income http://www.wisebread.com/taxonomy/term/8754/all en-US 7 Careers That Pay Women More Than Men http://www.wisebread.com/7-careers-that-pay-women-more-than-men <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-careers-that-pay-women-more-than-men" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/chef_preparing_pastries_000020498947.jpg" alt="Female chef in career where she&#039;s earning just as much as men" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The good news is that as the <a href="http://www.bls.gov/spotlight/2011/women/pdf/women_bls_spotlight.pdf">gender pay gap</a> continues to narrow, women are out-earning men in new and surprising fields, helping reverse the stereotype of men as the breadwinners. Clearly, we've got a long way to go to achieve equality in the workplace. But we're making strides. Read on for our <a href="http://www.wisebread.com/10-high-paying-careers-with-low-educational-barriers">roundup of the careers</a> where women are bringing home the bacon. A few of them just might surprise you.</p> <h2>1. Construction Worker</h2> <p>Though they hold only about 3% of the jobs, female construction laborers, construction supervisors, and maintenance painters <a href="http://www.forbes.com/sites/jennagoudreau/2011/03/14/jobs-where-women-earn-more-than-men/">earn more money</a> than their male counterparts, according to a Forbes analysis of median weekly earnings for full-time workers.</p> <h2>2. Car and Airplane Mechanic</h2> <p>Forbes also found that female car and airplane mechanics earn slightly more than their male colleagues. Caren Goldberg, a management professor at American University, has an inkling as to why: &quot;Researchers have found that both sexes fare better when they are in the minority,&quot; she said. &quot;Women who choose male-dominated jobs are likely perceived as 'atypical' or less consistent with the stereotypes associated with women, which are also associated with lower-paying jobs.&quot;</p> <h2>3. Bartender Helper</h2> <p>There is perhaps no higher paid bartender than the attractive woman who treats her patrons like old friends. Female bartender helpers earn, on average, about $2,000 more per year than men who pour drinks and collect empty glasses. That works out to $40 a week in extra cash.</p> <h2>4. Teacher's Assistant</h2> <p>Women account for 92% of the nation's teacher assistants, earning a median salary of $474 a week, compared to men's $453. Teacher assistants work under a teacher's supervision to give students additional attention and instruction, a role that's projected to grow 9% &mdash; <a href="http://www.bls.gov/ooh/education-training-and-library/teacher-assistants.htm">100,000 more jobs</a> &mdash; by 2022. If you like to travel or want to be home to raise the kids, the job comes with perks: About 4 in 10 teacher assistants work part time and get summers off.</p> <h2>5. Nutritionist</h2> <p>Women also earn more than men in higher paying jobs like nutritionists, as well as fields in the life, physical, and social sciences. The median pay for nutritionists of both genders is $55,240 per year &mdash; with women earning slightly more than men. Nutritionist jobs are in demand, with a faster than average, <a href="http://www.bls.gov/ooh/healthcare/dietitians-and-nutritionists.htm">21% job growth rate</a> through 2022.</p> <h2>6. Baker</h2> <p>Baking also helps women bring home the bigger slice of bread. Female bakers earn 104% more than male bakers, taking home $18 more than men in median weekly earnings. Employment researcher Laurence Shatkin tells Forbes that baking is essentially a production job with odd hours, and women may have more flexibility to work higher-paying night or early-morning shifts.</p> <h2>7. Computer Programmer</h2> <p>Female computer programmers earn a median of $62,000 a year, and those in the top 10% of the field make a salary of $111,000. Other perks include standard 40-hour work weeks and often, the option of telecommuting. Another bonus: To start, computer programmers usually need <a href="http://www.bls.gov/ooh/computer-and-information-technology/computer-programmers.htm">no work experience</a> and no specialized certification beyond a bachelor's or associate's degree. That bodes well for women who want a well-paying career but don't want to shell out the money it takes to become a doctor or attorney.</p> <p><em>Do any of these careers interest you?</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/7-careers-that-pay-women-more-than-men">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/crime-scene-cleaner-and-4-other-trades-that-pay-surprisingly-well">Crime Scene Cleaner and 4 Other Trades That Pay Surprisingly Well</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/5-essential-facts-women-should-know-before-asking-for-a-raise">5 Essential Facts Women Should Know Before Asking for a Raise</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-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</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-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building income jobs salary wage gap women workforce Wed, 01 Jul 2015 11:00:16 +0000 Brittany Lyte 1469519 at http://www.wisebread.com Crime Scene Cleaner and 4 Other Trades That Pay Surprisingly Well http://www.wisebread.com/crime-scene-cleaner-and-4-other-trades-that-pay-surprisingly-well <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/crime-scene-cleaner-and-4-other-trades-that-pay-surprisingly-well" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/crime_scene_tape_000032312458.jpg" alt="Crime scene cleaner and other trades that pay well" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>These days, the dream of owning a home with two dogs, a gaggle of kids, and a white picket fence will cost you something fierce. In most pockets of this country, the <a href="https://www.census.gov/content/dam/Census/library/publications/2014/demo/p60-249.pdf">median U.S. household income</a> of $52,000 simply won't cut it. But you needn't enroll in law or medical school to earn a fine living. In fact, there are several high-paying jobs floating under the radar that can help you earn a desirable salary &mdash; without all those lectures on ethics and anatomy. Read on for our roundup of the <a href="http://www.wisebread.com/17-more-places-to-buy-sell-and-trade-books">top trades</a> that pay surprisingly well.</p> <h2>1. Elevator Repairer</h2> <p>The median pay for an <a href="http://www.bls.gov/oes/current/oes474021.htm">elevator repairer</a> in the U.S. is $78,620, and can be as high as $110,000 in places where the job is in demand such as New York, California, Illinois, Oregon, Maine, Massachusetts, and Hawaii. While only 27 people a year <a href="http://abcnews.go.com/US/woman-crushed-york-elevator-accident/story?id=15153573#.T5W5J-3U7zI">die in elevator crashes</a> &mdash; you have a better chance of getting struck by lightning &mdash; more than 10,000 people a year are injured in elevator malfunction incidents. When something goes wrong, an elevator repairer is one of the first people called on the scene for help. Even more common than injuries and deaths are cases of inconvenience: People get stuck inside elevators quite often, which is why this job is well-paid as well as important.</p> <h2>2. Geographer</h2> <p>The job of mapping the world may seem gone with the wind, but there are actually 1,700 modern-day Alexander von Humboldts in the U.S. who track human activity, chart demographic trends, study migration patterns, and, of course, sketch and edit maps of points of interest across our planet. If you're lucky enough to secure a geographer gig &mdash; they are few and far between &mdash; the rewards are handsome. In addition to enjoying a contemporary job rooted in the age of global exploration, you'll earn a <a href="http://www.bls.gov/ooh/life-physical-and-social-science/geographers.htm">median salary</a> of about $75,000. There's more good news: Geographer jobs have a rapid growth forecast rate of nearly 30%, which means new job opportunities are sprouting across the country.</p> <h2>3. Crab Fisherman</h2> <p>If you're looking to make fast cash, a crab fisherman's life may be for you. The dangerous work of collecting crabs from freezing, tumultuous waters is handsomely rewarded. Crab fisherman can earn $60,000 in just two to three months. If that kind of money seems worth the risk of taking on the most dangerous job in the nation, you may want to head to Alaska. Crab fishermen in the 49th state tend to be the highest earners. You do not need a high school degree for this craft, but strength and guts are all but required.</p> <h2>4. Crime Scene Cleaner</h2> <p>Crime doesn't pay. But crime cleanup certainly does. The job of <a href="http://everydaylife.globalpost.com/crime-scene-cleanup-job-duties-2469.html">cleaning up blood and shattered glass</a> and toxic hazards takes a strong stomach, but with a few years experience you can earn upwards of $80,000. It's also not a 9-to-5 gig; you need to be ready to jump into action at a moment's notice. But there are few other occupations that can give you the thrill of feeling like you're living in an episode of <em>CSI: Crime Scene Investigation</em>.</p> <h2>5. Landfill Gas Operator</h2> <p>Landfills contain tons of garbage that produce methane gas, a byproduct of the natural breakdown process. Landfill gas operators remove the gas, which can be dangerous if left unchecked. It's a stinky job &mdash; literally &mdash; but what doesn't stink is the take-home pay. You can <a href="http://www.insidejobs.com/careers/landfill-gas-collection-operator">earn as much as $148,000</a> by monitoring gas levels and diverting excess fumes that could become hazardous.</p> <p><em>Do you work in a high-paying trade? Tell us about it 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/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/crime-scene-cleaner-and-4-other-trades-that-pay-surprisingly-well">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/7-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</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-good-reasons-to-become-a-contractor">8 Good Reasons to Become a Contractor</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-essential-facts-women-should-know-before-asking-for-a-raise">5 Essential Facts Women Should Know Before Asking for a Raise</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-things-to-do-on-your-first-day-at-a-new-job">6 Things to Do on Your First Day at a New Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building employment income labor pay salary trades Tue, 30 Jun 2015 09:00:15 +0000 Brittany Lyte 1469200 at http://www.wisebread.com 6 Financial Questions You Must Answer Before Going Freelance http://www.wisebread.com/6-financial-questions-you-must-answer-before-going-freelance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-financial-questions-you-must-answer-before-going-freelance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/Woman_working_000045281724.jpg" alt="Woman answering financial questions before going freelance" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Planning to quit your day job to become a <a href="http://www.wisebread.com/10-things-all-successful-freelancers-do">full-time freelancer</a> can be the most exciting transition in your career. You gain control over your own schedule, and have the freedom to choose the type of projects you work on.</p> <p>But with this excitement comes a lot of financial questions and planning. In order to make the leap from your day job as smooth as possible, here are five questions to ask &mdash; and answer! &mdash; before becoming a full-time freelancer.</p> <h2>1. How Much Should You Save?</h2> <p>If you have no other sources of income to pay the bills after you <a href="http://www.wisebread.com/8-signs-you-should-quit-your-job">quit your job</a>, how long would your savings last? Do you feel comfortable giving yourself three months to get your new freelancing career off the ground? Or is six months a more reasonable timeline? Obviously the more money you save up, the less risky your leap into freelancing will be.</p> <p>There are additional factors that need to be accounted for too, like whether or not you're the breadwinner for your family. It's likely you'll have to pay for your own health insurance, taxes, and fund your own retirement account. All of these things need to be calculated before you can accurately estimate how much money you should save.</p> <p>Most experts suggest that you keep at least three to six months' worth of expenses in a separate savings account to <a href="http://www.wisebread.com/figuring-the-size-of-your-emergency-fund">cover any emergencies</a> or losses of income (some even suggest as much as twelve months' worth). As a freelancer you might as well double this amount to account for the added risk of being self-employed.</p> <h2>2. What's Your Bare Minimum Budget?</h2> <p>What's the bare minimum amount of money you need to make in order to pay your bills each month? Make sure you add in all of your household bills (utilities, insurance, groceries,) as well as the cost of doing business as a freelancer.</p> <p>When I was in the process of quitting my day job, I calculated my <a href="http://www.wisebread.com/7-budget-items-you-may-be-forgetting">bare minimum budget</a> to be $3,000 a month. This meant that I needed at least $18,000 saved up ($<em>3,000 a month X six month savings cushion = $18,000</em>) in order to cover my bare expenses for six months while I built my freelancing business.</p> <p>Calculate how much money you need to adequately pay your bills every month, then multiply this figure by six to eight months. This is the amount you'll need to save in a separate account to make the transition from a day job to freelancing a successful one.</p> <h2>3. Do You Have Passive Income Streams?</h2> <p>One other way to make this process much easier is creating <a href="http://www.wisebread.com/8-freelance-gigs-anyone-can-do-to-make-extra-money">multiple streams of income</a>. Aside from your core freelance duties, do you have other options for creating passive income? What other assets can you leverage to bring in more money each month?</p> <p>Maybe you can branch out and offer business consulting, or create an online course that teaches a specific skill based on your background and experience. Do you have investments that earn small dividends or interest?</p> <p><a href="http://www.wisebread.com/5-ways-a-side-hustle-can-further-your-career">Every little bit of income</a> can help you save up money faster, while easing the transition of quitting your job and steady paycheck.</p> <h2>4. Are You Willing to Do What it Takes?</h2> <p>How much time do you have available to dedicate to finding work? Are you prepared to spend nights and weekends building your business? In the beginning, clients won't come to you, so you'll have to actively seek them out and build a solid network from scratch.</p> <p>How much time you spend in the beginning will determine how quickly you're able to replace your day job's income. There will likely be a lot of sleepless nights and stressful days, but in the end you have to determine if the reward is worth all the effort.</p> <p>Freedom is never free, and this includes financial freedom. You have to figure out if the cost is worth it.</p> <h2>5. Do You Have a Financial Backup Plan?</h2> <p>What happens if Plan A doesn't work out? Do you have a Plan B in place? In the event that you blow through all of your savings, and are still not where you can fully pay your monthly expenses, how are you going to cope?</p> <p><a href="http://www.wisebread.com/no-money-for-a-week-here-s-what-to-do">Create a backup plan</a> of action for this specific event. List out the possible solutions and scenarios for how you and your family will deal with this. Are you going to find another full-time job? Will you be able to move back in with your parents?</p> <p>This is another reason that having a large chunk of money stashed away in savings can really help you during the process of quitting your job to freelance full time. Calculate at least six months' worth of your minimum budget expenses and then save money like crazy.</p> <p><em>Are you in the process of quitting your job? How are you preparing yourself financially?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-smith">Carrie Smith</a> of <a href="http://www.wisebread.com/6-financial-questions-you-must-answer-before-going-freelance">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/self-employed-heres-how-to-get-your-apartment-application-approved">Self-Employed? Here&#039;s How to Get Your Apartment Application Approved</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-fund-your-new-business-without-borrowing-a-dime">4 Ways to Fund Your New Business Without Borrowing a Dime</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/101-tax-deductions-for-bloggers-and-freelancers">101 Tax deductions for bloggers and freelancers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-signs-its-time-to-make-your-side-gig-your-career">6 Signs It&#039;s Time to Make Your Side Gig Your Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash">12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entrepreneurship emergency funds freelance income self employment Mon, 18 May 2015 21:00:09 +0000 Carrie Smith 1424770 at http://www.wisebread.com 6 American Cities With the Highest Minimum Wage http://www.wisebread.com/6-american-cities-with-the-highest-minimum-wage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-american-cities-with-the-highest-minimum-wage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/american_flag_city_000033240984.jpg" alt="Woman in American city with highest minimum wage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With elections coming up next year, it appears that there is at least one issue most of us can agree on: 73% of Americans support <a href="http://www.people-press.org/2014/01/23/most-see-inequality-growing-but-partisans-differ-over-solutions/">raising the federal minimum wage</a> from its current level of $7.25 an hour to $10.10 per hour.</p> <p>Given the public support for these initiatives, several cities around the country have successfully increased their own minimum wages. Here are the six U.S. cities with the highest minimum wages in 2015.</p> <h2>1. Oakland, California</h2> <p>If you're looking for the U.S. city with the highest minimum wage, then &quot;Go west, young man!&quot;</p> <p>As of March 2, 2015, Oakland's wage of $12.25 an hour is the highest in the country. Approved by <a href="http://ballotpedia.org/City_of_Oakland_Minimum_Wage_Increase_Initiative,_Measure_FF_(November_2014)">81.77% of eligible voters</a>, this minimum wage increase initiative also provides <a href="http://www.liftupoakland.org/about">paid sick days</a> to an estimated 56,721 private sector workers (37% of all private employees in Oakland) that previously enjoyed no paid sick days.</p> <p>And there's more: Oakland's minimum wage rate is now tied to the cost of living, so it'll continue increasing every year on January 1st in tandem with inflation.</p> <h2>2. San Francisco, California</h2> <p>As of January 1, 2015, the city of San Francisco's minimum wage stands at $11.05 per hour. However, the Golden Gate City is on the road to <a href="http://sfgsa.org/index.aspx?page=411">raising its minimum wage</a> to $15.00 by 2018.</p> <p>A second increase is already scheduled for May 1, 2015, when workers can expect a minimum wage of $12.25 per hour. The third minimum wage raise is set for July 1, 2016, when it becomes $13.00 per hour. Then, San Franciscans can expect a $1 raise every year for the next two years until the minimum wage reaches $15.00 per hour on July 1, 2018. After that date, San Francisco's minimum wage will increase every July 1st based on the city's Consumer Price Index.</p> <h2>3. Seattle, Washington</h2> <p>While Washington boasts a <a href="http://www.dol.gov/whd/minwage/america.htm#Washington">higher state minimum wage</a> ($9.47 per hour) than California ($9.00), several cities in Washington have scheduled wage increases that are below those of their California counterparts.</p> <p>As of April 1, 2015, the city of Seattle's minimum wage is $11.00 per hour. But there's much more to that number. The current mayor has plans to make <a href="http://murray.seattle.gov/minimumwage/#sthash.TlHE5mje.8vcZBMh9.dpbs">Seattle's minimum wage</a> $15.00 per hour as early as January 1, 2017, and $18.13 per hour by 2025.</p> <h2>4. Berkeley, California</h2> <p>The Golden State really does lead the nation in minimum wage increases.</p> <p>The third Californian city to make this list is Berkeley. Since October 1, 2014 the <a href="http://www.cityofberkeley.info/MWO/">minimum wage in Berkeley</a> has been $10.00 per hour. However, on October 1, 2015 it'll rise to $11.00 per hour and, on October 1, 2016 it will be $12.53 per hour.</p> <p>Any worker who puts in at least two hours per week for an employer within the geographic boundaries of the City of Berkeley is entitled to be paid Berkeley's minimum wage.</p> <h2>5. Santa Fe, New Mexico</h2> <p>In our search of highest minimum wages in the nation, we arrive at the Land of Enchantment. The state's capital, Santa Fe, was already boasting a high minimum wage in March 1, 2014, when city officials increased the wage from $10.51 to $10.66 an hour.</p> <p>Since March 1, 2015, all employers in Santa Fe are required to pay employees, including those who are part-time and temporary workers, a <a href="http://www.santafenm.gov/living_wage_1">minimum hourly wage</a> of $10.84 per hour.</p> <h2>6. Washington, D.C.</h2> <p>On July 1, 2015, <a href="http://does.dc.gov/sites/default/files/dc/sites/does/page_content/attachments/DC%20Minimum%20Wage%20Poster%20-%20English.pdf">Washington, D.C.'s minimum wage</a> will go up by $1 to $10.50 per hour. A year after that, the nation's capital's minimum wage will be $11.50.</p> <p>And beginning July 1, 2017, the city's minimum wage will be indexed in proportion to the area's Consumer Price Index.</p> <p><em>Do you support a higher minimum wage in your city?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/6-american-cities-with-the-highest-minimum-wage">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/crime-scene-cleaner-and-4-other-trades-that-pay-surprisingly-well">Crime Scene Cleaner and 4 Other Trades That Pay Surprisingly Well</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-high-paying-careers-with-low-educational-barriers">10 High-Paying Careers With Low Educational Barriers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-keep-your-new-job-hunt-secret">6 Ways to Keep Your New Job Hunt Secret</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-job-offers-that-are-too-good-to-be-true">8 Job Offers That Are Too Good to Be True</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-must-learn-about-the-company-before-your-job-interview">5 Things You Must Learn About the Company Before Your Job Interview</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting american cities earnings employment income minimum wage Mon, 04 May 2015 09:01:59 +0000 Damian Davila 1407751 at http://www.wisebread.com 10 High-Paying Careers With Low Educational Barriers http://www.wisebread.com/10-high-paying-careers-with-low-educational-barriers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-high-paying-careers-with-low-educational-barriers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/high_paying_job_000009131941.jpg" alt="Woman seeking high-paying career with low educational barrier" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>According to the College Board, the average cost of tuition and fees for the 2014&ndash;2015 school year was $31,231 at private colleges, $9,139 for state residents at public colleges, and $22,958 for out-of-state residents attending public universities.</p> <p>Ouch.</p> <p>Let's take a realistic look at some careers that not only pay well given a relatively low educational investment, but also have a positive income growth potential. For the purposes of this article, I've used the U.S. Department of Labor's Occupational Outlook Handbook, narrowing my search to jobs that usually pay $50,000 or more a year, and that also have a projected growth rate of 20% or more within the next decade.</p> <h2>Jobs Requiring a Two-Year Associate of Arts Degree</h2> <p>Most Americans can earn an affordable two-year degree at a local community college.</p> <h3>1. Sonographers</h3> <p>In 2012, the median pay for sonographers (or &quot;ultrasound techs&quot;) was $60,350; job outlook for growth was at 39%. While most work in hospitals, others find employment in physicians' offices as well as in private radiology facilities. My friend Clarissa worked in a hospital until she decided to start a family, at which time she decided shift work was not for her, and she went to work at a radiology office. Because it is in the health care industry, job satisfaction is high, and the work environment usually non-competitive and friendly.</p> <h3>2. Dental Hygienists</h3> <p>When my friend Lisa became a dental hygienist, I said, &quot;Yuck &mdash; aren't you grossed out all the time?&quot; She laughed and said no, it was usually just fine. She had the last laugh &mdash; at a salary of $70,210 per year (2012 data) with a 33% growth outlook. Because it is a family-friendly profession, she was also able to eventually choose her hours.</p> <h3>3. Cardiovascular Technicians</h3> <p>Here is another positive-growth position, predicted at 39% growth and paying an average of $52,000 per year. Most positions are located in hospitals; some are in physicians' offices or diagnostic laboratories. If you are good at communicating, are drawn to helping people, and can multi-task and think quickly on your feet, this may be a good position to investigate.</p> <h3>4. Web Developers</h3> <p>With a faster-than-average predicted growth (20%) and median pay of $62,500, the position of web developer is very intriguing. If you enjoy working with computers, learning and writing code, and have a creative side, this may be for you. Read these <a href="http://www.myinkblog.com/5-reasons-why-i-love-being-a-web-designer/">developers' accounts</a> of favorite things about their jobs.</p> <h3>5. Radiologic and MRI Technologists</h3> <p>At a median of $55,910, these positions also predict good growth (21%), plus the option of working in a hospital or private radiology setting. Interesting was this quote from an MRI technologist: &quot;The biggest surprise of my career is the <a href="http://www.citytowninfo.com/career-story/radiologic-tech/MRI-technologist-at-a-hospital">job security</a>. In this difficult economy, I am at no risk of losing my job.&quot;</p> <h3>6. Nuclear Medicine Technologist</h3> <p>While the rate of growth is just slightly slower than other imaging positions listed above, the salary is still impressive ($55,000 to $74,000). Most work in hospitals, or, in metropolitan-area, private radiological facilities. It is exacting work, with much of it spent on your feet.</p> <h3>7. Nursing</h3> <p>Although I found varying statistics about the growth rate for nursing jobs, I felt I shouldn't rule it out, given a 2012 median pay of $65,000 &mdash; with just a two-year degree. There is a lot of versatility in this area &mdash; from hospitals to doctors' offices, clinics, the military, hospices, public health, etc. Another plus for nursing is that it can be a very family-friendly schedule, especially if you work in a clinic or doctors' office, for example, which are closed on weekends.</p> <h2>Jobs Requiring a High School Diploma</h2> <p>Yes, there are still high paying careers that require nothing more than a high school diploma.</p> <h3>8. Elevator Installers and Repairers</h3> <p>Having seen a young woman working on the elevator at the local hospital, I wondered if it was a good job, so I checked. The 2012 median pay? Try $76,650, with projected growth of 25% &mdash; faster than average. One article even calls it a &quot;<a href="http://www.riseandgrind.com/2010/03/10/elevator-technician-recession-proof/">recession-proof job</a>.&quot; To get the gig, you'll need to serve an apprenticeship, be physically fit, and often be on call.</p> <h3>9. Law Enforcement</h3> <p>As of the 2007 census, only about one in eight local <a href="http://www.bjs.gov/index.cfm?ty=tp&amp;tid=71">police officers were women</a>. This career deserves a hard look. The pay ranges from $55,000 to $74,000 with a high school education and some on-the-job training. Government police jobs also have excellent health benefits, including dental and retirement funds. If you earn the rank of detective, pay takes a big jump. I only know one female police officer, and it ain't easy. It's dangerous work, but these women love their jobs.</p> <h3>10. Purchasing Manager</h3> <p>At a 2012 median of $60,550, the pay is good, but 4% growth is slow. Most of the job openings I found seemed to have &quot;specialties,&quot; i.e., automotive, construction, government, etc. Obtaining certification is recommended. If you are someone who enjoys the hunt of the best bang for your buck, you'd probably enjoy this job.</p> <p><em>Do you have a high-paying job without a four-year degree? Tell us about it below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/10-high-paying-careers-with-low-educational-barriers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-great-jobs-that-offer-college-loan-forgiveness">7 Great Jobs that Offer College Loan Forgiveness</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-american-cities-with-the-highest-minimum-wage">6 American Cities With the Highest Minimum Wage</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-things-you-didn-t-learn-in-college-but-you-should-have">10 Things You Didn’t Learn in College (but You Should Have)</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/do-these-8-things-to-profit-from-the-improving-economy">Do These 8 Things to Profit From the Improving Economy</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-smooth-moves-for-graduates">4 Smooth Moves for Graduates</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Job Hunting careers degrees growth income Thu, 23 Apr 2015 15:00:10 +0000 Marla Walters 1398947 at http://www.wisebread.com 10 Quick Financial Moves to Make Today at Lunch http://www.wisebread.com/10-quick-financial-moves-to-make-today-at-lunch <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-quick-financial-moves-to-make-today-at-lunch" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/iStock_000051387044_Full.jpg" alt="woman coffee break" title="woman coffee break" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you are fortunate enough to have a job that affords you a break for lunch, you may find that time to be more valuable than you realize. Your lunch break is certainly a good time to get away from work for a bit, but that hour or so can also be used to perform a wide range of activities that will help you financially.</p> <p>Consider these easy things that you can do to improve your financial situation over your lunch break.</p> <h2>1. Visit Your Broker</h2> <p>If you live in an urban or denser suburban area, many online brokers including <a href="https://www.fidelity.com/">Fidelity</a>, <a href="https://www.tdameritrade.com/">TDAmeritrade</a> and <a href="https://www.scottrade.com/">ScottTrade</a> have offices designed for people to walk in to get advice or questions answered. It's a great chance to get a little financial checkup and some facetime with folks who might know something about your portfolio.</p> <h2>2. Trade Stocks</h2> <p>If you trade stocks online, lunch can be an opportunity to look over your portfolio, or buy and sell shares. It's a great time to make a trade, because you'll have a sense of how the market is doing for the day, and most economic news and earnings announcements will have already been released for the day.</p> <h2>3. Read Financial News</h2> <p>Get caught up on the <a href="http://online.wsj.com/">Wall Street Journal</a> and other financial publications online, or if you're old fashioned, hit the library or a local coffee shop and read it in print. Most financial news websites are mobile-friendly now, and you can also digest a lot of articles by creating a &quot;financial news&quot; feed in an RSS reader such as Feedly or Instapaper. For longer articles, I like to save them to the <a href="https://getpocket.com/">Pocket app</a> on my phone and tablet, so I can read them even if I am not online.</p> <h2>4. Watch Financial News Programs</h2> <p>If your office lets you watch streaming video, you can probably catch CNBC and other financial news channels' lunchtime programs. It's a good way to get quickly caught up on the business news of the day.</p> <h2>5. Take an Online Financial Seminar</h2> <p>Many online brokers offer &quot;webinars&quot; that you can take on your computer, and they are often scheduled to allow people to check in during their lunch breaks. The <a href="https://www.fidelity.com/learning-center">Fidelity Learning Center</a>, for example, offers free webinars on things like market forecasts and the ins and outs of ETFs. There are also tutorials on trading stocks and options strategies.</p> <h2>6. Work on Your Side Hustle</h2> <p>An hour-long lunch break may offer enough time to give your other streams of income some attention. If you do some freelance writing on the side, take some time to hammer out a few hundred words. If you have an online auction business, your lunch break is a good time to check on bids, tweak your listings, and even communicate with buyers. You may even have time to make a quick run to the post office get some items delivered. This comes with the important caveat to make sure you're not using a company computer or phone to work on your side business, as that could be frowned upon by your full-time employer.</p> <h2>7. Eat Your Packed Lunch</h2> <p>Avoiding going out to eat may be the biggest financial move you can make. Pack a sandwich and a few other items for lunch, rather than spending $10 at Panera. ICMA-RC, a non-profit financial services company, estimates that if you pack a lunch three days a week, you can <a href="http://www.prnewswire.com/news-releases/employees-across-america-encouraged-to-pack-their-lunch-on-wednesday-october-22-324001504.html">save $9,000 over seven years</a>, assuming a 5% investment return. And if sandwiches aren't your thing, consider these <a href="http://www.wisebread.com/25-great-non-sandwich-work-lunches">non-sandwich lunches</a> that will still save you a bundle. Your lunchbox is your financial friend.</p> <h2>8. Network</h2> <p>Are you trying to build a business or plan your next career move? Do you want to advance at your current company? You can help yourself by setting up lunch meetings with people who can help you with your career goals.</p> <p>Maybe it's a colleague who can assist you in getting that promotion, or an old friend who works at an organization you'd like to break into. Perhaps it's an executive who can help you land a client. Depending on who you are meeting with, that one-hour lunchbreak could prove to be the most valuable time of your day. Just be careful not to meet with someone that your employer might disapprove of.</p> <h2>9. Work on Your Resume</h2> <p>You have to be careful here, because no employer wants to see a worker looking elsewhere on company time. That said, keep your resume fresh so when your lunchtime networking efforts pay off, you'll be ready to seize the opportunity.</p> <h2>10. Go Work Out</h2> <p>This may not seem like a financial move, but there may be some indirect monetary benefits to working out over your lunch break. You'll feel more energized in the afternoon, thus perhaps making you more alert for that 3:30 staff meeting. And by exercising at lunch, you avoid the need to sacrifice sleep by working out in the early morning hours. In addition, there is evidence to suggest that an obese person has a smaller chance of climbing the corporate ladder than someone who's physically fit. The Wall Street Journal, citing data from the Center for Creative Leadership, reported that a person's weight can impact how they are <a href="http://www.wsj.com/articles/SB10001424127887324595704578241573341483946">perceived at the workplace</a>. This may seem unfair, but maybe it's best to hit the treadmill instead of the burger joint at lunchtime.</p> <p><em>What financial activities do you engage in during your lunch break?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-quick-financial-moves-to-make-today-at-lunch">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know About 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/5-financial-obstacles-that-are-especially-tough-for-women">5 Financial Obstacles That Are Especially Tough for Women</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/9-best-free-financial-learning-tools">9 Best Free Financial Learning Tools</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/comparing-savings-rates-us-vs-japan">Comparing Savings Rates: U.S. vs Japan</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/dont-despair-over-small-retirement-savings">Don&#039;t Despair Over Small Retirement Savings</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance income investing saving Thu, 29 Jan 2015 14:00:05 +0000 Tim Lemke 1283488 at http://www.wisebread.com 8 Buys That Will Be Cheaper in 2015 http://www.wisebread.com/8-buys-that-will-be-cheaper-in-2015 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-buys-that-will-be-cheaper-in-2015" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/man-pumping-gas-thumbs-up-Dollarphotoclub_59630807.jpg" alt="man pumping gas" title="man pumping gas" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>2015 is shaping up to be a great year.</p> <p>While economists agree that the Great Recession was officially over back in 2009, you may not have felt the benefits until recently. But thanks to a stronger dollar and lower commodity prices, several industries now have a cost advantage and are ready to pass on those savings to us consumers.</p> <p>Here are the eight things that will be cheaper in 2015.</p> <h2>1. Gasoline</h2> <p>As a resident of the notoriously expensive state of Hawaii, I couldn't be more ecstatic about this news! U.S. gasoline prices ended 2014 at their <a href="http://www.eia.gov/todayinenergy/detail.cfm?id=19471">lowest levels since May 2009</a>. And they might be about to drop even lower. According to the U.S. Energy Information Administration, in 2015 the average price per gallon will be about $2.60 (the average in 2014 was about $2.71). Some states are expected to enjoy per gallon prices below the $2 mark. As of December 2014, some gas stations in Texas were selling gas at&nbsp;<a href="http://money.cnn.com/2014/12/05/news/texas-gas-prices/">$1.89 and $1.99 per gallon</a>.</p> <h2>2. Air Travel</h2> <p>The benefits of falling fuel prices are trickling down to other industries, among them the airline industry. Carrier companies are likely to <a href="http://www.dailyfinance.com/2015/01/12/will-airfares-drop-cheaper-oil/">cut the average flight's ticket price</a>&nbsp;by 5% in 2015. However, don't expect this price drop to happen right away. Airlines are experiencing healthy demand from consumers and are still tied up with fuel contracts at old prices. Due to this, economists suggest that it will take about six months for airfares to drop. Some analysts predict that flights leaving from Dallas, Washington, and Tampa could experience the biggest drops from last year's prices (-11.2%, -6.7%, and -5.9% respectively).</p> <h2>3. Bacon</h2> <p>Bringing home the bacon just got easier: Experts expect <a href="http://restfinance.com/Restaurant-Finance-Across-America/September-2014/Food-Prices-Should-Get-Better-Except-For-Beef/">bacon prices</a>&nbsp;to fall 15% to 17% in 2015. I know what you're thinking, &quot;How do I go about becoming a bacon expert?&quot; But let's keep on topic. Due to moderate corn prices, the pork and poultry markets will be able to lower the prices of several products, including cheese, chicken breasts &mdash; and yes, bacon.</p> <h2>4. Milk</h2> <p>There are two reasons why you can expect lower milk prices this 2015. First, <a href="http://www.agweb.com/article/how-russia-us-milk-ban-affects-markets-nate-birt/">Russia's ban on U.S. milk imports</a> is forcing producers to find other buyers. Keep in mind that milk is a perishable item, so this puts pressure on them to accept lower prices. Second, the lower price of corn, used in the feeding of cows, is boosting per-cow milk output to record levels. U.S. dairies are expected to reach production levels of <a href="http://www.agweb.com/article/wasde-more-milk-fewer-exports-lower-prices-in-2015-catherine-merlo/">212.8 billion pounds of milk</a> in 2015, a 6.7 billion pound increase from 2014 levels. This excess supply means lower milk prices for you.</p> <h2>5. Smart watches</h2> <ul> <li>2013 gave us the Samsung Galaxy Gear.<br /> &nbsp;</li> <li>2014 revealed to us the Apple Watch.<br /> &nbsp;</li> <li>2015 will give us a bigger and cheaper selection of smart watches.</li> </ul> <p>While the Apple Watch looks very cool, its expected $349 price tag may turn off price-sensitive customers. That's why Chinese equipment manufacturers are racing to capture the wearables market by producing <a href="http://www.gartner.com/newsroom/id/2848817">Android-based smart watches</a>&nbsp;with retail prices as low as $30. This aggressive pricing strategy is bound to drive down the price of existing Android-based smart watches below $150.</p> <h2>6. Cloud Storage</h2> <p>If you're currently paying for your cloud storage, you probably loved seeing Microsoft and Amazon&nbsp;<a href="http://www.computerworld.com/article/2486931/cloud-computing/amazon-and-microsoft-drop-cloud-storage-prices-by-up-to-50-.html">dropping their cloud storage prices</a>&nbsp;by up to 50%. In August 2014, Dropbox reduced the price of 1TB storage to $9.99 per month. Then later in October, Microsoft rolled out unlimited cloud storage to its Office 365 subscribers.</p> <p>Cloud storage's race to zero, as in $0, is on. Take advantage of these falling prices, but make sure to keep your data safe. (See also: <a href="http://www.wisebread.com/10-critical-steps-to-protect-your-data-in-the-cloud?ref=seealso">10 Critical Steps to Protect Your Data in the Cloud</a>)</p> <h2>7. New Homes</h2> <p>Most analysts agree that <a href="http://www.calculatedriskblog.com/2014/11/update-more-2015-housing-forecasts.html">new home sales</a>&nbsp;will be above the 500,000 mark in 2015. That means that builders need to come up with about 50,000 new homes from existing inventory from the Great Recession era. One opinion is that builders are going to sell fewer expensive new homes to be able to come up with that inventory. These new homes are often packaged with eased credit conditions for buyers with moderate credit scores. As the prices of homes are plateauing around the country and new inventory becomes available, 2015 may be a good year to acquire a home.</p> <h2>8. Gold</h2> <p>What goes up, must come down. And gold is not an exception.</p> <p>Gold is often used as a commodity to hedge against rising prices. Given that there are so many industries set to enjoy cost breaks throughout 2015, there are fewer concerns about inflation, thus reducing demand for gold. Goldman Sachs forecasts&nbsp;<a href="http://www.bloomberg.com/news/2014-12-23/cheaper-oil-putting-gold-out-of-job-as-an-inflation-hedge.html">gold prices to drop $1,050</a>&nbsp;by December 2015, while SocGen expects a price of $950 in 2015's Q4.</p> <p>To put things in perspective, the price of gold peaked at $1,923.70 an ounce in 2011. If there was ever a good time to pick up gold, it would be 2015.</p> <p>So, the next time somebody tells you about the &quot;good ol' days,&quot; you have eight reasons to let them know that the good ol' days for consumers are here now.</p> <p><em>Which price drops are you looking forward to the most this year?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/8-buys-that-will-be-cheaper-in-2015">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-these-8-things-to-profit-from-the-improving-economy">Do These 8 Things to Profit From the Improving Economy</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/why-buy-one-get-one-free-is-usually-a-bad-deal">Why &quot;Buy One Get One Free&quot; Is Usually A Bad Deal</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/13-creative-ways-to-avoid-spending-money">13 Creative Ways to Avoid Spending Money</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-you-stop-online-impulse-spending">This Is How You Stop Online Impulse Spending</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Economy income prices spending Fri, 16 Jan 2015 12:00:03 +0000 Damian Davila 1280355 at http://www.wisebread.com 7 Ways to Boost Your Finances While You Sleep http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-boost-your-finances-while-you-sleep" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/young-woman-sleeping-bed-Dollarphotoclub_70087199.jpg" alt="woman laying on bed" title="woman laying on bed" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So you work from 9-to-5, but your income just isn't cutting it. You need to earn more money, but there are only so many hours in the day. Your problem could be solved with passive income, or money you can earn without needing to be physically present &mdash; even in your sleep. (See also: <a href="http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads?ref=seealso">12 Side Jobs for Stay-at-Home Moms and Dads</a>)</p> <p>Check out these strategies for increasing and diversifying your income without having to take on another &quot;real&quot; job.</p> <h2>1. Sell Products Online</h2> <p>It's easy to setup an ecommerce store for selling products online, or you can <a href="http://www.amazon.com/gp/seller-account/mm-summary-page.html">partner with a big company like Amazon</a> to do the selling for you. Selling items on auction sites like eBay is also easy. Even monetizing your hobbies via sites like <a href="https://www.etsy.com/">Etsy</a> can pay off big time. There is no need for you to be present &mdash; or even awake &mdash; to receive orders or payments.</p> <h2>2. Create Awesome Online Content</h2> <p>It's definitely possible to make money while blogging or producing YouTube videos, especially if you're consistently producing awesome stuff. Of course, scientists have yet to discover a way to blog while sleeping. So, the work itself has to happen with your eyes wide open. But the money-making part of the operation can happen while you're sound asleep.</p> <p>People can read your content at any hour and click on your site's advertisements. You can also make money through affiliate marketing, in which users click on a link to a product or service, and you get a cut from any sale. It's possible to schedule social media updates to direct people to your site at any hour. Waking up to see a robust new traffic and revenue report can be a truly exhilarating experience.</p> <h2>3. Rent a Property</h2> <p>Being a landlord can often be more difficult than people expect, but it can be a great passive income stream if you have a low-maintenance property and great tenants. Ideally, the amount of rent you collect will exceed whatever payments you have to make on the property, making it a profitable venture that you can manage on the side.</p> <h2>4. Peer-to-Peer Lending</h2> <p>Websites such as <a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=22959155&amp;fot=1184&amp;foc=1" target="_blank">Lending Club</a> allow you to earn some passive income by lending to people who need cash and earning interest on those loans. Once you select who you want to lend to, the income will come on its own as long as the borrower can pay you back.</p> <h2>5. Invest in International Stocks</h2> <p>Imagine waking up to find that your investments made money overnight. That's what can happen if you place money in investments from around the globe. Some international investments &mdash; especially those in Europe &mdash; have performed sluggishly in recent years, but others offer strong growth potential.</p> <p>If you are intimidated by the idea of investing internationally, don't worry: There are some very solid mutual funds and exchange-traded funds that mirror international markets, meaning you avoid the need to research individual stocks. The <a href="http://www.ishares.com/us/products/244048/ishares-core-msci-total-international-stock-etf">iShares Core MSCI Total International ETF</a> is well regarded and has low fees. Funds from the Lazard Fund Family have also performed well.</p> <h2>6. Trade Currencies</h2> <p>The foreign exchange market (or <a href="http://en.wikipedia.org/wiki/Foreign_exchange_market">forex</a> for short), is open round the clock, six days a week, and it's possible to schedule trades to take place while you're asleep. Before jumping into the Forex, it helps to know the difference between the Euro and Yen, of course. And <a href="http://www.xe.com/currencytrading/">trading currencies</a> isn't for everyone &mdash; it's volatile, and often requires strong knowledge of global markets. Check out reputable forex courses, such as those offered by TD Ameritrade, first.</p> <h2>7. Just&hellip; Sleep</h2> <p>There is some evidence that sleep, by itself, can at least indirectly help you financially. There's no question that getting adequate sleep can make you more alert and productive. But the benefits of sleep may go much deeper. Sleep deprivation has been linked to a variety of ailments ranging from obesity to cancer, so getting enough sleep could be a way to avoid costly medical bills.</p> <p>Some new research suggests <a href="http://sleepfoundation.org/sleep-news/sleep-loss-precedes-alzheimers-symptoms">there's a link between inadequate sleep and Alzheimer's disease</a>. Thus, getting enough sleep will help you remain mentally sharp as you age, possibly extending the length of time you can work and earn money.</p> <p><em>How do you make productive use of your time sleeping? Perk up and and tell us about it in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-ways-to-make-money-online-that-arent-scams">13 Ways to Make Money Online That Aren&#039;t Scams</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/when-should-you-say-no-to-those-who-want-to-borrow-money-from-you">When Should You Say No to Those Who Want to Borrow Money from You?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-reasons-your-credit-score-may-improve-soon">4 Reasons Your Credit Score May Improve Soon</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-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash">12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-despair-over-small-retirement-savings">Don&#039;t Despair Over Small Retirement Savings</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance blogging extra income income lending online sales renting Mon, 15 Dec 2014 14:00:07 +0000 Tim Lemke 1267801 at http://www.wisebread.com Do These 8 Things to Profit From the Improving Economy http://www.wisebread.com/do-these-8-things-to-profit-from-the-improving-economy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/do-these-8-things-to-profit-from-the-improving-economy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/couple-buying-home-178728490-small.jpg" alt="couple buying home" title="couple buying home" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After several years of sluggish growth, it appears that the economy is getting better. Unemployment has dropped. The stock market has been setting record highs. But are you poised to take full advantage of the rebound? (See also: <a href="http://www.wisebread.com/8-ways-rising-interest-rates-can-help-your-wallet?ref=seealso">8 Ways Rising Interest Rates Can Help Your Wallet</a>)</p> <p>Here are eight ways to position yourself for the best result once the economy kicks into high gear.</p> <h2>1. Pay Off Debt</h2> <p>If the economy is getting better and you find yourself earning more, getting rid of debt should be your first priority. The last thing you want is to miss out on an economic boom because you're handcuffed by loans and credit card bills, so pay that stuff off. And do it fast, because a good economy often comes with higher interest rates. So if you have debt, it's best to rid yourself of it before it gets pricier to pay down later.</p> <h2>2. Spend Less</h2> <p>The flipside of higher interest rates is that you'll be making more on any money you have in your bank account. So there's an incentive to save now. What's more, you may be earning more in general during strong economic times, so you have the double whammy of stashing more money into those saving and retirement accounts, plus a higher return.</p> <h2>3. Pump Those Retirement Accounts</h2> <p>There's never a truly bad time to begin investing, especially if you have a long savings window. So get started now, before stock prices get too out of hand. Consider upping your 401(k) contribution. And if you have an IRA, you have until April 15 to make contributions that count toward 2014's tax bill.</p> <h2>4. Lock In Whatever Prices You Can</h2> <p>A good economy often comes with some inflation. So it might make sense to explore ways to secure long-term price stability on items or services you use frequently. Locking in a price on a cable or mobile phone bill might make sense, and you may even be able to lock in prices on electricity and other utilities.</p> <h2>5. Build Up Your Emergency Fund</h2> <p>If you are fortunate enough to have some extra money come your way, consider using it to build up your savings to protect yourself. Opinions vary on how much liquid cash you should have socked away, but at least three months of salary is a good rule of thumb.</p> <h2>6. Consider Buying That House</h2> <p>If interest rates do go up, mortgages could get pricier. So it may be wise to try and purchase a home now while rates are still historically low. If you've been on the fence about when to buy, now may be the time.</p> <h2>7. Ask for That Raise</h2> <p>When the economy was slow, employers were loath to give out pay raises. &quot;Times are tough, we've got to tighten belts,&quot; was the common response. Now, with things improving, it's harder for your boss to make the argument that you're not worth a bump in pay. If your organization has done well financially and you feel you've played a role in that, go ahead and ask for that increase.</p> <h2>8. Update Your Resume and LinkedIn Profile</h2> <p>If things are getting better, employers may starting looking for new hires. Take advantage of the situation by updating your online presence and doing what's necessary to look good to recruiters. If you stopped working during the downturn, maybe its time to get back into the workforce. If you hate your job, maybe now is when you find a better one. And if you like your job, it never hurts to build up your network and see what else is out there.</p> <p><em>Are you ready for a better economy? How do you plan to profit from it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/do-these-8-things-to-profit-from-the-improving-economy">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-9"> <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/9-reasons-why-the-us-economy-is-kicking-the-worlds-butt">9 Reasons Why the U.S. Economy Is Kicking the World&#039;s Butt</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-new-normal-economy">The new normal economy</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/peak-debt">Peak Debt</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-buys-that-will-be-cheaper-in-2015">8 Buys That Will Be Cheaper in 2015</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/why-inflation">Why Inflation?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Financial News debt Economy employment growth income spending Mon, 08 Dec 2014 14:00:10 +0000 Tim Lemke 1264105 at http://www.wisebread.com Best Money Tips: Change Spending Habits to Increase Your Income http://www.wisebread.com/best-money-tips-change-spending-habits-to-increase-your-income <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-change-spending-habits-to-increase-your-income" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/woman-shopping-sale-467758709-small.jpg" alt="woman shopping sale" title="woman shopping sale" 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 some amazing articles on changing spending habits to increase your income, the art of healthy discontentment, and creating a budget you'll stick with.</p> <h2>Top 5 Articles</h2> <p><a href="http://thewealthnumber.com/change-spending-habits/">Change Spending Habits to Increase Your Income</a> &mdash; Becoming a bargain shopper can help you change your spending habits and increase your income. [The Wealth Number]</p> <p><a href="http://www.grantbaldwin.com/art-of-healthy-discontentment/">The Art of Healthy Discontentment</a> &mdash; If you have a healthy discontentment, you are able to appreciate where you are in life but are not content to stay there. [Grant Baldwin]</p> <p><a href="http://www.adamhagerman.com/how-to-prepare-a-budget/">Creating a Budget You'll Stick With in 8 Easy Steps</a> &mdash; To create a budget you'll stick to, start by setting goals. [Adam Hagerman Financial Coach]</p> <p><a href="http://www.belmorefinancial.com/blog/saving-strategies-10-easy-ways-spend-less-and-save-more%E2%80%A8">Saving Strategies: 10 Easy Ways to Spend Less and Save More</a>
 &mdash; Maintaining your car and practicing energy efficiency can help you save more while spending less. [Belmore Financial]</p> <p><a href="http://www.freemoneyfinance.com/2014/08/five-myths-and-misconceptions-about-indexing.html">Five Myths and Misconceptions About Indexing</a> &mdash; It is a myth that index funds underperform in bear markets. [Free Money Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://my-alternate-life.com/moving-on-a-budget/">How to Stay Sane and on a Budget When Moving</a> &mdash; Taking the time to purge before you move can help you save on moving expenses. [My Alternate Life]</p> <p><a href="http://www.tamingthehighcostofcollege.com/012/">Saving and Investing for College</a> &mdash; 529 plans and education IRAs are a couple ways you can save and invest for college. [Taming the High Cost of College]</p> <p><a href="http://www.savvysugar.com/Disaster-Emergency-Kit-24626776">What to Keep at Home to Prepare for Natural Disasters</a> &mdash; Be sure you have medication as well as tools on hand in case of a natural disaster. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/8-easy-tips-for-parents-to-save-money">8 Easy Tips for Parents to Save Money</a> &mdash; Parents can save money by taking advantage of kids eat free nights and borrowing from friends. [Parenting Squad]</p> <p><a href="http://debtfreeinthree.tumblr.com/post/84293471368/guest-post-how-to-save-money-on-flights">How to Save Money on Flights</a> &mdash; To save money on flights, check the calendar of your destination to make sure you aren't trying to travel there during a big event. [Debt Free in Three]</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-change-spending-habits-to-increase-your-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-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</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-reasons-youre-bad-at-money-and-how-to-fix-it-asap">8 Reasons You&#039;re Bad at Money — And How to Fix It ASAP</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-lies-rich-people-never-tell-themselves">10 Lies Rich People Never Tell Themselves</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/is-your-emergency-fund-big-enough-to-keep-you-afloat">Is Your Emergency Fund Big Enough to Keep You Afloat?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep">7 Ways to Boost Your Finances While You Sleep</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips habits income shopping spending Wed, 03 Sep 2014 19:00:05 +0000 Ashley Jacobs 1195776 at http://www.wisebread.com These 10 Words and Phrases Are Keeping You From Getting a Raise http://www.wisebread.com/these-10-words-and-phrases-are-keeping-you-from-getting-a-raise <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-10-words-and-phrases-are-keeping-you-from-getting-a-raise" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/female-businesswomen-talking-480160831-small.jpg" alt="female businesswomen talking" title="female businesswomen talking" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Nobody seems to have told 2014 that the <a href="http://www.epi.org/publication/class-of-2014/" style="text-decoration:none;">recession ended five years ago</a>.</p> <p>Not only are college graduates having a hard time getting jobs, but current employees are having <a href="http://www.foxbusiness.com/personal-finance/2014/05/21/how-to-ask-and-get-raise-deserve/" style="text-decoration:none;">a hard time getting raises</a>. This means that now more than ever, you should take every interaction with your supervisor or boss as an opportunity to leave a positive impression.</p> <p>And while we can't necessarily tell you how to solve your companies' specific challenges or exceed your role's specific expectations, we can tell you that speaking eloquently and with confidence is a great way to stand from the crowd. (See also: <a href="http://www.wisebread.com/12-ways-to-finally-get-that-promotion-this-year?ref=seealso" style="text-decoration:none;">12 Ways to Finally Get That Promotion This Year</a>)</p> <p>With that in mind, here are 10 words and phrases that you should drop from your vocabulary to increase your chances of getting a raise.</p> <h2>1. &quot;Oh&hellip;&quot;</h2> <p>If the first word coming out of your mind is &quot;oh&quot; every time that your boss asks you a question, she may get the impression that you have no idea of what's going in your projects. Being caught by surprise every now and then is not a corporate sin, but you shouldn't give the impression that your mind is wandering instead of focusing in your tasks.</p> <p>Stop looking like a deer caught in headlights and ask relevant, meaningful questions that allow you to gather more information.</p> <h2>2. &quot;Everything&quot;</h2> <ul> <li>What caused the delay in the project?</li> <li>What can I do to help you improve your performance?</li> <li>What are the benefits to our company from your job?</li> <li>What would you have done differently?</li> </ul> <p>If you answer &quot;everything&quot; to the four questions above, your supervisor is likely to facepalm. While it may be true that every single possible thing went wrong with your project, he is asking you to shine some light into the specifics.</p> <p>From that &quot;everything,&quot; cite up to three specific reasons and elaborate on them. Your supervisor will thank you and believe that you know your stuff.</p> <h2>3. &quot;Not My Job&quot;</h2> <p>Words to die by. If you are a fan of the Spiderman comics or movies, then you know that this mentality contributed to the eventual death of <a href="https://www.youtube.com/watch?v=XsOGSMvQSxE" style="text-decoration:none;">Peter Parker's Uncle Ben</a>. (See also: <a href="http://www.wisebread.com/the-surprisingly-frugal-lifestyles-of-12-famous-superheroes?ref=seealso" style="text-decoration:none;">The Surprisingly Frugal Lifestyles of 12 Famous Superheroes</a>)</p> <p>You cannot refuse to lend a hand to your coworkers all the time. Put yourself in their shoes and imagine if every single person in the office did that to you &mdash; how would you feel?</p> <p>Listen to your coworker's request and determine who is the right person to help. Remember what goes around, comes around. Set a positive expectation for when you are the one asking for help.</p> <h2>4. &quot;Honestly&quot;</h2> <p>Does this mean that unless you're saying &quot;honestly&quot; people are to assume that you're not being honest?</p> <p>Most people tell white lies or misrepresent facts. Researches have found that <a href="http://www.dailymail.co.uk/news/article-1213171/Men-lie-times-day-twice-women-study-finds.html" style="text-decoration:none;">men tell six lies a day</a> on average to their partner, boss and work colleagues, while women tell an average of three. However, this doesn't mean that you should create special truth periods through &quot;honestly.&quot; Additionally, if you say &quot;honestly&quot; out loud, it sounds as if you're venting frustration rather than infusing confidence in your statements.</p> <h2>5. &quot;I'll Try&quot;</h2> <p>Does this mean that you will do it or not? There is a big difference in either answer, so you need to be more specific than that.</p> <p>For example, imagine that you want to get a raise. The &quot;I'll try&quot; answer doesn't provide you any specifics. You don't have a target date, a list of action items, or a target salary to reach. If you want a raise, you have to go for it, not just try. From those who ask for a raise, <a href="http://www.cbsnews.com/news/easiest-way-to-get-a-raise-and-promotion/" style="text-decoration:none;">85% at least get something</a> and 63% get at least as much as they asked for.</p> <p>So say yes or no, and fully commit to a course of action.</p> <h2>6. &quot;It's Just Business&quot;</h2> <p>It's never just business. The <a href="http://www.wisebread.com/use-the-8020-rule-to-maximize-your-financial-opportunities" style="text-decoration:none;">80/20 rule explains</a> why.</p> <p>This ratio reminds us that 80% of your revenue, comes from 20% of your client base. That 20% is a combination of legacy clients, satisfied clients, and &quot;afraid of change&quot; clients. You know most of those clients by name and are comfortable enough to have a relaxed, casual chit-chat with them during conference calls. These clients are sticking with your company because of a good relationship. It's just not business.</p> <p>By coldly claiming &quot;it's just business,&quot; you are burning bridges and closing doors to potential business opportunities. And you're also potentially closing a door on your own raise if your supervisor catches wind.</p> <h2>7. &quot;Just Kidding&quot;</h2> <p>Every office needs a bit of good humor. No office needs passive-aggressiveness. And the end-all phrase of passive-aggressiveness is &quot;just kidding.&quot; As in:</p> <ul> <li>&quot;Kelly is such a slacker. Just kidding!&quot;</li> <li>&quot;Because Matt aaaaalways shows up on time, right? Just kidding!&quot;</li> <li>&quot;I didn't mean that, you know I was just kidding, don't you?&quot;</li> </ul> <p>Sugar coating insults or negative comments leads to resentment. There is a time and a place for jokes. Make sure that you learn the appropriate situations for serious and light comments at your company. Making enemies means losing respect, means having a tougher time justifying why you deserve more responsibility and compensation than you're already getting.</p> <h2>8. &quot;Let Me Finish This First&quot;</h2> <p>Every time that you hear this phrase, three things often come to mind:</p> <ul> <li>This person can only work on one thing at a time.</li> <li>This person is very rigid and not willing to adapt.</li> <li>This person is not willing to listen to me.</li> </ul> <p>While multitasking can do more harm than good, it is also true that our brains can handle <a href="http://www.feedbooks.com/userbook/23831.pdf" style="text-decoration:none;">five to nine things</a> at once. When asked to pay attention to something that may be more urgent, you need to answer that call. Being a team player provides you ammunition for the next time that your supervisor is doing performance reviews or that you ask for a raise.</p> <h2>9. &quot;But&hellip;&quot;</h2> <p>This one word has the power to undo everything positive you listed earlier. As in:</p> <ul> <li>&quot;Your design is outstanding, but&hellip;&quot;</li> <li>&quot;Yes, you show up to work early, however&hellip;&quot;</li> <li>&quot;I love the latest logo revision, but&hellip;&quot;</li> </ul> <p>People don't hear enough compliments throughout the day. Researchers say that you should give between <a href="http://appreciationadvantage.com/how-many-compliments-should-you-give" style="text-decoration:none;">three to ten positive comments for each negative one</a> you dish out. So the next time you provide a compliment, simply say it, and let it marinade on the other person. Especially when closing a meeting or ending a call, you want to end on a high note that resonates for a couple moments.</p> <h2>10. &quot;I'm No Expert&hellip;&quot;</h2> <p>Then you shouldn't be saying anything!</p> <ul> <li>Would you ask a non-expert in medicine about how to treat a disease</li> <li>Would you care that somebody without legal expertise reviews your will?</li> <li>Would you trust your retirement account to a person without expertise in financial matters?</li> </ul> <p>No, you wouldn't.</p> <p>When you don't have the expertise, let the experts talk. And when you do hold the necessary credentials, don't undermine them and just state your case. You will sound more assertive and look more professional.</p> <p>And so will your new compensation package.</p> <p><em>What other words and phrases need to disappear from our professional vocabulary? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/these-10-words-and-phrases-are-keeping-you-from-getting-a-raise">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-11"> <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-simple-steps-to-discovering-your-true-salary-potential">6 Simple Steps to Discovering Your True Salary Potential</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/5-things-to-say-to-your-boss-to-get-a-promotion-or-raise">5 Things to Say to Your Boss to Get a Promotion or Raise</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-times-a-higher-salary-isnt-worth-it">6 Times a Higher Salary Isn&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-a-side-hustle-can-further-your-career">5 Ways a Side Hustle Can Further Your Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-career-tactics-that-are-actually-holding-you-back">5 Career Tactics That Are Actually Holding You Back</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building earnings extra income income paycheck promotion raise Fri, 15 Aug 2014 09:00:04 +0000 Damian Davila 1184375 at http://www.wisebread.com Are You Underpaid? How to Figure Out What Salary You Deserve http://www.wisebread.com/are-you-underpaid-how-to-figure-out-what-salary-you-deserve <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/are-you-underpaid-how-to-figure-out-what-salary-you-deserve" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/research-451675941-small.jpg" alt="man researching" title="man researching" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The ultimate job question: How much should you earn? It can be surprisingly hard to figure this out, because employers tend to hide the pay disparities between employees. There are, however, some good ways to ascertain what salary you deserve. (See also: <a href="http://www.wisebread.com/the-psychology-of-salaries-do-you-want-to-know-how-much-your-coworkers-make?ref=seealso">The Psychology of Salaries: Do You Really Want to Know What Your Colleagues Make?</a>)</p> <h2>Know the Industry</h2> <p>The first step is to research the job market you are entering. Are you in retail? Insurance? Blogging? It's important to know the specific industry in which you are applying.</p> <p>Online resources such as <a href="http://www.glassdoor.com/index.htm">glassdoor.com</a>, <a href="https://www.linkedin.com/">linkedin.com</a>, and <a href="http://www.indeed.com/">indeed.com</a> are a good way to find the average pay grade for your industry and even by the specific company.</p> <p>However, online databases are only as good as who they culled the information from, and at what time. For example, salary data from 2006 would not be particularly helpful in 2014.</p> <p>Another good resource is the <a href="http://data.bls.gov/">Bureau of Labor Statistics</a>. The government bureau releases its salary information by year. You can find breakdowns by state, county/region, industry, and career levels within that industry. With each report you will find the mean hourly salaries of American workers.</p> <h2>Know the Range</h2> <p>Here's a thought: You may not be in the average pay bracket for your industry. There are multiple ranges based on experience, education, special skills, and more. Beware of pricing yourself too high for the job.</p> <p>If you have lower than average experience for their job description, you should not ask for the average. You can highlight other attributes that make up for having less experience, such as higher education than the requirement and special skills. Remember to plan a <a href="http://www.wisebread.com/you-should-always-negotiate-a-raise-here-are-10-reasons-why">negotiation tactic</a> before advocating for more money.</p> <p>Those with high experience have a different problem: being sure to ask for more than the average, so there is a place from which to negotiate. Women tend to have trouble <a href="http://www.wisebread.com/why-women-dont-negotiate">asking for more</a>, and should be more assertive in asking for the salary they deserve.</p> <h2>Know When to Ask</h2> <p>A great way to gather salary information is on the ground. Start attending industry mixers, conferences, or job fairs. There is an event for almost every job that exists, so start googling your job and look for opportunities to network. You can inquire with HR representatives directly about salary histories and ranges without fear of being inappropriate.</p> <p>Know when to ask others in your workplace. Ask employers confidentially for a range in your department. For example: &quot;What is the lowest and highest salary an entry-level systems analyst can earn at this company?&quot; If you have trouble getting a prospective employer to divulge, there may <a href="http://money.usnews.com/money/blogs/outside-voices-careers/2013/09/30/why-employers-wont-name-a-salary-range-first">be a reason</a> &mdash; try asking the same question of a former employer. You have nothing to lose, and your old boss may provide insight you did not consider.</p> <p>If you're trying to get a raise, know when to <a href="http://money.usnews.com/money/blogs/outside-voices-careers/2011/04/04/when-to-ask-for-a-raise">start the conversation</a>. It can also be tricky to know how much to expect. <a href="http://www.paycheckcity.com/calculator/salary/">PaycheckCity.com</a> is a good way to calculate net income, bonuses, and raises. You can play with dual scenarios to find a good starting percentage to negotiate your raise.</p> <h2>Know the Worth of Your Time</h2> <p>There are actual ways to calculate <a href="http://programs.clearerthinking.org/what_is_your_time_really_worth_to_you.html#.U9BRrvldWTM">your time's monetary value</a>! Evaluate your worth to an employer. What are your total living expenses (including a budget to save for the future)? What is the least annual salary you could take and still accept the job offer? What is the annual salary you would expect to feel like a valued member of the team?</p> <p>This is key for freelancers. Establishing a good hourly, daily, or per contract rate can be based on many factors:</p> <ul> <li>Do you have to commute?</li> <li>How much time is required for meetings, check-ins, and evaluations?</li> <li>Are you paying for your own materials?</li> <li>Divide how long will it take you to complete a job by your work schedule &mdash; does it match up with your desired rate?</li> </ul> <p>Also, think about when it is acceptable to take a pay cut. Good reasons include: If you believe in the future of the company and your role within it; if you are transitioning to a new industry or department; or if you need more time away from the desk.</p> <p>Your time is the most precious part of the equation. If you can reconcile the worth of your time with the employer's needs and still feel valued, then the likelihood of growing and earning more in that job in the long term are much higher. Good luck!</p> <p><em>How much are you worth? Is that how much you earn?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/are-you-underpaid-how-to-figure-out-what-salary-you-deserve">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-12"> <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-simple-steps-to-discovering-your-true-salary-potential">6 Simple Steps to Discovering Your True Salary Potential</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/turn-your-passion-into-a-living">Turn Your Passion Into A Living</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/7-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</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/crime-scene-cleaner-and-4-other-trades-that-pay-surprisingly-well">Crime Scene Cleaner and 4 Other Trades That Pay Surprisingly Well</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-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income earnings income job salary Mon, 28 Jul 2014 17:00:06 +0000 Amanda Meadows 1168485 at http://www.wisebread.com Best Money Tips: Ways to Make Money This Week http://www.wisebread.com/best-money-tips-ways-to-make-money-this-week <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-make-money-this-week" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/yard-sale-83590529-small.jpg" alt="yard sale" title="yard sale" class="imagecache imagecache-250w" width="250" height="167" /></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 great articles on ways to make money this week, finding the right fit in a job, and ways you are wasting money at the grocery store.</p> <h2>Top 5 Articles</h2> <p><a href="http://kylieofiu.com/2014/05/15-ways-to-make-money-this-week-3/">15 Ways to Make Money This Week</a> &mdash; To make money this week, have a garage sale or sell plants from your garden. [Kylie Ofiu]</p> <p><a href="http://www.mainstreet.com/article/career/employment/finding-right-fit-job">Finding the Right Fit in a Job</a> &mdash; 42% of people think &quot;cultural fit&quot; is the most important factor in determining whether or not to make a hire. [MainStreet]</p> <p><a href="http://www.savvysugar.com/How-Stop-Wasting-Money-Grocery-Store-34831861">19 Ways You're Wasting Money at the Grocery Store</a> &mdash; If you aren't using a reusable shopping bag or not checking your receipt, you may be wasting money at the grocery store. [PopSugar Smart Living]</p> <p><a href="http://www.frugalconfessions.com/save-beyond-my-means/4-common-money-saving-sabotages-and-how-to-get-around-them.php">4 Common Money-Saving Sabotages and How to Get Around them</a> &mdash; Instead of using the money you saved to buy something else, put your savings into a savings account. [Frugal Confessions]</p> <p><a href="http://www.obliviousinvestor.com/why-most-experts-suggest-delaying-social-security/">Why Most Experts Suggest Delaying Social Security</a> &mdash; Delaying social security increases the payout you'll receive. [Oblivious Investor]</p> <h2>Other Essential Reading</h2> <p><a href="http://moneysmartlife.com/start-career-cities/">Want to Start a Career? Consider Moving to One of These Cities</a> &mdash; Moving to Austin or Denver is a good move if you are thinking about starting a career! [Money Smart Life]</p> <p><a href="https://www.jeanchatzky.com/wednesday-welcome/wednesday-welcome-making-living-flip-flip/#more-10620">Wednesday Welcome: Making a Living, Flip by Flip</a> &mdash; When making a living flipping houses, figure out financing and be known as one of the good guys. [Jean Chatzky Making Money Make Sense]</p> <p><a href="http://www.biblemoneymatters.com/you-shouldnt-make-your-financial-decisions-based-on-financial-gurus-advice/">You Shouldn't Make Your Financial Decisions Based On Financial Gurus' Advice</a> &mdash; Since most financial gurus give general advice not tailored to your unique situation, you shouldn't make decisions based on their advice. [Bible Money Matters]</p> <p><a href="http://www.moneysavingenthusiast.com/2014/05/15/etsy-etsy-com-www-etsy-com-getting-started/">Five Tips for Getting Started on Etsy</a> &mdash; If you are interested in selling on Etsy, find your niche and learn how to compete. [Money Saving Enthusiast]</p> <p><a href="http://parentingsquad.com/11-alternative-uses-for-cookie-cutters">11 Alternative Uses for Cookie Cutters</a> &mdash; Have you ever used cookie cutters to make crayons? [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-ways-to-make-money-this-week">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-13"> <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/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash">12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-making-activities-you-can-do-today">5 Money Making Activities You Can Do Today</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/100-ways-to-make-more-money-this-year">100+ Ways to Make More Money This Year</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">8 Truths From a Mystery Shopper You Must Read Before You Get Started</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-ways-to-make-money-online-that-arent-scams">13 Ways to Make Money Online That Aren&#039;t Scams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income best money tips extra income income make money Wed, 28 May 2014 09:00:52 +0000 Ashley Jacobs 1140878 at http://www.wisebread.com 10 Dumb Habits That Are Keeping You From Earning More Money http://www.wisebread.com/10-dumb-habits-that-are-keeping-you-from-earning-more-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-dumb-habits-that-are-keeping-you-from-earning-more-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/laptop-352274-small.jpg" alt="laptop" title="laptop" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>It seems like there&#39;s a constant competition within us to both work and build something that other people can use and benefit from (and ultimately make us money) or to spend our time in systems that people have already established. (See also: <a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online?ref=seealso">11 Easy Ways to Make Money Online</a>)</p> <p>A good comparison would be this simple dilemma: Do I start a Facebook page for my business or spend time skulking around on my personal Facebook account?</p> <p>One is you creating something, while the other is you wasting time in an arena that somebody else created.</p> <p>There are plenty of worlds created by others that we spend time in that rob us of our ability to produce and ultimately increase wealth. It has also created habits in us that rob from that goal as well.</p> <p>Here are 10 of the worst habits standing between you and earning more money.</p> <h2>1. Social Media Unrelated to Work</h2> <p>We&#39;ve already touched on it, but social media is by far one of the most distracting things we have at our fingertips, with the average user spending over <a href="http://www.searchenginejournal.com/the-growth-of-social-media-an-infographic/32788/">15 hours per month</a> on Facebook alone. That means on average people are losing over three hours of productivity per week due to Facebook, before we even factor in Pinterest, Twitter, and Google Plus. (See also: <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit?ref=seealso">How to Break Your Social Media Habit</a>)</p> <p>So instead of spending 15 hours a week as a user, spend it as a page admin and work on building up a social media following for your business, whether that be a store, website, blog, or whatever else you&#39;re working on.</p> <p>Make it something that allows you to produce with your time instead of just consume it. (See also: <a href="http://www.wisebread.com/13-ways-to-use-social-media-in-business?ref=seealso">Ways to Use Social Media in Business</a>)</p> <h2>2. Constantly &quot;Checking&quot; Your Favorite Websites</h2> <p>The Internet allows to consume information in a live, as-it-happens manner. We don&#39;t need to wait for the paper to show up at 7:30 a.m. Instead, we&#39;re able check for the latest information available, which means a rolling pursuit of information and constantly checking the websites that provide it.</p> <p>Whether it be sports, news, or our collection of RSS feeds, checking a site five or six times a day can burn away the clock, so discipline yourself to only check those sites when you&#39;re not working on other things.</p> <h2>3. Listening to Music While Trying to Focus</h2> <p>While it can help you finish <a href="https://medium.com/what-i-learned-today/be3172896a0f">boring tasks faster</a>, listening to music while learning something new or trying to build something (writing an article, developing HTML, or designing something in architecture) can actually <a href="http://www.webmd.com/brain/news/20100729/listening-to-music-while-working-hurts-performance">hamper your progress</a> and make it more difficult to concentrate. (See also: <a href="http://www.wisebread.com/how-to-stay-focused-at-work?ref=seealso">How to Stay Focused</a>)</p> <h2>4. Taking Long Lunches</h2> <p>Unless your work isn&#39;t time sensitive or you don&#39;t get paid by the hour, taking a two-hour lunch is incredibly unproductive. Instead, pack a lunch and take 15 minutes to relax and fuel up. Not only will you be able to recoup the hour, but you&#39;ll also have an easier time &quot;getting back into the swing of things&quot; with the shorter break.</p> <h2>5. Waiting for the &quot;Perfect Job&quot;</h2> <p>While there&#39;s nothing wrong with having a job you like and doing something that suits you, don&#39;t wait to buckle down until you find the perfect gig. Often the jobs that seem less than ideal can act as stepping stones that push you towards that eventual dream job. Don&#39;t turn your nose up at those opportunities because they&#39;re essential pieces of the puzzle when it comes to your ultimate career goals.</p> <h2>6. Communicating Poorly</h2> <p>Even disregarding simple aspects of communication like smiling and making eye contact can compromise your ability to network and make connections in the workplace or any kind of professional environment. (See also: <a href="http://www.wisebread.com/25-ways-to-communicate-better-today?ref=seealso">25 Ways to Communicate Better</a>)</p> <p>If you&#39;re a poor communicator or if you make a habit of avoiding situations where you have to speak and make conversation, it&#39;s possible that you&#39;re unknowingly hurting your earning potential.</p> <h2>7. Waiting for the Right Moment to Ask for a Raise</h2> <p>There&#39;s probably never going to be a situation where you feel comfortable asking for a raise.</p> <p>That ideal scenario where it just kind of &quot;comes up&quot; in conversation with your boss isn&#39;t likely to occur, so it&#39;s going to be something that you need to initiate. Just be sure that you&#39;ve got some talking points to discuss why you deserve the raise. You can even approach it from an angle of wanting to be worth more to the company or asking your boss what you can do to potentially increase your pay rate.</p> <p>However you do it, just make sure you don&#39;t keep putting it off.</p> <h2>8. Sleeping In</h2> <p>One simple thing you can do to earn more, or at least increase your earning potential, is get up early. (See also: <a href="http://www.wisebread.com/9-benefits-of-being-a-morning-person?ref=seealso">Benefits of Being a Morning Person</a>)</p> <p>For most people, thoughts and ideas are clearer and more easily communicated in the morning. If that&#39;s not true for you and you work better after five, stay later and get that extra hour and half in between 5 p.m. and 7 p.m. if you have to.</p> <p>The rule is still the same in that you&#39;re going the extra mile and simply putting more time into your job.</p> <h2>9. Thinking You&#39;re Smarter Than Everyone Else</h2> <p>We&#39;ve all seen people who do this. They&#39;re always carrying around some form of righteous indignation because they could do better at everyone else&#39;s job, except their own.</p> <p>Don&#39;t be that person.</p> <p>Be an expert in what you&#39;re supposed to be an expert in and let everyone else you work with do their job the way they know how. You&#39;ll be more likeable, more respected and, in the long run, more promotable. (See also: <a href="http://www.wisebread.com/boost-your-career-how-to-be-happier-and-more-likeable-at-work?ref=seealso">How to Be More Likeable at Work</a>)</p> <h2>10. Not Having Attainable Goals</h2> <p>Far too many people just think, &quot;I want to build and accumulate a lot of wealth.&quot; At the same time, they don&#39;t put the time into defining or thinking about any of the steps that are required to actually achieve that goal.</p> <p>Set attainable goals for yourself and don&#39;t worry so much about whether or not the money is gushing in. Chances are it won&#39;t for a long time and that&#39;s fine. Instead, just focus on the small and attainable goals as your progress through your yearly to-do lists.</p> <h2>Earning Money Will Come</h2> <p>For those who work both hard <em>and</em> smart, the money and the financial stability will come.</p> <p>The trick is to be more concerned with the work and less concerned with the bottom line. It&#39;s alright to spend your energy improving your worth and creating things that are valuable to people, even if you don&#39;t see the income right away.</p> <p>If you&#39;re able to sustain that rhythm for a few years, you&#39;ll find yourself in a comfortable spot quicker than you ever thought possible.</p> <p><em>What habits have you noticed that slow earning? Please share 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/10-dumb-habits-that-are-keeping-you-from-earning-more-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <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/getting-by-without-a-job-part-2-boost-income">Getting by without a job, part 2--boost 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/is-six-figures-really-that-much">Is Six Figures Really That Much?</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-will-the-federal-minimum-wage-increase-affect-you">How will the federal minimum wage increase affect you?</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/are-you-underpaid-how-to-figure-out-what-salary-you-deserve">Are You Underpaid? How to Figure Out What Salary You Deserve</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/does-money-really-buy-happiness">Does Money Really Buy Happiness?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income bad habits earning income Wed, 15 Jan 2014 10:36:16 +0000 Mikey Rox 1111194 at http://www.wisebread.com 100+ Ways to Make More Money This Year http://www.wisebread.com/100-ways-to-make-more-money-this-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/100-ways-to-make-more-money-this-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="/files/fruganomics/imagecache/250w/blog-images/cash-177737224.jpg" alt="cash" title="cash" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>This year, this week, this minute: There is a way you can make more money if you want to. Here I&#39;ve collected more than 100 ways to make more money &mdash; most right from Wise Bread&#39;s archives, and many of which you can start on today. From furthering your career to selling your stuff, from recycling to, heck, even juggling chainsaws &mdash; there&#39;s something here for you. (See also: <a href="http://www.wisebread.com/ways-to-make-money-over-the-holiday-break?ref=seealso">Ways to Make Money Over the Holidays</a>)</p> <h2>Career</h2> <p>Within your current career, here are some ways to up your income.</p> <h3>Ask for a Raise</h3> <p>You&#39;ll never know if you don&#39;t ask; pay rates are rarely straight across the board (unless you&#39;re unionized). You might just deserve a bit extra for your efforts. (See also: <a href="http://www.wisebread.com/10-ways-to-boost-your-take-home-pay?ref=seealso">Ways to Boost Your Take-Home Pay</a>)</p> <h3>Look for Another Job</h3> <p>If getting more money from your current employer isn&#39;t working, maybe it&#39;s time for you to take a step up. Look around to see what jobs are available; depending on your career, you may wish to align yourself with a headhunter who can job hunt for you (headhunters are compensated by the employers and are free for job seekers). (See also: <a href="http://www.wisebread.com/25-awesome-websites-to-help-you-get-a-job">25 Awesome Websites to Help You Get a Job</a><span style="line-height: 1.6em;">)</span></p> <h3>Start a Business</h3> <p>What are you passionate about? Can you turn it into a business? You never know &mdash; and it might not be expensive to set up. Find some inspiration here: <a href="http://www.wisebread.com/make-your-dream-career-a-reality-for-less-than-100">Make Your Dream Career a Reality for Less Than $100</a></p> <h2>Side Jobs</h2> <p>These can be side jobs or even full-time jobs, depending on your situation.</p> <h3>Write</h3> <p>Writing is not a ticket to easy or quick income, but if you have a penchant for the written word, you can pitch articles to various editors of publications (online or in print) that you like to read, or you could even dust off some of that old poetry and see if it will sell. Here are some cautionary tips and tricks for making money as a freelance writer: <a href="http://www.wisebread.com/so-you-wanna-be-a-travel-writer">So You Wanna Be a Travel Writer</a></p> <h3>Get a Sponsor</h3> <p>If you have a business or talent or website with a loyal following already, you might be able to monetize further with sponsorships. This is generally more of an in-kind form of income, with free products, tickets, and discounts in exchange for some sort of exposure. Learn more about sponsorships and the ethics around them: <a href="http://www.theprofessionalhobo.com/2012/10/financial-travel-tip-52-getting-sponsorships/">Financial Travel Tip #52: Getting Sponsorships</a></p> <h3>Affiliate Sales</h3> <p>Again this is dependent on having a solid online following. Find products or services that are in your website&#39;s niche, and sign up for their affiliate programs. Digital products like e-books can pay up to 50% in commission, Amazon&#39;s affiliate program pays about 5% commission, and there is a myriad of options in between.</p> <h3>Tutoring</h3> <p>Whatever you know about &mdash; if you can teach it, you can tutor it online! From music lessons to language tutoring to business planning and coaching, with tools like Skype, Google Hangouts, and other video conferencing tools, just about anything is possible.</p> <p>Here are some resources for academic tutoring opportunities: <a href="http://www.wisebread.com/extra-income-opportunity-online-tutoring">Earn Extra Income With Online Tutoring</a></p> <h3>Mystery Shop</h3> <p>If you have the time and transportation, mystery shopping can be a fun way to earn extra cash. See our <a href="http://www.wisebread.com/8-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">Guide to Mystery Shopping</a>.</p> <h2>Online</h2> <p>Many of the methods of making extra money in this article are made possible by the Internet. Some are more Internet-dependent than others. There are sites to help you rent out your car when it&#39;s not in use, others to sell things, and others yet to unleash your creativity (juggling chainsaws?) &mdash; and more &mdash; there are a lot of ways to make money online! Check out these articles for some inspiration and 21 ways to make money online:</p> <ul> <li><a href="http://www.wisebread.com/5-ways-to-make-extra-income-online-today">5 Ways to Make Extra Income Online Today</a></li> <li><a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online">Cool Convenient Cash: 11 Easy Ways to Make Money Online</a></li> <li><a href="http://www.wisebread.com/extra-income-online-5-websites-that-can-seriously-pad-your-pockets">5 Websites that can Seriously Pad Your Pocket</a></li> </ul> <h2 style="list-style-type:decimal;">Recycling</h2> <p>Isn&#39;t it great when the stuff you don&#39;t need is worth something and doesn&#39;t have to go in the trash? Here are 20 or so ways to make money from recycling (heck &mdash; you can even <a href="http://www.wisebread.com/25-things-to-do-with-used-corks-including-making-money-with-them">make money recycling corks</a>):</p> <ul> <li><a href="http://www.wisebread.com/cash-for-trash-making-money-recycling">Cash for Trash: Making Money Recycling</a></li> <li><a href="http://www.wisebread.com/make-money-recycling">Make Money Recycling: Get Paid to Recycle by 15 Websites</a></li> </ul> <h2 style="list-style-type:decimal;">Sell Your Stuff</h2> <p>From using the likes of Craigslist and eBay to local target marketing efforts, here are a few ways to be rid of your wares and all the richer for it.</p> <h3>Cleaning House</h3> <p>Adam and Courtney Baker sold just about everything they owned (similar to myself) several years ago. The difference is, they applied more of a science to it, and I would surmise they profited better from it than I did using eBay, Amazon, and Craigslist: <a href="http://www.wisebread.com/how-to-sell-your-crap-a-book-review-and-tips">How to Sell Your Crap: Book Review &amp; Tips.</a></p> <h3>Get Creative</h3> <p>In these articles you&#39;ll find sites and ideas like ExBoyfriend Jewelry (requiring your tragic tale of breakup in order to post your jewelry for sale), living estate sales, raid my closet parties, smartphone apps &mdash; and other creative ways of finding buyers for your stuff.</p> <ul> <li><a href="http://www.wisebread.com/11-unusual-ways-to-sell-your-stuff">11 Unusual Ways to Sell Your Stuff</a></li> <li><a href="http://www.wisebread.com/clear-out-that-clutter-15-places-to-sell-your-stuff">Clear Out That Clutter: 15 Places to Sell Your Stuff</a></li> <li><a href="http://www.wisebread.com/reselling-antiques-the-five-principles-of-power-picking">Reselling Antiques: The Five Principles of Power Picking</a></li> </ul> <h2 style="list-style-type:decimal;">Random Miscellany</h2> <p>How do you categorize renting out extra space, dog walking, selling event tickets, becoming a tour guide, participating in medical tests, and other wacky ways to make money? Randomly, I say. Very randomly:</p> <ul> <li><a href="http://www.wisebread.com/got-extra-space-make-money-and-meet-travelers-with-short-term-rentals">Got Extra Space? Make Money and Meet Travelers With Short-Term Rentals</a></li> <li><a href="http://www.wisebread.com/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash">12 Ways Legit Ways to Earn Some Extra Cash</a></li> <li><a href="http://www.wisebread.com/30-great-side-jobs">30 Great Side Jobs</a></li> <li><a href="http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads">12 Side Jobs with Flexible Schedules</a></li> <li><a href="http://www.wisebread.com/9-ways-to-earn-extra-cash-when-money-is-tight">9 Ways to Earn Extra Cash</a></li> <li><a href="http://www.wisebread.com/25-ways-to-make-money-today">25 Ways to Make Money Today</a></li> <li><a href="http://www.wisebread.com/make-money-in-your-hometown-become-a-tour-guide">Make Money in Your Home Town: Become a Tour Guide</a></li> <li><a href="http://www.wisebread.com/15-ways-to-make-money-while-you-travel">15 Ways to Make Money While You Travel</a></li> </ul> <p><em>What&#39;s your best idea for making more money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nora-dunn">Nora Dunn</a> of <a href="http://www.wisebread.com/100-ways-to-make-more-money-this-year">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-15"> <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/12-legit-ways-for-stay-at-home-moms-and-dads-to-earn-some-extra-cash">12 Legit Ways for Stay-at-Home Moms and Dads to Earn Some Extra Cash</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-making-activities-you-can-do-today">5 Money Making Activities You Can Do Today</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-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">8 Truths From a Mystery Shopper You Must Read Before You Get Started</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/13-ways-to-make-money-online-that-arent-scams">13 Ways to Make Money Online That Aren&#039;t Scams</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-boost-your-finances-while-you-sleep">7 Ways to Boost Your Finances While You Sleep</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income career extra income income small business Tue, 07 Jan 2014 11:25:18 +0000 Nora Dunn 1102579 at http://www.wisebread.com