extra money http://www.wisebread.com/taxonomy/term/2775/all en-US Best Money Tips: Ways to Find Money You Didn't Know You Had http://www.wisebread.com/best-money-tips-ways-to-find-money-you-didnt-know-you-had <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-find-money-you-didnt-know-you-had" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_happy_cash_14572049.jpg" alt="Man finding money he didn&#039;t know he had" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on how to find money you didn&rsquo;t know you had, ways to save big at Walt Disney World, and expert tips to avoid overspending during the holidays.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneytalksnews.com/how-find-missing-money/">How to Find Money You Didn&rsquo;t Know You Had</a> &mdash; An old stock or bond certificate may still have value even if it no longer trades under the name printed on the certificate. [Money Talks News]</p> <p><a href="http://www.popsugar.com/smart-living/Ways-Save-Disney-World-40807372#photo-40807372">19 Ways to Save Big at Walt Disney World</a> &mdash; Don't waste your money on car rentals and parking fees. Take the Disney Magical Express &mdash; the shuttle available for guests who stay at a Disney-owned resort. [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/1101/Nine-expert-tips-to-avoid-overspending-during-the-holidays">Nine expert tips to avoid overspending during the holidays</a> &mdash; Not all sales are created equal! Some retailers mark up the original price, then reduce it for a &quot;sale&quot; to get you to think you're saving money. [The Monitor]</p> <p><a href="http://www.lifed.com/youre-wasting-money-on-gas-by-doing-these-15-things">You&rsquo;re Wasting Money On Gas By Doing These 15 Things</a> &mdash; Avoid driving during rush hour if you can. Stop-and-go driving burns up more gas than if you were moving at a constant speed. [Life'd]</p> <p><a href="http://www.getorganizedwizard.com/blog/2016/11/dealing-peoples-clutter/">Dealing With Other People&rsquo;s Clutter</a> &mdash; You first need to come to terms with the reality that the stuff isn't yours, so you don't get to touch or throw something away just because you want it gone. Instead, be proactive and offer storage solutions that will encourage organization and decluttering. [Get Organized Wizard]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.shebudgets.com/personal-finance/how-a-journal-can-help-get-your-finances-in-order/71487">How a Journal Can Help Get Your Finances in Order</a> &mdash; A financial journal can help you be more mindful of your money. It can be the place where you reflect on your financial decisions. [SheBudgets]</p> <p><a href="http://moneyqanda.com/what-to-do-with-an-inheritance/">3 Crucial Money Moves To Take After Receiving an Inheritance</a> &mdash; Most inheritances aren't cut and dry where you receive a lump sum of money &mdash; there might be stipulations, time limits, age limits, and steady drips of funds. It's important that you understand the terms of any inheritance you receive. [Money Q&amp;A]</p> <p><a href="https://www.savingfreak.com/questions-to-ask-before-starting-a-small-business/">25 Questions to Ask Before Starting a Small Business</a> &mdash; If you're considering starting a small business, answering these 25 questions will help you decide what plan of action to take. [Saving Freak]</p> <p><a href="http://www.lifeoptimizer.org/2016/11/03/meaningful-life-without-money-worries/">How to Live a Meaningful Life Without Money Worries</a> &mdash; Money shouldn't be your main motivation. If you want to live a meaningful life, find ways to contribute to a cause that you care about. [Life Optimizer]</p> <p><a href="http://www.theorderexpert.com/thoughtful-ways-be-more-organized/">3 Thoughtful Ways to Be More Organized</a> &mdash; Organization doesn't just happen. Plan your work in advance so you know exactly what you need to do organize your space. [The Order Expert]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-find-money-you-didnt-know-you-had">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-make-the-most-of-your-morning-commute">6 Ways to Make the Most of Your Morning Commute</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-make-an-extra-1000-this-summer">9 Ways to Make an Extra $1,000 This Summer</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-hobby-pay-its-way">Make Your Hobby Pay Its Way</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/great-ways-to-generate-passive-income">Great Ways to Generate Passive Income</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income best money tips extra money Mon, 07 Nov 2016 10:00:17 +0000 Amy Lu 1827216 at http://www.wisebread.com Change Jars and 8 Other Clever Ways to Build an Emergency Fund http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_change_jar_73155135.jpg" alt="Woman finding clever ways to build an emergency fund" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Saving money is not easy. For many Americans, there's not much cash leftover once the bills get paid each month. Building up an emergency fund and saving for retirement is a struggle, but it's not impossible. Sometimes, it just starts with a small step.</p> <p>For example, one way to begin building an emergency fund is to place any coins you accrue into a transparent change jar. Once it's full, deposit it all into the bank. You'll find that you may have more than $100 &mdash; just from your pocket change!</p> <p>There are many other small ways to get started saving, even if it's just a few dollars at a time.</p> <p>Consider taking these small steps to building positive financial habits, and you'll start to see your bank account grow.</p> <h2>1. Track Your Spending &mdash; Every Single Penny</h2> <p>If you are having trouble saving money, you will need to take the first step of figuring out where your money is going. Develop a system to record every purchase. An online service such as Mint can help you track spending and even categorize purchases so you know exactly what you're spending money on. By doing this, you'll be able to find where you can cut costs. Information is power. (See also:<a href="http://www.wisebread.com/start-saving-more-with-this-one-simple-tool?ref=seealso"> Start Saving More With This One, Simple Tool</a>)</p> <h2>2. Reduce Your Spending on a New Category Each Month</h2> <p>Once you've figure out where your money is going, it's time to decide what you can cut. If you've categorized your spending, pick one category and vow to reduce spending from one month to the next. For example, tackle your restaurant spending in January. In February, look for ways to reduce your cellphone bill. In March, cancel your cable television. By year's end, you'll have slashed spending on 12 things, and will be well on your way to saving money.</p> <h2>3. Put Away Any Extra Money You Receive</h2> <p>Did you get a bonus or raise from your company? Don't spend it, but put it in the bank instead. If your expenses are the same, then any new money you get should go directly into savings. This also goes for any prize winnings, unexpected refunds or rebates, or cash found in the pocket of that jacket you haven't worn since last winter. This may be only a few bucks here and there, but it adds up and gets you in the habit of not spending every new dollar you get.</p> <h2>4. Track When You Don't Spend</h2> <p>You might pass five coffee shops every time you walk to work. You stare at candybars and magazines at every supermarket aisle. You're bombarded with targeted Facebook ads and circulars in the mail. It's almost impossible to avoid parting with your money. But what if you made a note of every time you passed by that coffee shop without stopping in for a $4 latté? What if you gave yourself points for every time your willpower won? Eventually, resisting the urge to spend might be an easy habit.</p> <h2>5. Open an Online Savings Account and Set Up Automatic Transfers</h2> <p>You can't spend money if you never have it in your hand to begin with. If you set up an automatic transfer of cash into an online savings account &mdash; preferably one not tied to your ATM card &mdash; you'll be setting aside money before it ends up in your wallet. Start with a modest amount, maybe $25 a month, then see if you can gradually increase that. Before you know it, you'll have a nice sum of money that can serve as your emergency fund.</p> <h2>6. Open Your 401K and Hit the Company Match</h2> <p>If your company offers a retirement plan, there's no good excuse not to take part. Money you contribute is deducted from your taxable income, and it's usually taken directly from your paycheck, so there's no easy way to spend it on silly stuff. Most companies offer to match contributions up to a certain percent. Do your best to contribute up to the match, if possible, and increase your contributions by a percent each year.</p> <h2>7. Pack Your Lunch</h2> <p>This is a tough one for a lot of people. After all, who wants to eat a lame homemade sandwich when they can go out to that new gourmet burrito place with their colleagues? But it's time to get over your fear of the &quot;sad lunch&quot; and recognize that it's a big money saver. Any back-of-the-envelope calculation will reveal that packed lunches can save you hundreds or even thousands of dollars a year. If you're struggling to figure out where you can save money, this is a great place to start.</p> <h2>8. Tweak the Thermostat</h2> <p>We all like to keep our house at the perfect temperature, but we can all get use to things being a degree or two warmer in the summer or slightly cooler in winter. If you're setting the thermostat to 70 in summer, try bumping it up to 72. When it's chilly outside, keep things at 68 or even cooler. And don't forget about tweaking it further when you are not home. The U.S. Department of Energy says you can save as much as <a href="http://energy.gov/energysaver/thermostats">10% on your energy bills</a> just by adjusting the thermostat by seven to 10 degrees for eight hours each day.</p> <h2>9. Use a Credit Card With Cash Back</h2> <p>It's best to use credit cards sparingly when you're looking to save. But if you do use credit cards, making sure you get something in return. Do some research to find the cards with the best rewards. Some offer straight <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal">cash back on every purchase</a>. Others offer <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=internal">points at airlines</a> or specific retailers. Find the one that best suits you, and watch that money accrue. Even if you get a mere 1% cash back on purchases, that could add up to hundreds of dollars annually. (See also: <a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you?ref=internal">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-nice-ways-to-tell-your-spendy-friends-youre-staying-on-budget">7 Nice Ways to Tell Your Spendy Friends You&#039;re Staying on Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-decide-if-its-a-fund-worthy-emergency">8 Ways to Decide if It&#039;s a &quot;Fund-Worthy&quot; Emergency</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moves-to-make-the-moment-you-get-a-promotion">8 Money Moves to Make the Moment You Get a Promotion</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-your-boomer-parents-could-afford-that-you-cant">8 Things Your Boomer Parents Could Afford That You Can&#039;t</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rich-people-spend-350k-to-park-their-cars-heres-how-wed-spend-it-instead">Rich People Spend $350K+ to Park Their Cars — Here&#039;s How We&#039;d Spend it Instead</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting baby steps cash back change jar emergency fund extra money pennies reduce spending saving small steps spending Mon, 17 Oct 2016 10:30:10 +0000 Tim Lemke 1813254 at http://www.wisebread.com How to Improve Your Finances Using Social Media http://www.wisebread.com/how-to-improve-your-finances-using-social-media <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-improve-your-finances-using-social-media" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_phone_text_94856801.jpg" alt="Woman learning how to improve finances using social media " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Social media is about more than just looking at friends' baby photos, posting what you ate for dinner last night, and watching the most recent viral videos. It can actually help you improve your finances, land a new job, and reach your savings goals more efficiently. That's why we've found some of the best ways to improve your finances by getting the most out of social media. (See also: <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money?ref=seealso">6 Ways Social Media Can Save You Money</a>)</p> <h2>&quot;Friend&quot; Your Credit Cards and Bank</h2> <p>Add your credit card issuers and bank to your social media accounts by &quot;friending&quot; or following them. Large institutions usually offer deals to followers, so you can enjoy a lower APR, higher savings interest rate, or other money-saving promos. In fact, according to U.S. News, social media is often the first outlet that banks choose to <a href="http://money.usnews.com/money/personal-finance/articles/2015/06/03/why-the-financial-services-industry-started-tweeting">share news about upcoming deals</a>.</p> <p>Social media is also possibly the best way to get in touch with customer service quickly, as it will allow you to get their attention more easily. Just make sure to keep your account information, address, and any other private information off the message boards and social media pages.</p> <h2>Enjoy Travel and Shopping Deals</h2> <p>There are endless travel and shopping deals available through social media. Retailers often choose social media as the first outlet to announce upcoming sales, so their friends and followers are able to take advantage of the biggest discounts first. Followers are frequently offered early deals, as well.</p> <p>You can find Twitter-specific deals that can save you on everything from rental cars and vacations to eating out and even buying gifts. Before going out to make any purchases, check Facebook, Twitter, Instagram, and Pinterest to make sure there aren't any deals that you're missing. You can even check social media hashtags, such as #deal, to find the best deals in your area.</p> <h2>Share Goals</h2> <p>Many financial experts recommend sharing your financial goals online. By setting your goals early and sharing them with the people you love, it can help you articulate what you really want and hold you accountable to achieve your goals. In fact, research has shown that making <a href="http://www.fastcompany.com/3047432/work-smart/why-sharing-your-progress-makes-you-more-likely-to-accomplish-your-goals">public statements about goals</a> can help you achieve them more efficiently. However, you never want to reveal anything too personal, such as private information that fraudsters can use against you.</p> <h2>Get Money-Saving Tips</h2> <p>By following your favorite finance site on social media, you can find endless free money-saving tips and updates. You can also find forums and group discussions with unique money-saving ideas and encouragement from others. You can even find good financial and investment advice online.</p> <p>Seeing these tips on a daily basis on your social media pages can also be a good reminder each and every day to protect your hard-earned income. After all, we all need a reminder once in a while that we don't really need that new top or expensive latte in the morning.</p> <h2>Find a New Job</h2> <p>LinkedIn can be an invaluable tool when you're searching for a new job. You can apply for jobs directly through LinkedIn, perfect your resume, and even reach out to potential employers and former colleagues. Contacting them through Facebook or Twitter won't be as effective or as professional as contacting them through LinkedIn.</p> <p>With LinkedIn, once you have created a professional profile, employers and recruiters can even reach out to you with potential job offers. You can also join LinkedIn groups within your field so you are the first to know about potential opportunities. You can even add examples of your work, recommendations from current or previous coworkers, and any honors you've received to better build your online portfolio.</p> <h2>Make Connections</h2> <p>Networking through social media can result in better face-to-face communication, potential job offers, and endless contacts in your field. Simply following someone or sharing their social media posts can be a great first step in networking and making connections.</p> <h2>Build Your Brand</h2> <p>Whether you're promoting your personal business or services, or just want to build your reputation as the best in your field, posting on social media can be a great start. Just make sure to stay consistent so that you can reach as many followers as possible.</p> <h2>Research More Efficiently</h2> <p>Gone are the days of asking for financial suggestions from friends and coworkers. Whether you're looking for a new financial planner or would like information on which investments to make, you can find more information quickly through social media. With a simple social media search, you can find detailed research on the investment product or financial adviser you're interested in.</p> <p>You can also find suggestions for dentists and other service providers in your area through social media. This will ensure you get what you're looking for and don't waste money.</p> <h2>Sell Your Items</h2> <p>If you create and sell items privately, such as through Etsy, social media can be a great free platform for you to advertise your products or services. This can help you bring in more revenue, reach new customers, and show off your work to a limitless audience.</p> <h2>Make Some Extra Income</h2> <p>There are even ways to make some extra income using social media. If you have a large following, you can publish sponsored tweets or sign up for affiliate accounts, where you will receive your own unique link to earn some extra income when followers make purchases using that link. (See also: <a href="http://www.wisebread.com/6-ways-to-make-extra-money-using-social-media?ref=seealso">6 Ways to Make Extra Money Using Social Media</a>)</p> <p><em>Have you followed Wise Bread on social media yet? What are your best tips for improving your finances through social media? </em><em>Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/how-to-improve-your-finances-using-social-media">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-can-learn-from-gilmore-girls">6 Money Lessons We Can Learn From &quot;Gilmore Girls&quot;</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-come-up-with-1000-in-the-next-30-days">How to Come Up With $1,000 in the Next 30 Days</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-of-the-coolest-sayings-about-saving">10 of the Coolest Sayings About Saving</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology advice blogs deals extra money Internet job hunting promotions saving money selling shopping social media travel Mon, 25 Jul 2016 09:00:11 +0000 Andrea Cannon 1753337 at http://www.wisebread.com 9 Ways to Make an Extra $1,000 This Summer http://www.wisebread.com/9-ways-to-make-an-extra-1000-this-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-make-an-extra-1000-this-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_surfboard_beach_17775322.jpg" alt="Kids finding ways to earn an extra $1000 this summer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Want to boost your bottom line this summer? Pick up one of these gigs to put $1,000 or more in your pocket before the season is over.</p> <p>See also:&nbsp;<a href="http://www.wisebread.com/9-dumb-ways-youre-going-to-waste-money-this-summer?ref=seealso" target="_blank">9 Dumb Ways You're Going to Waste Money This Summer</a></p> <h2>1. Take Tests Online</h2> <p>If you fancy chilling inside in the A/C instead of baking under the beautiful sun, consider&nbsp;<a href="http://www.usertesting.com">taking online tests</a> to help build up your bank account. As a tester, you're paid $10 for each 20-minute test you complete. A test involves browsing and providing feedback on a website that is selected for you. Your feedback on the websites design and usability is recorded and at the end of the test you are asked to answer four simple questions. Earning $10 per test, you could easily work early mornings or late evenings for two to three hours (three to six tests) per day. At that rate, you would reach $1,000 in less than 20 days. Hold steady and you're looking at easily making $2,000 to $3,000 this summer.</p> <h2>2. Become an Event Staffer in Your Area</h2> <p>When I was in college, I worked at the local minor league baseball stadium during home games, and with my working wage plus tips, I pulled in a couple thousand dollars over the course of the regular season. If sports aren't your thing (although that aspect shouldn't matter since <em>money</em> is your real thing), poke around for other event-staffing gigs, like working concessions at concerts, cleanup crews for stadium and field events, and security if you look like you could hurt somebody.</p> <h2>3. Register for a Camp Counselor Position</h2> <p>I was a camp counselor during the summer for nearly a decade &mdash; before the very sight of children gave me debilitating migraines &mdash; and I always pulled in good cash, plus free food and lodging. At the very low end of it, I made about $300 per week at a five-day sleepaway camp (of which there were three per summer) up to about $3,000 for an eight-week session. It's not hard work (it can actually be a lot of fun!), and you'll make lifelong friends and memories &mdash; once those little buggers go to sleep, of course.</p> <h2>4. Share Your Knowledge as an Online Tutor</h2> <p>Think you're a smarty pants? Trade your wisdom for cold, hard cash as a tutor.</p> <p>&quot;While you may need a teaching certificate for elementary, high school, and college subjects, many sites that help international students learn English as a second language do not require a degree or certificate,&quot; says Angie Nelson of TheWorkAtHomeWife.com.</p> <p>The number of hours you work will be according to your schedule and how much demand there is, but you can expect to earn at least $10 an hour at most places, if not more.</p> <h2>5. Turn Your Car Into a Taxi or Delivery Service</h2> <p>Lyft and Uber are so passe.</p> <p>If you want to participate in the turn-your-personal-vehicle-into-a-cash-cow economy &mdash; but don't want to drive drunk people around all day &mdash; look into becoming a freelance delivery person.</p> <p>&quot;The gig economy is the hot trend this summer, but not everyone likes the idea of being someone else's personal chauffeur through Lyft or Uber,&quot; says business expert Mike Catania. &quot;Good news &mdash; there are other gig-based jobs out there: Postmates pays their errand-based drivers $12/hour plus tips, and residents around San Francisco, New York, Chicago, or L.A. can be a courier for Shyp, where you can expect to make around $16/hr.&quot;</p> <p>Just log 70 to 90 hours of road time with these services to reach your $1,000 goal.</p> <h2>6. Pick Up Odd Jobs on Craigslist</h2> <p>Don't forget about good ol' Craigslist to make some quick bucks. When I was in college, I used to help elderly folks in their gardens, among other odd jobs here and there. Even today, Craigslist is still an excellent resource for picking up side work. If you dedicated an entire summer to picking up gigs, there's no doubt that you'll reach your $1,000 goal.</p> <h2>7. Rent Out Extra Space in Your Home</h2> <p>I feel like I talk about this nonstop, but if you really want to juice up your summer earnings, rent out the extra space you have in your home. Could be a spare bedroom, or just your couch &mdash; if you live in an area to which people travel, somebody will rent the space if your accommodations are nice enough. I've been doing this for about eight years now, and I've made hundreds of thousands of dollars. Surely you can pull off $1,000 in a summer. At $50 a night &mdash; which is incredibly reasonable for a small bedroom &mdash; you'll only need to book 20 nights, and it's easy work with the help of sites like Airbnb, HomeAway, and Roomorama.</p> <h2>8. Watch Other People's Pets</h2> <p>I started watching other people's pets last spring using sites like DogVacay and Rover, and it's a fun and easy way to make $1,000 this summer if you keep your prices below the nearest competition but still competitive.</p> <p>If you want to add a little philanthropy to your efforts, check out the pet-sitting website called&nbsp;<a href="http://sittingforacause.com/">Sitting for a Cause</a>. The site connects pet owners with pet care professionals, then facilitates bookings and payments through the site. It charges a 10% commission fee, which is 5% to 10% lower than DogVacay and Rover, and donates 50% of its profits to animal related causes. Depending on the services you choose to offer, you can earn anywhere from $20 to $100 per client per day.</p> <h2>9. Rent Out Your Clothing</h2> <p>Have the kind of style that other people would pay for, ladies? Rent out your clothes.</p> <p><a href="http://www.garment-exchange.com/">Garment Exchange</a> is the first community driven peer-to peer marketplace that allows women nationwide to rent their clothing for money. The site facilitates wardrobe sharing by providing all of the packaging and insurance, and handles the communication. It provides clothing owners 80% commission of the rental. Most women rent their items for 20% of the current retail rate.</p> <p>On average, women have over 250 articles of clothing in their closet, which could mean serious income potential on items you wear less frequently.</p> <p><em>Do you have other bright ideas on how to make $1,000 this summer? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/9-ways-to-make-an-extra-1000-this-summer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smart-summer-side-jobs-for-new-grads">6 Smart Summer Side Jobs for New Grads</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-great-side-jobs-for-introverts">10 Great Side Jobs for Introverts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-16-favorite-ways-to-get-rid-of-clutter">My 16 Favorite Ways to Get Rid of Clutter</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income craigslist extra money gig economy pet sitting renting side jobs summer summer jobs Tutoring Wed, 22 Jun 2016 10:30:04 +0000 Mikey Rox 1731287 at http://www.wisebread.com What You Can Buy With $5,000 http://www.wisebread.com/what-you-can-buy-with-5000 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-you-can-buy-with-5000" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kitten_cash_000008767834.jpg" alt="Learning you can buy a kitten and more for $5,000" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>If I had a million dollars&hellip;</em></p> <p>So the song by Canadian alt rockers Barenaked Ladies goes. While it may be fun to imagine what you would spend a cool mill on, it's a lot more realistic to imagine that you may find yourself with $5K to dispose of as you wish. Maybe you got a big tax refund this year, or an unknown uncle left you a little something.</p> <p>Whatever the backstory, here are 11 fun and/or responsible things you could do with $5,000.</p> <h2>1. Pay Off Credit Card Debt</h2> <p>The average American household with credit card debt owes about $15,000. If this is you, making only the monthly minimum payment at a very typical 15% annual interest rate, it could take you seven years to pay off &mdash; and you'd end up wasting $8,000 to $9,000 on interest.</p> <p>Pay down $5,000 of that debt now, and you could finish paying the rest in half the time, for only about $3,000 total interest. (See also: <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt?utm_source=wisebread&amp;utm_medium=seealso1&amp;utm_campaign=article">Use a Balance Transfer to Pay Off Debt Faste</a>r)</p> <h2>2. Get a Cat</h2> <p>Half leopard, half house cat, the Bengal is a beautiful animal and can be yours for <a href="http://adorablekittens.com/20-of-the-most-expensive-cat-breeds-in-the-world/18/">just about $5,000</a>.</p> <p>If being ignored by one feline doesn't cut it for you, you can get more cat for your cash by adopting. With an average fee of around $100, you could bring home <a href="http://www.thecatsite.com/a/how-much-does-it-cost-to-adopt-a-shelter-cat">50 felines for $5,000</a>. Then again, maybe you'll need to save some money for litter and food &mdash; and a really good vacuum cleaner.</p> <h2>3. Start a Business</h2> <p>There are a number of low-overhead businesses you could start with a $5,000 or smaller investment, many of them work-from-home gigs such as being a <a href="http://www.cheatsheet.com/business/15-businesses-you-can-start-with-5000-or-less-2.html/?a=viewall">virtual assistant</a> (expenses include computer, phone, Internet, and possibly training and marketing). You could also buy a small franchise, such as a <a href="http://www.thefranchisemall.com/franchises/details/13818-0-all_american_hot_dog_carts.htm">hot dog cart</a>, for $5,000 or less.</p> <h2>4. Take Your Inner Geek on a Vacation of a Lifetime</h2> <p>For about $5,000, you can take the <a href="http://www.firstlighttravel.com/group-tours/new-zealand-adventure-tours-new-zealand/new-zealands-lord-rings-location-tour">Lord of The Rings New Zealand Tour</a>. The trip includes staying at the adorable Hobbit Hotel &mdash; but second breakfasts and elevenses are on you.</p> <h2>5. Bank It</h2> <p>Interest rates are still low, but you can get <em>some</em> return on your money if you deposit it.</p> <p>EverBank currently pays 0.61% on its money market accounts and compounds interest daily, so after five years of compounding interest, you would have $5,154. So basically, after five years of saving, you'll have earned enough interest to buy a scooter or have your house cleaned once.</p> <h2>4. Give It to an Old Person: Future You</h2> <p>If you're not regularly depositing money in an IRA from your paycheck, you can meet almost the entire year's <a href="https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-Contribution-Limits">maximum deposit</a> with a $5,000 lump sum contribution.</p> <p>Because traditional IRAs grow tax-free, you might be amazed at how much your $5,000 deposit could blossom into by the time you retire. Assuming a 7% annual return, if you deposit $5,000 at age 20, you could have more than $50,000 by age 65. Not bad!</p> <h2>5. Indulge Yourself for a Year</h2> <p>For $5,000, you could get a one-year subscription to a <a href="https://www.caskers.com/clubs/whiskey/">whiskey club</a> ($600), a <a href="http://www.1-800-kobebeef.com/48ozkobestpe.html">Kobi beef of the month club</a> ($1,250), a <a href="http://thefreshlobstercompany.com/product-category/seafood-of-the-month-club/">seafood of the month club</a> (about $1,660), a <a href="http://www.sweetemotionscandy.com/">candy of the month club</a> (about $300), and order one <a href="https://www.soothe.com/sf?utm_source=google&amp;utm_medium=cpc&amp;utm_campaign=san+francisco&amp;gclid=CjwKEAjw0pa5BRCLmoKIx_HTh1wSJABk5F_4CGfgwWvoqqotkCvC7pNOm8aG4rKMnxmebDmV5JZU7BoCyJDw_wcB">in-home massage</a> per month ($1,200). A great deal for xenophobes, freelance writers, or folks on house arrest!</p> <h2>6. Donate to Charity</h2> <p>It will make you feel great, and you can deduct your gift from your taxable income. Make sure your recipient is a qualified nonprofit &mdash; you can look it up on the <a href="https://apps.irs.gov/app/eos/">IRS website</a> &mdash; and remember that you need a letter of verification from the charity for all donations over $250.</p> <h2>9. Eat a Burger</h2> <p>The <a href="http://www.alux.com/most-expensive-burger-in-the-world/">Fleurburger 5000</a>, served at Hubert Keller's Fleur eatery in Las Vegas, is made with Wagyu beef, foie gras, shaved black truffles, and truffle oil. It comes with a bottle of fine wine &mdash; and fries.</p> <h2>10. Grill Your Own Burgers In an Outdoor Kitchen</h2> <p>While you can flip burgers on the most inexpensive hibachi, making your yard into a <a href="https://www.angieslist.com/articles/how-much-does-outdoor-kitchen-cost.htm"><em>plein air</em> living space</a> where you can comfortably cook starts around $5,000 for a decent grill, an island with a built-in refrigerator, and a dining set.</p> <h2>11. Skip Waiting in Lines for a Year</h2> <p>Estimates for how much time Americans spend waiting in line in a lifetime vary from <a href="http://content.time.com/time/magazine/article/0,9171,1657807,00.html">two to five years</a>. That boils down to hundreds of hours per year! You can pay line waiters about $25 per hour on TaskRabbit or through local services. So for $5,000, you can get out of 200 hours of line waiting. Pro tip: Don't blow it all on one phone.</p> <p><em>What would you do with $5000?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/what-you-can-buy-with-5000">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flower-power-a-guide-to-frugal-valentines-flowers">Flower Power - A Guide to Frugal Valentine&#039;s Flowers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-free-things-that-arent">8 &quot;Free&quot; Things That Aren&#039;t</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unbearably-stupid-packaging">Dumbest packaging ever?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping donating extra money Food Paying Off Debt pets savings Splurging windfalls Wed, 18 May 2016 09:30:22 +0000 Carrie Kirby 1703944 at http://www.wisebread.com 6 Smart Summer Side Jobs for New Grads http://www.wisebread.com/6-smart-summer-side-jobs-for-new-grads <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-smart-summer-side-jobs-for-new-grads" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000092438829_Large.jpg" alt="bartending is a great summer job for a grad" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With a high school diploma in hand, you probably feel like the world is yours. And hey &mdash; you should! But you've still got to pay to play. It's a long, hot summer that lies between graduation and dorm room move-in day, and all the camping trips, summer concerts, and ice cream cones you'll want to enjoy during that time don't come free of charge. Someone's gotta pay for all that revelrie. That's where the trusty part-time job comes in. And, if you're lucky, you'll land a gig you can keep doing part-time once school begins. Here's a bunch of smart summer side gigs for new grads. (See also: <a href="http://www.wisebread.com/12-great-side-jobs-for-outdoorsy-types?ref=seealso">12 Great Side Jobs for Outdoorsy Types</a>)</p> <h2>1. Score a Paid Internship</h2> <p>You can kill two birds with one stone in the side job department. Land a paid internship in your desired field to make money now and earn experience for your future. Whether it's engineering (inquire with the engineering and tech companies in your area), teaching (search for opportunities with summer schools and camps), or journalism (look for a gig at your local newspaper), there's probably an internship, apprenticeship, or regular part-time job out there that will pay you to get a head start on your career.</p> <p>If you don't find any advertised gigs that appeal to you, utilize your go-getter attitude and call some local businesses that do work that you find appealing. Sometimes the best jobs are the ones we create for ourselves.</p> <h2>2. Make Money Tutoring</h2> <p>Fresh out of calculus, you're a prime candidate to prime the incoming senior class, especially those who are struggling with Pythagorean theorem basics. Or maybe you're a wiz at essay composition with the patience and creativity to help students who are looking to spruce up their college admittance essays. Whatever your academic strong suit, use it to bring in a little extra cash while aiding the scholastic pursuits of others.</p> <p>And if you're not comfortable teaching academics, don't think you can't make money teaching skills you <em>are</em> comfortable sharing, such as computer word processing, social media basics, or a musical instrument. Lots of kids (and adults) need help in these areas. In addition to working face-to-face with students in your area, you can also tap into the deeper pool of students-in-need-of-tutoring online. Check out <a href="http://student-tutor.com/online-tutoring-jobs/">Student-Tutor</a> and <a href="http://www.tutor.com/apply">Tutor.com</a> to get started. The going rate for a private tutor falls around $15 and $20, depending on your age and experience level.</p> <h2>3. Cash In on the Summer Festival Circuit</h2> <p>Summer brings a flurry of fairs, markets, outdoor theatre, and concerts to the neighborhood, and all of these activities need temporary employees to keep things running smoothly. From ticket salespersons to parking lot attendants, there are a slew of jobs available, and many of them come with perks such as ticket discounts or free entry to these events. Keep your eye on the local paper or contact event organizers and concert venues directly to inquire about part-time job opportunities.</p> <h2>4. Master the Art of Bartending</h2> <p>Bartending means big tips and &mdash; bonus &mdash; it's a gig that most often leaves you with your days wide open for sunbathing and river tubing, or however you choose to spend your final days before college. And if you need one more good reason why it's smart to learn the art of pouring the perfect cocktail: Time and time again, no matter where you wander in life, you can take up a bartending gig when you're in need of fast cash. Like when you land your first full-time job, but want to pay off those student loans faster than your salary allows. When you get laid off from that full-time job and need some time to calculate the next step in your career. Or when you decide to up and move to Paris for a year and you need to fund your new diet of fine wine and cheese.</p> <p>To get started, find a small, locally owned bar that's willing to show you the ropes. The average hourly <a href="http://www.payscale.com/research/US/Job=Bartender/Hourly_Rate">pay for a starting bartender</a> falls around $16 per hour, including tips. Note that in some U.S. states you must be 21 or older to be a bartender &mdash; but in most states, 18 is old enough. Check with your local authorities.</p> <h2>5. Profit Off of Wedding Season</h2> <p>The American <a href="http://www.ibisworld.com/industry/default.aspx?indid=2008">wedding industry</a> is worth $60 billion and employs more than 900,000 people. Why not cash in on nuptial mania by picking up a part-time gig with a caterer, make-up artist, florist, photographer, or outdoor lighting company? Bonus: June is one of the most popular months to say &quot;I do,&quot; thanks to the delightful early summer weather. Just in time for the post-graduation grind.</p> <h2>6. Try Your Hand at Landscaping</h2> <p>Sweet summertime. It's a season to be spent out on the lawn grilling up dinner for the family, basking in the sun, or playing a game of kickball with the neighbors. Of course, trim, green lawns and nicely sculpted hedges don't appear out of thin air. And many folks are willing to pay a sizeable wage to avoid doing all that mowing, watering, and planting themselves. That's where you come in. Join a landscaping business or score your own clients by posting fliers and Facebook posts advertising your services.</p> <p><em>What are some other smart side jobs for new grads? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-smart-summer-side-jobs-for-new-grads">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-holiday-gigs-that-are-perfect-for-introverts">5 Holiday Gigs That Are Perfect for Introverts</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-make-an-extra-1000-this-summer">9 Ways to Make an Extra $1,000 This Summer</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/check-out-these-5-legit-mystery-shopping-gigs">Check Out These 5 Legit Mystery Shopping Gigs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-terrible-work-from-home-jobs-you-should-avoid">8 Terrible Work-From-Home &quot;Jobs&quot; You Should Avoid</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting extra money graduation job search new grads real world side gigs side jobs summer jobs Wed, 11 May 2016 09:30:30 +0000 Brittany Lyte 1707437 at http://www.wisebread.com 6 Great Retirement Jobs http://www.wisebread.com/6-great-retirement-jobs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-great-retirement-jobs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000084253925_Large.jpg" alt="looking for a great job in retirement" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With the cost of living always on the rise, retirees are looking for creative ways to supplement their incomes. And for those living on fixed incomes, finding part-time work can be tricky and sometimes challenging, because they cannot exceed the SSI annual earnings threshold of $15,720, and $41,880 for those in their first full year of retirement. But, if you're looking for ways to supplement your income, here are five great part-time retirement job ideas.</p> <h2>1. Local Tour Guide</h2> <p>The sharing economy is making all sorts of short-term side jobs available, and if you've got a lot of local knowledge, consider setting yourself up as a tour guide on a service like <a href="https://www.vayable.com/">Vayable</a>. Rates range from $50&ndash;$85 per person, per tour. If apps and computers are not your thing, check with local tour operators or local tourist attractions about picking up a shift or two. You'll put your wisdom and experience to work &mdash; and you'll meet lots of great people, besides.</p> <h2>2. Tutor or Teach</h2> <p>You don't need a background as a teacher in order to help others learn. If you're good at math, English, or any other subjects, consider tutoring or teaching part-time. You can set your own rates, and signing up with a tutoring website like <a href="http://www.varsitytutors.com/">VarsityTutors</a> will pair you with students. And there are so many opportunities to teach, because it goes beyond the classroom these days, as many people prefer the convenience of online courses.</p> <h2>3. Babysitter</h2> <p>Do you have an interest in working with kids? If so, it could be a valuable skill-set. Part-time babysitters can earn as much as $25 per hour, and they work on their own terms. Plus, if you already have experience working with kids, and a flexible schedule, you'll probably find lots of job opportunities.</p> <h2>4. Postpartum Doula</h2> <p>Jackie Prescott, founder of <a href="http://www.firstbumpthenbaby.com/">First Bump Then Baby</a>, says becoming a modern-day baby nurse is a great way for older women (and men!) to earn money, because it's essentially about mothering new mothers and helping new parents to quickly feel at ease.</p> <h2>5. Tax Preparer</h2> <p>Some people think of tax preparation services as a seasonal job, but the truth is, many self-employed individuals and businesses deal with tax issues year-round. If this is a skill-set that you possess, it can earn you a sizable penny. But, because it is so lucrative, be careful not to cross the annual earnings threshold if you're receiving SSI.</p> <h2>6. Become an Uber or Lyft Driver</h2> <p>The Uber and Lyft car sharing programs have grown to reach every city, and they're looking for drivers everywhere. Anyone with a valid driver's license and clean criminal record is eligible to become a driver. Drivers are of all ages and professional backgrounds. Many are stay-at-home moms and current and former professionals seeking a way to earn extra income. (See also: <a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft?ref=seealso">How to Earn Extra Money Driving for Uber or Lyft</a>)</p> <p><em>What are some other great side jobs for retirees? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/6-great-retirement-jobs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers">6 Great Side Jobs for Book Lovers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-great-side-jobs">30 Great Side Jobs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-make-an-extra-1000-this-summer">9 Ways to Make an Extra $1,000 This Summer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Extra Income Retirement extra money jobs part-time jobs retirement jobs side jobs Fri, 22 Apr 2016 09:00:09 +0000 Qiana Chavaia 1695168 at http://www.wisebread.com The Smart Way to Budget on a Freelance Income http://www.wisebread.com/the-smart-way-to-budget-on-a-freelance-income <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-smart-way-to-budget-on-a-freelance-income" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000081820163_Large.jpg" alt="Learning to budget on a freelance income" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If the <a href="https://www.upwork.com/press/2014/09/03/53-million-americans-now-freelance-new-study-finds-2/">53 million freelancing Americans</a> agree on one thing, it's that their lifestyle gives an unbeatable level of flexibility, and can be an extremely lucrative working model. If there was a second thing the global freelance community might agree on, however, I would bet that it's the fact that managing your money as a freelancer can be a nightmare.</p> <p>With income varying month by month, budgeting can be tricky &mdash; but having a solid budget is all the more important because of the normal fluctuations of income most freelance workers experience. So how do you go about setting a budget as a freelancer? The following steps can guide you.</p> <h2>Step One: Determine What You're Spending</h2> <p>Before you can start creating a budget, you need to get a picture of how your spending looks today. Set a challenge for yourself to record all your expenses over the course of a month. This could be using pen and paper, collecting receipts, and then adding them all up later, or using one of these <a href="http://www.wisebread.com/10-sites-and-apps-to-help-you-track-your-spending-and-stick-to-your-budget">great spending tracker apps</a>.</p> <p>Once you have some measurable data about your spending patterns, group different expenses together, and add in the known costs that did not occur during your test month. If you pay annual insurance premiums, or other annual bills, for example, divide the total by 12, and add that figure to your monthly calculation.</p> <p>As an example, you may put together the following categories:</p> <ul> <ul> <li><strong>Housing</strong> &mdash; rent or mortgage, utilities, insurance</li> <li><strong>Debt</strong> &mdash; credit or store cards, student loans</li> <li><strong>Transport and commuting</strong> &mdash; public transit ticket costs, or car loan, petrol, parking and servicing costs, as well as any insurance you pay</li> <li><strong>Taxes</strong> (As a freelancer this is especially important!)</li> <li><strong><strong>Savings</strong></strong></li> <li><strong>Personal expenses</strong> &mdash; food, phone bills, vacations, clothes, gifts, parties, and regular health costs</li> <li><strong>Fun</strong> &mdash; all entertainment</li> </ul> </ul> <p>The categories you choose will vary according to your lifestyle, but by grouping them like this, you have an overview &mdash; which is helpful if you later decide you need to trim the budget a little.</p> <h2>Step Two: Create a Baseline Budget</h2> <p>Your goal now is to create a <em>survival </em>budget, and an <em>ideal </em>budget. The survival version is your baseline, and should not include any unnecessary costs. This is your worst case scenario information about how much you need to spend, even if there is a problem and you're out of work for a while.</p> <p>The ideal version can be much more relaxed &mdash; covering your preferred spending levels and any discretionary spending on hobbies and entertainment.</p> <p>Scrutinize your recorded spending by category. Remove any optional costs, and add the categories together for your baseline monthly budget. Once you have done this, you can put the fun stuff back into your budget &mdash; along with your preferred levels of saving, and any discretionary spending, like donations to charities. You should now have a monthly total for your minimum and ideal levels of spending.</p> <h2>Step Three: Optimize Where Possible</h2> <p>Now is the time to look at your monthly income. As a freelancer, this might vary significantly month-to-month, so taking your annual income and dividing it by 12 for an average can make the process easier. If you are more risk averse, or have little or no financial cushion at the moment, then you may choose to take your lowest month's income as your model instead of an average.</p> <p>How does your monthly income match up with your projected baseline and ideal budget? This exercise should give you a view of how realistic your figures are, but if your income falls below your survival budget, then you need to think about how you can make the numbers match.</p> <p>Are there other items you can remove from your budget, or can you reduce regular costs such as utilities or insurance premiums? Alternatively, can you <a href="http://www.wisebread.com/11-freelance-jobs-that-pay-surprisingly-well">bring in some extra income</a> on top of your usual workload to help balance the books?</p> <h2>Step Four: Pay Yourself</h2> <p>Set yourself a trial budget, factoring in both your expected income and your necessary expenses. If it looks like you can be quite comfortable on the income you expect on a monthly basis, then go with your ideal budget. But if you're concerned, then try the baseline budget for a while to see how it works out.</p> <p>Whichever spending level you go for, pay yourself a paycheck to help you smooth out the ups and downs. You could do this quite literally, by billing clients to one account and transferring only a fixed amount to your main spending account on a monthly basis.</p> <p>Your aim is to even out your spending, so any additional income you make in a lucrative month can be saved, and added to an emergency fund or used as a financial cushion for periods when income falls.</p> <h2>Step Five: Make a Long-Term Plan</h2> <p>If you're able to earn enough to support your chosen lifestyle, then over time you will be able to create a financial buffer and build savings. If you use any extra income mindfully, rather than allowing your spending to creep up without noticing it if your earnings increase, then you can repeat the budgeting exercise as your personal circumstances and needs change.</p> <p>More of us are now working in a freelance model, and studies suggest that anything from 40%&ndash;50% of workers will be working freelance by 2020. With freedom-loving Millennials quickly becoming the largest segment of the working population, this is hardly surprising. But with the struggles faced by freelancers trying to budget effectively, the Gen Y trailblazers already reshaping the future of work now need to turn their attentions to planning their finances.</p> <p><em>How do you manage your freelance budget? Share your tips in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/the-smart-way-to-budget-on-a-freelance-income">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">5 Unexpected Side Benefits of Your Side Hustle</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-festive-ways-to-make-extra-money-for-the-holidays">16 Festive Ways to Make Extra Money for the Holidays</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-launch-your-second-career">How to Launch Your Second Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-extra-income-with-twitter">How to Earn Extra Income With Twitter</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Extra Income extra money freelance freelancing side business side hustle side job Wed, 20 Apr 2016 09:30:26 +0000 Claire Millard 1693788 at http://www.wisebread.com How to Make $400+ a Week as a Pet Sitter http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-400-a-week-as-a-pet-sitter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000024530979_Large.jpg" alt="making extra money as a pet sitter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a pet sitter since the age of 10, I've taken care of everything from dogs to cats to gerbils to guinea pigs, and have pet sat at many gorgeous homes with fabulous amenities. One client I worked with even lived right down the street from Oprah! Not a bad way to earn some extra cash, am I right? (See also: <a href="http://www.wisebread.com/10-great-side-jobs-for-introverts?ref=seealso">10 Great Side Jobs for Introverts</a>)</p> <p>Here are six steps to making $400+ a week in your spare time as a pet sitter.</p> <h2>1. Set Your Services and Prices</h2> <p>Pet sitters can offer a variety of services, from dog walking to daycare, daily check-ins, baths, overnight services, and more. When determining which services you will offer, think about your what kinds of pets you are comfortable with as well as how much time you have to spend pet sitting. You won't want to offer dog walking services if you aren't comfortable walking large dogs, and you won't want to offer daycare services if you have a full-time job.</p> <p>You'll also need to research how much pet sitters in your area charge for the same services you want to offer in order to figure out how much you should charge. Don't price yourself too high or too low. Be competitive for your city! For example, in Newport Beach, CA, I priced my services at $60 per night for overnight sitting and $20 per day for daily check-ins. One week of overnight sitting earns me $420, and if I'm able to add in a drop-in client or two, I can earn upwards of $560 per week.</p> <h2>2. Advertise</h2> <p>If this is your first time pet sitting, start with your family and friends. Offer to watch their pets for a discounted fee so that you can build up your portfolio and reference list. Be sure to ask them for referrals as well!</p> <p>Another option to find clients is the Internet. A site like <a href="http://www.sittingforacause.com/">Sitting for a Cause</a> (which, full disclosure, I own and operate) can help pet parents in your area find you and learn about the services you offer. You can also create your own website or make a Facebook page to help people find you.</p> <p>Additionally, you can make business cards and leave them under people's doormats or post fliers at local dog parks, shelters, or pet supply stores. Leaving your information where pet owners will see it can help you grow your business.</p> <h2>3. Meet Clients in Person</h2> <p>When a prospective client contacts you, find out the details of the job including the type of service they need, the dates of service, and information about their pets. If the job sounds like something that will fit into your schedule, set up a meet and greet!</p> <p>A meet and greet is your opportunity to meet the client and pets as well as learn more about what would be expected of you while the client is away. Along with the basic information like feeding schedules, exercise and bathroom needs, medical history, and location of all pet supplies, be sure to find out:</p> <ul> <li>How well trained the pet is and any commands he or she knows;<br /> &nbsp;</li> <li>If the pet is good with other animals;<br /> &nbsp;</li> <li>Behaviors you should reward for and bad behaviors you should watch out for;<br /> &nbsp;</li> <li>Information about people who will be coming and going from the house (i.e. housekeepers, gardeners, and pool cleaners);<br /> &nbsp;</li> <li>If you need to water plants, pick up newspapers, or bring in mail;<br /> &nbsp;</li> <li>How to arm and disarm any alarm systems.</li> </ul> <p>If you feel confident a job is a good fit and you can handle all the responsibilities that come with it, accept it! If not, it's always okay to turn down a job.</p> <h2>4. Take Awesome Care of Their Pets</h2> <p>This one is simple: just do everything that is asked of you. Feed pets when they are supposed to be fed the exact amount they are supposed to be fed, keep water bowls filled, make sure pets get the exercise they need, scoop litter boxes daily, clean cages as required, pick up poop from the yard, give treats as suggested, bring in the mail and newspapers, water plants as needed, and follow any other instructions from the client.</p> <p>And, obviously, spend lots of time playing and cuddling with their pets. You were hired to be a surrogate parent while your client is gone, so enjoy your temporary parenthood!</p> <h2>5. Go Above and Beyond</h2> <p>During your job, do more than just the basics. Here are some ideas to help you go the extra mile to make your clients happy:</p> <ul> <li>Send updates and pictures;<br /> &nbsp;</li> <li>Notify them if their food supply seems low and offer to run to the store to pick some up;<br /> &nbsp;</li> <li>If a favorite pet toy looks like it's falling apart, get a replacement;<br /> &nbsp;</li> <li>If your client is celebrating a special occasion, leave some pet-safe flowers and a nice note;<br /> &nbsp;</li> <li>Leave the house in cleaner condition than it was when you arrived on your first day.</li> </ul> <p>When you go above and beyond, don't expect or ask for reimbursement from clients on items you purchased for them. Going above and beyond is an investment in your client and will keep them hiring you for years to come.</p> <h2>6. Follow Up</h2> <p>On the final day of the job, if you leave a client's house before they return, call or send them a text a few hours after they were supposed to return (or if they returned late, the next morning) to ensure they are home with their pets. They will appreciate knowing you care enough to check in.</p> <p>It's also nice to check in with clients from time to time. A quick email every so often asking how their pets are doing or sending a Christmas card is always a nice gesture that will keep you at the top of their list of people to call the next time they need a sitter. It also increases the odds they will refer their family and friends to you!</p> <p><em>Are you an animal lover? Would you ever try pet sitting? Leave a comment and let us know! </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-smart-way-to-budget-on-a-freelance-income">The Smart Way to Budget on a Freelance Income</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-rich-walking-dogs-in-9-easy-steps">Get Rich Walking Dogs in 9 Easy Steps</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-festive-ways-to-make-extra-money-for-the-holidays">16 Festive Ways to Make Extra Money for the Holidays</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-extra-income-with-twitter">How to Earn Extra Income With Twitter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income cats dogs extra money pet sitter pet sitting pets side hustle side job Fri, 15 Apr 2016 09:30:29 +0000 Ashley Jacobs 1689532 at http://www.wisebread.com 6 Ways to Make the Most of Your Morning Commute http://www.wisebread.com/6-ways-to-make-the-most-of-your-morning-commute <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-make-the-most-of-your-morning-commute" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000047834616_Large.jpg" alt="making the most of her morning commute" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Unless you work right down the street from your office, or you work from home, then you are forced to suffer through a daily commute. If you commute by car, you're probably spending a decent amount on gas, as well as adding wear and tear to your vehicle. And if you're convinced that car commuting is the only way for you, then <a href="http://www.commutesolutions.com/commute-cost-calculator/">calculating the cost of your commute</a> might just be enough to make you change your mind.</p> <p>Commuting via public transportation isn't that much fun, either. It might save you gas money, but you're swapping that for longer travel times and being surrounded by crowds of strangers. But what if you could make some extra cash during that travel time?</p> <p>Here are six smart ways to boost your income, as well as saving on the equivalent journey by car. (See also: <a href="http://www.wisebread.com/10-financial-moves-you-can-make-during-your-commute?ref=seealso">10 Financial Moves You Can Make During Your Commute</a>)</p> <h2>1. Buy and Sell on eBay</h2> <p>You've got clutter or unwanted items to clear away. You're thinking of selling them through eBay or a similar site, but getting around to listing sales is exactly the sort of fiddly task that often gets pushed to the bottom of the to-do list.</p> <p>Switch your mindset and use listing your spare stuff as a way to turn dead commute time into an earner. Make sure you have quality photos of your items taken in advance and use the commute to research the market, perfect your listing, and respond to bidder questions. For bonus points, use the 10-day listing option on a Thursday, and bidders will have two full, high-traffic weekends to view and bid.</p> <h2>2. Write</h2> <p>If you enjoy writing, then why not use your commute time to develop a <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them">freelance writing side hustle</a>? Online magazines and blogs frequently look for freelance contributions from subject matter experts, so pick your niche and find the sites that fit. Many have a &quot;Write For Us&quot; page which explains their freelance contributor policy, to help you figure out how to move forward. Don't think too hard about how to commercialize this sideline, though, just get writing to perfect your craft and find your voice.</p> <p>Scoring paid work is easier if you have already developed an online presence, which can be done by writing your own blog or contributing articles for free to high traffic sites who will credit you. It's not going to turn you into an overnight millionaire, but can be a fun way to explore your creative side while making a little cash.</p> <h2>3. Coach Online</h2> <p>The advent of digital coaching means that not only can you access the services of a coach much more easily, you only need a smartphone to become a paid coach in your area of expertise.</p> <p><a href="http://coach.me">Coach.me</a> is a goal tracking and coaching app that is forging a new future for digital coaching. And people who have already succeeded in achieving a particular goal can coach others to replicate their success.</p> <p>After taking a digital coaching certificate, you can get started in text-based coaching, creating a profile page to attract clients, and getting access to the platform's marketing support. In return, Coach.me takes a cut from coaching earnings. Check out the competition, as some goals have many active coaches already. But with app users wanting support with everything from diet advice to language learning, you could cut your own niche here, and communicate with your clients during your commute on the bus.</p> <h2>4. Craft and Sell<strong> </strong></h2> <p>This one might not work so well for you if your chosen creative expression is monumental masonry or cordon bleu cookery. However, if your passion is knitting, crochet, embroidery, graphic design, manga drawing, cartoons, or anything else that can feasibly fit in your bag, then use your commute time to create and sell.</p> <p>Etsy is the classic marketplace for crafted goods, although eBay or similar sites could also be good places for selling your stuff. Start small and sell to family and friends, or attend a craft fair where you can get feedback from your customers and nail down your pricing and packaging. Then widen your market by putting your goods online and building a customer base using social media &mdash; which you can also attend to while sitting on the train.</p> <h2>5. Get Qualified</h2> <p>If the creative side hustle isn't your thing, then how about using your commute to achieve a relevant qualification that you can use as leverage to get a pay raise? Or take a course in something completely different that could be a springboard for a whole new venture?</p> <p>Even if you're still stuck driving your car to work, you can use the time to stretch your brain by listening to podcasts. Try <a href="http://www.wisebread.com/the-5-best-money-podcasts">financial information podcasts</a> to help you manage your money better, or business and leadership topics to help you make a real impact in your day job. If a podcast can give you the negotiating tips you need to score a raise, then it's time well invested!</p> <h2>6. Do Your Homework</h2> <p>Some people simply can't get enough of homework &mdash; even when they finish up their education. Because for some people, helping others with their homework is a lucrative sideline.</p> <p>If this is up your alley, you could try advertising as a homework helper at a freelance marketplace like <a href="http://www.peopleperhour.com/freelance/homework">People Per Hour</a>, or a semi specialist agency like <a href="https://www.thepensters.com">The Pensters</a>. If you have a degree yourself in the subject you want to work with, you could try <a href="http://www.allhomework.net/index.aspx">All My Homework</a> or <a href="http://www.acemyhw.com">Ace My Homework</a>. These platforms all work slightly differently, often with students posting the homework assignment they need help with, for writers to bid for the work. The student then leaves feedback, such as the grade the work achieved, for others to review. Check out the individual site terms if you're tempted by this commute money spinner.</p> <p><em>How do you stay busy on your commute? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/6-ways-to-make-the-most-of-your-morning-commute">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-money-by-starting-a-blog">Can You Really Make Money by Starting a Blog?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-festive-ways-to-make-extra-money-for-the-holidays">16 Festive Ways to Make Extra Money for the Holidays</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-smart-way-to-budget-on-a-freelance-income">The Smart Way to Budget on a Freelance Income</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-earn-extra-income-while-christmas-shopping">8 Ways to Earn Extra Income While Christmas Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Extra Income commute extra money making money morning commute public transportation side job Thu, 07 Apr 2016 09:31:19 +0000 Claire Millard 1686022 at http://www.wisebread.com 13 Ways to Make Money From Valentine's Day http://www.wisebread.com/13-ways-to-make-money-from-valentines-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/13-ways-to-make-money-from-valentines-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000064829127.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While Valentine's Day is traditionally for lovers, it's also for savvy entrepreneurs. Instead of emptying your wallet to buy your special someone something special (aka &quot;expensive&quot;), you can actually turn a profit by setting up a side gig. Take advantage of the Hallmark holiday by raking in cold, hard cash with these 13 ways to earn extra money from Valentine's Day.</p> <h2>1. Create Handmade Valentine's Cards</h2> <p>If you're crafty or have decent graphic design skills, create your own line of heartfelt or funny Valentine's greeting cards. They're relatively easy to make &mdash; keeping them clever will probably be the hardest part &mdash; and you can sell them on Etsy, Bonanza, and a host of other sites that <a href="http://moneypantry.com/etsy-alternatives/">cater to handmade items</a>. You'll can find colored envelopes at your local office-supply or craft store, and be sure to account for the cost of materials and shipping when pricing so you can make a decent profit.</p> <h2>2. Deliver Stuff</h2> <p>Not all local companies have the resources to offer delivery services, and that's where you come in. Identify some of the businesses that are particularly relevant around Valentine's Day and contact them to see what their delivery needs are. Places like florists, gift shops, and bakeries may be able to use an extra hand.</p> <p>Bear in mind that this gig will likely be under-the-table because of insurance restrictions, so consider that before deciding if this is right for you. Even better, you may be able to score private gigs from, say, a guy who wants to send his girlfriend flowers last minute so he can save on the high shipping and delivery costs. One man's procrastination is your extra cash.</p> <h2>3. Play Chef for a Couple's Romantic Dinner</h2> <p>Are you a whiz in the kitchen? Offer to cook a multi-course meal for family, friends, co-workers, or even strangers who want to enjoy a relaxing Valentine's Day at home without all the hassle of cooking a romantic dinner. Plan a special menu of the couple's favorite dishes &mdash; complete with candles, ambient lighting, and mood-setting music &mdash; and set your fee to accommodate for the ingredients, travel, and time spent setting up, cooking, and cleaning after the meal.</p> <h2>4. Write Love Letters for Would-Be Casanovas</h2> <p>Most people aren't very slick when it comes to writing poetry or love letters, but if you're a gifted writer who can make people swoon in just a few sentences, putting sweet nothings on paper might be your money maker. (See also: <a href="http://www.wisebread.com/11-life-skills-that-are-now-completely-obsolete?ref=seealso">11 Life Skills That Are Now Completely Obsolete</a>)</p> <h2>5. Plan Exciting Date Experiences</h2> <p>Everybody has their strengths, but men aren't always the best at planning special, exciting, or romantic dates. There are some creative dudes out there, for sure, but for the most part, the male of the species needs help in this area. If you happen to excel in this department, put together a few itineraries that are too good to pass up, and then do the due diligence so you can get paid by setting up the date to ensure that it goes off without a hitch.</p> <h2>6. Babysit or Pet Sit</h2> <p>All those parents you know &mdash; both of human and fur babies &mdash; deserve a break, too. And you can cash in big if you have the skills, certifications, and patience to babysit or pet sit while Mom and Dad enjoy a night out on the town.</p> <p>According to UrbanSitter's 2015 Babysitting and Nanny Rates Survey, you're looking at about $15 per hour for one child and upwards of <a href="https://blog.urbansitter.com/2015-babysitting-nanny-rates-survey/">$20 per hour for three children</a>. Add in a 15%-20% tip plus pizza money and you could take home a legit payday, albeit with a few more gray hairs. For pet sitting, you can expect between $10 and $15 per hour, as estimated by Care.com's <a href="http://www.care.com/pet-sitting-rates">pet care rate calculator</a>.</p> <h2>7. Bake Valentine-Themed Goodies</h2> <p>What's Valentine's Day without dessert? That's the best part! Whip up your famous cookies, cakes, and pastries, and shop them around to local eateries (you'll fare better if you establish yourself as a small business with well-packaged goods and a business card; both of which are easy to do), or offer them up to your private network of friends, family, and co-workers.</p> <h2>8. Unload Unwanted Jewelry</h2> <p>If you have a collection of jewelry with which you're willing to part, you may be able to find interested buyers in your area. Instant-list apps like Wallapop, VarageSale, and OfferUp have made it simpler than ever to unload your items by snapping a photo, writing a short description, and naming a price.</p> <h2>9. Promote Your Party-Planning Skills</h2> <p>There may not be a huge market for amateur party planners, but it's worth a shot. If you're known for throwing memorable shindigs, you might be able to drum up some business. Shop the dollar stores for decorations to keep costs down.</p> <h2>10. Busk, or Serenade Couples</h2> <p>Throw a hat or instrument case on the ground in a well-traveled area and belt out love songs all day. If you want to be more proactive about it, take your show on the road and wander up to lovey-dovey couples for a serenading session. That dude would be a dummy if he didn't at least reach in his pocket for a dollar.</p> <h2>11. Photograph Couples' Special Moments</h2> <p>Valentine's Day, with all the sentiment that surrounds it, is prime time for weddings, engagements, and other relationship-specific photo ops. If you're handy with a camera, offer to snap shots of the special moments that the happy couple will cherish forever.</p> <h2>12. Draw or Paint Couples' Portraits</h2> <p>You don't have to be a well-established or recognized artist to sell your work. Some couples may enjoy the prospect of being drawn or painted, not only as a Valentine's Day activity, but also a gift to themselves that they can hang in the home as a reminder of their love.</p> <h2>13. Host a Singles Party for All Your Lonely Friends</h2> <p>Planning on spending Valentine's Day alone? Not anymore. Host a party at home for singles, if you have a large and diverse network of friends. Charge a few bucks admission to cover the cost of food, décor, drinks, and so you can walk away with a reasonable wage.</p> <p><em>Do you have other ways to make extra cash on Valentine's Day? I'd love to hear some of your ideas in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/13-ways-to-make-money-from-valentines-day">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-must-know-about-money-before-you-take-a-side-job">10 Money Moves You Need to Make Before You Take a Side Job</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-valentines-day-picks-your-pocket">8 Ways Valentine&#039;s Day Picks Your Pocket</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-earn-extra-income-while-christmas-shopping">8 Ways to Earn Extra Income While Christmas Shopping</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads">12 Side Jobs for Stay-at-Home Moms and Dads</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-money-recycling">Make Money Recycling: Get Paid to Recycle by 15 Websites</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income extra money Holidays money part-time job Valentine's Day Mon, 08 Feb 2016 10:00:05 +0000 Mikey Rox 1651572 at http://www.wisebread.com 7 Employer Benefits That Can Leave More Spending Money in Your Pockets http://www.wisebread.com/7-employer-benefits-that-can-leave-more-spending-money-in-your-pockets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-employer-benefits-that-can-leave-more-spending-money-in-your-pockets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_gazing_piggy_bank_000013170716.jpg" alt="Woman learning of employer benefits that provide spending money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Looking for a new job? Don't go by salary alone. Look at all the perks that your potential new employer offers.</p> <p>The Society for Human Resource Management reported that 35% of U.S. companies increased the amount of benefits they offered employees in 2015. Some of these companies began offering more vacations or even free health insurance for their workers' cats and dogs.</p> <p>Here is a look at seven of these more unusual employee benefits that could leave you with a fatter wallet each year.</p> <h2>1. Tuition Assistance</h2> <p>The Society for Human Resource Management found that 52% of companies in 2015 offered some form of tuition assistance for employees seeking a graduate degree. This is a valuable perk. Peterson's, a Web portal offering information for current and potential college students, reported in 2015 that the average cost for a master's degree was $30,000 at public universities and $40,000 at private universities. FinAid.org says that the average annual cost for a graduate degree &mdash; depending on what type of degree you are seeking &mdash; ranges from $30,000 to $120,000.</p> <h2>2. Transit Subsidy</h2> <p>The Society for Human Resource Management reported that 13% of companies in 2015 offered transit subsidies to help cover the costs their employees pay to get to and from work. Again, this benefit can add up: In June of 2015, Citi's ThankYou Premier Commuter Index found that workers spent an average of $2,600 to get to and from their jobs.</p> <h2>3. Health Club Memberships</h2> <p>Employers want their workers to remain healthy. Employees who aren't sick can complete more reports, close more sales, and build more widgets. It's not surprising, then, that many offer either full or discounted memberships to local gyms or health clubs. If your employer offers this perk, take advantage of it. IBISWorld reported that in 2014 the average member of a gym paid $41 a month in membership fees. This means that a free membership to your area gym could save you about $490 a year in fees.</p> <h2>4. Vacation Spending Money</h2> <p>A 2014 Forbes story highlighted the vacation spending money that Moz, an SEO and marketing company, was providing to its employees. According to the story, <a href="http://www.forbes.com/sites/kateharrison/2014/02/19/the-most-popular-employee-perks-of-2014/">Moz offered employees $3,000</a> in vacation reimbursement to help cover the costs of their food, lodging, entertainment, and transportation while they vacationed across the globe. This might seem excessive, but some employers worry that their workers aren't taking enough of their vacation days. A vacation voucher might encourage some to unplug from the working world for a week or two, allowing them to return to the office recharged.</p> <h2>5. Pet Health Insurance</h2> <p>Pets can rack up some big medical bills. And insuring pets can be costly. Bloomberg Business cited numbers from the American Pet Health Insurance Association showing that in 2013 it cost an average of $457 a year in annual premiums to <a href="http://www.bloomberg.com/news/articles/2015-02-17/the-rising-costs-of-health-care-for-cats-and-dogs">insure a dog</a> and $290 for a cat. The good news? The Society for Human Resource Management reported that in 2015, 9% of employers offered employees access to free or discounted pet health insurance.</p> <h2>6. House Cleaning Services</h2> <p>Too tired after a long day at work to clean your house? You're not alone. It's why so many people hire professional house cleaning services. These services aren't cheap. Angie's List in 2014 reported that its members paid an average of $100 to $150 every two weeks for a professional house cleaning. In 2015, Payscale.com cited one example of this cash-saving benefit: Tech company Evernote provides its employees with <a href="http://www.payscale.com/career-news/2015/08/incredible-company-perks-top-5-swag-and-service-based-perks">free house-cleaning services</a> two times a month.</p> <h2>7. Free Netflix</h2> <p>Love streaming movies at home? Then maybe you can find an employer that offers free <a href="http://www.wisebread.com/8-alternatives-to-cable-tv-that-will-keep-you-entertained">subscriptions to Netflix</a>. That 2014 Forbes story on unique company benefits said that some employers <a href="http://www.forbes.com/sites/kateharrison/2014/02/19/the-most-popular-employee-perks-of-2014/">offer free subscriptions to Netflix</a> and other streaming services &mdash; in addition to free magazine and newspaper subscriptions. Netflix is now charging new members $8.99 a month. These means that if your employer gives you free access to the streaming service, you'll instantly nab $107.88 a year in extra spending money.</p> <p><em>Does your employer offer any cash-y benefits?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/7-employer-benefits-that-can-leave-more-spending-money-in-your-pockets">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-retail-gigs-that-pay-well-and-offer-benefits">11 Retail Gigs That Pay Well and Offer Benefits</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-great-retail-jobs-for-working-parents">5 Great Retail Jobs for Working Parents</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-biggest-mistakes-freelancers-make">The 5 Biggest Mistakes Freelancers Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-hobby-pay-its-way">Make Your Hobby Pay Its Way</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Extra Income employer benefits extra money health benefits insurance job perks Wed, 21 Oct 2015 17:18:53 +0000 Dan Rafter 1593840 at http://www.wisebread.com Pay Down Debt and Get Cash Back With These 6 Services http://www.wisebread.com/pay-down-debt-and-get-cash-back-with-these-6-services <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/pay-down-debt-and-get-cash-back-with-these-6-services" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_smartphone_apps_000047556166.jpg" alt="Woman using apps to get cash back for paying back debt" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let's face it &mdash; being in debt sucks. Quite literally, it sucks up your money, and if it makes finances a struggle for you, then it can suck up your energy and your happiness, too. And it's great to talk about paying debt off early, but what if you don't have any extra money?</p> <p>Fortunately, there are a lot of new services geared toward helping you <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year?ref=internal">get cash back on debt re-payment and purchases you're making anyway</a>. Some of these offerings put the funds straight toward your debt, but others will simply help you get the cash back (so it will be up to you to put it towards your debt). Consider these six options.</p> <p>See also: <a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online?ref=seealso">Effortless Ways to Make Money Online</a></p> <h2>1. Ebates and FatWallet</h2> <p><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Ebates</a> and <a href="http://www.fatwallet.com/?referral=kaaff">FatWallet</a> are two of the best and most popular cash back sites. Just register on the website, find the store where you'd like to make an online purchase, follow the directions, and get a certain percent of your purchase back. Sure, it takes anywhere from a few days to a few weeks for the money to post to your account, but when you get it back, it's all yours.</p> <p>Neither of these sites will funnel the cash back directly to your debt payoff, but you can do that easily for yourself. Just note how much you should get back, and when it posts to your Ebates or FatWallet account, transfer it as directly as possible to your debt. Easy peasy.</p> <h2>2. Upromise</h2> <p>Register your credit and debit cards with <a href="http://www.tkqlhce.com/click-2822544-12309751-1441981340000?sid=apps&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Upromise%20Shopping%20Deals">Upromise</a>, as well as your store loyalty cards. Or, you can use their portal to book travel and buy online, and even get a MasterCard that earns cash back every time you use it. The catch? All of your cash back goes directly into a 529 account, which can be used to pay for college, or towards paying off your current student loans.</p> <p>It's not useful for all types of debt, but if massive student loan payments are causing stress, this can help alleviate at least some of the burden. Also, it's nice to have your earnings go straight to your loan, without you having to touch or direct them.</p> <h2>3. Some Credit Cards</h2> <p><a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal">Cash back credit cards</a> are popular right now, for good reason. If you are responsible and pay them off every month, you can make some significant money and put that towards your debt. Just choose a card that fits your needs, use it wisely, and send the cash you get back towards your debt.</p> <p>See also: <a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt?ref=seealso">Citi Double Cash Card Pays You to Pay Off Your Debt</a></p> <p>Some people will caution you against using any sort of credit card &mdash; even the best cash back card out there &mdash; to pay off debt, because so many people end up in trouble due to credit card overspending. However, I include them here because I know that even fiscally responsible people sometimes end up with debt. Maybe you have school loans or are in debt for medical care, but you still pay off your cards every month. If this is you, why not use your good credit to your advantage and pay off your debt as soon as you can?</p> <h2>4. iBotta</h2> <p><a href="https://ibotta.com/r/jcsgjbv">iBotta</a> is an app that offers cash back for shopping at certain retailers, online and in-store. If you want to shop online, see if your store works with iBotta. Spend a certain amount or buy certain products, and you will get money back. If you are shopping in a store, check if iBotta is offering cash back on any of the products you're planning to buy. Since you're going to get it anyway, you might as well earn money that you can then put towards your debt.</p> <p>Make sure you don't start buying things you don't like and won't use just for the iBotta cash back. This can cause you to spend more money, because you'll have to get the products you want, too! The cash back isn't enough to justify a purchase unless you'll use the product.</p> <h2>5. SavingStar</h2> <p>This app is similar to iBotta, except that <a href="http://savingstar.ojrq.net/c/27771/18896/758">SavingStar</a> mostly focuses on groceries, while iBotta includes all sorts of products. Even if you don't do much shopping outside of the grocery store, SavingStar can help you earn cash back that you can put towards your debt payoff. They also have some cash back deals for online retailers, too. While their deals may not be as good as those on some other sites, they offer money back and can allow you to consolidate your cash back deals in one place.</p> <p>Sometimes, you can get two cash back deals on the same product. If both SavingStar and iBotta offer deals on an item, for instance, in some cases you can get cash back from both services. Use these deals to jump start your debt payoff.</p> <h2>6. You Don't Need an App, Just Pay Down Your Debt Early</h2> <p>You don't need to have an app or be part of a special service to pay down your debt quickly. There are a million ways to earn a little extra money. <a href="http://www.wisebread.com/resources/paid-surveys?ref=internal">Fill out surveys online</a>. Freelance a bit. Get a few hours at a second job. Or, change your spending habits so you have a few more pennies every month. Then put these towards your debt.</p> <p>See also: <a href="http://www.wisebread.com/100-ways-to-make-more-money-this-year?ref=seealso">100+ Ways to Make More Money This Year</a></p> <p>If you are paying interest on your debt, even a small amount extra each month can make a big difference in interest savings. For example, if you have $1,000 of credit card debt with 15% interest, making $20/mo in payments, it'll take you almost 10 years and you'll have paid over $850 in interest. Raise that monthly payment to just $50, and it'll only take you 2 years to pay if off, with just under $158 in interest. Paying $30 extra each month saves you almost $700!</p> <p>If the apps and services help you pay off your debt, then use them. If you have other ways to bring in extra money, use those instead (or in addition to the apps!). The important piece is that you pay off your debt as soon as you can.</p> <p><em>Do you use apps or services to get cash back for paying off debt? Which one is your favorite?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/pay-down-debt-and-get-cash-back-with-these-6-services">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund">Change Jars and 8 Other Clever Ways to Build an Emergency Fund</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-highly-effective-ways-to-save-without-clipping-a-coupon">6 Highly Effective Ways to Save Without Clipping a Coupon</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-lies-rich-people-never-tell-themselves">10 Lies Rich People Never Tell Themselves</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-more-apps-that-pay-you-to-shop">6 More Apps That Pay You to Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management apps cash back extra money shopping Fri, 02 Oct 2015 13:00:53 +0000 Sarah Winfrey 1571398 at http://www.wisebread.com 16 Festive Ways to Make Extra Money for the Holidays http://www.wisebread.com/16-festive-ways-to-make-extra-money-for-the-holidays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/16-festive-ways-to-make-extra-money-for-the-holidays" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/christmas-gift-wrapping-515521261-small.jpg" alt="christmas gift wrapping" title="christmas gift wrapping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's that time of year again &mdash; time to start hemorrhaging money in the name of tradition and capitalism and Santa Claus. But what if you took a different approach this holiday season and made some extra cash before you spent it? It's feasible, and you can even be festive while you're at it. (See also: <a href="http://www.wisebread.com/25-tips-for-smart-and-safe-credit-card-use-during-the-holidays?ref=seealso">25 Tips for Smart and Safe Holiday Shopping Online</a>)</p> <p>Take a look at these jolly ways to earn a few bucks to avoid ending up broke at the end of the year.</p> <h2>1. Offer Gift-Wrapping or Gift-Hiding Services</h2> <p>Fancy yourself a Martha Stewart-style gift wrapper with a penchant for sharp edges and expert ribbons and bows? Consider offering your gift-wrapping services to the people in your community who lack the discipline (or time and energy) to do it themselves.</p> <p>Promote your services on sites like Craigslist and online message boards in your area, make an announcement on local apps like <a href="http://www.nextdoor.com">Nextdoor</a> (an awesome resource for lots of things in your specific neighborhood, by the way), and place flyers in your neighbors' mailboxes to drum up business.</p> <p>Also, if you have the extra room, you might want to consider renting gift-storage space in your home for parents who want to keep gifts well hidden from their miniature snoops. Charging as little as $5 a week could add up nicely if you get a few folks on board.</p> <h2>2. Bartend or Serve at a Holiday Party</h2> <p>If you have bartending skills and extra time on your hands this holiday season, put your mixology knowledge to use by slingin' drinks at local shindigs.</p> <p>Bartending services are at a premium this time of year because everyone is stretched so thin, so you can probably negotiate a more than fair deal from both individuals hosting private parties and businesses with bigger budgets. When negotiating, keep in mind that you likely won't receive tips from guests but rather the hosts at the end of the night &mdash; but even that's not guaranteed &mdash; so that should definitely factor into your hourly or per-gig fee.</p> <h2>3. Sell Homemade Holiday Crafts and Decorations</h2> <p>Set up shop at local craft fairs, bazaars and holiday markets if you've got items of interest &mdash; like holiday décor items and ornaments &mdash; that are marketable this time of year. You can find these events at your area schools, churches, and other community venues. Another option is to list your handmade goods in an Etsy shop where you can move product without leaving the comfort of your home.</p> <h2>4. Provide Holiday Party Entertainment</h2> <p>What's a holiday party without some festive entertainment? Notwithstanding the guests who have had too much eggnog of course, many hosts (especially for business parties) will want some type of music at their event, whether it be a soloist playing background music, a live group performance as a main event, or a DJ spinning tracks to fill the dance floor. If you have any of these skills, put out your feelers to see where you fit in.</p> <h2>5. Use Your Lifestyle Expertise to Become a Personal Shopper</h2> <p>As somebody who truly enjoys shopping &mdash; in person and online &mdash; I think this is one of the best jobs around. And you might be surprised at how many people are potentially interested in this service.</p> <p>There are lots of folks who are clueless when it comes to gift buying, and they'd rather put their burden in the hands of someone more capable so the holiday season doesn't crash and burn before their eyes when it's time to exchange presents. You can be their saving grace by charging a nominal fee to pick out the perfect gifts for their family and friends. You'll have to know this person fairly well &mdash; so you can already have a good foundation of what kind of gifts they need and because you'll be handling their cash or credit card &mdash; which is why it's not a bad idea to promote your services at your workplace, church, and other groups of which you're a part.</p> <h2>6. Fulfill Holiday Cards for Individuals or Businesses</h2> <p>I don't send out holiday cards anymore &mdash; I don't want to waste all that paper, time, or money &mdash; but before I put the kibosh on it, I would spend hours upon hours writing, folding, addressing, licking, and stamping cards and envelopes, and I always wished someone else was doing for me. I doubt that I'm alone, which is why you can be a hired gun for this purpose at holiday season for those who don't mind paying a reasonable fee to expedite this tedious process.</p> <p>Craigslist is a good place to start, but I also recommend using the Nextdoor app, mentioning it on social media, and reaching out to friends, family, and neighbors via email.</p> <h2>7. Use Your Handy Skills to Decorate Houses</h2> <p>If you're more of an outdoorsy type of person, there is absolutely a market for people who can effectively put up holiday decorations that homeowners don't have time for or who are frightened by the prospect of attaching strands of lights and other thingamajigs to their roofs and eaves. There are commercial companies who provide this service at a premium, but a savvier freelance entrepreneur can undercut the competition by using online outlets like <a href="https://www.upwork.com/">Upwork</a> to post their skills and find jobs. I also would recommend documenting your work to start a portfolio that can enhance and grow your small business in the future.</p> <h2>8. Set Up a Cookies and Hot Chocolate Stand</h2> <p>Kids set up lemonade and Kool-Aid stands and sell snacks on their sidewalks during the summer, so it only makes sense to apply that same concept to the cooler weather by offering hot chocolate, coffee, and cookies to keep passersby warm and comfortable. Plus, children love to buy presents for people with their own money, and this is a great way to pad their pockets (and teach the value of a good work ethic while you're at it) so they can enjoy the holidays a bit more.</p> <h2>9. Bake for People Who Are Too Busy to Spend Time in the Kitchen</h2> <p>I enjoy baking, and I often share my pastries, cakes, cookies, and other goodies with my friends and neighbors. Some of them have even hired me to bake goods for them when they're hosting a gathering or just for indulging in themselves. You also can take samples to local restaurants and ask if they would be interested in carrying your items on a limited basis. You never know what could happen if you don't ask.</p> <h2>10. Rake Leaves or Shovel Snow for Neighbors</h2> <p>My mom and dad used to make me pound the pavement in my neighborhood when I was a kid to ask the neighbors if they needed a low-cost snow removal service by way of undocumented child labor. And it was torture!</p> <p>While I wasn't a fan of it back then, in hindsight I appreciate that the experience taught me early on to use my resources to earn extra cash while appreciating the value of a dollar. I'm not opposed to doing it these days, but I will admit that it might be a bit unsettling for many people if a grown person showed up on their doorstep asking to remove snow or rake leaves for money. Fair enough. But that's why I would generally recommend that your children get in on this act (through suggestion, not force) with proper supervision. It's not the most fun they'll ever have, but they'll be pretty stoked about the money they've made.</p> <h2>11. Clean Up Before or After Holiday Parties</h2> <p>Who wants to clean up the massive mess that party guests have left all over the house after a successful holiday party? No one &mdash; but as they say, it's a dirty job and somebody's gotta do it. That somebody can be you if you don't mind washing, scrubbing, and sanitizing the after-effects of a rousing get-together. You can promote your services locally (the usual suspects that I've mentioned previously &mdash; Craigslist, Nextdoor, etc.), but you also can try apps like <a href="http://www.handy.com/">Handy</a> which helps connect house cleaners and handy people to clients.</p> <h2>12. Interview to Be a Mall Santa or Elf</h2> <p>While we continue to shift away from shopping malls culturally (<a href="http://www.buzzfeed.com/mjs538/completely-surreal-pictures-of-americas-abandoned-malls">which sort of look like the apocalypse has already begun, by the way</a>), there are still plenty of them out there thriving &mdash; and they all need Santa and his helpers around the holidays. You can apply to be the Man in the Red Suit or one of his pointed-eared minions directly within the shopping center or by locating a national staffing service that specializes in this particular area.</p> <h2>13. Entertain the Public With Outdoor Performances</h2> <p>I live in New York City where there's no shortage of street performers with their hats on the ground, playing for pennies. You can get in on the act to by taking your show on the road, setting up in a well-trafficked area, and watching the dough roll in one dime at a time.</p> <h2>14. Try Planning Small-Scale Holiday Parties</h2> <p>Have a knack for planning and hosting events? Use those skills to help novice party planners share the responsibility and stress. You'll definitely want to start small &mdash; you don't want to bite off more than you can chew and potentially ruin someone's holiday festivities &mdash; so it's best to query folks in your social circle to see how you can help the event go off without a hitch.</p> <h2>15. Cater Small Holiday Gatherings</h2> <p>When I first started hosting my annual holiday parties, I made all the food by myself, which took hours and hours. By the time the party started, I was so exhausted that I couldn't properly enjoy the fruits of my labor. When I finally had enough of slaving in the kitchen after a few years of hosting, I decided to look into have the party catered. The problem, however, is that the catering was beyond my budget, which left me with few other options.</p> <p>If you enjoy cooking (and the results consistently yummy), you can potentially serve an underserved market if you can locate those people like me who don't want to cook everything myself but who also can't afford hundreds of dollars worth of catered food and staff. I think the best way to find that middle ground is to offer crowd-friendly food at a fair price that you'll deliver to the party without the extra expense of the servers, and then be on your way.</p> <h2>16. Pick Up Seasonable Retail Employment</h2> <p>Want part-time work that you don't have to look hard to find? Head to your favorite local retail store and ask it they're hiring for the holidays. If they are, fill out an application to throw your name into the hat. You'll likely make minimum wage, so that's something that you'll want to consider, but something is better than nothing &mdash; especially if your budget is already in a bind. Also, don't forget about the potential employee discount for which you'll qualify that can save you a bundle on gifts; that aspect should definitely be a factor in where you apply.</p> <p><em>Are you planning to pick up some extra cash this holiday season with a festive side hustle? Let us know in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/16-festive-ways-to-make-extra-money-for-the-holidays">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-smart-way-to-budget-on-a-freelance-income">The Smart Way to Budget on a Freelance Income</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-extra-income-with-twitter">How to Earn Extra Income With Twitter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-launch-your-second-career">How to Launch Your Second Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income extra money holiday hustle seasonal jobs side hustle side job Fri, 24 Oct 2014 09:00:04 +0000 Mikey Rox 1242062 at http://www.wisebread.com Best Money Tips: Ideas to Make Money on the Weekend http://www.wisebread.com/best-money-tips-ideas-to-make-money-on-the-weekend <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ideas-to-make-money-on-the-weekend" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/piggy-bank-87829134.jpg" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on ideas to make money on the weekend, tactics to avoid wasting food, and money-saving tax tips for parents.</p> <h2>Top 5 Articles</h2> <p><a href="http://andthenwesaved.com/make-money-weekend-ideas/">37 Easy Ideas To Make Money On The Weekend</a> &mdash; To make money on the weekend, tutor students and recycle. [And Then We Saved]</p> <p><a href="http://www.thesimpledollar.com/seven-tactics-to-avoid-wasting-food/">Seven Tactics to Avoid Wasting Food</a> &mdash; Avoid wasting food by using a grocery list and meal plan. [The Simple Dollar]</p> <p><a href="http://www.savvysugar.com/Tax-Tips-Parents-2014-34156771">8 Money-Saving Tax Tips for Parents</a> &mdash; If you are a parent, take advantage of the child tax credit and higher education credits during tax season. [PopSugar Smart Living]</p> <p><a href="http://livingonthecheap.com/4-ways-deal-old-electronics/">Turning Your Hobby into a Job</a> &mdash; When turning your hobby into a job, be aware of the cost of your materials and find items that sell well. [TheDollarStretcher.com]</p> <p><a href="http://www.moneybluebook.com/lending-money-loved-ones.html/">Lending money to loved ones: a realist's guide</a> &mdash; Use your head as well as your heart when you lend money to loved ones. [Money Blue Book]</p> <h2>Other Essential Reading<a href="http://cashmoneylife.com/automatic-investment-plan-advantages/"><br /> </a></h2> <p><a href="http://livingonthecheap.com/4-ways-deal-old-electronics/">4 ways to deal with old electronics</a> &mdash; Deal with old electronics by giving it to charity. [Living on the Cheap]</p> <p><a href="http://www.freemoneyfinance.com/2014/02/how-long-should-i-keep-financial-and-tax-records.html">How Long Should I Keep Financial and Tax Records?</a> &mdash; You should hold onto a paper copy or receipt of any tax-relevant financial exchange. [Free Money Finance]</p> <p><a href="http://retireby40.org/spot-work-home-scams/">How to Spot Work From Home Scams</a> &mdash; If you get an unsolicited email to work from home, chances are it's a scam. [Retire by 40]</p> <p><a href="http://cashmoneylife.com/automatic-investment-plan-advantages/">5 Advantages to Using Automatic Investment Plans</a> &mdash; Using an automatic investment plan helps you save on commissions and fees. [Cash Money Life]</p> <p><a href="http://parentingsquad.com/14-manners-that-are-nice-to-see-in-kids">14 Manners That Are Nice to See in Kids</a> &mdash; It is nice to see kids who don't interrupt and that eat quietly. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ideas-to-make-money-on-the-weekend">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-ways-to-make-money-from-valentines-day">13 Ways to Make Money From Valentine&#039;s Day</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-money-recycling">Make Money Recycling: Get Paid to Recycle by 15 Websites</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-totally-free-things-you-can-sell-on-ebay">8 Totally Free Things You Can Sell on eBay</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-make-the-most-of-your-morning-commute">6 Ways to Make the Most of Your Morning Commute</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income best money tips extra money money weekend Tue, 04 Mar 2014 11:00:27 +0000 Ashley Jacobs 1129115 at http://www.wisebread.com