side jobs http://www.wisebread.com/taxonomy/term/13746/all en-US 12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash http://www.wisebread.com/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/kid-dad-2286711-small.jpg" alt="dad with son" title="dad with son" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Moms who decide to stay at home and raise their children definitely have their fair share of work. If you&#39;re a stay-at-home mom, you don&#39;t need me to tell you that. But perhaps you&#39;re a stay-at-home mom who is looking to earn some cash and doesn&#39;t mind working a little extra. (See also: <a href="http://www.wisebread.com/7-things-to-consider-before-becoming-a-stay-at-home-parent">7 Things to Consider Before You Become a Stay-at-Home Parent</a>)</p> <p>Here are some truly legit ways for you to make money at home in your spare time.</p> <h2>1. Become a Social Media Consultant</h2> <p>Local and far-flung businesses are looking to hire social media consultants and managers. As a social media manager, you&#39;ll help businesses with their Facebook, Google+, Twitter, and other social media pages. Read a few good books on social media strategies to get started. (See also: <a href="http://www.wisebread.com/avoiding-social-media-slip-ups-at-work?ref=seealso">How to Avoid Social Media Slip-Ups at Work</a>)</p> <h2>2. Work as a Virtual Assistant</h2> <p>If you&#39;re a pro at organization and productivity, put those skills to good use as a virtual assistant. Increasingly, businesses are hiring virtual assistants to answer phones, schedule appointments, type up documents, organize records, and do some data entry.</p> <h2>3. Become a Professional Blogger</h2> <p>Blogs aren&#39;t just for family photos or diary entries; you can actually make some money blogging. Earn some cash through advertising products and services you love. (See also: <a href="http://www.wisebread.com/how-do-bloggers-make-money-what-every-non-blogger-should-know?ref=seealso">How Do Bloggers Make Money?</a>)</p> <p>Think of a skill you have that you can blog about. If you&#39;re an expert cook, for example, consider starting a food blog. <a href="http://thepioneerwoman.com">The Pioneer Woman</a> started out as a mom blogging her recipes and turned it into a full-time job!</p> <h2>4. Tutor and Give Lessons</h2> <p>Whether you&#39;re an expert at playing piano or are bilingual and would like to teach others, there&#39;s some kind of skill you have that you can teach to kids or adults in your area.</p> <p>Start a website advertising your tutoring services and give free first lessons to promote your business.</p> <h2>5. Sell on Etsy.com</h2> <p><a href="http://etsy.com">Open an Etsy store</a>, and you can sell handmade vintage items, jewelry, and more. You can have your own storefront and ship items after receiving orders. Etsy is a growing marketplace and worth checking out. (See also: <a href="http://www.wisebread.com/5-ways-etsy-can-help-start-your-small-business?ref=seealso">5 Ways Etsy Can Help Your Startup</a>)</p> <h2>6. Sell for Multi-Level-Marketing Organizations</h2> <p>Yes, you can find legit multi-level organizations and help pay the bills with the money you earn. But remember, it&#39;s important to understand the difference between multi-level marketing programs and pyramid schemes.</p> <h2>7. Sell Your Skills on Fiverr.com</h2> <p><a href="http://fiverr.com">Fiverr.com</a> allows people to sell their skills for $5. It&#39;s interesting what some people are selling, like taking a picture holding a sign, recording a custom song, or designing logos for a business. Have fun, be creative, and come up with your own little Fiverr business! (See also: <a href="http://www.wisebread.com/5-ways-to-make-extra-income-online-today?ref=seealso">5 Ways to Make Extra Income Online</a>)</p> <h2>8. Babysit Other Children</h2> <p>You&#39;re taking care of your own kids, why not take care of a few more? Let friends and family know that you&#39;re available for daycare services. Some parents both work during the day, and since you&#39;re a stay-at-home mom, you can fill a need for willing parents.</p> <h2>9. Become a Graphic Designer</h2> <p>Graphic designers are in high demand these days. A good graphic designer can make a living designing for websites and ebooks. Research some of the programs you&#39;ll need to do your work, and figure out the best business model for you.</p> <h2>10. Do Bookkeeping for Businesses</h2> <p>One of the last things many business owners want to do is the books. Bookkeeping is quite the burden for those who want to just focus on what they do best, so there is certainly a market for those willing to do some accounting.</p> <p>It can help to take a few courses in accounting and make sure you&#39;re on top of all the activities of your clients. Create a comprehensive solution and businesses everywhere will thank you.</p> <h2>11. Sell Photos Online</h2> <p>Love photography? You can sell your photos online at sites like <a href="http://submit.shutterstock.com">Shutterstock</a> and <a href="http://www.dreamstime.com">Dreamstime</a>. If you&#39;re good, you can actually make some decent money selling your photos. Websites are constantly looking for great photography to go along with their articles.</p> <h2>12. Start an Antique Restoration Business</h2> <p>If you collect antiques and restore them, why not turn that into a business? You can advertise your services at local antique shops and might even find some business through them. Make old things look brand new, add some modern flare to an old collectible, or frame works of art for selling. (See also: <a href="http://www.wisebread.com/reselling-antiques-the-five-principles-of-power-picking?ref=seealso">How to Pick Antiques for Resale</a>)</p> <h2>Final Thoughts</h2> <p>These are just a few ideas for stay-at-home moms; I&#39;m sure with a little brainstorming you can come up with many more. Just because you&#39;re not working a traditional job doesn&#39;t mean you can&#39;t earn some extra cash.</p> <p><em>How will you bring in some extra cash as a stay-at-home mom or dad? Share your ideas with us in the comments!</em></p> <a href="http://www.wisebread.com/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash" class="sharethis-link" title="12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash" rel="nofollow">ShareThis</a><div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p>Bob Lotich is the founder of <a href="http://christianpf.com">Christian Personal Finance</a>, a website devoted to helping folks make more money, save more, invest wisely, and increase their giving.</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/bob-lotich">Bob Lotich</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income extra income freelance income side jobs Fri, 20 Dec 2013 10:36:33 +0000 Bob Lotich 1101138 at http://www.wisebread.com 15 Ways to Make Money While You Travel http://www.wisebread.com/15-ways-to-make-money-while-you-travel <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-ways-to-make-money-while-you-travel" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/travel-5029891-small.jpg" alt="woman with a map" title="woman with a map" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Exploring the world can cost a pretty penny, but you can lower the cost of travel &mdash; and deepen your experience at each location &mdash; by doing side jobs along the way. Here are 15 ways to earn money while abroad. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Best Travel Reward Credit Cards</a>)</p> <h2>1. Write About It</h2> <p>Travel writing may not pay much to start, but if you're traveling in countries with a lower cost of living, it may be enough. I made a pretty good side income while living in China by writing about my travels on travel blogs and websites. At first, I was making $10 an article, but after I accumulated more experience, several websites offered me more. The best thing about travel writing is that you can do it from anywhere, as long as you have an Internet connection, so you're not tied down to one place for long. (See also: <a href="http://www.wisebread.com/so-you-wanna-be-a-travel-writer">How to Be a Travel Writer</a>)</p> <h2>2. Use Your Editing Skills</h2> <p>Proofread translations of signs, menus, and newsletters. Create English-language marketing materials. Edit the local English-language magazine targeted to expats. Put yourself out there and offer your services. You might be surprised how many people will take you up on your offer.</p> <h2>3. Teach</h2> <p><img width="605" height="303" alt="" src="http://www.wisebread.com/files/fruganomics/u784/traveljobs-4091072-small.jpg" /></p> <p>One of the easiest ways to get paid while working and living abroad is teaching English. If you're thinking long-term, a job with a year-round school or university is the most stable and, with over two months of holidays, you'll have plenty of time to travel. Schools will often also pay your roundtrip airfare. In the short term, language schools often hire teachers for a few weeks or months. Try teaching at a summer camp for a few weeks and taking the rest of the summer to travel (that's how I funded my first two month trip abroad). Check out <a href="http://www.eslcafe.com/jobs/">Dave's ESL Cafe</a> to start.</p> <h2>4. Tutor</h2> <p>Tutoring English or another language, music, and other skills can be a great way to supplement your income on a flexible schedule, even if you're only staying in the area for a few months. Try putting up flyers at the local school or on community bulletin boards.</p> <h2>5. Work in Hospitality</h2> <p>English speakers are needed to greet tourists at hotels and resorts around the world, so if you're interested in the hospitality industry, that might be a good place to find a job. In the short term, you might be able to get free room and board at a local hostel in exchange for a few weeks of work at the front desk. (See also: <a href="http://www.wisebread.com/jobs-that-offer-free-room-and-board">Jobs With Free Room and Board</a>)</p> <h2>6. Sell Stuff Online</h2> <p>The country in which you're traveling might have lots of adorable knick-knacks that folks back home would love. For a little extra income, <a href="http://www.ebay.com/">selling local goods on eBay</a> might be a good way to make a buck or two.</p> <h2>7. Au Pair or Nanny</h2> <p>A friend of mine spent a year as a live-in nanny, or <em>au pair</em>, in Paris. If you love kids, this might be the perfect opportunity for you to live with a local family and learn local customs, while being able to travel on weekends. <a href="http://www.aupairint.com/index.php?option=com_content&amp;view=article&amp;id=317&amp;Itemid=111">Au Pair International</a> is one of many organizations that trains au pairs and matches them with families abroad.</p> <h2>8. Administer Exams</h2> <p>Internationally recognized English exams such as TOEFL or IELTS are always hiring native English speakers to administer the exams for students abroad. Often, this means working long hours on the weekends, but the pay is decent, your hotel stay at the exam location is paid for, and you have most of the week free for traveling.</p> <h2>9. Get a Stipend as a Student</h2> <p>Many universities around the world offer scholarships for Masters' or PhD programs for English speakers, along with a small stipend and sometimes student housing. Although this stipend isn't usually enough to let you live in style, you can always supplement your income by tutoring other students.</p> <h2>10. Teach Fitness Classes</h2> <p>If you're qualified to teach Yoga, Pilates, Tai Chi, or another kind of fitness activity, you may be in demand as an instructor around the world. You might want to look into opening a studio in your home or offering classes at the local beach (especially in popular tourist locations where people are looking for the &quot;Eat, Pray, Love&quot; experience). The great thing about offering classes on your own is that you can work on your own schedule and you're not tied to a contract, allowing you to take off and travel whenever you want.</p> <h2>11. Teach Scuba</h2> <p>I know several expats who are making good money as scuba instructors in Latin America, leading more advanced dives into underwater caves as well as basic scuba classes associated with resorts. If you love scuba diving, it can take as little as six months of diving experience to attain the level needed to <a href="http://www.padi.com/scuba/padi-courses/professional-courses/default.aspx">start professional training with PADI</a>, so if you plan ahead, you can have plenty of opportunities opening up by the time you start traveling.</p> <h2>12. Adventure Sports Instructor</h2> <p>Along the same lines as teaching scuba, you can teach almost any sport at a basic level if you're an experienced practitioner. You might consider teaching surfing or kite surfing, leading mountain biking rides, or teaching basic rock climbing. If you choose to teach an adventure sport, it might be best to go through a company or resort to minimize your liability. Make sure you have good insurance as well.</p> <h2>13. Tour Guide</h2> <p>Working with a tour company allows you to explore the local sights while being paid. If you're more active, leading bike tours might be a fun way to earn money while being a tourist. (See also: <a href="http://www.wisebread.com/make-money-in-your-hometown-become-a-tour-guide">How to Become a Tour Guide in Your Hometown</a>)</p> <h2>14. Food Industry</h2> <p><img width="605" height="303" alt="" src="http://www.wisebread.com/files/fruganomics/u784/traveljobs-5278847-small.jpg" /></p> <p>Foreigners living in countries around the world are willing to pay a premium for familiar food and drink. I know a few people who have made a living as chefs and bartenders around the world, or as restaurant managers. Another friend of mine worked as a wine expert at various vineyards in New Zealand for several months. If working in a restaurant sounds too stressful, a more flexible option would be to offer cooking classes to either expats or locals.</p> <h2>15. Dog Walker</h2> <p>I literally JUST saw an ad for a live-in dog walker in London, UK. The position entailed 25 flexible hours a week, and included room and board as well as $100 a week! It's the perfect situation for exploring a new city, especially one where accommodations are expensive.</p> <p>There are a wide range of options for earning money while traveling abroad. Some jobs require you to stay in the area for a while, such as teaching jobs, whereas others are more flexible. Think about what skills you have to offer &mdash; many of them are likely to be as in demand abroad as they are at home (or even more so).</p> <p><em>Have you figured out how to earn some money while traveling or living abroad? What did you do?</em></p> <a href="http://www.wisebread.com/15-ways-to-make-money-while-you-travel" class="sharethis-link" title="15 Ways to Make Money While You Travel" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Travel cheap vacations income side jobs travel travel income Mon, 23 Sep 2013 10:36:03 +0000 Camilla Cheung 986769 at http://www.wisebread.com From Fine to Fabulous: 7 Ways to Improve Your eBay Business http://www.wisebread.com/from-fine-to-fabulous-7-ways-to-improve-your-ebay-business <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/from-fine-to-fabulous-7-ways-to-improve-your-ebay-business" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/laptop-4986817-small.jpg" alt="laptop" title="laptop" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Online auction heavyweight eBay has gone through a sea change since it was first launched in 1995. For sellers and buyers and alike, the site <a href="http://www.wisebread.com/big-changes-to-ebay-that-will-make-you-really-happy" target="_blank">has never been more robust</a>, feature rich, or easier to use than it is right now. But a booming business brings tight competition, and when you combine more people online with easier listing processes, you get a rarefied selling atmosphere where merchants need to stay on top of their game in order to win. (See also: <a href="http://www.wisebread.com/shop-like-a-ninja-on-ebay" target="_blank">Shop Like a Ninja on eBay</a>)</p> <p>I&rsquo;ve been selling on eBay since 1999, and I&rsquo;m always tweaking my strategy to keep my sales consistent and my motivation intact. For longtime sellers and for those new to the biz, I&rsquo;ve created seven tips to boost sales and keep your customers coming back.</p> <h2>1. Personalize Your About Me Page</h2> <p>Your brand is your business, and eBay&rsquo;s About Me page gives buyers a chance to read your story and learn more about the types of items you offer. It&rsquo;s a great place to showcase what&rsquo;s for sale, tout your feedback rating, and reiterate your general selling, payment, and shipping policies. Take a few minutes to customize this page with an image and well-written copy. It will help market your business to current and future fans.</p> <h2>2. List Like a Searcher</h2> <p>Failing to think like a searcher or buyer is perhaps the most common mistake online sellers make. From keyword usage in titles to detailed descriptions and multiple photographs, it&rsquo;s essential to channel buyers when you&rsquo;re selling anything. Ask yourself what words or word combinations would buyers likely use to find an item? What parts of it will they need to see? What measurements or specs will be important to them? What extras are included? Anticipate the common questions buyers might ask and write a description that proactively answers them all.</p> <h2>3. Post More Photos</h2> <p>It&rsquo;s simple; photos sell items. eBay&rsquo;s revised fee structure encourages sellers to post more photos by no longer assessing charges per image. Get shots from different angles and perspectives, showing both the positive and negative details of your item. Use adequate lighting and experiment with simple photo-editing software to improve and refine picture quality.</p> <h2>4. Bullet-Point Your Descriptions</h2> <p>Buyers are often in a hurry &mdash; the simpler and faster <a href="http://www.wisebread.com/effective-ebay-listing-0" target="_blank">you make the buying process</a>, the better. Rather than long paragraph descriptions, try listing all relevant pieces of information in easy-to-scan bullet points and arrange them in order of importance. Be brief, clear, accurate, and concise.</p> <h2>5. Provide Tracking Information</h2> <p>eBay&rsquo;s seller dashboard makes updates easy. Let sellers know when an item ships and, if relevant, provide tracking numbers so buyers can check on their shipments independently. This will help reduce random &quot;Where&rsquo;s my package?&quot; questions for you and is just good customer service.</p> <h2>6. Include a Thank-You</h2> <p>Including a printed thank-you note in each package you ship is a smart professional touch that will help buyers remember you and, hopefully, keep them coming back again and again. Make sure your note includes your seller ID to make follow-up shopping easier.</p> <h2>7. Leave Appropriate Feedback</h2> <p>Honest and timely feedback is the lifeblood of any online shopping system. Although I&rsquo;m personally not a fan of sellers being unable to leave negative feedback for buyers on eBay (a change that creates an imbalance in the feedback system and makes little sense in the grand scheme of things), at least there&rsquo;s a structure in place to promote easy communication and independent resolution between buyers and sellers. Encourage your buyers to leave appropriate feedback if they&rsquo;re happy with the transaction and to contact you if there&rsquo;s an issue that might lead to a negative score.</p> <p>eBay remains a fantastic venue for moving miscellaneous items as you <a href="http://www.wisebread.com/how-to-downsize-and-declutter" target="_blank">declutter</a>, making a few extra bucks flipping vintage items, or liquidating a large collection. Sellers just need to work a bit harder, know how to market themselves, and take full advantage of the technology.</p> <p><em>Are you an eBayer? What methods do you use to boost sales and distinguish your service from the competition?</em></p> <a href="http://www.wisebread.com/from-fine-to-fabulous-7-ways-to-improve-your-ebay-business" class="sharethis-link" title="From Fine to Fabulous: 7 Ways to Improve Your eBay Business" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income eBay selling on ebay side jobs Thu, 30 May 2013 10:24:30 +0000 Kentin Waits 976253 at http://www.wisebread.com 5 Things 30-Year-Olds Don’t Have Enough Of http://www.wisebread.com/5-things-30-year-olds-don-t-have-enough-of <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-30-year-olds-don-t-have-enough-of" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/2568840165_49aa2eb7a5_z.jpg" alt="man in shock" title="man in shock" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>As humans, we tend to set up milestones for ourselves. It's fairly common to take stock at the end of each decade of life, and figure out what we need to do differently. One of those major milestones seems to be the age 30.</p> <p>At age 30, you are assumed to be moving forward with life. You're firmly in the adult world, but you might still be making the mistakes of post-adolescence. Chances are that you're looking around at age 30, and wondering why you aren't in a better position. If you are 30, or about to turn 30, consider that you probably don't have enough of the following. (See also: <a href="http://www.wisebread.com/5-expenses-to-ditch-after-age-30">5 Expenses to Ditch After Age 30</a>)</p> <h2>1. Retirement Savings</h2> <p>It's hard to think that you need to worry about retirement when it's 25 to 30 years away. However, now is the time to be setting aside money. The longer you let compound interest do its thing, the more money you will have later. And that's important.</p> <p>A recent survey <a href="http://www.dailyfinance.com/2012/11/14/retirement-savings-by-age-how-do-you-compare/">conducted by LearnVest and Chase Blueprint</a> found that the median amount of money that those ages 25-32 have saved for retirement is $12,000. That's not a whole lot to go on. You aren't going to reach your retirement goals if you are only setting aside $100 a month. You probably need to ramp up your retirement savings if you expect to enjoy your golden years in comfort.</p> <h2>2. Emergency Savings</h2> <p>A large number of Americans are without <a href="http://www.wisebread.com/figuring-the-size-of-your-emergency-fund">emergency savings</a>, and 30-year-olds are likely to be in that group. According to a recent Bankrate Financial Security Index survey, 28% of Americans have no emergency savings at all. An additional 21% of Americans have some savings, but less than three months' worth. When you total that up, it's clear that 49% of Americans don't even have enough emergency savings to last three months. Only 25% of respondents say that they have at least six months' savings.</p> <p>Chances are that you fall into the &quot;not enough emergency&quot; savings group &mdash; and it's probably time to ramp it up so that you are prepared for what could be next.</p> <h2>3. Life Insurance</h2> <p>Is your family adequately protected in the event of your death? Life insurance is an important part of financial planning. Unfortunately, many 30-year-olds don't have life insurance, and, if they do, they don't have enough of it.</p> <p>According to <a href="http://www.jdpower.com/content/detail.htm?jdpaArticleId=346">J.D. Power &amp; Associates</a>, 40% of adult Americans have no life insurance at all. On top of that, 25% of those who had spouses that died between the ages of 30 and 55 felt that there wasn't enough coverage. When you think about it that way, it becomes clear that you need life insurance.</p> <p>If you care about your family, you should consider boosting your life insurance coverage. <a href="http://lifeinsurancebyjeff.com/how-to-get-the-cheapest-term-life-insurance-policy/">Term life is very affordable</a>; you can get a large amount of coverage for a fairly low premium.</p> <h2>4. Income Diversity</h2> <p>While it's nice to have a good job with great benefits, it's important not to become too dependent on one source of income. In the current economy, you never know when layoffs will strike. As a result, it's important to be ready with <a href="http://www.goodfinancialcents.com/ways-to-make-money-earn-extra-income/">diverse income streams</a>. A good emergency fund can help shield you, but it's also a good idea to look for ways to build your assets.</p> <p>You can start a <a href="http://www.wisebread.com/30-great-side-jobs">side hustle</a>, monetize a website, get involved in selling items and crafts on eBay, Craigslist, and Etsy, build a dividend portfolio, or engage in a creative endeavor that brings royalties. While you don't need to try to replace your day job, you can reduce your reliance on a single source of income (your day job) for your financial wellbeing.</p> <h2>5. Long-Term Financial Planning</h2> <p>At 30, you probably don't realize how important a long-term financial plan is. In fact, you probably don't have nearly enough financial planning under your belt. Your complete financial plan should include a look at major milestones, from buying a house (if you decide to go that route) to having kids to sending those kids to college to retirement.</p> <p>You should have a long-term financial roadmap that can get you to where you want to be. You can sit down with your life partner and work this out, or you can go to a trusted financial adviser to get help. But you need to make a plan. You should figure out what you need to do to create the lifestyle you want now and for the future.</p> <a href="http://www.wisebread.com/5-things-30-year-olds-don-t-have-enough-of" class="sharethis-link" title="5 Things 30-Year-Olds Don’t Have Enough Of" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/jeff-rose">Jeff Rose</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Personal Finance emergency fund growing up life insurance side jobs Fri, 01 Mar 2013 11:15:26 +0000 Jeff Rose 968006 at http://www.wisebread.com Freelancing: A Beginner’s Guide to Doing It Right http://www.wisebread.com/freelancing-a-beginner-s-guide-to-doing-it-right <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/freelancing-a-beginner-s-guide-to-doing-it-right" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/wisebreadfreelance.jpg" alt="Coffeeshop Telecommuter " title="Coffeeshop Telecommuter" class="imagecache imagecache-250w" width="250" height="168" /></a> </div> </div> </div> <p>Depending on the field you&rsquo;re in, freelancing can be a great way to make extra money or transition into a full-time flexible career. But doing it right takes some planning and strategy. If you&rsquo;re considering freelancing as a way to supplement or replace your current income, here are the basics on how to get started. (See also: <a href="http://www.wisebread.com/30-great-side-jobs">30&nbsp;Great Side Jobs</a>)</p> <h2>Network</h2> <p>As with any other business, <a href="http://www.wisebread.com/15-simple-networking-tricks">networking makes all the difference in the freelance world</a>.</p> <p>Use past work connections, friendships, social media sites, and professional groups to get the word out about your services. Have an elevator pitch ready to explain what you do, your qualifications, and what sets you apart from the competition. Though networking is a never-ending process, it&rsquo;ll become easier as your body of independent work builds and satisfied customers begin spreading the word.</p> <h2>Research and Set Fees</h2> <p>Knowing what to charge can be tricky. Most freelancers make one of two mistakes when it comes to setting their fee structure. Either they underestimate what the market is willing to pay (short changing themselves in the long run), or they price their services too high for their experience level (alienating potential new clients).</p> <p>Use <a href="http://thenextweb.com/entrepreneur/2012/09/08/freelancing-pricing-services/" target="_blank">online research tools to determine</a> what independent contractors are making in your field and in your area. Find the sweet spot based upon your background and skill set.</p> <h2>Establish a Rate Card</h2> <p>Once you know the general range of what you&rsquo;ll be charging, establish a rate card that outlines your menu of services.</p> <p>Think of every potential project you could land.</p> <ul> <li>Will you charge per hour or per project?</li> <li>How might your hourly rate change based upon the complexity of the work?</li> </ul> <p>A clear outline of prices (or even a good estimate) will help clients anticipate expenditures and budget for your services.</p> <h2>Pitch Recurring Projects</h2> <p>Big projects are great, but they&rsquo;re inconsistent. Pitching recurring monthly or quarterly projects to clients will show initiative and help smooth the peaks and valleys in your freelance income. Even a few modestly priced &ldquo;maintenance&rdquo; projects that you can count on every month will make a world of difference financially &mdash; especially in the beginning.</p> <h2>Create an Invoicing System</h2> <p>Once you have a rate card and are assertively pursuing projects, it&rsquo;s time to create an invoice. Here, simplicity is key. Create a one page Word document that includes:</p> <ul> <li>Date</li> <li>Your business name, address, and phone</li> <li>Tax ID number (if applicable)</li> <li>Client name, address, and contact person</li> <li>Project description</li> <li>Date work was completed</li> <li>Agreed upon fees and totals</li> <li>Method of remittance</li> <li>A thank you</li> </ul> <p>For examples of invoices that tick all the right boxes, check out <a href="http://www.smashingmagazine.com/2009/11/05/invoice-like-a-pro/" target="_blank">these slick designs</a> from Smashing Magazine.</p> <p>Every client has a different payment schedule and as your work expands, you&rsquo;ll need a way to track your invoices quickly and easily. I use a <a href="http://www.wisebread.com/excel-the-most-underrated-software-you-already-own">simple Excel sheet</a> with six columns: Client Name, Project Description, Hours Worked, Amount of Invoice, Date Invoiced, and Payment Status. It&rsquo;s a bare bones way for me to check the status of my billings and helps ensure that no client gets invoiced twice for the same job.</p> <h2>Don&rsquo;t Forget About Taxes</h2> <p>Remember, freelance work typically means you&rsquo;ll be receiving a 1099 tax form and will be responsible for setting aside the proper income tax amount yourself. Depending on how you structure your freelance work and how much revenue you&rsquo;re bringing in, you may be required to file estimated taxes quarterly. Discuss the particulars of your business with a tax advisor to make sure you&rsquo;re organized for Uncle Sam.</p> <h2>Create a Freelance Resume and Portfolio</h2> <p>Typically, your first few clients as freelancer will be people who know you and know your work. But once you have some projects under your belt, it&rsquo;s time to formalize it and reflect it in your resume. Create a separate resume or portfolio of work that you can use when pitching projects marketing your business to new clients.</p> <h2>Market, Market, Market</h2> <p>A successful freelance business takes constant attention. The work you&rsquo;re doing today is probably work you pitched three months ago to a client you met last year. That long horizon must be factored into to your daily work and it&rsquo;s a discipline that takes some practice to master.</p> <p>Market your services online, offline, formally, and informally &mdash; always with an eye toward where you want to be in six months or a year. Oh, and don&rsquo;t forget to thank current customers who send new clients your way &mdash; referrals are golden.</p> <p>Are you ready to test the waters of a <a href="http://www.wisebread.com/part-time-jobs-that-can-get-you-serious-discounts">part-time</a> or full-time freelance career? If so, some upfront planning focused on the basics can save you a lot of time and stress later. Happy freelancing!</p> <p><em>Are you a freelancer or have you worked solo in the past? What tips do you have for newbies?</em></p> <a href="http://www.wisebread.com/freelancing-a-beginner-s-guide-to-doing-it-right" class="sharethis-link" title="Freelancing: A Beginner’s Guide to Doing It Right" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Entrepreneurship Extra Income freelance income side jobs start a business Mon, 28 Jan 2013 10:48:33 +0000 Kentin Waits 967361 at http://www.wisebread.com 30 Great Side Jobs http://www.wisebread.com/30-great-side-jobs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/30-great-side-jobs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/5548053540_c5629f418e_z.jpg" alt="dog and camera" title="dog and camera" class="imagecache imagecache-250w" width="250" height="193" /></a> </div> </div> </div> <p>There are thousands of side jobs out there these days, but they aren&rsquo;t necessarily created equal. Some are better than others, especially in terms of how much work you have to do compared to how much money you earn. These are a sample of the better side jobs you may be interested in. (See also: <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>)</p> <h2>1. Tutoring</h2> <p>If you know a particular subject well, you can find many opportunities to tutor, both through employers and on your own. The best-paid tutors often specialize in helping with test preparation, particularly for graduate and professional exams.</p> <h2>2. Medical Testing</h2> <p>While there can be some serious side effects that can go along with being a medical test subject, there can also be some decent money. Do your research before agreeing to a particular trial and make sure that it won&rsquo;t interfere with your other obligations before signing the paperwork.</p> <h2>3. Pet Sitting</h2> <p>Not all pet owners prefer to put their pets in a kennel when they travel &mdash; some prefer that their pets get to stay home. Some pet owners even need someone to handle pet sitting duties (like walking the dog) when they&rsquo;re home. If you&rsquo;re fond of furry friends, such a side job could be a good fit.</p> <h2>4. Landscaping</h2> <p>Mowing lawns and handling other landscaping tasks is hard work, but if you just do it for a few people on the side, it can be a manageable workload. For anyone willing to do gardening, landscape design, or other specialized work, there&rsquo;s more money available.</p> <h2>5. Teaching</h2> <p>For anyone with a skill or an area of expertise, teaching can be a decent option. Don&rsquo;t just look at colleges for adjunct positions, though. Many different types of organizations will bring in a teacher to offer a specific class.</p> <h2>6. Bartending</h2> <p>Food service jobs in general are often suggested for side jobs, but bartending jobs are the cream of the crop. There are usually better tips, at the very least.</p> <h2>7. Catering</h2> <p>You don&rsquo;t have to start a catering company of your own to land a side job with one. Many catering companies rely on part-time and seasonal help to staff events as needed. From waiting tables to cooking the food, caterers need lots of help.</p> <h2>8. Party Planning</h2> <p>If you&rsquo;ve got the knack for putting on a great event, you may do well as a party planner. You can plan parties on your own, as well as check into companies that are hiring part-time help.</p> <h2>9. Photography</h2> <p>While it can take a while to build up a successful photography practice, especially if you want to get into a competitive field like wedding photography, many photographers bring in assistants to help with specific shoots on a routine basis. You can work your way up to establishing yourself on your own and earn some money along the way.</p> <h2>10. Virtual Assisting</h2> <p>For those of you with a background in business administration, you can offer your skills up to small businesses that need help. If you can do it online &mdash; and there are few business tasks you can&rsquo;t do online these days &mdash; someone will pay you to do it.</p> <h2>11. Performing</h2> <p>It&rsquo;s tough to make a living as a musician, but there can be some surprisingly lucrative gigs, particularly if you aren&rsquo;t trying to put your own music out there. There are plenty of events where the organizer wants live music, and if you can perform their favorite pieces, you can get paid.</p> <h2>12. Consulting</h2> <p>For professionals who have been in the game for a while, consulting on your area of expertise with different companies can be a great source of income. If you are currently working in the same field, though, double check to make sure that moonlighting doesn&rsquo;t violate your contract.</p> <h2>13. Advertising</h2> <p>There are all sorts of opportunities to make money, provided you don&rsquo;t mind being associated with the company doing the advertising. Some companies will pay people to put ads on their cars or wear specific T-shirts, while others are looking for sign spinners. As long as you&rsquo;re comfortable with the product, it can be a good opportunity.</p> <h2>14. House Sitting</h2> <p>You have to be absolutely trusted by anyone who will hand over the keys to their house and head to the airport. <a href="http://www.wisebread.com/10-tips-for-landing-the-perfect-house-sitting-gig">House sitting</a> can be a good opportunity, although there aren&rsquo;t always big dollar signs attached to the job, but there are often other perks.</p> <h2>15. Transcribing</h2> <p>Despite what those ads for medical transcriptionists claim, there is skill required to become a transcriptionist. But it&rsquo;s a side job that you can train for in your spare time and, once you&rsquo;re up to speed, there are a lot of opportunities out there, especially if you specialize in medical or legal transcription.</p> <h2>16. Altering or Tailoring Clothes</h2> <p>There used to be plenty of places where you could get clothes altered to fit better. There&rsquo;s still a serious demand for such skills, especially during a time when people want to get as much wear out of their clothing as they can.</p> <h2>17. Providing Customer Service</h2> <p>Many companies rely on part-time customer service reps to handle phone calls, either from a call center or from their own homes. It may not be the most fun side job, but the work is steady.</p> <h2>18. Selling Cosmetics (or Other Products)</h2> <p>Selling Avon make up has been a way to make money on the side for years, and there are plenty of other companies that use the same methods to move their products. Serious salespeople can make a lot of money by selling these products, though it&rsquo;s not a good fit for everyone.</p> <h2>19. Caring for Children</h2> <p>From babysitting up to providing daycare, there are plenty of different opportunities out there for offering child care.</p> <h2>20. Freelancing</h2> <p>For a lot of creative professionals, freelancing is a logical way to make money on the side. There are many different types of freelancers, from writers to graphic designers to social media specialists.</p> <h2>21. Guiding Tours</h2> <p>Even if you don&rsquo;t live in a place known as a tourist destination, there are lots of opportunities to lead tours, especially if you&rsquo;re willing to do the research to put them together yourself. Think about variations, like ghost tours or tasting tours, to expand your opportunities.</p> <h2>22. Providing Beauty Services</h2> <p>There are lots of part-time jobs in the beauty industry, especially if you have a knack for making other people look good. Just in hair care, different people can handle cutting, <a href="http://www.wisebread.com/dye-your-own-hair-without-a-beauty-disaster">dying</a>, braiding and more. In some places, some or all beauty-related jobs require licenses, so do your homework.</p> <h2>23. Delivering Items</h2> <p>Many different types of companies need delivery drivers, from pizza to furniture. It&rsquo;s just a question of finding a job that fits into your schedule.</p> <h2>24. Cleaning</h2> <p>While typical cleaning gigs don&rsquo;t pay as much as one might like, many specialized types of cleaning can pay much more. Using organic cleaners, tackling pet stains, or washing curtains &mdash; it&rsquo;s just a question of finding a niche.</p> <h2>25. Repairing Furniture</h2> <p>If you have the skills to restore a piece of broken furniture to its former glory, there are plenty of people who will pay you to do it. Some will even pay you to build custom original furniture, if that&rsquo;s more your thing.</p> <h2>26. Computer Troubleshooting</h2> <p>Technical skills are in great demand, especially among people who need occasional help with problems that seem too trivial to take to the store. If you&rsquo;re willing to provide some basic IT support, you can wind up with a lot of customers.</p> <h2>27. Personal Shopping</h2> <p>There are plenty of people who will happily pay someone to shop for them, both for everyday purchases like groceries, and for bigger things.</p> <h2>28. Crafting</h2> <p>The rising demand for handmade items has made it easy to <a href="http://www.wisebread.com/10-awesome-money-making-hobbies">make money from a variety of skills</a>. You can sell everything from scrapbooking skills to scarves &mdash; and there are even some companies that will now hire you directly so they can sell your work.</p> <h2>29. Cooking</h2> <p>There are a variety of cooking jobs these days that don&rsquo;t require you to ever set foot inside a restaurant. You can work as a personal chef, cooking up a week&rsquo;s worth of meals and delivering them to a customer, for instance.</p> <h2>30. Providing Handyman Help</h2> <p>Everyone needs a little help around the house sometimes, if only for those jobs that take two people. If you&rsquo;ve got the skills to take care of a building, you can find a lot of work.</p> <p><em>Have you ever held a side job? What was it?</em></p> <a href="http://www.wisebread.com/30-great-side-jobs" class="sharethis-link" title="30 Great Side Jobs" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/thursday-bram">Thursday Bram</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income hobbies part-time jobs side jobs stay at home jobs work at home jobs work from home Wed, 09 Jan 2013 11:36:29 +0000 Thursday Bram 961783 at http://www.wisebread.com Ways to Make Money Over the Holiday Break http://www.wisebread.com/ways-to-make-money-over-the-holiday-break <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ways-to-make-money-over-the-holiday-break" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/4726676339_fdbf773d2a_z.jpg" alt="selling pictures" title="selling pictures" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Your bank account will likely take a bit of a hit over the holidays, but you can balance out what&rsquo;s going out by bringing more in if you commit to making money during your time off. To light your financial yuletide fire, here are a few ideas on how to pad your pockets over the holiday break. (See also: <a href="http://www.wisebread.com/9-ways-to-earn-extra-cash-when-money-is-tight">9 Ways to Earn Extra Cash When Money Is Tight</a>)</p> <h2>Babysitting</h2> <p>People with kids love to celebrate Christmas with their brood, but come Dec. 31, they&rsquo;re ready to pawn them off for a night out on the town to celebrate the New Year. If you have a friend or family member with little ones, offer your babysitting services for the evening so they can enjoy the festivities kid-free. While New Year&rsquo;s Eve is a boon for babysitters, also consider the nights before the holiday. There are often other parties planned for the few days leading up to it, so you may be able to make even more cash if you make yourself available for the entire week.</p> <h2>Returning Unwanted Gifts</h2> <p>Perhaps this isn&rsquo;t the most ethical means of making money, depending on how you look at it, but if you&rsquo;re strapped for cash and have receipts for gifts that you don&rsquo;t want or need, return them to the store for a quick influx of funds.</p> <h2>Selling Old Stuff</h2> <p>While you have a few days off, go through your house and identify stuff with which you can part &mdash; electronic, appliances, even clothes &mdash; and list it online. There&rsquo;s no better time than right after Christmas to unload a few unwanted belongings, because many people received cash in their Christmas cards, and you can be sure it&rsquo;s burning holes in the pockets.</p> <h2>Renting Out Your Space</h2> <p>I <a href="http://www.wisebread.com/7-steps-to-market-your-extra-space-as-a-vacation-rental">rent out my guest bedroom</a> year round, but the holiday period is the most popular. I triple book my space during this period, renting out the master bedroom, guest bedroom, and the living-room pullout to travelers who are looking to save cash on lodging for the holiday vacation. With the money I make from these bookings, I can afford to go on a vacation of my own and still send plenty of money to my savings account.</p> <h2>House Sitting</h2> <p>If you don&rsquo;t have extra space to rent out to make extra money, consider offering to <a href="http://www.wisebread.com/10-tips-for-landing-the-perfect-house-sitting-gig">house sit for friends or family</a> who are planning a holiday vacation. You&rsquo;ll give them peace of mind that you&rsquo;re taking good care of their home so they can relax on their vacation, and you&rsquo;ll make a few bucks while you&rsquo;re at it.</p> <h2>Pet Sitting&nbsp;</h2> <p>When I go away on vacation I sometimes hire a friend to watch my dogs. This is beneficial for two reasons:</p> <ol> <li>It saves me some money over sending the dogs to an overnight care facility for several days.</li> <li>I feel better that my dogs are comfortable in their own home and being taken care of properly.</li> </ol> <p>On the flip side, this year I&rsquo;m actually heading to Miami to cat sit for a friend who&rsquo;s letting me use his home as my vacation base, which will save me many hundreds of dollars that I would have spent on vacation without this opportunity.</p> <h2>Shoveling Snow</h2> <p>You&rsquo;re at the mercy of your geographical area and the weather on this one, but if there&rsquo;s <a href="http://www.wisebread.com/how-to-remove-snow-and-save">snow on the ground</a>, there&rsquo;s an opportunity to make quick cash. When I was younger, I would go door to door in my neighborhood and ask if anyone needed their walkways and driveways cleaned off. Bundle up and bring a container of hot chocolate to keep you toasty throughout the day. I promise you, you&rsquo;ll never sleep better than you do that night; it&rsquo;s hard work, and it can pay well.&nbsp;</p> <h2>Removing Christmas Trees</h2> <p>If you live in an area with lots of apartment buildings &mdash; like I do in New York City &mdash; chances are there will be people who will hire someone to remove their Christmas trees. If you don&rsquo;t like the door-to-door method &mdash; which could be annoying to some folks who don&rsquo;t celebrate Christmas &mdash; post an ad on Craigslist explaining your service. It would help to have a truck handy also, so you can load the trees in the back and deliver them to a facility that will mulch the trees &mdash; for which they may also pay you.</p> <p><em>Have other ideas on how to make money over the holiday break? Let me know in the comments below.</em></p> <a href="http://www.wisebread.com/ways-to-make-money-over-the-holiday-break" class="sharethis-link" title="Ways to Make Money Over the Holiday Break" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income make money quickly side jobs vacation working over holiday break Fri, 14 Dec 2012 11:24:32 +0000 Mikey Rox 959759 at http://www.wisebread.com How Kids and Adults Can Earn Extra Income by Doing Voice-Overs http://www.wisebread.com/how-kids-and-adults-can-earn-extra-income-by-doing-voice-overs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-kids-and-adults-can-earn-extra-income-by-doing-voice-overs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/4462344821_f727a57b9b_z.jpg" alt="voice-over" title="voice-over" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>If you have a golden voice, you might be able to rake in a good part-time income doing voice-overs &mdash; recording the words for commercials, cartoons, or movie trailers. In recent years, the boom in podcasts and audio books has created more demand for the work.</p> <p>Plus, the rise of computers with digital recording software now allows voice actors to work remotely from anywhere. Voice actors often work part-time from their homes, and established professionals may take in thousands of dollars for a few hours of work. (See also: <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>)</p> <p>Still, becoming a successful voice actor isn't easy as plugging in a mic. Winning voice-over gigs requires training and persistence. Unless you're an established veteran or have a gifted voice, you should live near a large metro area like New York City or Los Angeles.</p> <p>Interestingly, your son or daughter might have a better shot at voice-over success. Many adults can artfully imitate children's voices, but casting directors seem to prefer &quot;real&quot; children's voices. Children have been known to make a few thousand dollars over the summer &mdash; and we're talking about a child too young to legally mow lawns or wait on tables at your local diner.</p> <p>Steven Lowell, community manager at the voice-over casting website <a target="_blank" href="http://voice123.com/">Voice123.com</a>, noticed that over the past two years the top-paying jobs have been going to children. One child, Lowell wrote in a voice-over industry <a target="_blank" href="http://www.voiceoverxtra.com/article.htm?id=xktuxxbn">blog</a>, received $4,000 and a recurring contract to do a series of children&rsquo;s audio books. In another instance, a voice-over professional told him her son made more money than she did in the past month.</p> <h3>Why Kids Get Good Voice-Over Pay</h3> <p>There are several reasons for the increasing demand for children's voices, Lowell explained.</p> <p>Studios demand real children. In the last couple years, Voice123 started getting emails directly from agents seeking child voices &mdash; from real children, that is. After an agent found that Lowell was 39, he never heard another reply.</p> <p>The decrease in privacy in today's online world has increased transparency, making it harder for grown-ups to hide their true identity &mdash; and their real age. Actors have been known to post a child's photo on their profile. At one point, Lowell's casting website banned children from creating profiles unless someone first spoke to their parents.</p> <p>Online networks have made children more visible. Since they have more time for social media networking, they might be more visible online.</p> <p>The fact that children can only <a href="http://www.wisebread.com/great-summer-jobs-for-kids-and-adults">work during summer months</a>, at least in the U.S. and Canada, has further increased the demand for real children.</p> <h3>Does Your Child Have What It Takes?</h3> <p>Doing voice-overs can be great fun for the kids, and it pays much better than babysitting or mowing lawns. But children need more than just a flair for the dramatic if they want to succeed in the business. Getting jobs means work.</p> <ul type="disc"> <li>Children must be able to, or be able to learn to: read well, memorize lines, and enunciate well.<br /> &nbsp;</li> <li>They must have patience. They'll be reading lines over and over again in a sound studio. Sound work is typically not as time-consuming as traditional physical acting. Still, kids who can't sit still for long in a studio don't work out well. Sound equipment picks up rustling clothes of wiggly children.<br /> &nbsp;</li> <li>Fame should not be their, or your, top concern. Voice actors don't get much recognition. Sometimes they don't even get a credit.<br /> &nbsp;</li> <li>Although their face isn't shown, they still have to be good actors with a feel for timing and emphasis.<br /> &nbsp;</li> <li>Having a unique voice will give them an extra advantage. Being bilingual, being able to sing, and speak in different dialects and accents are also advantages.</li> </ul> <h3>How to Break Into the Business</h3> <p>For both adults and children, finding voice-over work is about the same.</p> <p><strong>1. Train</strong></p> <p><a href="http://www.wisebread.com/10-classes-that-can-pay-for-themselves">Enroll in classes</a> with a professional voice-over coach or online classes. Practice reading scripts.</p> <p><strong>2. Produce a Demo</strong></p> <p>Make sure it includes a sample of voicing various commercials, cartoons, and so forth. In addition to teaching how to read scripts and audition, the coach can help prepare a demo to submit to agents.</p> <p><strong>3. Subscribe to an Online Casting Service</strong></p> <p>For example, <a href="http://voice123.com">Voice123.com</a> or <a href="http://voices.com">Voices.com</a>, which might cost a couple hundred dollars a year. Some casting websites offer special memberships for children. The service emails you &mdash; and hundreds of others &mdash; notices of auditions.</p> <p><strong>4. Record the Audition</strong></p> <p>You can do this at a home studio or pay to rent a studio. Email or mail audio files to prospective clients. If you get the job, you record it, again either at a home studio or a rented studio.</p> <p><strong>5. Obtain Agents Who Also Market for You</strong></p> <p>This does take time. Some agents accept emailed digital files; others prefer physical copies. Some may make a hiring decision after hearing a demo; others want to hear you in the studio.</p> <p><strong>6. Keep Trying</strong></p> <p>Keep auditioning, sending demos, and following up.</p> <p>If your child does the voice acting, the parent is the child's manager and handles auditions and other business matters. For more information, you can visit the <a target="_blank" href="http://bizparentz.org/thebizness/voiceoversforkids.html">BizParentz Foundation</a>, a nonprofit corporation for parents and children in the entertainment business.</p> <a href="http://www.wisebread.com/how-kids-and-adults-can-earn-extra-income-by-doing-voice-overs" class="sharethis-link" title="How Kids and Adults Can Earn Extra Income by Doing Voice-Overs" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/michael-kling">Michael Kling</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income part-time job side jobs summer jobs for kids Fri, 30 Nov 2012 10:36:42 +0000 Michael Kling 955722 at http://www.wisebread.com 10 Great Jobs for College Students http://www.wisebread.com/10-great-jobs-for-college-students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-great-jobs-for-college-students" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/college%20students.jpg" alt="College students" title="College students" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>September is coming to a close, you&rsquo;ve moved in to your dorm room or apartment, and you&rsquo;ve probably settled into the routine of your classes. Now perhaps you&rsquo;re wondering how to score a little extra cash so you can go on a dinner date instead of eating cereal for dinner as usual. Better yet, how can you make a little money but learn some valuable skills at the same time? The following jobs offer a flexible schedule as well as the potential to add some meat to your resume. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-college-students">The 5 Best Credit Cards for College Students</a>)</p> <h2>1. Tutor</h2> <p>Tutoring is an excellent job for a college student. The hours are usually flexible, and the pay is often excellent. In addition, you can learn some valuable presentation and communication skills by teaching a child or teenager &mdash; if you can explain algebra to a 16-year-old, what can&rsquo;t you do? You may tutor a pupil one-on-one in their home or teach larger classes at a learning center.</p> <h2>2. ESL Teacher</h2> <p>If you can speak English, you can likely teach it. Consider getting certified in Teaching English as a Second Language (TESL classes are usually available on a part-time basis or through intensive summer courses), which will allow you to work for a language school either at home or abroad. This part-time work can be parlayed into a summer job or full-time job after you graduate, and even if you don&rsquo;t pursue it further, you&rsquo;ve gained important presentation, public speaking, and communication skills.</p> <h2>3. Yoga/Fitness Instructor</h2> <p>Passionate about yoga, Pilates, or some other fitness program? Instead of <a href="http://www.wisebread.com/where-to-find-free-or-cheap-yoga-classes">paying to go to fitness classes</a>, why not get paid? If you have enough experience under your belt, consider going through a part-time instructor certification program that will allow you to teach classes at your local gym or studio for a few hours a week. You may even be able to turn it into a career later on, or at least supplement your income if you find yourself in a pinch.</p> <h2>4. Social Media Guru&nbsp;</h2> <p>Who knew that those hours spent on Facebook and Twitter would pay off? As a tech-savvy young person, your social media networking skills are in high demand. Many types of businesses, from real estate to event planning to club promotion, hire young people to tweet and post about the latest happenings in the field. Get a job tweeting in your area of studies, and you may gain valuable connections for after you graduate as well.</p> <h2>5. Small Business Owner</h2> <p>It&rsquo;s never too early to start honing your entrepreneurial skills, especially when a large body of relatively cheap labor (read &mdash; other college students) is at hand. Start a painting or moving company or an after-school tutoring program, or start using your artistic skills in a photography or web-design business. Even if your business doesn&rsquo;t end up enormously lucrative, you&rsquo;ll have an amazing learning experience to add to your resume.</p> <h2>6. Nanny&nbsp;</h2> <p>You might have thought that your days as a teenage babysitter were behind you, but college is actually a great time to take babysitting to the next level. You are older and more responsible, and if you have a car, you are perfectly equipped to pick kids up after school and hang out with them till their parents get home. You can also command a higher hourly rate and show future employers how responsible and trustworthy you are. Becoming an au pair is also one of the best ways to travel around the world after you graduate while <a href="http://www.wisebread.com/jobs-that-offer-free-room-and-board">having your room and board paid</a>.</p> <h2>7. Administrative Assistant</h2> <p>A part-time job spent answering phones, filing documents, and doing general office work can turn into a more lucrative job as you move up the corporate ladder. Although you may primarily be doing secretarial work, you&rsquo;re also in contact with professionals at your company who may be able to help you get a head start in your chosen career, be it in publishing, advertising, law, or finance. In addition, you&rsquo;ll learn how to behave professionally, get organized, and provide stellar customer service &mdash; and you&rsquo;ll earn a pretty good paycheck in the meantime.</p> <h2>8. Brand Ambassador</h2> <p>Being a brand ambassador is a great way to get a &ldquo;marketing&rdquo; entry on your resume. Nowadays companies are hiring more college students than ever to promote brands to their peers. You&rsquo;ll give away free samples and organize events and promotions while being paid in cash, perks, and swag. If the commercialization of campus life doesn&rsquo;t bother you, you might be able to make a nice little supplemental income.</p> <h2>9. Bank Teller</h2> <p>Working at a bank is a great way for college students to get experience in the field of finance, albeit at a low level. Hours are often flexible, many bank tellers work on a part-time basis, and a degree is not required. Later on, you may also be able to advance your career within the bank.</p> <h2>10. Paid Intern</h2> <p>Never underestimate the power of an internship. I know of many college students who interned at a company in their field of study and went on to be hired full-time at that company. In competitive fields, this may be one of the best ways to <a href="http://www.wisebread.com/15-simple-networking-tricks">gain connections</a> and get your foot in the door in your profession. Unfortunately, many internships today are unpaid, but often, the learning experience is worth it.</p> <p><em>What job did you have in college, and how did it help you?</em></p> <a href="http://www.wisebread.com/10-great-jobs-for-college-students" class="sharethis-link" title="10 Great Jobs for College Students" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Career and Income Career Building Education & Training Extra Income college students first jobs flexible work schedule part time jobs side jobs Tue, 25 Sep 2012 10:00:42 +0000 Camilla Cheung 954663 at http://www.wisebread.com Make Money in Your Hometown: Become a Tour Guide http://www.wisebread.com/make-money-in-your-hometown-become-a-tour-guide <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/make-money-in-your-hometown-become-a-tour-guide" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/4538045474_1dba6a4a1f_z.jpg" alt="tour guide" title="tour guide" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Peer-to-peer travel experiences are emerging all over the Internet, connecting local guides and advisers who want to make some extra money on the side with travelers who want an out-of-the-guidebook experience.</p> <p>And from what I've gleaned, it appears to be a win-win for everybody.</p> <p>Here are three peer-to-peer travel sites that provide a few different takes on the travel guide/adviser experience. Maybe one (or more) of them is a great fit for you to <a href="http://www.wisebread.com/9-ways-to-earn-extra-cash-when-money-is-tight">make some extra cash on the side</a> (or conversely, to enjoy a different travel experience on your next vacation). (See also: <a href="http://www.wisebread.com/america-is-the-no-vacation-nation">America Is the No-Vacation Nation</a>)</p> <h2>SnappyGo</h2> <p><a href="http://www.snappygo.com">SnappyGo</a> connects local advisers who create custom travel itineraries with travelers who want local recommendations for where to stay, eat, and play. They have almost 11,000 advisers worldwide, covering 1,800 destinations in 181 countries (at the time of writing).</p> <p>Your job is to provide itineraries and travel advice that goes beyond what the traveler can find in a guidebook. To qualify, you must have an intimate knowledge of your city, and the application process ensures you can give customers the sort of advice they're looking for.</p> <p>Travelers can find and book you directly through your online profile, or they send an adviser request to SnappyGo, who matches up adviser profiles, at which point you can send a message to the traveler demonstrating why you're the best candidate if you want the gig. (Here are some of <a href="http://www.snappygo.com/blog/how-to-give-travel-advice/">SnappyGo's tips on giving travel advice</a>).</p> <p>Once booked as an adviser, you can do an optional 10-minute Skype call to clarify the customer's needs, then construct an itinerary that includes suggestions on where to stay, what to do, where to eat, and other travel tips.</p> <p><strong>Time Commitment and Pay</strong></p> <p>Most requests are pretty simple (for example, three nights in Paris), and take the adviser a couple of hours to complete at most.</p> <p>For this service, you set the rates. A two-to-three-day itinerary usually goes for $30-40 USD, and you can make up to $150 for a two-week itinerary.</p> <p>The better your credentials and experience, the higher a rate you can command. SnappyGo takes a 30% cut of your fee, so bear this in mind when providing your quote.</p> <p><strong>Adviser Experiences</strong></p> <p>Hugh Ghouleh created 20 itineraries in his first six months since joining. (To his credit, he has travel and tourism industry experience as well as a large list of destinations he is an approved adviser for on <a href="http://www.snappygo.com/travel-planner/hugh-ghouleh">his profile</a>).</p> <p>He says &ldquo;the advice given can range from a simple inquiry about accommodation and some activities to details of hidden spots away from touristic eyes,&rdquo; and the rates you charge vary accordingly.</p> <p>Hugh's best experience was helping a busy and well-traveled American couple who were first-timers to Japan. As a result of his itinerary advice, he says &ldquo;not only were they able to drive around Japan to reach wherever they liked from spots only locals would know, but I included a list of language tips for conversational issues...&rdquo;</p> <p>The above itinerary took him three hours to put together, and he made $200 from it. Other income amounts for Hugh have ranged from $40 for a three-day trip to $150 for a one-week trip. &ldquo;It really depends on how much effort and time you put into it as a travel adviser.&rdquo;</p> <p><strong>Traveler Experiences</strong></p> <p>Alex Maier is currently planning a trip to New York City from Germany. &ldquo;I have been there before, but I wanted more local tips and had specific questions. I have seen all the major sites, so the typical tips you get anywhere online weren't enough this time.&rdquo;</p> <p>So she found a local adviser whose profile matched her interests, and she received tips, homepages, prices, and even operating hours that she knows will be useful on her trip.</p> <p>Alex is happy with her itinerary, and suggests that it's &ldquo;very convenient for people who don't have a lot of time searching for things to do and just want a good itinerary based on their needs.&rdquo;</p> <h2>HipHost</h2> <p><a href="http://www.hiphost.com">HipHost</a> is a marketplace for unique local tours that you won't find in a guidebook. All the tours listed have special themes, ranging from architecture to chocolate to girls' night out to running, and on and on. They have almost 1,000 local hosts in more than 100 worldwide cities (mostly in the U.S. at the time of writing).</p> <p>Creating your profile and listings is free, and you can post as many tour itineraries as you wish, based on your experience and <a href="http://www.wisebread.com/find-your-passion">local passions</a>. Travelers will browse these listings and book you if they like your tour description and theme.</p> <p>You need a minimum of three personal recommendations on your profile to have your listings published, but these can be as simple as personal references from family members or friends if you don't have tour guests to attest to your awesomeness at the outset.</p> <p><strong>Time Commitment and Pay</strong></p> <p>When creating your tour, you submit your minimum hourly rate, being sure to incorporate any overhead costs (like cab fare, admissions, or refreshments). HipHost tacks on approximately 20% (depending on the number of guests, tour duration, and type of request) to your quote as their fee.</p> <p>What you charge is entirely up to you; most guides charge $20 per hour, but depending on your experience and number of participants, you can increase that rate. HipHost also encourages travelers to tip, so you'll likely get a little extra bit of pocket change over and above your hourly rate.</p> <p><strong>Host Experiences</strong></p> <p>In his first (approximate) four months since joining HipHost, Eric Stassen has given six tours. Apart from the initial setup and sending a few emails back and forth to travelers, the only time commitment has been in giving the tours themselves, which usually last from two to four hours.</p> <p>&ldquo;Compensation is quite fair, but earnings are sporadic,&rdquo; says Eric. He makes $20/hour regardless of the number of tour participants, and HipHost tacks on an administrative fee.</p> <p>Eric has a few tips for aspiring HipHosts: &ldquo;Make sure the tour reflects what excites you personally about the city. It's easy enough for a visitor to look up a list of 'must-see' spots on their own; they're coming to you for <em>your</em> perspective.&rdquo;</p> <p>He says it also pays to do your homework to make the tour as seamless as possible. &ldquo;It's impressive if you can bring your guests directly to the correct bus stop just before the bus pulls up, and embarrassing &mdash; not to mention a waste of their time and money &mdash; if your tour ends up incorporating a long uneventful walk and/or a wait of more than a few minutes.&rdquo;</p> <p><strong>Traveler Experiences</strong></p> <p>Kartik Isvarmurti is a managing director in India who wanted to visit some large Internet companies in San Francisco. &ldquo;After I posted my tour request on HipHost, Dan contacted me and arranged the Silicon Valley Tech Titan Tour. Together we visited some of the top tech companies in San Francisco, giving me a customized tour that was tailored to exactly what I had requested. With HipHost, I now feel like I have a friend in every city I visit.&quot;</p> <p>And Sarah Nielsen was part of a group of six people who chose the &quot;Beer and Chocolate&quot; tour in Boston. &ldquo;We thought this would be a neat and different way to see the city,&rdquo; she says of her search for something fun and local.</p> <p>At the end of the day they ended up at a bar. She says it was the perfect ending to the tour because &ldquo;not only was it a local dive, but Bill recommended a beer for each of us, based on our food tastes...and we all liked it! It was such a fun way to try new things and get a local's take on where to go in Boston. They were places we might've walked past on our own, but never would've known to go into.&rdquo;</p> <h2>Shiroube</h2> <p><a href="http://www.shiroube.com">Shiroube</a> is a Japanese word meaning &ldquo;to be a guide&rdquo;. The premise of the service is to connect locals who act as tour guides with travelers who want a custom tour experience. They currently have more than 5,000 guides in 3,000 cities worldwide.</p> <p>Although the initial concept has been based on locals giving tours, co-founder and CEO Tatsuo Sato envisions a broader scope of services based on running a marketplace for people to meet and exchange services. &ldquo;We don't limit how to use the service as long as users keep the rules.&rdquo; The services in question include anything from just email tips to itineraries to full tour-guide services.</p> <p>You start by creating an account with Shiroube and placing an ad (currently your first three ads are free). Be sure to outline your specific expertise so travelers with similar interests can find you (for example, history, adventure, drinking buddy, etc).</p> <p>Once the traveler is in communication with you, you set the terms between you &mdash; from specific services to rates. In some cases, are simply seeking &ldquo;international friendship or language exchange, while others set a reasonable price&rdquo; for services provided, says Sato.</p> <p>With Shiroube being fairly new and set up as a general marketplace, the payment system is still vague at the time of writing. Shiroube is currently testing a pricing model through the use of corporate sponsorships that will ultimately make the service free for users.</p> <p><em>Do any Wise Bread readers have experiences with peer-to-peer travel services </em>&mdash;<em> either as advisers or as travelers? Please share in the comments!</em></p> <a href="http://www.wisebread.com/make-money-in-your-hometown-become-a-tour-guide" class="sharethis-link" title="Make Money in Your Hometown: Become a Tour Guide" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/nora-dunn">Nora Dunn</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income Travel local side jobs travel tours Fri, 10 Aug 2012 09:48:44 +0000 Nora Dunn 944035 at http://www.wisebread.com The Many Benefits of DIY http://www.wisebread.com/the-many-benefits-of-diy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-many-benefits-of-diy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/sewing2.jpg" alt="Woman with a sewing machine" title="Woman with a sewing machine" class="imagecache imagecache-250w" width="250" height="165" /></a> </div> </div> </div> <p>I will be the first to admit that the I'm not a good handyman. I'm not proficient with anything that has to do with my hands other than, well, typing. But even for someone like me, DIY has its place. This is especially true when it comes to money-related matters. Here are five reasons why you need to learn how to do-it-yourself every once in a while. (See also: <a href="http://www.wisebread.com/5-household-fixes-you-should-stop-paying-others-for">5 Household Fixes&nbsp;You&nbsp;Should Stop&nbsp;Paying Others For</a>)</p> <h3>DIY Costs Less Money (Most of the Time)</h3> <p>And it's not just because of the labor cost. When you know how to do things yourself, you understand the intricate details of what makes a high-priced product or service costly. Once you have this understanding, then you have the knowledge to&nbsp; choose what is important to you, saving money while getting something that will truly serve your needs. Take a home remodeling project, for example. A major expense is the appliances that you choose. The price difference between ultra-high-end and high-end products can be thousands of dollars. If you have the knowledge to know that the lower-priced option will work find for you, you can use the rest of the money to remodel the more of your house.</p> <h3>Learning Something New Is Fun and Fulfilling</h3> <p>Completing a DIY project gives you one of the most satisfying feelings anyone can have. And when you are happy, <a href="http://moneyning.com/frugality/how-to-avoid-spending-temptations/">you can avoid the spending temptations</a> that would fill an emotional void. Say good bye to your midlife crisis!</p> <h3>Your Pursuit for Improvement Gives You a Chance to Meet New People</h3> <p>As you dive deeper into DIY, you will find like-minded individuals, whether it's at classes you attend or local get togethers arranged through online forums dedicated to your craft. Over time, some of the wonderful people you meet will surely become friends.</p> <h3>You May Even Be Able to Charge for Your New Skill</h3> <p>Many people come up blank when they are trying to think of <a href="http://moneyning.com/make-money/15-ways-to-earn-extra-money/">ways to earn more money</a>. If this is you, then you might want to start developing a skill to improve your income.</p> <p>Having a <a href="http://www.wisebread.com/4-reasons-why-everyone-needs-side-income">side hustle</a> is great not only because you can possibly earn side income, but you will also be less afraid of a layoff if you have more income diversity. Not being afraid of losing your job might help you speak out more and be more assertive, character traits that could help with getting a promotion.</p> <h3>DIY Gives You More Options in Retirement</h3> <p>Having DIY skills is perfect for retirement. For starters, you might find a way to use your expertise to bring in additional income, helping you achieve your retirement goal faster and allowing you to retire earlier. Even if you don't plan to charge for your skill, you might find retirement more enjoyable as you spend a good portion of your day enjoying your DIY passion.</p> <a href="http://www.wisebread.com/the-many-benefits-of-diy" class="sharethis-link" title="The Many Benefits of DIY" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/david-ning">David Ning</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> DIY hobbies learning a new skill side jobs Tue, 24 Jan 2012 10:36:20 +0000 David Ning 872547 at http://www.wisebread.com Tips for Thriving in Long-Term Unemployment http://www.wisebread.com/tips-for-thriving-in-long-term-unemployment <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/tips-for-thriving-in-long-term-unemployment" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/on_couch.jpg" alt="Woman on couch" title="Woman on couch" class="imagecache imagecache-250w" width="250" height="175" /></a> </div> </div> </div> <p>The sagging economy forced many people from their jobs and left the young and old alike searching for income. According to the U.S. Bureau of Labor Statistics, 8.6% of the U.S. labor force is unemployed, as of November 2011, and the unemployment rate in the U.S. has remained in the 8-10% range since February 2009. Additionally, millions of the long-term unemployed have fallen off the official unemployment rolls, and these folks are labeled as &quot;discouraged workers.&quot; Here are some tips to making your long-term unemployment an opportunity for advancement. (See also: <a href="http://www.wisebread.com/lost-my-job-tips-for-the-recently-laid-off">Help! I Lost My&nbsp;Job!</a>)</p> <h3>Use All of Your Resources</h3> <p>There are many new and innovative job resources available to help you find a job and put some food on your table. Many community colleges and community centers host career fairs to allow members of the community to meet prospective employers, so be sure to check your local listings for career fairs in your area. If you went to college, you still may be eligible for career guidance from your school. Consider contacting a career counselor at your alma mater or checking your school&rsquo;s career advising websites for job postings in your field. Otherwise, social media has turned many websites into personal job boards. Check for job postings on sites like <a href="http://mashable.com/">Mashable</a>, <a href="http://www.linkedin.com">LinkedIn</a>, <a href="http://www.twitter.com">Twitter</a>, and <a href="http://www.facebook.com">Facebook</a>. Some of these sites have separate areas for job postings, but your friends may also post an opportunity in your newsfeed.</p> <h3>Build Your Resume While Unemployed</h3> <p>It sounds horrible if you tell a prospective employer that you&rsquo;ve been doing nothing but searching for a job for the past three years because you were unemployed. Instead, find something to productively occupy your time. Volunteering is a great way to gain job experience to put on your resume and show potential employers that you&rsquo;re a productive go-getter. Most businesses, political campaigns, organizations, hospitals, and religious groups love having extra hands to assist with free labor. Look for opportunities in your field or in a field you&rsquo;re passionate about, and see if a business or organization in that field will let you help out for a few hours a week. You&rsquo;ll pick up some job skills and experience, and you can add the extra line to your resume to show that you were not sitting on your butt while the unemployment rate was high. With the 2012 elections coming up, there are many opportunities to volunteer for your favorite candidates.</p> <h3>Learn New Things</h3> <p>Look for training classes in your area that you are interested in. It is possible to start a completely different career than what you had before. I have heard of laid off police officers who became barbers and laid off engineers who went back to school and became dentists. It really depends on your interests and motivations. You could also just go to the library, borrow books, and learn skills. You could even read about how to improve your interview skills.</p> <h3>Supplement Your Income With Odd Jobs</h3> <p>Babysitting and mowing lawns may sound like jobs for teenagers, but young people do them because they provide quick, easy, and tax-free money. Do your kids&rsquo; friends always need rides to school or after-school activities? Consider forming a chauffeur service for kids in your neighborhood. Also, there are multiple, legitimate opportunities to make money online. From taking surveys to writing blog posts, there are <a href="http://www.wisebread.com/getting-noticed-on-craigslist">virtual odd jobs</a> that can fit anyone&rsquo;s interest and skill level.</p> <h3>Work on Your Own Business</h3> <p>I have talked about having your <a href="http://www.wisebread.com/4-reasons-why-everyone-needs-side-income">own side income</a> before, and if you are unemployed it is actually a great time to work on a side business. You have more time to try out different ideas that you had and perhaps bring your business to the next level. Sometimes being unemployed lights a fire under people's butts and successful businesses are born. The key is to use your energy and time in a productive manner.</p> <p>The job market may be dismal, but there are still so many opportunities for financial gain, no matter how big or small. Be creative, be enterprising, and find your opportunities. Remember that every dollar helps, and every work opportunity may open a new door for you. Use your unemployment as an opportunity for advancement and don't be a &quot;discouraged worker.&quot;&nbsp;</p> <p><em>What are your experiences? Have you been unemployed for more than a year?</em></p> <a href="http://www.wisebread.com/tips-for-thriving-in-long-term-unemployment" class="sharethis-link" title="Tips for Thriving in Long-Term Unemployment" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Career and Income learning a new skill side jobs unemployment volunteering Mon, 02 Jan 2012 10:48:08 +0000 Xin Lu 847396 at http://www.wisebread.com When Being Frugal Isn't the Solution http://www.wisebread.com/when-being-frugal-isnt-the-solution <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/when-being-frugal-isnt-the-solution" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/man_with_coffee.jpg" alt="Man with coffee" title="Man with coffee" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>Here at Wise Bread, we have a lot of articles on how you can become more frugal and still enjoy a great lifestyle. All of these articles are very useful, but sometimes being frugal isn't the solution to improving your life. Here are some instances when frugality isn't the whole answer, and some additional solutions for achieving a happy balance. (See also: <a href="http://www.wisebread.com/12-frugal-compromises">12 Frugal Compromises</a>)</p> <h3>When Your Savings Are Limited by Your Income</h3> <p>If you are trying to achieve financial goals simply by spending as little as possible, then you are ultimately limited by how much income you have. Some readers have written to me and said that it is impossible for them to save just because their fixed expenses eat up most, if not all, of their income. Most of them are not lavish spenders, but are just making so little that they're surviving paycheck to paycheck. In that situation, it's better to focus more on increasing income than saving nickels and dimes. If you think about it, an extra $25 earned a day equates to $500 a month, and that <a href="http://www.wisebread.com/4-reasons-why-everyone-needs-side-income">side income</a> will definitely help pay down debts faster.</p> <h3>When Being Frugal Is Wasteful</h3> <p>I have seen those extreme couponing shows, and it actually scares me that some people buy so many boxes of processed foods. I'm not sure if all that stuff actually gets consumed, but I have seen many instances where people bought so many of something just because they got a good deal, and then a lot of it went to the trash. With the rise of deal sites like Groupon, I've also heard of stories of many paid coupons that aren't redeemed. I am a fan of looking for coupons for the things I need immediately and buying just enough, and I really like Phillip Brewer's article on <a href="http://www.wisebread.com/buy-your-groceries-european-style">shopping European style</a>. I think more people can actually save money by buying what they need on demand instead of buying too much of something on sale.</p> <h3>When Frugality Makes You Unhappy</h3> <p>A phrase that has been popping up lately is &quot;frugal fatigue.&quot; Basically, it means many people became frugal due to the recession, but now they are sick of pinching pennies and out to spend again. I've heard stories of people giving up their coffee or changing the grocery store where they shop, and it's the mentality of sacrifice that makes people unhappy. I think as long as you can comfortably afford something, then there is nothing wrong with <a href="http://www.wisebread.com/21-frugal-ways-to-reward-yourself-right-now">treating yourself</a> once in a while. Sometimes happiness costs very little, and you don't have to feel guilty about spending.</p> <p>Ultimately, I think that a combination of living below your means and generating extra income will help you reach your financial goals faster. You can't just concentrate on looking for deals and clipping coupons to improve your financial situation. Just like a well-balanced diet is good for your physical health, a well balanced set of financial actions will improve your financial health.</p> <p><em>What do you think? Are you too fixated on saving money and not on earning money?</em></p> <a href="http://www.wisebread.com/when-being-frugal-isnt-the-solution" class="sharethis-link" title="When Being Frugal Isn&#039;t the Solution" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Frugal Living side jobs treating yourself waste less Tue, 29 Nov 2011 11:24:30 +0000 Xin Lu 802659 at http://www.wisebread.com 12 Side Jobs for Stay-at-Home Moms and Dads http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-side-jobs-for-stay-at-home-moms-and-dads" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/baby%20with%20laptop.jpg" alt="baby with laptop" title="baby with laptop" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>There are many reasons a person might <a href="http://www.wisebread.com/7-things-to-consider-before-becoming-a-stay-at-home-parent" title="7 Things to Consider Before Becoming a Stay-at-Home Parent">choose to be a stay-at-home mom or dad</a>. The cost of childcare might be prohibitive, or you might feel that having a parent at home is essential for your child's development. However, staying at home with your child can be a sacrifice in terms of the income you could be bringing in if you were out in the workplace. (See also: <a href="http://www.wisebread.com/9-ways-to-earn-extra-cash-when-money-is-tight" title="9 Ways to Earn Extra Cash When Money Is Tight">9 Ways to Earn Extra Cash When Money Is Tight</a>)</p> <p>If you're a stay-at-home parent, you might be looking for ways to create additional income to help with mortgage payments or bills around the house, but feel limited in what jobs you can take because of your child's needs. To help you generate extra income while taking care of your little ones, here's a list of flexible side jobs that are great for stay-at-home moms and dads.</p> <p> <script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script> <!-- 468x60 Upper Article --> <ins class="adsbygoogle" style="display:inline-block;width:468px;height:60px" data-ad-client="ca-pub-6789250261177596" data-ad-slot="3714035540"></ins> <script> (adsbygoogle = window.adsbygoogle || []).push({}); </script> </p> <h3>1. Sell Crafts Online</h3> <p>If you enjoy knitting, sewing, crocheting, woodworking, jewelry-making, or another creative craft, you may want to consider selling your creations online on <a title="Etsy" href="http://www.etsy.com">Etsy</a>. All you need are some start-up materials, your creative skills, and the ability to pack and mail orders. You'll probably be paid via <a title="Paypal" href="http://www.paypal.com">Paypal</a>, and you can set up your Paypal shipping options so that you can print shipping labels from your home computer. There is a huge market for hand-crafted items today, and if you market yourself well, you can create quite a successful small business.</p> <h3>2. Host an Exchange Student</h3> <p>If you live near a university or college campus, your home may be prime real estate for hosting exchange students. Many university students come to the States for intensive English-training courses and are looking for quality &quot;homestays&quot; where they live with a local family for a few months in order to practice their English and learn about American culture. You will need to provide a private room with Internet access, as well as a few meals a day. If you live near a bus or subway stop and have a spare room, this is a great way to use your space to maximize your income. Contact your local university's exchange program for details.</p> <h3>3. Start a Freelance Business</h3> <p>Perhaps you have amazing illustration or photography skills, make beautiful cards, are an expert at cake decorating, or feel that you can write better articles than most of the crap that's on the Internet. Whatever your skill is, make it work for you by marketing yourself as a freelancer. Start a website or a blog where <a href="http://www.wisebread.com/how-to-find-freelance-clients-part-one" title="How to Find Freelance Clients - Part One">potential clients</a> can find you, and start doing small free (or cheap) jobs for friends to build up your portfolio and a word-of-mouth network.</p> <h3>4. Monetize Your Blog</h3> <p>Many of my friends who are stay-at-home moms have blogs where they document their cooking mishaps, crafting adventures, and gorgeous pictures of their babies. You can create an easy additional stream of income by putting Google ads onto your website or blog, and then marketing your blog on websites such as <a title="Foodgawker" href="http://www.foodgawker.com">Foodgawker</a>, <a title="Craftgawker" href="http://www.craftgawker.com">Craftgawker</a>, <a title="Pinterest" href="http://www.pinterest.com">Pinterest</a>, and other websites.</p> <p>(See also: <a href="http://www.wisebread.com/why-you-should-think-twice-before-bidding-on-freelance-gigs">6 Tips for Landing Freelance Blogging Gigs</a>)</p> <h3>5. Tutoring or Teaching an Instrument</h3> <p>Tutoring is a great way to use your skills and earn extra income while staying at home with the kids. Often, you can have students come to your house, so you don't even have to drive or be away from home. Search listings on <a title="Craigslist" href="http://www.craigslist.com">Craigslist</a> or at local schools and colleges, and you'll quickly come up with many opportunities. Along the same lines, teaching piano or another instrument from your home can be an excellent way to earn very good money.</p> <h3>6. Direct Sales</h3> <p>Bet you never thought you'd be one of those <a title="Avon" href="http://www.avon.com">Avon</a> ladies, did you? If you're outgoing and have contact with a large number of friends and acquaintances, or if you have a business (such as teaching piano) out of your home, doing direct sales might be a good option for you. It requires party planning and a certain amount of prep work, but if you're a good salesperson you can earn income this way. Jewelry, cosmetics, and cookware are all options for direct sales. However, be careful when researching this option; go with a trusted, reputable company that has good reviews.</p> <h3>7. Babysitting and Daycare Jobs</h3> <p>You've definitely got the childcare experience, so why not make it work for you? Babysit a neighbor's kids while taking care of your own. In general, you'll need a driver's license and a clear driving record in order to pick kids up after school, drive them to sports engagements, and take them home. Making a healthy meal and minor housekeeping duties may also be part of the package.</p> <h3>8. Substitute Teaching</h3> <p>Depending on the state you live in, you may be qualified to be a substitute teacher if you have a bachelor's degree. Although this will require you to be away from your family and to find childcare for your work days, you can work as little as a few days a month but take home a substantial paycheck.</p> <h3>9. Become Certified as a Notary Signing Agent</h3> <p>Becoming certified as a notary can be a lucrative gig. You'll need to take a training course to teach you how to notarize official documents such as loan and mortgage documents. While this job is flexible and allows you to spend more time with your family, you'll need to get childcare for times when you are meeting with clients, and it does require a significant investment of time to be really profitable.</p> <h3>10. Home Beauty Services</h3> <p>Get certified as an esthetician or massage therapist and offer manicures, massages, facials, and other beauty treatments at home. I have personally gone to several estheticians who work from home, and I have enjoyed the personalized service and better prices. You'll need to have a room in your home dedicated to your beauty services, specialized equipment (such as a massage table, steam machine, etc.), and beauty products, so it will require some capital to start up. However, you can schedule your services to suit your schedule and be at home the entire time. Please note that you'll have to find out what restrictions, requirements, and other laws there are for home-based beauty services in your local area.</p> <h3>11. Resell Vintage Items</h3> <p>There's a huge market for vintage items on the Internet. By browsing thrift stores, yard sales, estate sales, and consignment stores, you can find plenty of treasures that people are willing to pay for. List them online on <a title="eBay" href="http://www.ebay.com">eBay</a> or <a title="Etsy" href="http://www.etsy.com">Etsy</a>, and watch your bank account grow.</p> <h3>12. Office Support</h3> <p>Many companies are looking for customer service agents who can answer the phone at home and provide support to clients, or someone to provide administrative support with paperwork, data processing, or other tasks. Check out job boards like the one at <a title="WAHM.com" href="http://www.wahm.com/jobs.html">WAHM.com</a>, which lists flexible jobs specifically geared to work-at-home moms.</p> <p>When looking for a side job, be sure to be wary of <a href="http://www.wisebread.com/6-ways-to-spot-work-at-home-job-scams" title="6 Ways to Spot Work-at-Home Scams">work-at-home scams</a>. Never pay upfront for promised future employment, and beware of offers that sound too good to be true. Caution aside, by being creative you can increase your streams of income to generate a nice tidy sum that will help out with the finances while allowing you to spend time with the kids.</p><a href="http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads" class="sharethis-link" title="12 Side Jobs for Stay-at-Home Moms and Dads" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income part-time job side jobs stay at home jobs stay at home parents Tue, 08 Nov 2011 10:00:35 +0000 Camilla Cheung 772855 at http://www.wisebread.com 9 Ways to Earn Extra Cash When Money Is Tight http://www.wisebread.com/9-ways-to-earn-extra-cash-when-money-is-tight <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-earn-extra-cash-when-money-is-tight" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/street_performer.jpg" alt="Street musician" title="Street musician" class="imagecache imagecache-250w" width="250" height="143" /></a> </div> </div> </div> <p>Even though I&rsquo;m self-employed full-time, I&rsquo;m always looking for new and exciting ways to make more money.</p> <p>Earlier this year, I wrote a Wise Bread post on <a href="http://www.wisebread.com/extra-income-online-5-websites-that-can-seriously-pad-your-pockets ">websites that can help you earn extra cash</a>. More recently, I came across a blog post on Zaarly titled, &quot;<a href="http://blog.zaarly.com/blog/2011/08/17/10-ways-to-make-money-without-a-job/">10 Ways to Make Money Without a Job</a>.&quot; After reviewing the latter post, I thought it was time to revisit the topic and let you in on a few more ways to get paid.</p> <p>The ideas that Zaarly presents are perfect for the unemployed or those who just want to pad their pockets a little more. In addition, there are moonlighting jobs that I do that I thought you should know about. Thus, if you&rsquo;re without a steady paycheck or you just want to build up a rainy-day stash, here are some of your options. (See also: <a href="http://www.wisebread.com/4-reasons-why-everyone-needs-side-income">4 Reasons Why Everyone Needs Side Income</a>)</p> <h3>1. Offer Experiences to Strangers</h3> <p>I recently learned about a new site called <a href="http://www.vayable.com">Vayable</a>, which allows people with specialized knowledge and talents, local info, and time on their hands to create experiences that others can purchase. It&rsquo;s basically a touring and activity company without the company. Anyone can join the site and set up an experience. For instance, the Kan Brothers offer <a href="http://www.vayable.com/experiences/355-tour-sf-by-motorcycle">motorcycle tours of San Francisco</a> &mdash; which include helmet rental, a drink at a local hotspot, and a city map &mdash; for two to four people at $75 per person. In New York City, Kim G. is offering a <a href="http://www.vayable.com/experiences/427-paint-a-date-friend-or-mate">personalized painting lesson</a> for groups of two to six for a flat rate of $300; the experience includes acrylic paints; canvas board and supplies; studio space; wine, cheese, and crackers; and Kim&rsquo;s undivided attention. Consider this tip if you&rsquo;re interested in joining Vayable &mdash; browse the site to see what other people in your area are offering. By creating a unique experience that no one else has established, you have a better chance of getting booked.</p> <h3>2. Become a Mystery Shopper</h3> <p>Mystery shopping gigs have always been elusive &mdash; until now. I had to pass a written interview to be accepted by Goodwin &amp; Associates Hospitality Services (<a href="http://www.mysteryshopperprogram.com/new-mystery-shoppers.html">and you will, too</a>), but I&rsquo;m enjoying the experience so far. The company maintains a database of available shops from which to choose and allots a dollar amount for each shop. Last week, I accepted an evening shop at Heartland Brewery for the amount of $60. Between my guest and me, we had to purchase one beer and one other drink, an appetizer, two entrees, and a dessert. The $60 fee may not seem like much &mdash; and it isn&rsquo;t (you&rsquo;re not going to walk away with much cash) &mdash; but if you purchase the cheaper menu items and your bill (plus tip) comes in under the allotted fee, you pocket whatever&rsquo;s left over when the company pays you. After dining, however, shoppers are required to detail the experience on a questionnaire and provide a receipt in order to receive the fee. As I mentioned, you won&rsquo;t make much money unless you&rsquo;re thrifty, but at least you&rsquo;ll receive a free meal.</p> <h3>3. Seek Out Odd Jobs on the Internet</h3> <p>So long as Craigslist is around, so too will there be part-time gigs like walking dogs, house cleaning, babysitting, yard work, and more. If you have the skills to accomplish these tasks, by all means get in touch with the poster. Depending on the nature of the job, you can make anywhere from $8 to $60 an hour, usually all cash and under the table. (See also: <a href="http://www.wisebread.com/the-6-best-lawn-mowers">The 6 Best Lawn Mowers</a>)</p> <h3>4. Have a Garage or Yard Sale</h3> <p>Every one of us has a storage unit, attic, basement, or garage piled high with things that we no longer want or need. So why are they sitting around collecting dust or rotting away? Take a day to clean out the clutter and put them up for sale, whether it&rsquo;s on your front yard or on the Internet. If you have items that you think are more valuable than what you&rsquo;ll get for them at a yard sale, take them to a pawnshop. Pawnshops are great for electronics, musical instruments, jewelry, and tools.</p> <h3>5. Turn Your Space into a Microsublet</h3> <p>I&rsquo;m always singing the praises of <a href="http://www.wisebread.com/7-steps-to-market-your-extra-space-as-a-vacation-rental">microsubletting</a> &mdash; that is, renting out your spare space to travelers &mdash; because, in my opinion, it&rsquo;s the number one way to make a lot of cash with relatively minimal effort. We list our guest bedroom on <a href="http://airbnb.com">Airbnb</a> and <a href="http://roomorama.com">Roomorama</a>, and we&rsquo;re consistently booked. In fact, we&rsquo;re booked up every day until early January 2012. What that means is that travelers are paying us a nightly fee (ours averages $88 per night, but you can set your own) to stay in our home instead of in a pricey hotel. These cost-conscious travelers want a local experience for an affordable fee, and that&rsquo;s what we give them. We also provide an immaculately clean home, free Wi-Fi, HD cable TV, a mini fridge, linens, coffee service, and more.</p> <p>Now you&rsquo;re probably wondering &mdash; doesn&rsquo;t having guests in your home all the time bother you? No (though it does take a certain kind of person to do this), because the guests didn&rsquo;t come to see me. They&rsquo;re here to explore the city. They leave early in the morning and come home after dark. All I do is make sure the house is clean, provide them with welcoming hospitality, and watch my bank account grow.</p> <h3>6. Register for Focus Groups</h3> <p>I&rsquo;ve participated in a few focus groups over the years, and it&rsquo;s an extremely easy way to make money fast. Most groups will require you to fit a certain criteria, depending on the focus, but if you fit the bill, they&rsquo;ll hand you some crisp ones in return. I&rsquo;ve made anywhere from $50 to $125 per session, which usually last from one to two hours. That&rsquo;s a pretty good payday just for offering my opinion. To search for focus groups for which you may qualify, check out the aptly named <a href="http://findfocusgroups.com/">Find Focus Groups</a> website.</p> <h3>7. Perform on the Streets</h3> <p>In New York City, there&rsquo;s no shortage of street performers. Even the mother of Academy Award-nominated actress Gabourey Sidibe sets up shop in the subway, singing for cash. While you may not make enough money to pay the rent, someone is always willing to drop change in that hat. Besides, if you don&rsquo;t have anything else to do, you might as well entertain pedestrians.</p> <h3>8. Collect Recyclables for Cash</h3> <p>Every Sunday evening, there&rsquo;s some person or another rummaging through the recyclables outside my building. They&rsquo;re there to claim cans, bottles, and scrap metals before the city can whisk them away. And why not? Depending on where you live, you can earn up to 10 cents per item for turning in recyclable materials. This means of making money has become so popular in NYC that there&rsquo;s a self-service recycling station at the end of my block. Collecting cans isn&rsquo;t going to make you rich, but it will certainly help buy groceries.</p> <h3>9. Sell Your Body to Science</h3> <p>You don&rsquo;t have to sell the whole thing, but certain parts of you are quite <a href="http://www.wisebread.com/making-money-from-clinical-trials-worth-the-risk">valuable to the medical community</a>. Sought-after specimens include plasma, hair, eggs, and sperm. But before giving your goods away for a profit, you should consider the moral and ethical ramifications of such a decision. Donated sperm is sometimes used to fertilize donated eggs. If the prospect of having a biological child in the world that you don&rsquo;t know about is too much of a burden to bear, don&rsquo;t do it. A lifetime of wondering is not worth the quick cash you&rsquo;ll receive.</p> <a href="http://www.wisebread.com/9-ways-to-earn-extra-cash-when-money-is-tight" class="sharethis-link" title="9 Ways to Earn Extra Cash When Money Is Tight" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Extra Income free time side jobs yard sale Mon, 26 Sep 2011 10:36:54 +0000 Mikey Rox 713547 at http://www.wisebread.com