similar projects, and you'll make more money as a result. You might even get to a point where you can turn your fun side job into a full-time career. Not bad, right?</p> <p>Here are 68 coolest ways to make extra money that won't feel like work at all.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_working_from_home_000025337892.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=fbf">22 Websites That Will Pay You to Write for Them</a> &mdash; If you spend your free time writing stories and poetry, why not make a little money at it? Tons of websites and brands are looking for digital content creators, and these 22 sites are a fantastic place to start.</p> <p><a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers?ref=fbf">6 Great Side Jobs for Book Lovers</a> &mdash; If you prefer the company of books to people, these side gigs are perfect for you. That's right, your love of literature will help you bring home the bucks! Not bad, right?</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000057673262_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/12-great-side-jobs-for-outdoorsy-types?ref=fbf">12 Great Side Jobs for Outdoorsy Types</a> &mdash; Being trapped inside behind a desk sounds like a nightmare, yes? Well, there's no need to be stuck indoors all day when you could be making extra cash while spending your days in the great outdoors.</p> <p><a href="http://www.wisebread.com/get-paid-to-watch-your-favorite-tv-show-live?ref=fbf">Get Paid to Watch Your Favorite TV Show Live</a> &mdash; Yep, that's right. You can actually make money by watching TV. Being paid to be an audience member at a live show in cash, prizes, and free food isn't a bad way to earn a buck. And it certainly won't feel like work.</p> <p><a href="http://www.wisebread.com/20-places-besides-etsy-to-sell-your-handmade-goods?ref=fbf">20 Places Besides Etsy to Sell Your Handmade Goods</a> &mdash; If your hobbies include arts and crafts, you might want to consider selling them online. Your creative projects deserve more than to collect dust on a shelf. Sell them on etsy or any of these 20 sites and you might develop a booming little side hustle.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000024530979_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter?ref=fbf">How to Make $400+ a Week as a Pet Sitter</a> &mdash; Believe it or not, you can make a solid income from walking dogs, and hanging out at other people's homes with their pets. You will obviously need to care for their pets and keep things tidy, but it's not a bad way to earn extra money, especially if you're an animal lover.</p> <p><a href="http://www.wisebread.com/6-ways-to-make-extra-money-using-social-media?ref=fbf">6 Ways to Make Extra Money Using Social Media</a> &mdash; If you're a social media maven and have accrued a large mass of followers on your own, here are six brilliant ways to make some cash from your likes and shares. Becoming a brand ambassador or influencer can land you a load of free stuff and potentially a decent chunk of change. Cha-ching!</p> <p><em>What are some other fun side jobs? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/check-out-these-5-legit-mystery-shopping-gigs">Check Out These 5 Legit Mystery Shopping Gigs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-holiday-gigs-that-are-perfect-for-introverts">5 Holiday Gigs That Are Perfect for Introverts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting easy jobs extra income fbf flashback friday fun jobs job search jobs make money side hustles side jobs Fri, 13 May 2016 10:00:10 +0000 Chrissa Hardy 1708887 at http://www.wisebread.com 17 Part-Time Jobs to Do While Your Kids Are at School http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/17-part-time-jobs-to-do-while-your-kids-are-at-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_home_000089876851.jpg" alt="Woman doing part-time jobs while her kids are at school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Balancing parenting and work can be a challenge, especially if you have young children. With school days ending in the early afternoon, many working parents have to get additional after-school care if they want to work a full-time job. Like many parents out there, I would love to have the flexibility to work during school hours, and be able to be home when my kids are done with the school day.</p> <p>While they may be harder to find, there <em>are</em> jobs out there that are either part-time, or work within the school schedule, giving you time with your kids <em>and</em> the ability to contribute to the family income. (See also: <a href="http://www.wisebread.com/6-best-jobs-for-working-moms-and-dads?ref=seealso">6 Best Jobs for Working Moms and Dads</a>)</p> <h2>1. School Jobs</h2> <p>It's obvious, but one of the best ways to work during school hours is to work at a school. You could get credentialed as a classroom teacher, but there are also many other support positions available at schools. These include: teacher's aides, bus drivers, cafeteria staff, administrative assistants, counselors, nurses, speech therapists and other instructional specialists, as well as substitute teachers.</p> <p>Some of these positions require specialized education; others do not. In California, for instance, the requirements for being a substitute teacher are having a bachelor's degree and passing a reading/math/writing test. One huge benefit of working at a school is that you can be on break during the summer just as your kids are, reducing the need for additional childcare.</p> <h2>2. Freelance Writer/Editor/Proofreader</h2> <p>Freelance jobs give you the flexibility to set your own hours and work as much or as little as you'd like. However, they usually don't offer benefits, and may not always provide a steady income. They may also require a significant amount of unpaid legwork looking for gigs and drumming up business.</p> <p>Freelance writing, editing, or proofreading jobs are perfect for working from home, and all you need is an Internet connection and a word processor. If you are gifted with words, blogging or copywriting might be a good fit. A few online courses could also prepare you for a part-time job as an editor or proofreader. (See also: <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=seealso">22 Websites That Will Pay You to Write for Them</a>)</p> <h2>3. Freelance Artist or Designer</h2> <p>I know of several people who are working flexible jobs in creative fields. One is a freelance graphic artist who designs wedding and party invitations, as well as websites. Another does beautiful calligraphy and watercolor art for weddings and events, and has collaborated with various companies to put her designs on phone cases and other products. If you love being creative, consider turning your hobby into a career as a freelance artist.</p> <h2>4. Sell Stuff Online</h2> <p>It has become increasingly easy to sell things via e-commerce platforms like eBay, Etsy, Amazon Marketplace, and even social media platforms like Instagram and Facebook. Do you love thrifting? Consider selling some of your vintage finds or name brand clothing. Are you crafty or artistic? You could open a small business selling jewelry, handicrafts, cards, baby accessories, and more. I know one stay-at-home-mom who started a business selling a monthly beauty subscription box. If you want to sell on a larger scale, you could also try starting your own e-commerce store.</p> <h2>5. Fitness Instructor</h2> <p>Yoga and Pilates instructors, personal trainers, and other fitness instructors often have a great deal of flexibility to set their own hours, whether they work at a studio or on their own. If you're already a fitness buff, consider turning something you enjoy into a money-making venture.</p> <h2>6. Teacher</h2> <p>If you enjoy teaching, there are many part-time opportunities to share your knowledge without being tied to a 9-to-5 workday. Many learning centers, language schools, private schools, community colleges, and music schools may hire teachers or tutors for just a few hours a day. True, some of these hours may be in the evening, but it may be easier to arrange for a partner, grandparent, or babysitter to watch the kids in the evening after traditional work hours.</p> <h2>7. Online Tutor</h2> <p>Tutoring or teaching online is now a great option for people looking to work from home. With your computer, a headset, and a high-speed Internet connection, you can teach people from all over the country (or the world) from the comfort of your couch.</p> <h2>8. Offer In-Home Daycare</h2> <p>If your children can get transportation to and from their schools, allowing you to stay at home, you might be able to operate an in-home daycare. This can be a great way to care for your own children while making some extra money. Be aware of the licensing requirements in your state, though. If you're caring for children from more than one family, you probably need to be licensed.</p> <h2>9. Test Scorer</h2> <p>Standardized testing is a big part of the education system these days, and all those tests need people to score them. For instance, <a href="http://www.pearsonassessments.com/careers.html">Pearson Assessments</a> hires college-educated people to score tests and essays from home, on a flexible schedule.</p> <h2>10. Freelance Bookkeeper or Tax Preparer</h2> <p>Help a small business owner by keeping track of their accounts and helping them with quarterly taxes. This kind of work is often very flexible and, aside from meetings with your clients, can be done anytime during the day. While an accounting background can be helpful, it's not necessary as long as you have a good head for numbers and can learn to use some of the many accounting software tools available.</p> <h2>11. Freelance Photographer</h2> <p>If you're gifted with a camera, doing family portraits, product photography, and even wedding and event photography can be a good part-time job. While you often have to work weekends for events, you can do the rest of the work &mdash; such as editing and retouching &mdash; on a flexible schedule.</p> <p>Don't forget, there's also money in stock photography. Submit stock photos to sites like <a href="http://www.shutterstock.com/">Shutterstock </a>and <a href="http://www.istockphoto.com/">iStockPhoto</a>, and you'll be paid every time someone purchases your image. My husband submitted a few dozen photos and graphics several years ago, and we still earn passive income every month even though he no longer has the time to submit new photography.</p> <h2>12. Social Media Manager</h2> <p>The explosion of social media has opened up a whole new field of employment. Because you can manage social media accounts remotely, these jobs are often quite flexible. Many businesses hire social media managers to generate content and post to their Instagram, Twitter, and Facebook accounts, as well as interact with their audience online. If you are naturally good at social media and find it easy to gain followers, this might be just the job for you.</p> <h2>13. Party Planner</h2> <p>If you're known in your social circle as the parent who always throws the perfect party, you might be able to put those skills to use as a party planner. Yes, parties often take place on weekends, but you can do a lot of the prep work while your kids are at school.</p> <h2>14. Translator</h2> <p>If you are fluent in more than one language, doing online translation can pay quite well, depending on the company and content. The best thing is, doing online translation work is often very flexible, as long as you can meet your deadlines.</p> <h2>15. Online Customer Service Agent</h2> <p>Many companies now source their customer service agents from people working from home. Depending on the company, you might answer using your Internet connection and computer, or via your cellphone. Often these programs are flexible and you can work whenever you want. Check out sites like <a href="http://www.workingsolutionsjobs.com/">Working Solutions</a> as a place to start.</p> <h2>16. Administrative Assistant</h2> <p>Often, offices require extra help for clerical work on a part-time basis. You may be able to find administrative work on a part-time basis for a few hours a day. Think outside traditional offices and broaden your options with churches and other religious organizations, small businesses, and self-employed entrepreneurs who might need a personal/administrative assistant.</p> <h2>17. Driver and Delivery Services</h2> <p>Companies like <a href="https://www.uber.com/">Uber</a>, <a href="https://www.lyft.com/">Lyft</a>, <a href="https://www.doordash.com/">Doordash</a>, <a href="https://postmates.com/">Postmates</a>, <a href="https://flex.amazon.com/">Amazon Flex</a>, and more have made it easy for people to hire drivers and couriers through an easy-to-navigate app. You'll need a car and a smartphone, but you can set your hours whenever it's convenient for you &mdash; though you'll make more at certain times than at others.</p> <p><em>What other jobs can be done during school hours? Let us know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">5 Unexpected Side Benefits of Your Side Hustle</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-more-money-as-an-uber-driver">How to Get a High Rating and Make More Money as an Uber Driver</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Family Job Hunting extra income freelancer part-time job side hustle side job stay-at-home mom working mom Mon, 02 May 2016 09:00:05 +0000 Camilla Cheung 1700127 at http://www.wisebread.com Here's How Spending 3% On You Will Advance Your Career http://www.wisebread.com/heres-how-spending-3-on-you-will-advance-your-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-spending-3-on-you-will-advance-your-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000089208971_Large.jpg" alt="Spending on herself to advance her career" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Never underestimate the value of investing in yourself. Many professionals seem to miss out on the importance of it. People are more likely to treat themselves to a new outfit or a nice dinner out, but when it comes to increasing their knowledge and business skills, somehow there isn't room in the budget.</p> <p>Some of the most successful individuals in the business world believe in the power of investing in yourself. Brian Tracy,&nbsp;<a href="http://amzn.to/1qdHt4l">bestselling author of over 70 books</a>, said, &quot;Here is a rule that will guarantee your success, and possibly make you rich: Invest 3% of your income back into yourself.&quot;</p> <p>Similarly, Warren Buffett, one of the richest and most respected businessmen in the world, said, &quot;Investing in yourself is the best thing you can do. Anything that improves your own talents; nobody can tax it or take it away from you.&quot; (See also:&nbsp;<a href="http://www.wisebread.com/6-pearls-of-career-wisdom-from-brian-tracy?ref=seealso">6 Pearls of Career Wisdom From Brian Tracy</a>)</p> <h2>Does It Actually Work?</h2> <p>The idea of investing in yourself is not just motivational, business fluff. It truly can be the tool that helps you to make more and advance in your career. If you are constantly growing your skills in your field, you are constantly becoming more valuable in your field, and becoming an important asset for your company. Your employer will want to pay their top employees more, and if they don't, another company surely will.</p> <p>Asking for promotions or getting hired in a better paying position is easier to do with more experience and knowledge you gain. A common misconception is that your college degree is all you need to succeed. If you earn your degree and secure a good position, then you cannot just rely on experience alone to move you up the ranks. In fact, you might get passed up by younger professionals who have more up-to-date training.</p> <p>On a personal note, my husband has been pursuing a degree over the past few years and has earned several IT certifications. Similarly, his salary has increased over $20,000 in those three years. I truly believe my husband's increased salary is directly related to investing his time and money to learn as much as he can. Not only has he become more knowledgeable, but he has also become more confident in his craft.</p> <h2>How Much Should You Invest?</h2> <p>There is no set rule of how much you should invest, but Brian Tracy's idea of 3% of your income is a good principle. Of course, you can always invest more. Some companies even offer reimbursement for tuition and certifications, making it easier to invest the 3%.</p> <p>How much is 3% to the average professional? If you earn $55,000, you should aim to invest $1,650 back into yourself each year, or $137.50 each month. That may seem like a daunting number if you are on a tight budget, but if you are able to earn $58,000 the following year, you will have almost doubled your investment.</p> <h2>Knowing What to Invest In</h2> <p>You should invest in building the knowledge and skill set that will get you to your next promotion or pay raise. Don't make the mistake of investing in the next big, profitable thing. For example, when real estate was a hot market before the crash in 2007-2008, it seemed like everyone was a real estate agent on the side. When the real estate market crashed, many professionals were safe because they had their full-time jobs, that was completely unrelated, but they had spent all of their time learning to be real estate agents, rather than growing in their full-time field.</p> <p>If you are not sure what certificates, training, or education you should invest in, think about the position in your company that you would like to have. The next step is to ask coworkers in that position what special training and certificates they have. If possible, ask your boss what is needed to move up to the next position in your company. If those two suggestions do not work, look at job listings for positions you would like to have. What are the qualifications needed and desired?</p> <h2>Ideas for Investing in Yourself</h2> <p>Here are just a few self-investment ideas, and how to grow your knowledge and experience:</p> <ul> <li>College degree;</li> <li>Certifications;</li> <li>Seminars and workshops;</li> <li>Books;</li> <li>One-on-one consulting with top experts in your field;</li> <li>Classes and courses in related business areas, such as social media marketing, communication, productivity, and accounting.</li> </ul> <p>Investing in yourself doesn't just stop with learning new skills, though. Improving your physical and mental health will directly affect your workplace performance. Investing in areas that inspire your creativity, such as learning a new language or taking a graphic design course, could also put you ahead at work. (See also:&nbsp;<a href="http://www.wisebread.com/11-ways-a-second-language-can-boost-your-career?ref=seealso">11 Ways a Second Language Can Boost Your Career</a>)</p> <p>If you want to grow in your career, then you have to grow as a person. Make yourself a valuable employee at your company by developing expert skills that set you apart from the rest of your coworkers.</p> <p><em>How do you invest in yourself each year? Have you seen a difference in your income?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/heres-how-spending-3-on-you-will-advance-your-career">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-places-to-find-cheap-or-free-education">6 Places to Find Cheap (or Free!) Education</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-succeed-as-an-online-student">How to Succeed as an Online Student</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-create-a-financial-5-year-plan">How to Create a Financial 5 Year Plan</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-the-holiday-quiet-time-to-boost-your-career">How to Use the Holiday Quiet Time to Boost Your Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-jobs-proven-to-make-you-live-longer">5 Jobs Proven to Make You Live Longer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Personal Development education extra income invest make more money professional growth training Thu, 14 Apr 2016 09:30:24 +0000 Ashley Eneriz 1689531 at http://www.wisebread.com 5 Unexpected Side Benefits of Your Side Hustle http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-unexpected-side-benefits-of-your-side-hustle" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000082653433_Large.jpg" alt="getting unexpected benefits from a side hustle" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The quirky cool girl you always see knitting on the train? Her side hustle is selling on Etsy. The tech support guy you sometimes sit with at lunch? He does his own freelance web design. And that chatty stranger who stopped you in the street to take an Instagram photo of your outfit? She's hustling, too, with her commercialised blog.</p> <p>Everyone is at it. The side hustle in all its forms is a distinctly Millennial concept. With more options than ever, you might be tempted. Here are five unexpected reasons why you should get hustling today.</p> <h2>1. Compound Interest</h2> <p>One of the main draws to starting a side hustle is the option to bring in some extra cash. Which is great if you have a handbag habit or exotic vacation to fund. But where this gets really, ahem, interesting, is interest &mdash; compound interest, to be precise.</p> <p>Money earned and invested while you're young is worth more to you than money earned when you're further down your career path. Simply by saving the income from a single high school summer job, you could use compound interest to beat the average American pension pot. (See also: <a href="http://www.wisebread.com/this-is-how-rich-youd-be-if-youd-saved-the-money-you-earned-in-high-school?ref=seealso">This Is How Rich You'd Be If You'd Saved the Money You Earned in High School</a>)</p> <p>But the early years are precisely when we are least inclined to cut our costs to pay off student debt or start investing in a 401K. That's where the side hustle comes in. Prop up your earnings, and use the extra to invest. You won't regret it.</p> <h2>2. Unemployment Insurance</h2> <p>When the <a href="http://www.wisebread.com/robots-will-take-over-these-5-jobs-soon-is-one-of-them-yours">robots come to take over your job</a>, do you have a plan B?</p> <p>Your side hustle might be your perfect insurance against unemployment in a world where organizational change and layoffs are all too familiar. Pick a field where you can develop marketable skills, and even if the worst should happen, you can fall back on them to earn your keep.</p> <p>Tech-based side hustles are particularly useful in this respect, as you learn the skills that will be really in demand in the next few years. But don't forget the more traditional practical skills people seek out, like hairdressing, beauty services, and skilled trades.</p> <h2>3. Increased Confidence</h2> <p>If you're not sure what your side hustle could be, then pick something that takes you out of your comfort zone. Learning a new skill and pushing your own boundaries will do wonders for your confidence, as well as building a business.</p> <p>Try building on a skill you're already confident in, but in a way that stretches your boundaries. For example, if you play a musical instrument well, offer lessons to improve your teaching technique, or design an interactive web course to share your knowledge with other learners.</p> <p>Technology makes it easier than ever to find creative ways to connect with people who might be interested in your knowledge, products, or skills. Treat it as a challenge to increase your own experience level while earning on the side.</p> <h2>4. Creating New Passions</h2> <p>Turning something that's currently a hobby, into an income generator is a sure way to make sure you dedicate more time to it. Rather than feeling a slightly guilty twinge when you &quot;waste time&quot; on your passion, you're investing in your business and yourself.</p> <p>Even better, you might discover new passions and interests along the way. These can help keep you fresh and interested, and give breadth outside the usual industry silos we get trapped in.</p> <h2>5. Professional Development</h2> <p>Even if you have no expectation that you will change your career course, your side hustle can add value to the day job. Most of us need to practice continued professional development, and the side hustle can be a good way to do that while profiting from your efforts.</p> <p>For the best results, choose a route that allows you to develop skills to complement the work you do on a daily basis. If you work in an area that values vocational skills, you could become a trainer or assessor for the relevant qualifications. In a large team environment or in a corporate setting, think about training as a coach or mentor, to add value in your day job as well as build your freelance business. If you're a skilled writer or public speaker, deepen your knowledge of a niche area related to your job and write for industry magazines, or pitch to present at conferences. These are all ways to bring in additional income, while also improving your prospects in your main employment.</p> <p>It's easy to see why more and more of us are seeking out a side hustle to add some variety to our working life. From offering a creative outlet and allowing for further personal and professional development, the benefits go far beyond the immediate cash boost you can get from taking on some extra work.</p> <p><em>Do you have a side hustle that changed your life? Let us know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-more-money-as-an-uber-driver">How to Get a High Rating and Make More Money as an Uber Driver</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-i-learned-about-money-after-i-went-freelance">7 Things I Learned About Money After I Went Freelance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income benefits extra income freelance hustle part-time job side hustle side job Wed, 06 Apr 2016 09:00:14 +0000 Claire Millard 1685571 at http://www.wisebread.com 7 Lessons I Learned About Money After Living in Mexico http://www.wisebread.com/7-lessons-i-learned-about-money-after-living-in-mexico <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-lessons-i-learned-about-money-after-living-in-mexico" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_world_traveler_000051400400.jpg" alt="Woman learning money lessons after living in Mexico" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Commercial trade between the United States and Mexico is very important for both nations.</p> <ul> <li>Just in January 2016, the United States <a href="https://www.census.gov/foreign-trade/balance/c2010.html">exported $18 billion</a> in goods to Mexico.<br /> &nbsp;</li> <li>An estimated one million American citizens <a href="http://www.state.gov/r/pa/ei/bgn/35749.htm">live in Mexico</a>.<br /> &nbsp;</li> <li>In 2013, over 20 million U.S. tourists visited Mexico and over 14 million Mexican tourists visited the U.S., spending about $10.5 billion.</li> </ul> <p>For three years, I had the wonderful opportunity to experience what it is to live in Monterrey, Mexico and learned several important financial lessons that I apply here in the United States. Here are the seven lessons about money that I learned after living in Mexico.</p> <h2>1. Invest in a College Degree</h2> <p>Founding Father Ben Franklin said it best: &quot;An investment in knowledge pays the best interest.&quot;</p> <p>My bachelor&rsquo;s degree allowed me to land a teaching job at Prepa Tec, the high school system of the Tecnologico de Monterrey university system, which included a fully-funded sponsorship to complete a master&rsquo;s degree in Education. I was able to complete a postgraduate degree with zero debt and boost my future earnings potential.</p> <p>Given that the Millennial generation is much more interested in traveling abroad than older generations, I would advise my peers to invest in a college degree to combine a passion for travel with the opportunity to earn money. (See also: <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers?ref=seealso">The 3 Best Jobs for Expats and Travelers</a>)</p> <p>It's worth mentioning that having at least a bachelor's degree <a href="http://www.usnews.com/education/best-colleges/articles/2011/08/05/how-higher-education-affects-lifetime-salary">increases your lifetime earnings</a> by $1 million over those from folks with just a high school diploma, and increases your <a href="http://www.cdc.gov/media/releases/2012/p0516_higher_education.html">chances of better health</a>, too.</p> <h2>2. Keep an Eye on Other Currencies</h2> <p>While living in Mexico, I had to keep a close watch on the U.S. dollar-Mexican peso exchange rate for several reasons. For one, I still had a checking account back in the U.S. and crossed the border several times for shopping and tourism. After a couple months of tracking this number, I learned how to simultaneously buy and sell currencies in order to profit from a difference in the price (also known as &quot;arbitrage&quot;).</p> <p>By keeping an eye on foreign currencies, you may be able to take advantage of many financial opportunities. For example, for the past two years, the U.S. dollar has appreciated against several currencies, including the Brazilian real, the Chilean peso, and the euro, making your foreign vacation plans much more affordable.</p> <h2>3. Review Your Employer's Benefits Package</h2> <p>Working for an educational institution may not sound as sexy as working for a hot startup. However, in my case, it offered me comparable benefits and perks. Established in 1943, the Tecnologico de Monterrey has over 30 campuses in Mexico and 13 campuses abroad. The size of this institution allows it to broker great deals for its employees, including layaway programs, discounts at retailers, and financial services at better rates. I had access to all gyms in the six campuses in Monterrey and was able to purchase a laptop at a discounted price through an automatic payroll deduction program.</p> <p>Don't underestimate the ability of your employer to provide you better benefits and take a second look at what you're currently being offered. For example, your employer may provide you an online portal for discounted goods and services, such as electronics and travel options or individual investment advice offered on a one-on-one basis through your retirement plan. Particularly, take ownership of your retirement planning because nearly half of 401K plan owners don't know what their best investment options are.</p> <h2>4. Check the Fine Print on All Your Contracts</h2> <p>A credit card agreement, cell phone plan, or other type of contract can go further than you think. While living in Monterrey, I met several U.S. expats that would still use the same credit cards, cell phone plans, or insurance plans from across the border for several reasons. Here are some examples:</p> <ul> <li>Certain credit cards charge <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation">no foreign transaction fees</a>.<br /> &nbsp;</li> <li>Other credit cards offer <a href="http://www.wisebread.com/how-to-take-advantage-of-free-extended-warranty-from-your-credit-card-issuer">free extended warranties</a>.<br /> &nbsp;</li> <li>Most monthly AT&amp;T Go-Phone plans include unlimited text messaging from the U.S. to <a href="https://www.att.com/shopcms/sharedcontent/en/legal/WirelessOffers/PlansServicesFeatures/GoPhone/gophone_internationallongdistancelander/jcr:content/desktoplegal/legalsharedcontent.modal.html">over 100 countries</a>.<br /> &nbsp;</li> <li>Most primary auto insurance policies cover your rental vehicle up to the limits of your policy.<br /> &nbsp;</li> <li>What's not covered through your primary car insurance, such as deductibles and loss-of-use charges, may be picked up through the <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">secondary coverage of your credit card</a>.</li> </ul> <h2>5. File Your Taxes When Living Abroad</h2> <p>If you were to choose to live in Mexico for three years like I did, your entire family would miss you a lot, particularly your good ol' Uncle Sam. He'd miss you so much that he'd ask you to still check in with him every year. Yes, all U.S. citizens and green card holders are still liable to file their federal tax returns, even when abroad.</p> <p>Your worldwide income is subject to U.S. income tax, regardless of where you reside. The good news is that the IRS grants U.S. citizens and resident aliens living outside of the United States and Puerto Rico an <a href="https://www.irs.gov/Individuals/International-Taxpayers/U.S.-Citizens-and-Resident-Aliens-Abroad---Automatic-2-Month-Extension-of-Time-to-File">automatic two-month extension</a> to file their return (June 18th in 2016). The bad news is that you would still pay interest on any tax not paid by the regular due date of your return (April 18th in 2016). (See also: <a href="http://www.wisebread.com/filed-an-extension-heres-what-you-need-to-know?ref=seealso">Filed an Extension? Here's What You Need to Know</a>)</p> <p>Because many countries have tax treaties with the U.S., research for applicable treaties, including tax exemptions for certain professions.</p> <h2>6. Make Your Air Miles Go the Extra Mile</h2> <p>Before I moved to Mexico, I had accumulated a lot of reward miles &mdash; but I had been unable to use them, because of various restrictions and confusing terms. So frustrating!</p> <p>In Mexico, the process was a lot simpler, and I soon realized how much further I could travel with my existing air miles within Mexico and to South America. I was able to score a trip from Monterrey, Mexico to Guayaquil, Ecuador (roughly the same distance as a flight from New York to Seattle) for far fewer points for an equivalent trip within the U.S. (See also: <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had?ref=seealso">12 Travel Perks You Didn't Know Your Credit Card Had</a>)</p> <p>And there's more. You can also redeem frequent flier miles for additional items, including car rentals, hotel stays, magazine subscriptions, and VIP experiences.</p> <h2>7. Seek Additional Sources of Income</h2> <p>Before living in Mexico, I had a very traditional view on work: You only have one full-time job. Through my work at Prepa Tec I quickly discovered that lots more opportunities were available to me:</p> <ul> <li>My native proficiency in Spanish allowed me to translate a couple of course materials at the college level to English;<br /> &nbsp;</li> <li>My presentation skills enabled me to become an instructor for a graduate level admissions exam; and<br /> &nbsp;</li> <li>My computer skills turned out to be great assets to create music sequences for an electro pop band!</li> </ul> <p>While it may be counterintuitive, people with higher levels of education are more likely to <a href="http://www.usatoday.com/story/money/business/2014/01/21/states-people-working-two-jobs/4719485/">have multiple jobs</a> than those without. For those who aren't able to get a raise, or got the average 3% salary bump, or are looking to boost their budget or savings, secondary sources of income are a good idea. With the rise of the gig economy, there are many ways to <a href="http://www.wisebread.com/13-ways-to-make-money-online-that-arent-scams">make money online</a> that are absolutely legit, including driving your car for Uber or Lyft or becoming a virtual assistant for Zirtual or Fancy Hands.</p> <p><em>What money lessons did you learn after living abroad?</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-lessons-i-learned-about-money-after-living-in-mexico&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%20Lessons%20I%20Learned%20About%20Money%20After%20Living%20in%20Mexico.jpg&amp;description=7%20Lessons%20I%20Learned%20About%20Money%20After%20Living%20in%20Mexico" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Lessons%20I%20Learned%20About%20Money%20After%20Living%20in%20Mexico.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-lessons-i-learned-about-money-after-living-in-mexico">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-almost-anyone-can-afford-to-retire-in-mexico">How Almost Anyone Can Afford to Retire in Mexico</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries">Retire for Half the Cost in These 5 Countries</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-places-to-get-free-personal-finance-classes">10 Places to Get Free Personal Finance Classes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-personal-finance-books-you-should-read">6 Personal Finance Books You Should Read</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed">4 Top Money Lessons to Learn From Ruth Soukup&#039;s &quot;Unstuffed&quot;</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Travel air miles education extra income foreign countries living abroad mexico money lessons Thu, 31 Mar 2016 09:30:30 +0000 Damian Davila 1678004 at http://www.wisebread.com 12 Ways to Save and Make Money While Traveling http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-to-save-and-make-money-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000068178575.jpg" alt="Woman finding ways to save and make money while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What is the sharing economy, and how can it work for you? Based on the principle that people can share excess goods, peer-to-peer, it's a way to get what you need and share what you no longer use without a corporate middleman.</p> <p>The sharing economy brings a practice formerly reserved for small transactions among friends to a regional, or even global scale. Now you can rent the extra room in your house to a complete stranger for cash, or you can share your knack for making excellent chicken pot pie with more than just your friend circle by hosting people you don't know yet for dinner &mdash; for a fee.</p> <p>At first, I was skeptical. Sharing my time and space with perfect strangers seemed like an odd and even dangerous way to make a buck. However, with newcomers exploding onto the scene all the time, changing the way we do business with each other, it started to become financially irresponsible <em>not</em> to at least dabble. These days, harnessing the sharing economy is my primary way of saving money when I travel, which is 365 days of the year.</p> <p>Here are some of the most clever ways to utilize the sharing economy before and during your travels to save money for your trip, and once you're on the road.</p> <h2>1. AirBnB</h2> <p><strong>Before you go</strong>: Paying rent can seriously eat into travel savings, but you can make some money while you're away by renting out your place at AirBnB. If you're not using it, you may as well make it work for you. Some people make a <a href="http://www.wisebread.com/this-is-how-you-rent-your-place-on-airbnb-and-succeed">sizable chunk of earnings</a> off this service alone. Make sure to look into the rules and regulations for holiday rentals in your area, and check with your landlord, if you have one, before listing your place.</p> <p><strong>On the road</strong>: While traveling, renting rooms with AirBnB will often prove much cheaper than hotel rooms &mdash; while providing access to a kitchen for cooking rather than eating out, and lending to a more local experience. I found that in many countries, a private room with an ensuite bathroom was even cheaper than a shared dorm room in a hostel. Who would have thought? (See also: <a href="http://www.wisebread.com/25-hotel-hacks-from-professional-travelers?ref=seealso" target="_blank">25 Hotel Hacks From Professional Travelers</a>)</p> <h2>2. Camp in my Garden</h2> <p><strong>Before you go</strong>: If renting out space within your home isn&rsquo;t an option, <a href="http://campinmygarden.com">Camp in my Garden</a> allows you to rent out your yard. That's a space that you probably don't use 24/7, so why not rent it out?</p> <p><strong>On the road</strong>: If you love camping and want cheap digs, consider taking your tent along and turning places that previously seemed impossible for campers (like urban spaces) into a whole new travel experience.</p> <h2>3. JustPark</h2> <p><strong>Before you go</strong>: Say you don't even have space in your backyard, but there's a parking spot you're not using that you could rent out from time to time &mdash; like when you're at work &mdash; in an area where parking is limited. Make that spot work for you by renting it out on <a href="https://www.justpark.com/">JustPark</a>.</p> <p><strong>On the road</strong>: Parking lot fees and expenses can add up quickly. Look into the options near you, and see if you can save some money by parking with a local who has excess space.</p> <h2>4. Uber</h2> <p><strong>Before you go</strong>: If you live in a city or live your life in such a way that you truly need a car, make up for this expense by <a href="http://uber.7eer.net/c/27771/207645/3437">giving rides to people through Uber</a>. Both drivers and passengers have peer reviews, and no money is exchanged between parties, making it a safer and easier transaction.</p> <p><strong>On the road</strong>: Uber exists all over the world, including most of Europe, South Africa, and even India. It's often a much cheaper, less scammy, and safer alternative to a taxi. It was my chief method of getting around in Johannesburg, South Africa, which doesn't have public transport and isn't safe to walk around. And I felt safer since the app tracked me from pick-up to drop off.</p> <h2>5. FlightCar</h2> <p><strong>Before you go</strong>: If Uber isn't your cup of tea, or if you don't have time to devote to driving, rent your car out to others on <a href="https://www.flightcar.com/">Flightcar</a>. Save the fees you'd pay to the parking meter and make your car work for you when you aren't using it.</p> <p><strong>On the road</strong>: In true sharing economy fashion, while someone else is making use of your car, do the same by renting a car that&rsquo;s already sitting at the airport from another traveler, and enjoy ultimate vacation flexibility for less than a rental from the big guys.</p> <h2>6. Relay Rides</h2> <p><strong>Before you go</strong>: If you don't have time to drive others around and don't have any trips coming up, rent your car out short-term with <a href="https://relayrides.com/">Relay Rides</a>. Rentals can be as short as an hour or two.</p> <p><strong>On the road</strong>: Don't need a car for a full several days or weeks? Just rent a car for an hour to get across town and back if that's all you need.</p> <h2>7. SpinLister</h2> <p><strong>Before you go</strong>: Do you have a bike that's collecting dust? Do you go away for long periods of time, leaving your wheels idle? Rent it out to others on <a href="https://www.spinlister.com/">SpinLister</a> when you don't need it yourself.</p> <p><strong>On the road</strong>: Day-use bicycle rentals can become costly, especially in big cities or beach towns. In much of Europe, for example, a bicycle is the easiest and cheapest way to get around, so look into renting from a local rather than a company to save some cash.</p> <h2>8. EatWith</h2> <p><strong>Before you go</strong>: Are you a talented chef? Take your dinner party game past your circle of friends and invite guests to come together at your dinner table for a fee with <a href="http://www.eatwith.com/">EatWith</a>. Run your own restaurant from home.</p> <p><strong>On the road</strong>: EatWith is a great resource for solo travelers and groups alike. Share the cost of a private chef with several people, and make new friends in the process. (See also: <a href="http://www.wisebread.com/31-super-smart-travel-hacks?ref=seealso" target="_blank">31 Super Smart Travel Hacks</a>)</p> <h2>9. Vayable</h2> <p><strong>Before you go</strong>: Are you particularly knowledgeable about the area where you live? If your town or city gets a fair amount of tourist traffic, there could be an opportunity for you to show people around and share your local knowledge for some cash through <a href="https://www.vayable.com/">Vayable</a>. Get creative: tours can be as niche as showing people around the best organic farmers markets in San Francisco, or a walking tour of Berlin's street art, for example.</p> <p><strong>On the road</strong>: Tour companies can be expensive. What better way to get to know a place than by checking it out with a local and meeting other travelers in the process? (See also: <a href="http://www.wisebread.com/5-cheap-fun-fall-getaways?ref=seealso" target="_blank">5 Cheap, Fun Fall Getaways</a>)</p> <h2>10. Thredup</h2> <p><strong>Before you go</strong>: What is sitting in your closet that you haven&rsquo;t worn for a year or more? Pick through the racks and let go of the things that you no longer use, and rather than getting pennies on the dollar at a consignment store, try selling on <a href="http://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=395939.79&amp;type=3&amp;subid=0">Thredup</a> to your peers.</p> <p><strong>On the road</strong>: Do you live in a warm climate but are heading somewhere cold for a few days? I found myself in this situation as a Californian packing for Iceland without many warm clothes. Quality winter gear can get expensive, so I had to get creative. Are you in a similar position? Buy gently used clothes you need for your journey for way less. (See also: <a href="http://www.wisebread.com/15-things-in-your-closet-you-can-throw-out-today?ref=seealso" target="_blank">15 Things in Your Closet You Can Throw Out Today</a>)</p> <h2>11. Yerdle</h2> <p><strong>Before you go</strong>: Have you ever bought something that you simply didn't end up using? Get rid of the guilt by selling those items through <a href="https://yerdle.com/">Yerdle</a>, and get more money for your items than you would by selling them to a used goods store.</p> <p><strong>On the road</strong>: Have you been aching for a new camera for your trip but can't shoulder the cost? Get brand new goods for your travels for cheaper.</p> <h2>12. Fon</h2> <p><strong>Before you go</strong>: <a href="https://corp.fon.com/en">Fon</a> allows you to share your Wi-Fi connection remotely with those passing through the area. Share the costs of that expensive Internet connection!</p> <p><strong>On the road</strong>: If you're like me, you still need to work on the road from time to time, and Wi-Fi can be a pain to find in some places, and quite costly to boot. Find cheaper connections by harnessing Fon's network.</p> <p>There are many creative ways to make the sharing economy work for you while benefiting others who are in the same situation. Thanks to new companies popping up every day that harness ways to directly share excess items or skills, saving up for a trip and preserving funds on the road keeps getting easier.</p> <p><em>What do you think? Would you give these companies a try? If you have, tell us about your experience in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kristin-addis">Kristin Addis</a> of <a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-digital-nomads-can-save-for-retirement">6 Ways Digital Nomads Can Save for Retirement</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-sneaky-vacation-costs-that-add-up-quickly">10 Sneaky Vacation Costs That Add Up Quickly</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-build-your-best-travel-budget">How to Build Your Best Travel Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel extra income making money saving money travel travel budget Tue, 29 Mar 2016 09:00:16 +0000 Kristin Addis 1645848 at http://www.wisebread.com 6 Side Jobs for People Who Are Good With Money http://www.wisebread.com/6-side-jobs-for-people-who-are-good-with-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-side-jobs-for-people-who-are-good-with-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000027802082_Large.jpg" alt="working a side job for people who are good with money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you good with money, but need more of it? There might be a great side job available for you to use your mad saving skills. Being good with money can go a long way. Just make sure your side hustle doesn't directly reflect your main gig, as this skill can open up plenty of opportunities for other side jobs. There is no reason to burn yourself out by accumulating disposable income. Here are six great side jobs for people who are spectacularly money savvy. (See also: <a href="http://www.wisebread.com/30-great-side-jobs?ref=seealso">30 Great Side Jobs</a>)</p> <h2>1. Tax Preparer</h2> <p>Did you know you can create a side job to do <a href="http://www.ivetriedthat.com/2014/07/31/how-to-earn-money-by-preparing-other-peoples-tax-returns/">people's taxes</a>? It's not as easy as making a Turbotax account and learning deductions, though. Some states require certifications, and getting bonded might be recommended to keep from being sued, but tax preparation can be lucrative. Check out a tax business like H&amp;R Block or Jackson-Hewitt before committing to this side job, but if you have the skills and want to spend some money up front to get started, go for it!</p> <h2>2. Bookkeeper</h2> <p>A bookkeeper is a must have for a small business or startup, and someone who is good with QuickBooks can go a long way. If you are savvy with QuickBooks &mdash; or even just tracking expenses in Excel &mdash; this is the perfect freelance position to go for. A knack for producing financial statements, and a willingness to take on that responsibility for a business makes you the perfect potential bookkeeper.</p> <h2>3. Writer</h2> <p>If you're good with money, you probably have some advice to give. So why not write for a blog? There's a great one by the name of, <em>ahem</em>, Wise Bread, that <a href="http://www.wisebread.com/make-money-writing-for-wise-bread">offers payment for writing</a>. You can also <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them">write for other blogs</a> based on your personal interests and passions, and earn a decent chunk of change doing so.</p> <h2>4. Teacher</h2> <p>Being good with money is a skill, and you should share it. There are great and easy ways to share skills on platforms like <a href="https://www.udemy.com/">Udemy</a> and <a href="https://www.pathwright.com/">Pathwright</a>. Also, you should consider teaching in person at a university or community college in your area. If you aren't a certified financial planner, steer clear of certain subjects, but basic budgeting skills are definitely transferable from person-to-person.</p> <h2>5. Cashier</h2> <p>If you're good with money, working the register at a retail or grocery store is a somewhat obvious position to take on. Being able to count money quickly, keeping up with transactions, and closing out at the end of the night is a valuable skill. You also will have to have a customer service heart, but that can come with the love of extra cash.</p> <h2>6. Tutor</h2> <p>Math is one of the hardest subjects for people to grasp. If you have a good hold on the subject because of your money skills, consider tutoring children and adults in algebra or other subjects. As finance classes are a requirement now in many schools, there may be an opportunity to teach that as well.</p> <p><em>What side jobs do you do for extra money? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/6-side-jobs-for-people-who-are-good-with-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-great-retail-jobs-for-working-parents">5 Great Retail Jobs for Working Parents</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads">12 Side Jobs for Stay-at-Home Moms and Dads</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting accountant extra income good with money money management part-time job side gig side jobs Tue, 22 Mar 2016 09:00:10 +0000 Jennifer Holder 1677121 at http://www.wisebread.com 6 Smart Ways to Make It Rain Today http://www.wisebread.com/6-smart-ways-to-make-it-rain-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-smart-ways-to-make-it-rain-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000079452745_Large.jpg" alt="thinking up a smart way to make it rain" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When money gets tight and you need a little extra cash, the last thing you should do is take out payday loans or add expenses to your credit cards. Before you do that, did you think to look under your mattress? Did you check your closet for unused items you might be able to sell or rent out? Don't wait until times get tough before you try these six smart ways to make it rain.</p> <h2>1. Couchsurf and Sublet Your Place</h2> <p>The people at Airbnb got it right. Yet, so many people are still afraid of the sharing economy and hosting strangers in their empty bedrooms &mdash; who might just be graduate students, traveling professionals, or airline stewardesses. So consider crashing on a friend's couch for a few nights and rent out your space &mdash; just make sure your lease doesn't prohibit it. In New York, it's the new normal. (See also: <a href="http://www.wisebread.com/the-11-best-websites-for-renting-your-extra-space?ref=seealso">The 11 Best Websites for Renting Your Extra Space</a>)</p> <h2>2. Find a One-Day Gig on Craigslist</h2> <p>People use Craigslist to post classified ads of all types, including one-day gigs. Job posters sometimes create ads for gigs in the jobs board, or you could simply search under &quot;gigs.&quot; For instance, check under food/bev/hosp and you might find gigs to staff events as servers or hosts. You might even end up with a steady flow of cash from occasionally picking up these temp jobs.</p> <h2>3. Smile for the Crowd at a Trade Show</h2> <p>If hamming it up in front of the camera is your thing, you could join an agency like <a href="http://www.models4tradeshows.com/">Models4TradeShows</a>. This site keeps a database of promo models to hire for ongoing local events. Find one in your area by doing a city search for promo modeling agencies or event staffing recruiters. &nbsp;</p> <h2>4. Be the Studio Audience</h2> <p>Get paid to attend the filming of popular daytime TV shows like <em>Beat Bobby Flay</em>, <em>Steve Wilkos</em>, and more. In order to make it rain joining local audiences, you'd obviously have to live in Los Angeles, the Tri-State area, Pennsylvania, or in a region like Atlanta, where these types of shows are filmed and produced.</p> <h2>5. Become a Tasker</h2> <p>Join <a href="https://www.taskrabbit.com/">TaskRabbit</a> and become a Tasker. This will require you to spend some time creating a profile and being selected for tasks, but it's worth it for well-paying gigs. The company pre-screens it's clients and handles the money transactions for you, so you always know you'll get paid.</p> <h2>6. Just Let It Go</h2> <p>Sell your unwanted and unused stuff on <a href="http://www.letgo.com/">letgo</a>. And don't worry, it doesn't matter what it is, how old it is, or how worn out or beat up it is. Sellers on letgo are advertising everything from a beat up old pickup trucks, Tickle Me Elmos, and brand new motorcycles.</p> <p><em>When money is tight for you, how do you earn extra cash? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/6-smart-ways-to-make-it-rain-today">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-easiest-items-to-flip-for-cash">10 Easiest Items to &quot;Flip&quot; for Cash</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">5 Unexpected Side Benefits of Your Side Hustle</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/100-ways-to-make-more-money-this-year">100+ Ways to Make More Money This Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash">12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income cash extra income income make it rain sell your stuff side job Spending Money Fri, 18 Mar 2016 10:00:07 +0000 Qiana Chavaia 1675101 at http://www.wisebread.com 10 Great Side Jobs for Extroverts http://www.wisebread.com/10-great-side-jobs-for-extroverts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-great-side-jobs-for-extroverts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000028310364_Large.jpg" alt="yoga is a great side job for an extrovert" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Throughout my entire life, I've always had a second job, and all of them have included direct interaction with other people. And I thoroughly enjoy human interaction. Not only is it additional income, but it also provides me an ongoing opportunity to observe and understand human nature. This is an extrovert's paradise.</p> <p>If you're looking for a 5-9 to help pay the bills, that also allows you to tap into your social side, consider the options below. Oh, and make sure you pick a second job that is in no way related to your first job, or you might get burnt out. (See also: <a href="http://www.wisebread.com/10-things-you-must-know-about-money-before-you-take-a-side-job?Ref=seealso">10 Money Moves You Need to Make Before You Take a Side Job</a>)</p> <h2>1. Airbnb Host</h2> <p>Being a great Airbnb host is an art form. Not only do you need to vet every person who will share your home, but you should also be hospitable by greeting them and telling them about the best local places to go. That being said, make sure you understand when to give a guest their space, as an overzealous Airbnb host can prompt bad ratings.</p> <h2>2. Tour Guide</h2> <p>Tour guides not only get to meet out-of-towners, but also get to show their personality while talking about fascinating local subjects. Your town might have a ghost tour, historical tour, bike tour, or walking tour that you could check out. It's a fun job and stress-free once you know what you're talking about.</p> <h2>3. Yoga Teacher</h2> <p>Becoming a certified yoga instructor will not only give you peace of mind, but will also give you a chance to help others become healthier or more peaceful. I have some friends who are yoga instructors and create their own schedules, essentially. You will need to guide a room full of people into poses that might be foreign to them &mdash; so excellent communication skills are a must. The upfront fee to become a yoga instructor can be pricey, but once you do, the benefits can far outweigh the cost.</p> <h2>4. Uber Driver</h2> <p>Much like Airbnb, being a good Uber driver is contingent on your ability to deal with people. Having bottles of water in the car, greeting your customers with a smile, and reading the room on how much you should be talking are all essential elements of a good Uber rating. We had an Uber driver in New Orleans that made us late for a reservation because she took the long way to show us famous houses. She was great and thoughtful, but we were in a hurry, so make sure you keep that in mind if you start driving for hire.</p> <h2>5. Tutor</h2> <p>Having a day job that ends at 5 p.m. tends to coincide with school schedules, so if you have some time on your hands at night and are especially good at a certain subject, consider tutoring. You could tutor children or adults in GED prep, math, reading, science, and more. Not only will this be rewarding for you, but other people will benefit from what you are offering, and you will using your knowledge to teach someone else very important skills or information. Research established programs or reach out to schools to see what might be available.</p> <h2>6. Outdoor Guide</h2> <p>If you love the outdoors, being an outdoor guide might be right up your alley. I live in Chattanooga, Tennessee, where we're known for our outdoor activities. From hiking to rock climbing to kayaking &mdash; there's something for everyone. You could be a guide on hunting trips, trail tours, or boat excursions. If you're especially good at an outdoor sport and want to show and guide others on how to do it, consider looking into outdoor programs in your area. Don't forget there might be some upfront costs such as CPR training or first aid certification.</p> <h2>7. Photographer</h2> <p>Since the invention of Instagram, everyone thinks they're a photographer. But if you have real photography skills, consider being a wedding or family photographer on the side. You can make a lot of money if you're good, and the more, the better. You might think that you're mostly hiding behind a camera, but this job requires supreme social skills. You'll be capturing people's most important life moments, and you want them to be happy with the results. A nice camera and editing chops come with the job, so only those qualified or with a real passion for photography should consider this choice.</p> <h2>8. Event Planner</h2> <p>I love planning events. I love the stress and exhilaration of doing a good job, and planning and running events is the perfect avenue for that. If you are organized, thoughtful, and can deal with the attitude of whomever you are planning the event for, you should consider doing this. It takes patience, tact, a little bit of grace, and <em>a lot</em> of talking, but it's definitely worth it.</p> <h2>9. ESL Teacher</h2> <p>As the U.S. population continues to become more and more diverse, every town across America is in need of great ESL teachers. You do have to have a bachelor's degree typically for this program, and <a href="http://study.com/how_to_become_an_esl_teacher.html">there are upfront costs</a>, but every single ESL teacher I know absolutely loves it! Plus, you'll be constantly practicing your communication skills as an ESL teacher, which will make you a better communicator in all situations.</p> <h2>10. Customer Service Representative</h2> <p>The sky's the limit on this one. You could work at a coffee shop, bar, music venue, theater, or anything else that might be open for a 5-9 position. There are plenty of options, so choose what you love. That way you have an authentic interest in what you'll be discussing with customers.</p> <p>Theaters and music venues often give discounts on shows, but it's probably not a good idea to ask that in the interview.</p> <p><em>What other second jobs would be perfect for an extrovert? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/10-great-side-jobs-for-extroverts">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-holiday-gigs-that-are-perfect-for-introverts">5 Holiday Gigs That Are Perfect for Introverts</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash">12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-side-jobs-for-people-who-are-good-with-money">6 Side Jobs for People Who Are Good With Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Lifestyle extra income extrovert people person side jobs social skills Tue, 02 Feb 2016 12:00:14 +0000 Jennifer Holder 1647762 at http://www.wisebread.com 6 Ways to Sell Your Body to Science http://www.wisebread.com/6-ways-to-sell-your-body-to-science <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-sell-your-body-to-science" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000022724529_XXXLarge.jpg" alt="woman blood drive" title="woman blood drive" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How far are you willing to go for a little extra cash? Somewhere between <a href="http://www.nytimes.com/2007/06/17/magazine/17lootfarmers-t.html?pagewanted=all&amp;_r=0">virtual farming</a> and <a href="http://www.usatoday.com/story/money/business/2014/05/02/fruit-of-the-loom-puts-naked-cowboy-in-new-undies/8615967/">playing guitar in your underwear</a>&nbsp;in Times Square, are medical procedures that pay for your participation &mdash; and your bodily fluids.</p> <p>Read on for our roundup of the top ways to boost your income by selling your body to science. After all, if you only need one kidney, what's the sense in having two?</p> <h2>1. Sell a Kidney</h2> <p>In the U.S. and most other countries, the exchange of money for organs is illegal. But that's not the case in Iran, where there's a thriving market for the buying and selling of kidneys. The&nbsp;<a href="http://www.wsj.com/articles/SB10001424052702304149404579322560004817176">price of a kidney</a>&nbsp;there is about $4,000, or the equivalent of about $15,000 since Iran's per capita income is about a quarter of that in the U.S. And it's this cash incentive that has largely eliminated Iranians' waiting times to get a kidney.</p> <p>Pretty soon you might not have to look so far to get cash for your kidney. There's lively debate here in the U.S. about introducing a $10,000-per-kidney exchange to incentivize organ donors. When you take a look at the statistics, you'll see why. More than 100,000 Americans are&nbsp;waiting for kidneys, according to the Organ Procurement and Transplantation Network. Nearly 5,500 of them die annually in wait of an organ transplant. Meanwhile, the number of kidney donors is steadily falling despite the growing need.</p> <h2>2. Catch the Flu</h2> <p>The federal government is offering $3,000 to anyone willing to&nbsp;<a href="http://www.pbs.org/newshour/rundown/want-3-000-volunteer-to-get-the-flu/">catch the flu</a>.</p> <p>Yes, you read that right. The National Institutes of Health offers a flu-for-cash program as part of its mission to better understand the human influenza virus and hopefully come up with faster, more successful treatments. It might sound crazy, but if you're young and healthy, or at least healthy, it could make financial sense to spend nine days feeling achy in bed in exchange for a few thousand dollars. Oh, there's just one other catch: The flu&nbsp;<a href="http://www.cdc.gov/flu/about/disease/us_flu-related_deaths.htm">kills thousands of Americans</a>&nbsp;each year. Whether you contract the virus in a laboratory or on the subway, you'll still face that risk.</p> <h2>3. Carry Someone Else's Child</h2> <p>As a surrogate mother in a traditional surrogacy, women are artificially inseminated, either by the intended father or an anonymous donor, and carry the baby to term. It's a big responsibility and long commitment, but in exchange for participation in this nine-month process <a href="http://www.thesurrogacysource.com/ip_fees.htm?type=Intended%20Parent">surrogates receive up to $40,000</a>. Of course, not everyone is qualified to become a surrogate mother. Aside from the obvious (sorry, men), there is an extensive health and psychological screening process that must be passed with flying colors for a woman to be accepted by a surrogacy agency.</p> <h2>4. Donate Your Eggs or Sperm</h2> <p>For men, sperm donation is harmless and notably quick and simple to do (it's even how Joey on Friends made ends meet!). Each donation sample is worth about $100, but men can donate as often as <a href="https://www.nwcryobank.com/sperm-donation/">two or three times a week</a>, earning up to <a href="http://www.spermbank.com/newdonors/index.cfm?ID=4">$1,200 a month</a>.</p> <p>But the egg donation process for women is much more invasive &mdash; and lucrative. It works like this: Approved egg donors are injected with fertility drugs on a daily basis for about two weeks until the ovaries are ready for egg retrieval, a process that involves lots of anesthesia and a syringe. Common side effects include moodiness, fluid retention, and abdominal pain. But <a href="http://www.eggdonoramerica.com/egg_donor_compensation.php">the payoff can be big</a> &mdash; up to $10,000 depending on the market and the desirability of your eggs. The typical payment, about $8,000, is largely viewed as well-earned by those who go through what is widely agreed to be a difficult process.</p> <h2>5. Donate Your Plasma</h2> <p>Plasma, a yellowish liquid that is a key component in human blood, is collected for a variety of reasons, including for use by pharmaceutical companies to treat blood clotting disorders and autoimmune diseases. The hour-long donation process includes a needle prick that facilitates the transfer of your blood into a machine that separates and collects the plasma before returning the remainder of the blood back into your veins. Donors are typically paid between $20 and $50 for a <a href="http://www.redcrossblood.org/donating-blood/types-donations/plasma">plasma donation</a>, which can be repeated every 28 days. Call your local blood bank to learn more about their payment rates.</p> <h2>6. Sell Your Breast Milk</h2> <p>New mothers produce breast milk at different rates &mdash; and some not at all, which has given rise to a flourishing breast milk exchange facilitated by sites like <a href="http://www.onlythebreast.com/">Only The Breast</a>. Other new mothers can cash in by pumping their breast milk and shipping it on ice to women who need it. On breast milk exchanges, milk tends to sell for $1.50 to $3.00 per ounce. To put that in perspective, a baby needs between <a href="http://www.best-breastpumps.com/Milk_Intake.htm">13 and 42 ounces of milk per day</a> &mdash; at $3 an ounce, that's $39 to $126 a day.</p> <p><em>Have you considered selling your body to science? What part?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-ways-to-sell-your-body-to-science">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-simple-plan-for-saving-up-a-2000-fun-fund">A Simple Plan for Saving Up a $2000 Fun Fund</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/solving-the-worlds-problems-could-win-you-millions">Solving the World&#039;s Problems Could Win You Millions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bodily-fluids-you-can-exchange-for-cash">5 Bodily Fluids You Can Exchange for Cash</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-surprising-things-you-can-rent-for-extra-cash">13 Surprising Things You Can Rent for Extra Cash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Extra Income extra income medical experiments medicine science Tue, 06 Jan 2015 12:00:05 +0000 Brittany Lyte 1275771 at http://www.wisebread.com