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12 Easy Ways to Make Money Online

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easy ways to make money online

Today I’m going to show you some new strategies to make a little extra cash.

Seriously. Are you looking to make money today?

Life happens.

Sometimes you need to figure out how to make money fast to pay a bill or you’re trying to save up for something you want. You don’t want to fall behind on bills and are wondering how to make money today. Sure, another 100 or 200 dollars earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens?

This is an exhaustive list of things that anyone can do, today, in order to make money fast through the best money making sites.

If you’re strapped for time, I’ll go ahead and share the best ways to make money fast:

Easy Ways to Make Money Online

Ready? If you are in a hurry here are the highlights:

1. Join Rakuten and get a $10 Cash Bonus

You’d be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Rakuten is my favorite way to make money when I shop online and right now they are offering a $10 sign up bonus through this link.

rakuten bonus

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

Hello, free money! Join now for free here.

Join free and claim $10

Download: iPhone | Android | Browser

2. Download This One App and Receive $50 Cash

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too.

I downloaded this app and make around $50-100 passively… it’s a legit app.

You don’t really have to do anything other than initially registering your computer or phone.

nielsen

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $100. Sign up through here for a registration bonus.

Download and collect $50

Download: iPhone | Android | Browser

3. Earn Money Fast with Survey Junkie

Taking online surveys to make extra money is a no-brainer!

You definitely won’t get rich with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

survey junkie

Survey Junkie: This is a free survey app for your phone that pays you to take online surveys, participate in focus groups, and try new products.

And, I really mean free all around – free to join and they don’t charge anything to be a member (they will actually pay you in cash via PayPal).

surveyjunkie

You can get a free registration bonus for free when you join through this link.

Survey Junkie pays up to $50 per survey, and many of them take less than 5 minutes to complete. It is one of the highest paying survey sites that actually works!

Sign up through here for free.

Get $50/survey at Survey Junkie

Download: iPhone | Android | Browser

4. Free Cash Does Exist – Here’s How You Could Score $10 Right Now

Swagbucks is another great survey site to make $200 fast in your free time. As a new member, you can earn up to $35 per survey! They are known for giving out fun, top-paying surveys. And you can also get paid to play games and watch TV!

It’s similar to Survey Junkie, but there are also a few other ways you can earn money as a member (including a $10 bonus just for signing up).

swagbucks

Other ways you can make money with Swagbucks outside of surveys:

Here’s the good and the bad about Swagbucks:

ProsCons
An incredibly wide range of activities to partake inSometimes there’s no sign-up bonus
Most of the tasks are incredibly simple to completeMay take up to a few days to receive your reward
Sign up bonus of $5.00 through this link. 
100% free – never join a rewards site that asks for your payment information 
Great referral program – earn 10% of friends’ earnings

Swagbucks is conveniently offering a $10 bonus just for signing up through this link, so act fast.

Join free and collect $10

Download: iPhone | Android | Browser

5.  Lucktastic: Win Real Cash for Free

lucktastic

Unlike other money making apps, with Lucktastic (Android) you won’t waste your time.

You only have to scratch cards once a day and it’ll only take about 5 minutes.

For every 30,000 tokens, you can get a $5 gift card which is an amazing deal considering the fact that you’re not really doing much.

lucktastic app

I like to play Lucktastic on Android devices every day and receive gift cards on the regular.

I would totally recommend this app to people looking to get a little extra cash doing something fun and easy. So far, most definitely, one of the best money earning apps.

Download Lucktastic here.

Download Lucktastic for free

Download: iPhone | Android | Browser

 6. Get Spotted $100 For Playing Cards

Solitaire Cube is an addicting game where you can play Solitaire on your phone and compete in cash tournaments.

Solitaire Cube includes tournaments and head-to-head competitions with real cash prizes (where available).

It’s available on the Apple Store only, sorry Android users.

It’s pretty easy to get started and the game will match you up with other players who have the same level of skills in real-time.

Cash outs are through PayPal and I had no issues withdrawing or depositing money.

How to play? Stack cards into piles to sort them by their suit. Sound easy? It is!

Get paid for playing cards

Download: iPhone | Android |  Browser

7. Earn Free Gift Cards and Cash for Playing Games

mistplay

We all heard the old saying “Time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid for it.

MISTPLAY is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. This legit gaming app has over 97,847 positive reviews in the Google Play store.

Getting paid for playing games sounds like a dream. But this gaming app makes it a reality.

As you level up you can earn more money for cash rewards or gift cards. If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

Download and collect $50

Download: iPhone | Android | Browser

8. Get Free Apple Stock

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join.

robinhood

The value of the free share may be anywhere between $2.50 and $250, and fluctuates based on market movements. You’ve got nothing to lose. I told you this was easy! Sign up through here.

You don’t even have to deposit any money to receive the stock… just sign up and wait a few days for it to show up in your account. You can sell the stock immediately and transfer the funds to your bank account if you wish. Legit free cash!

Sign up for Robinhood now

Claim free stocks

Download: iPhone | Android | Browser

9. Cash in on the Gig Economy Boom

Gig economy workers are the real winners in the COVID-19 era, as the demand for food delivery is booming.

If you wanted to cash in and earn over $50-100 each day — here are the best food delivery apps that pay the most:

  1. DoorDash: DoorDash is the #1 food delivery app to make money delivering food. You can earn on your bike or even by walking and make up to $20 an hour.
  2. Instacart Shopper: If you have a car then you can use it to deliver groceries with Instacart. Just log into the app whenever you want to make extra cash and the orders will come. You can earn $20 an hour.
  3. Postmates: Postmates is another popular option to make money delivery groceries, takeout, or even alcohol. Plus, there is no dress code so you can wear whatever you want during deliveries.

If you do plan picking a delivery app to make extra cash in your free time, consider driving for multiple food delivery apps at the same time in order to be more profitable and make more money in between orders

If you haven’t yet, click through to become an Instacart ShopperDoorDash Driver and join the Postmates Fleet!

Deliver with best food delivery app

10. The App That Helps (Broke) Millennials Invest Easily

Fundrise is a real, much better and desirable alternative to stock market investment. With Fundrise, you deal in the private real estate market that allows you to invest just like the super successful institutions.

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

fundrise invest

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have over 250,000+ users, this app really pays you!

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Claim free stocks

Download: iPhone | Android | Browser

11. Get Paid to Watch Videos & Collect your $5 Right Now

The next thing you can do is sign up for InboxDollars which pays you, in cash, to watch fun videos & take surveys. 

If you sign up before the end of this month, they also give you a $5 free bonus just to give it a try.

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and earn an extra $50/month.

More people should be doing this!

Earn money with InboxDollars

Download: iPhone | Android | Browser

12. Aspiration: Get Spotted $100 from This Bank for Free

Want to get spotted a free $100 without having to take out a personal loan or worse, payday loan? Simply sign up for Aspiration, and the free banking app will make you $100 richer just for opening an Aspiration Spend and Save account.

Just spend at least $1,000 in cumulative transactions (utilities + groceries) within 60 days of opening an account and you’ll get that $100 in your account. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Now you can get some beer money at any time — for free! You didn’t have to do anything, other than originally sign up for Aspiration. It’s as simple as that.

Get spotted $100 from Aspiration

Download: iOS | Android | Browser

Bonus: Best Paid Survey Sites for 2020

I sat down and studied all of the best survey sites to find out for myself which ones are legit (and high paying), and which ones are not. After reviewing most of the survey sites out there, I can confidently say that these are the three best survey sites in 2020:

Once You Have $1,000 in Your Checking Account, Do These 5 Things

Once you built some cushion in your bank account — you’re on the right path. Money making apps can only get you so far, it’s time to think about longer-term financial goals. What’s the next step you should take? Here are ways to take your finances to the next level:

1. Leave Your Family $1M

Who doesn’t want to be a millionaire? While we don’t all have trust funds waiting for us, there is still a way to provide protection for your loved ones with up to $1 million in term life insurance. Wouldn’t it be great if you could do this for as little as $8 a month without dealing with all the hassle of wasting your time or money? You don’t have to have money in your pockets to get a free quote from Bestow. If you’re interested, I recommend you sign up for more information from Bestow by clicking here.

Get started with Bestow

2. Build an Emergency Fund

Having money in the bank for emergencies can help you improve your financial standing. You’ll want three to six months’ worth of expenses in your emergency fund. Be sure to stash your money in the right savings account that’ll grow your money. Start with a high-yield savings account like CIT Bank that offers a Savings Builder that will pay a great APY and still give you instant access to your money in case of an emergency. You can open it with $100 and deposit $100 a month to help you get to $1,000 in less than a year.

Open Savings Builder account

3. Evaluate Your Checking Account

Need a better checking account that’ll spot you a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Get spotted $100 at Aspiration

4. Get Free Stocks Instantly

While you’re at it, why not increase your net worth with a free stock? Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).

Get a free stock at Robinhood

5. Start Building Passive Income

Fundrise is definitely one of the best passive income apps. This app was originally an iOS app and it has just become available on Android. By downloading this app, you can start investing in real estate all around the US in as little as 30 minutes and it’s super easy to get started. Then you can literally beat the stock market year after year and start making money in your sleep. If you want to earn the big bucks then you can learn how to get started by getting more information from Fundrise here.

Make money with real estate

Ready to Start Making Money?

If you went through this list then you should have plenty of side hustle ideas to earn extra cash this month.

It’s now up to you to pick one (or more) and stick with it. A ton of people use these same ideas to rack up $100s, $200s, or even $500 or more in extra cash.

In case you are wondering what ways I personally use to make extra cash, here is the 411:

  • Doordash: Doordash is the best option for delivering food to earn money in the gig economy. You make your own hours, earn $10-$14 per hour and get to keep 100% of the tips. Become a Dasher
  • Fundrise: I use Fundrise to diversify my real estate investments while also earning passive income. Any side hustle I earn goes back into passive income investing. I call this the income snowball. Fundrise is an industry leader. Try for Free
  • M1 Finance: I personally use M1 Finance to invest in dividend stocks, which also provide passive income. M1 Finance is completely free and allows you to invest automatically. Again, income snowball. Try for Free
  • Wikibuy: Best way to make extra money is saving on spending that you are already making. Wikibuy will scan and save you money automatically online. Save Money Automatically
  • InboxDollars: If you have spare time, it’s easy to earn cash. With InboxDollars, you can make money shopping online, watching videos and playing games. Get a bonus for joining. Claim $5 Bonus

Enjoy your $100 (or more) and feel free to take the weekend off!

19 Best Jobs for Introverts

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jobs for introverts

I never knew I’d benefit from jobs for introverts. I spent the better half of high school and college thinking I was an extrovert. I enjoy spending time with friends, do well at networking, and get along with pretty much anyone. However, I noticed myself getting burned out and could not stand working in a cube at my first job out of college.

It was exhausting and required constant interaction, which was overwhelming. It was until I found a new job that gave me an office. I was finally at peace. This was when I decided to take the Meyers-Briggs personality test and it turns out, I’m an extrovert.

That must be why working in an open office environment really exhausted me. What about you? Are you an introvert?

What is an Introvert?

Introverts emphasize their preference to work alone since introverts get their energy from within. Introverts aren’t usually the life of the party. Being an introvert, I can tell you that we usually aren’t well suited for an open office environment. Working in close quarters, such as cubicles, can really drain an introvert who may become overly stimulated.

However, there are jobs for just about anyone and this list will help if you’re an introvert. Here are potential ways to make money outside of a traditional 9-5 (best jobs for introverts).

Here are the best jobs for introverts, including the average salary you can expect to earn in each role, according to Indeed:

  1. Accounting Manager (Average Salary: $78,638 per year)
  2. Landscape Designer (Average Salary: $48,290 per year)
  3. Behavioral Therapist (Average Salary: $17.75 per hour)
  4. Content Manager (Average Salary: $57,368 per year)
  5. Executive Chef (Average Salary: $62,023 per year)
  6. Editor (Average Salary: $45,907 per year)
  7. Graphic Designer (Average Salary: $17.96 per hour)
  8. IT Manager (Average Salary: $83,896 per year)

If you are already set in your career and don’t want to switch it up to a more introverted oriented job, here are some ideas to make extra cash this month:

Low-Stress Ways for Introverts to Make Money

Here is a list of more ways for introverts to make money online.

9. Get Paid for Taking Online Surveys

side hustle guide

If you’re looking an easy and fun way to make money from home, have you considered making money with online surveys? It is possible to make money from the comfort of your own home.

Survey Junkie pays you, in cash via PayPal to take online surveys. There are some spammy survey companies out there — believe me, I’ve tried pretty much every one of them — but Survey Junkie is 100% legitimate and not spammy.

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and save an extra $50/month.

More people should be doing this!

Oh, and Survey Junkie also has an 8.9/10 rating on TrustPilot — the highest of any online survey company. This is a legit way to earn extra money, especially from the comfort of your own home.

10. Get Paid Every Time You Use The Internet

attending community college

Swagbucks makes surveys fun by having you watch videos, answer questions, play games, and use their search engine. You also pay in cash via PayPal and you can earn up to $35 per survey.

This is the best survey site for you if you are prepared to take surveys with your laptop. If you prefer to take surveys with your mobile phone, then Survey Junkie is better.

Many claim this to be one of the easiest jobs for introverts since you can do it on the side to earn easy cash.

Plus, if you sign up and they even give you a $10 sign-up bonus!

11. Rent out a Room to Make Your Income

jobs for introverts

Airbnb is is an online marketplace for people with space, rooms, or even entire houses to spare, Airbnb lets you list your place for rent just like a hotel or motel.

With Airbnb, you can fill that empty space in your home, and fill that empty spot in your wallet with more than a little spare change.

Be sure to check out an Airbnb hosting guide if you’re considering becoming a first-time Airbnb Host.

12. Start A Blog and Earn Money from Home

financially overwhelmed

Is it hard to start a blog and grow it?

The hardest part is getting yourself to just do it. Once you create your blog, you’ll actively work towards growing it and it’ll grow to become a new passion or hobby you have in life.

After starting it, there are a ton of helpful sites and articles for new bloggers. The first step is simply to remember to start today, not tomorrow.

It’s easy, all you have to do:

  1. Check out this free blog starter guide.
  2. Buy Hosting and Register Your Domain with Bluehost (Best Hosting Provider)
  3. Use this link for the cheapest possible price
  4. Simple 1 click install of Wordpress
  5. Start writing and sharing your blog with friends, family and others on social media.
  6. Watch the traffic come in and start monetizing your blog to earn an income from home.

bluehost earn

13. Get Paid To Watch Videos Online

easy ways to make money onlineThis one might just be the toughest on the list…

…who are we kidding, all you need to do is watch some short videos.

Given how easy it is to lose yourself in a never-ending cycle of YouTube videos, this one couldn’t be easier.

The catch here? The videos include ads.

While they may annoy you while browsing YouTube, you also don’t get paid to watch them. At InboxDollars, you do. Who wouldn’t watch an ad or two if they were getting paid?

14. Get Paid To Lose Weight

the perfect resume

HealthyWage offers people the opportunity to earn cash for losing weight. Getting paid for losing weight? Sounds too good to be true, but you read it right. The company was founded in 2009, and its HQ is in New York, and part of its mission is to provide ways to have a measurable impact on the growing obesity epidemic in the US.

They do this by legitimately offering cash prizes to make weight loss and fitness more fun and effective. Since HealthyWage was founded they have been featured in literally hundreds of newspapers, magazines, TV shows, blogs, and websites.

How can you make money with it? You essentially bet on yourself and how much weight you can lose. Since they are promoting ways to be healthy, your winnings depend on how much weight you lose and how much you bet. It’s a great way to make money and be healthy at the same time. A great option for introverts.

15. Get Paid For Teaching English Online

keep grinding

Still wondering, the best jobs for introverts after going through this list? Well, have you considered teaching English online (pick your own hours too)?

All that is required is that you are fluent in English, have a bachelor’s degree, and have some tutoring experience. This a great way to earn money from home and already 30,000+ use VIPKID to teach English from home.

You’ll make $12-$22 an hour, and Forbes ranked this company #1 on it’s 2017 “Top 100 Places Work From Home Companies” Since this is a legitimate way to make extra money, the application process pretty detailed.

With an opportunity to make $650 a month, just from one hour out of your day, may be worth looking at it. You can learn more about teaching English online on VIPKID’s website.

16. Get Paid for Renting Out Your Car

make money online

Did you know that you can rent out your car when you’re not using it? And that you can bring in a lot of extra cash in your wallet by doing so?

Do you sometimes not use your car on the weekends or during the day?  If so, renting out your car while you’re not using it could be an easy way to make a good living.

A well-known company, Turo, which has signed up nearly 5 million users to its website, according to Bloomberg, lets you do just that.

It’s also really simple to do (and free). Listing your car is quick and easy and takes less than 10 minutes to set up.

According to a recent Turo review, somebody listed their car for 5 days every month and made $3,496 in a year. Sounds pretty good to me. Oh, and they also protect your car against physical damage, so you’re fully covered. You can sign up here and let your car work for you.

17. Get Paid to Write Articles Online

business partnerships

Freelancing platforms like Upwork are a convenient way to search for writing assignments. If you have a specialization – like you have a culinary degree and can write food recipes and tutorials, or you’re a music enthusiast with a deep knowledge of music history and trends – try to contact online publications that specialize in these topics. They’re always on the lookout for writers who have a deep understanding of the subject matter.

One of the most challenging parts of looking for jobs for introverts finding people that’ll pay you to do it.

Based on our research, one site that has been a good place to start is with Writing Jobs. They’ve been around for a while and have been featured on Entrepreneur, MSNBC, and Yahoo News. When you go on their site, you just give them your email and some other information and they match you up with large corporations who are looking for writers. It’s a legit way to earn an income if you’re introverted.

18. Get Paid To Test Apps

keep grinding

Developers need people to play with the beta versions of their apps on different devices so they can find bugs and see how it runs on different devices.

Your reviews and feedback let them improve the app and check if people really like the concept. So it’s a win-win scenario: you’re helping them out and earning a little extra cash while doing something you enjoy.

You can earn a decent amount of income.

The fees depend on many factors: the website you have signed up for, the developer’s budget, and the kind of testing you’re being asked to do. So there’s a big range – maybe $10 for a small and simple job, and $100 for a complicated RPG from a bigger developer. I personally have used AppCoiner and they paid out on time and via PayPal.

19. Get Paid to Write Slogans

millennial leadership

Want to get paid for writing slogans? You can now get paid for coming up with catchy slogans and selling slogans to companies.

I have gone through this massive list of easy ways to make money online and just have come across this new and lucrative job for introverts.

Believe it or not, you can get paid to come up with slogans.

It’s true, and people are really selling slogans to companies for some serious cash.

Here’s how it works:

  1. Come up with a catchy slogan.
  2. Upload your slogan online, many people use this site.
  3. If a company decides to use your slogan, you’ll get paid (you’ve got nothing to lose, but a lot to gain).

Get Started With These High Paying Jobs for Introverts

These ideas should serve as stepping stones to get your feet wet with some easy jobs for introverts.

If you want other ways to make money besides these quick cash ideas, you can take a look at some high-paying jobs if you really wanted to switch careers.

Good luck coming up with finding an introvert dream job and getting paid! If you come up with another lucrative introvert job, leave it in the comments below!

Green Office: Do Millennials Prefer Environmental Companies?

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green office

These days, there’s a lot of pressure placed upon businesses and fintech companies to become greener. With the environment under threat from carbon emissions, plastic, and landfill waste, the government has introduced many measures in an attempt to tackle the problem.

It isn’t just the government that’s concerned with an office’s green credentials, however. For many job seekers, the decision of whether or not to work for a company often comes down to how green it is. So, do green credentials affect your decision to work within an office environment and what do green credentials actually say about a business? Or do you only care about working for a high-paying job?

Do green office credentials matter?

Several studies have been carried out to determine just how important green credentials really are to millennials. All of them have shown that the younger generation is concerned with the environment and they actively seek out businesses which are considered to be eco-friendlier. Green credentials can even impact which college millennials choose to study at. What’s most surprising, is that the majority of millennials stated in a survey that they would be happy to take a pay cut to work at a more responsible company.

So, it appears green credentials do matter within an office environment; particularly when it comes to attracting the right staff.

What do green credentials say about a business?

So, what is it that attracts people to an office with green credentials? Well, largely it’s the fact that a business that is focused on doing its part for the environment is one which cares about more than just making money. It shows they are committed to making a difference, something the younger generation pay attention to.

The benefits of a green office

There are a lot of benefits which come from running a green office. If an office takes part in a recycling program through First Mile, for example, it could save a lot of money on waste management. It would also obviously be helping to significantly reduce landfill waste. Investors are also much more likely to lend to green-friendly businesses, allowing for much greater growth.

Overall, green credentials do matter in today’s offices, especially when it comes to attracting young, fresh talent. Workers want more than just a pay check at the end of the month – they want to work for a company that’s helping to make a difference to the environment. So, environmental companies do need to start developing their green credentials if they want to stay relevant and successful in today’s marketplace.

How To Save Money Fast in Your 20s

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how to save money

Ready to learn how to save money effortlessly? As a single parent and college student, I mastered the art of being broke. No matter how hard I tried I never could get out of the constant circle of being broke. When you don’t have a good understanding of money you can never properly manage it. Education and budgeting tools are key to changing your money habits. So, today I am going to help you learn how to save money in your 20s even when you’re broke.

5 Savings Goals to Reach in Your 20s

Here is a list of ways to save money fast in your 20s.

1. Stay Disciplined

Discipline is key! Learn how to tell yourself and others NO! To accomplish this I mastered the art of pretending to be broke even when I had the money. If I did not feel that the cause was worth the money then I did not do it.

Examples:

“No, I can’t give you a ride”

“ No, I can’t go out this weekend”

“ No, we can’t go on Vacation”

“No, I shouldn’t buy those new shoes”

“No honey, you don’t need another My Little Pony Toy”

See! It’s easy once you get the hang of it. If it is not in my budget I try really hard to say no to it. I believe in having a plan to reduce stress and accomplish goals more effectively. A budget is a key to keeping things in perspective. There were months when we were unsure how to pay everything or to get caught up on past due bills. I began to sit down and list out all my bills.

This has progressed into a very detailed Excel Spreadsheet and has caused me to become obsessed with learning more about my finances. I encourage you to get more focused on your finances for long-term benefits and monitor where every dime is going. I personally use and recommend tracking all your saving goals using Acorns and it’s completely free if you’re a student.

2. Establish the Habit of Saving Money

Saving is something we all NEED to do. It is imperative that we find ways to intentionally save but be aware that you shouldn’t take away from your necessities to do it. Don’t sacrifice your rent money for your savings. If you are broke like I was you have what Dave Ramsey calls and income issue, not a savings issue. You should increase your income by doing side hustles or jobs to gain income beyond what you need for your bills.

One way I was able to save without too much damage to my income was by using the Digit app and putting my savings on autopilot. Digit systematically took small amounts of cash from my bank account and stored it in a digital account for me. I loved this except when I literally planned every dime and then Digit took some. But it’s readily available to get your money within 24 hours. I have autosave on my bank account now.

I automatically move a certain amount of my paycheck into my savings before it gets to me. It’s set up to come out on payday at 8 AM. I then manage my bills with whatever is left. Do not do these options if you cannot afford your monthly bills. Fix your income issue first and then you can try to save small amounts.

The easiest way to start saving is by just putting small amounts into a jar or savings account daily. Pocket change is always around and easily available.

3. Increase Income/Side Hustles

Side hustles are the best ways to fix your income issues. The broke life is not the best life. Find ways to cut back on expenses and then go seek out ways you can make extra money. Here is a list of some of the side hustles I have done:

4. Coupons and Bargain Hunting

I LOVE to save money on items I already have to buy. One way I reduced my bills was by joining a bulk grocery store, BJ’s. For a low annual fee, I can buy larger amounts of food for great prices! My family of 3 was spending $500 a month on groceries. Since joining BJ’s we have cut our budget down to $300. We mostly only need certain items because bulk lasts much longer than the bi-weekly shopping I previously did. BJ’s also provides coupons regularly throughout the month which saves me even more money.

I am a bargain hunter and prefer to never pay full price. I love to online shop and find great deals on Groupon and Amazon. I search online before I ever step foot in a store. I love to go to flea markets and garage sales to see what I can find. I use coupons and find sales on clearance racks for my family’s clothing and other basic needs. The search will be worth the cost overall. If you’re just getting started, I like this coupons for beginners quick read.

5. Wait before making big purchases

Have a big purchase you are really wanting to splurge on? Sleep on it. Give yourself a few days to consider if you really want to make the purchase. Maybe you’ll decide that you don’t really need that item. If you do end up wanting to purchase the item, get cash back apps like Dosh.

6. Refinance your student loans

If your annual income is higher than your student loan balance and you have a credit score of 690 or higher — or access to a co-signer who does — consider refinancing your student loans to a lower interest rate.

It’s Possible

I want to let all the broke people know that you do not have to stay broke but it’s up to you to change it. If there is no change then your situation won’t and can’t. Set a goal and make a plan to obtain it. Start small if you need to and educate yourself. Good job staying informed! Feel free to take the weekend off in your apartment with your new-found desire to save money – knowledge is definitely powerful!

How To Be Chill At Work in 2020 — and Your Life (Backed by Science)

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how to be chill

Whow to be chillonder how to be more chill during your workday and your life? Here are 5 realistic ways you can become a happier, chill person overall.

We could all use more chill in our lives, right? Fortunately, there are many easy adjustments you can make to take some of the stress and chaos out of your daily routine—so easy, you’re going to wonder why you haven’t been doing these things all along.

Here are 5 easy ways to reduce stress, improve quality of life, and add some much-needed chill to your day.

1. Get enough sleep

If you’re not getting a solid 7-9 hours per night, you’re doing it wrong. And unfortunately, that’s a lot us: about a third of the U.S. population doesn’t get enough rest.

But science doesn’t lie. Research and studies consistently demonstrate that 7-9 hours is the golden standard for the average adult. Many people insist they only need a few hours of sleep a night to function. But that’s most likely because they’re delirious due to lack of sleep. Only a very small percentage of the population (around 1%) can function optimally on less than 7 hours per night, and that’s due to a genetic mutation.

The effects of sleep deprivation are no joke—impaired cognitive function, decreased productivity, and greater chance of having an accident or falling asleep while driving. Not to mention the long-term medical issues it can lead to: obesity, diabetes, heart disease, and mental distress.

So don’t cheat yourself. Get into the habit of getting a full night’s rest every night. The best way to do this is to go to bed at the same time every evening. Just count backwards 8 hours from the time you need to be up in the morning, and set yourself a reminder to be in bed about 15-20 minutes before that. Newer iPhones even have a handy bedtime reminder feature built into the alarm clock.

2. Take breaks during the day

Most of us work 8 hour shifts, or more, but the reality is that human focus has its limits. Our brains are simply not wired to be focused for that many hours a day, especially all in a row, and this is proven by science. One study revealed that experts who are elite in their fields (basically all fields: artists, athletes, intellectuals, scientists, saving experts) typically can spend only about 4-5 hours per day intensely focused on their work.

It’s unlikely this evidence will persuade your boss to shorten your workday, but taking breaks throughout your shift can help you stay on task and be productive. Planning out your work day and timing breaks will ensure you don’t lose track and end up spending 3 hours looking at cute cat memes on the internet.

The experts in the study above tended to work at the start of their day when their focus was best, so always plan to start your day with the project that will require the most focus (NOT with email!). And then take a break. One study suggests that the perfect ratio is 52/17: work for 52 minutes, and take a break for 17. If you can swing it without getting a raised eyebrow from your micromanager boss, give it a shot at work tomorrow.

3. Meditate daily

You may scoff at this suggestion but scoff at this: science has proven that people who meditate regularly actually change the composition of their brains. One study from UCLA showed that the brains of long-term meditators were better preserved than non-meditators. Meditation also reduces stress levels, helps with pain management, and relieves anxiety and depression.

The even better news is that even a few minutes a day will benefit you. If you’re a beginner, start with 5 minutes a day and work up to 15 to really start feeling results. Google “how to meditate” to find a plethora of advice on how to get started (or check out my step-by-step video guide), but the basics are pretty much the same no matter what source you consult: find a quiet location, sit or lie in a comfortable position, focus your attention on either your breathing or a phrase you repeat in your head, and keep an open attitude. If you follow these 4 instructions, there’s no wrong way to meditate.

Warning: At first it may feel like nothing is happening, or you may feel silly or bored or distracted, but just keep trying. What you’re doing is actually training your brain, and each time you sit down to meditate, something is shifting, slowly but surely, and it’ll get easier and easier with time.

4. Say ‘no’ more often

Make 2020 the year that you realize that you can’t please everyone. People pleasing is deeper than being accommodating, it can actually be detrimental to your health and not allow you to be chill according to TalkSpace. To chalk it up, by trying to say yes to everyone it can actually hurt your mental health. So learn how to politely say no at times when it’s in your best favor.

5. Stop reading negative news

What’s worse than waking up on a beautiful Friday morning, the weekend is a stone throw away and you hear about a double murder six blocks from your old elementary school? The media’s job is cause awareness but also to insight negative emotion and fear. Research shows that negative news can poorly affect your mental health. While it’s important to stay aware of what’s going, it’s always equally important to your health to stray away from negativity all the time. Take a binge from watching the news, so instead focus on meditating, exercising, or another activity that has been proven to boost your happiness and make life more fulfilling.

As our lives get busier and busier, especially for Millennials who are not only entering the peak years of their careers but also becoming parents, it’s even more important not to lose sight of the big picture. We owe it to ourselves to slow down and dedicate time each day to habits that improve our health and wellbeing and keep us grounded. Stay chill, guys.

Feeling Financially Overwhelmed? You’re Not Alone

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financially overwhelmed

Feeling financially overwhelmed? You’re not alone. Financial stress may be unavoidable, but there are steps that you can take to help you prosper financially.

Do I have to mention that 50% of American households cannot afford an unexpected bill of $500 or more, or only 35% of credit cardholders pay off their balance each month?

Or do I need to let you know that by missing a credit card payment, or maxing out your card, can lead to a reduction in your credit score, which means a more expensive lease agreement or personal loan agreement when going to borrow money?

Or do I mention that when most people earn more money, they simply upgrade what they have or attain another bill through another subscription etc., meaning that the extra money that they have earned is negated?

So, regardless of earnings, the same result will always occur at the end of the month.

So given all these statistics how can millennials fair in a looming prospect of being financially successful?

Save First, and Then Spend

If you are feeling financially screwed you need to focus on money-saving ideas and stay chill.

Pay yourself first. When I first heard this phrase, I actually thought, how do I pay myself? What with?

Then I realized that it does not really mean pay yourself first, but save first and then spend.

At some point in time in our lives, odds are is that we have been short of money. Whether it be at the grocery store, traveling, or being on vacation.

In that case, what did we do? We simply made smarter choices. You made do with some things and not others. Think about how your decisions changed when you were short of money.

When you know you have less money to spend, you make smarter choices, because you have to think about the best way to spend that money.

Each dollar has a value and you can only spend it once. I would recommend using that same mentality even when you aren’t short on cash.

Savings is Key

When you get paid, I suggest putting 10% away immediately. You will soon get used to having less disposable income each month, but guess what, you will be making smarter decisions, which is a win-win.

(If for example you get paid $1000 per month)

Month Month Amount Cumulative
1 100 100
2 100 200
3 100 300
4 100 400
5 100 500
6 100 600
7 100 700
8 100 800
9 100 900
10 100 1000
11 100 1100
12 100 1200

 

By the end of the year, you have a month’s salary in the bank, you no longer are one of the 50% “have not” statistics and you are making smarter choices each month. As you get paid more, you are able to save more and keep grinding and stay at it.

Bottom Line

Once you learn how to save money, your savings are now there for a deposit on a house, a car, an unexpected vacation, further tuition, or whatever priority comes your way.

Like any habit, the good habits are always the hardest to start – no sugar in your coffee etc., but with a little perseverance, you will reap the rewards.

Once you get your savings in order, you can learn easy ways to make some extra cash online.

Millennial Leadership: 5 Key Leadership Traits from Millennials

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millennial leadership

Here are 5 top Millennial leadership traits. Millennial leaders are emerging in today’s workforce and are evolving into one of the largest group of leaders.

It’s no secret that Millennials are one of the largest generations in history, and makeup over 35% of the workforce.  Though this age group consists of some of the most technologically-savvy in history, it often makes headlines for the less-than-desirable stereotypes, such as job-hopping, and requiring constant feedback.  But, as with all stereotypes, those are exceptions and not the norm.

Millennials are, however, evolving into one of the largest group of leaders in the history, filling management positions before many Gen Xer’s ever dreamed of holding them.  And it hasn’t happened by accident:  Millennials in the workforce have put in substantial time and effort to be recognized as the Emerging Leaders in today’s workforce.  These individuals possess some key qualities that set them apart from their peers, and their predecessors have no qualms passing the baton to them.

how to start a job

5 Top Millennials Leadership Qualities

Here is a list of the top 5 millennial leadership qualities.

1. They are Strategic

Millennial leaders understand that in order to solve problems, they need to plan ahead.  They realize that the problem won’t be solved effectively if they strike fast and look for an easy solution.  They study the problem and determine the desired result, creating a plan and timeline before any execution takes place. Millennial leaders are efficient, productive, concise, and prioritize the steps to their projects.

2. They Value Great Training

As leaders, Millennials understand that their most important role as a manager of people is to provide effective training.  They understand their subordinates and get to know them as individuals – deciphering their motivations, inspirations, and how they like to be rewarded.  They encourage questions and work to develop both group and individual skills.  They work to develop relationships and don’t rely on digital communication for feedback.  They take the feedback and create clear, actionable goals to be followed up on regularly.

3. They Recognize Different Perspectives

Millennial leaders are self-aware and recognize that unconscious bias plays a role in many decisions, so purposefully work to avoid it.  They choose to hire talent that is different from them so that a variety of perspectives will be apparent in the finished product.  They communicate with their team often and effectively, creating clear expectations.  They often hold kickoff meetings, status updates, and debriefing meetings, and listen carefully to the differing perspectives of their team.  Decisions are based on sound knowledge, not gut reactions.

4. They Value a Work/Life Balance

One of the proven necessities of an effective leader is the ability to have downtime to recharge and refresh.  This prevents burnout and leaves the Millennial leader with the necessary balance in order to have an optimal quality of life.  Never underestimate the importance of unplugging and enjoying family, hobbies, exercise, making beer money or just plain silence.  With the prior planning and delegation of duties, work is left running like a well-oiled machine.

5. They are Adaptable

One of the sure signs of high emotional intelligence is adaptability, so it is no surprise that the Millennial leader excels in this category.  After all, he or she grew up in an era of constantly evolving technology and challenges to every norm that Baby Boomers and Generation Xer’s became accustomed to!  This leads to added efficiency since the company won’t delve into chaos just because something unexpected occurred in one department.  The Millennial leader is nimble and thinks on his or her feet, coming up with an innovative solution to the problem, and spurring a culture challenging any status quo that ever existed!

What is a Millennial Leader?

Brandon Mitchell examines what has shaped the millennial generation and how they, in turn, are shaping the world.

Millennials and Leadership? Go Get It!

Despite the myths and stereotypes associated with Millennials, these tech-savvy leaders possess a hunger for success, career advancement, strong resilience, intellectual curiosity, and the ability to be agile in an ever-changing and complex society.  They believe in true relationships and connecting with their colleagues on a personal level.

They look for companies with a clear purpose and vision and have a strong appreciation for a company prioritizing its employees and the customer experience over profits.  Perhaps all generations could learn a little more from this special group in the workforce. Next, learn why hard work won’t make you successful but doing this will.

The Best Personal Finance Books For Ambitious Millennials

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best personal finance books

Personal finance books can empower you to budget, build leadership skills, save for retirement, get out of debt and tackle many other money-related decisions with confidence. But the possibility of falling down an Amazon rabbit hole or spending all day at the bookstore debating which title to pick is enough to deter some folks.

We’ve narrowed down our recommendations of the top personal finance books to put you back in charge of your money and finances.

#1. Think and Grow Rich by Napoleon Hill

 In Think and Grow Rich the author provides thirteen principles through which you can become as rich as you desire. Written in the 1930s, this book’s principles are based on the minds of people like Andrew Carnegie, which Napoleon Hill knew personally, and Henry Ford whom Hill studied intensely. Hill takes the methods from people like Carnegie and dissects them into processes the common man can follow to achieve high economic status.

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#2. The Millionaire Fastlane by MJ DeMarco

MJ Demarco takes a unique approach to teaching you how to acquire wealth. He raves, there are three options when it comes to wealth, the fastlane, the slow lane, and the sidewalk. If you want to acquire real wealth read this and discover how to shift from the sidewalk to the fastlane.

#3. Secrets Of The Millionaire Mind by T. Harv Eker

As the title suggests Eker breaks down the mind of millionaire and compares it to that of a poor man. In doing this the reader is able to find a clear distinction between the poor man and the rich man. Thus showing wealth starts with a mindset and can be achieved no other way.

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#4. The Millionaire Mind by Thomas J. Stanley

The basis of The Millionaire Mind is to provide an overview of the average millionaire, not the fortune 500 millionaires, but the ones that made their money through a very attainable means. The author takes the approach of supplying the reader with statistics about the average millionaire, which makes the reader feel like becoming a millionaire is no longer a wild dream but an attainable goal.

#5. The Secret by Rhonda Byrne

The Secret is a book based on the law of attraction. A universal law that when learned how to harness, anyone is able to attract the amount of money they desire. Byrne gives multiple testimonials of people applying the law of attraction and getting exactly what they imagined many years prior.

#6. The Total Money Makeover by Dave Ramsey

One of the greatest books in its category. If financial literacy is what you seek then look no further. Ramsey takes a very educated approach to teaching his readers how to properly handle their money. He does this by using factual evidence and saying things like, “A new 28,000 car will lose about 17,000 of value in the first four years you own it. To get the same result, you could toss a 100 bill out the window once a week during your commute.” The author provides practical, baby steps that if taken, will help you learn how to properly handle money.

#7. The Millionaire Next Door by Thomas J. Stanley

Yet another book that teaches people the proper steps and attitude to attain wealth. One of the main points made by Stanley is that it’s not how much you make that makes you wealthy it’s what you spend. He gives practical steps for the reader to follow in order to help you out of a debt creating lifestyle.

#8. The Richest Man In Babylon by George S. Clason

One of the most commonly known books for money management. Jim Rohn, a very successful motivational speaker, attributes a great amount of his success to this book alone. This book provides multiple money management principles to live by through the telling of a parable. These principles include save, invest, do work you love and become excellent, watch out for self serving brokers, and education never stops. Through these principles, you can set the foundation for a wildly successful life.

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Bottom Line

Feeling inspired? Next, you can check out list of the Top 10 Inspiring Entrepreneur Books.

How To Make Extra Money (And Still Work Full Time)

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how to make extra money

Ever wanted to make extra money on the side using side hustles? I know for me, the biggest issue I ever had with money was my income or the lack of income.

Even with a salaried job making $50,000 — it wasn’t enough. So what did I do? Well what most people do, find another source of income.

Sometimes One Job Isn’t Enough

The average American is struggling to make ends meet each month, with 59% of U.S. adults saying they live paycheck to paycheck, according to a recent survey from Charles Schwab. I needed to find ways to support my family without sacrificing my time and my health.

Financial stress is one of the leading causes of mental and physical health issues. I found out first hand how serious stress can be on your personal wellness. So, my search began to find ways to increase my income. I wanted to keep grinding and use my talents and experiences to build multiple sources of income. That’s when I discovered the side hustle.

Flex Your Side Hustle Muscle

In this post, I will share some of the best side hustles I ever had. I have always prided myself on being a workaholic since middle school. I was taught that if you work hard you can accomplish a lot. So I got my first job at sixteen while participating in multiple activities at school and maintaining honor roll. Even today I have two jobs and a fabulous up and coming blog that I created after using this free blog starter guide.

Managing your time effectively and working to support your family is easier with multiple income streams. Try to find jobs that aren’t too physically exhausting and provide a good amount of income. You should always look for ways to get a higher income stream for your family while reducing the amount of time you must actually be at work.

keep grinding

Driving for Lyft

Driving for Lyft is a good way to get an instant income boost but it is definitely like running your own business. There are tax and insurance obligations. You are responsible for other people and need to be professional. You have to keep your car and phone updated and in good working order. It’s much like having another job but you make your own hours. This is one of the most effective side hustle for my family.

Blogging/Freelancing

I learned how to get paid for writing articles and start my own personal blog not only for monetary purposes but as a stress reliever. It’s become my outlet and a passion. My dream as a teenager was to write a book and I am well on my way to accomplishing that. I took the plunge and launched my blog.

You don’t have to be perfect but you have to be able to educate yourself and practice continuously. Be confident in your goal which is to help others by sharing your expertise. Blogging and freelancing are a help focused career path and it isn’t easy. Find your niche and focus on your audience to become successful. Be aware that there is definitely work involved and it is not an overnight success. Websites like Fiverr allow you to list the freelancing services that you get paid for!

Surveys

Survey sites are a great way to earn some extra cash in your spare time. I used to wonder if paid surveys really work but they do. I do surveys on my tablet or phone while watching tv or riding in the car or even on my lunch breaks. You can earn small amounts per survey with minimal effort or time.

Some of the best survey sites will give you gift cards instead of cash which come in handy for family expenses, such as gas, groceries or to local department stores.

I joined a few different survey sites to increase my survey intake and profit potential. My current favorites are:

Babysitting and Odd Jobs

You can also make extra money on the side by babysitting or even pet sitting. I also signed up for Avon and found odd jobs on Fiverr, and Craigslist too.

Just be careful, always use your intuition and be cautious with these jobs because sometimes you can get scammers.

Be alert and aware of strange requests and people. I would get jobs from family and friends who needed someone to care for their pets or children. We mowed lawns and cleaned homes or garages for extra cash to boost my income. There are so many different ways to find part-time jobs by using apps like Steady or gig economy sites.

Wrapping It All Up

Using these methods you can certainly find ways to make extra money on the side using side hustles. Please, understand that the true definition of a side hustle is to increase your income. There are many ways to do that so find what works best for you. Looking for more methods to make money from home? Check out this post on ways to make extra money online.

How To Become a Freelancer (A Successful One)

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how to become a freelancer

In order to become a successful freelancer, you can follow the steps I did to become a successful freelancer. Learn how to become a freelancer in 2020.

These days, it’s not uncommon for many people to pick up some freelance work to make money on the side. So if you’re reading this it’s probably because you want to become a successful freelancer. You’ve thought about what you want to freelance in, you’re ready to quit your day job, and you’ve even dreamed about how luxurious it will be to work from home in your sweatpants.

There are some financial secrets to becoming a successful freelancer which I am going to share with you in this blog post. In fact, using these steps – and a bit of determination – you can get out of your desk job and become a successful freelancer.

So how did I do that?

Let’s Start From the Beginning

I’ve always been a saver. My mom laughingly recounts taking two year old me to the store and asking if I wanted some chocolate. My response to her was that she needed to save her money.

This is probably the reason I pursued a career in accounting before starting my journey writing about personal finance. This transition was eye-opening for me.

I realized, even though I did have a talent for saving money, I strayed off course, as well. It turned out that my spending and saving habits weren’t completely aligned with my financial goals—like paying off debt and pursuing my dream of freelancing.

My husband was completely supportive of my desire to start freelancing. Being the bookkeeper that I am, we sat down one day and took a look at our finances.

To my surprise, our expenses were way more than I previously thought. I knew I had to cut back on things if I wanted to pursue my goal of becoming a successful freelancer.

Here’s how we did it:

1. Eliminate Bills and Subscriptions

This is the first obvious step for most people. What I realized when I did this was, even if you’re confident about the state of your expenses, take another look.

Sometimes we pay for subscriptions just because we’ve always done so, and not because we actually use them. I don’t want to go into detail about which bills we eliminated, because what’s not necessary to me could be a luxury that you can’t live without.

It’s just important to be honest with yourself. By doing this, we were able to save around $60 per month.  That doesn’t sound like much, but that comes to $720 per year. This money will help with bills while working as a freelancer.

2. Negotiate Your Bills

If you absolutely can’t do without some subscriptions, consider alternatives or even calling your existing providers and seeing if you can pay less. Yes, people do this.

I think that what people don’t realize is that you don’t have to be an irate customer to get discounts. You can be nice about it.

I know that eliminating cable is a step that many people take when they want to cut their bills. My husband, however, could not be without his sports channels and I needed my Walking Dead fix each week.

I called our provider and asked them if they could give me the discount that they were promoting on television for new customers. When they told me that they could not, I asked if they had any promotions for loyal customers.  Just like that, I was given 17% off my bill per month. No arguing or threats necessary.

This doesn’t always work, however. I called my auto and home insurance company and told them that I received a quote for lower insurance (which I actually did) from someone else. I told her that I didn’t want to change insurance providers if I didn’t have to since I had been with her for such a long time. She came back to me with $9 off per month if I drastically reduced my coverage.

Needless to say, I went with the insurance company that quoted me less and saved over $150 per month on both my home and auto policies ($1800 per year in savings).

3. Schedule Your Splurges

When we sat down and looked at our finances, I realized that our credit card statement was unusually high.

When we looked at each item on our bill, we realized that the majority of our credit card expenditures were related to eating out. We went out at least several times per week. Sometimes it was because we really wanted to go out, but other times it was just because we were too lazy to cook.

Both my husband and I agreed that we didn’t want to give up the fun we had on our dates. Instead of eliminating our outings completely, we just scheduled our dinners out for Saturday night.

When we knew in advance that we were going to spend $40 or $50 in a couple of days at our favorite restaurant, we were less likely to be impulsive on a random Tuesday night. This change in habit saved us several hundred dollars per month.

So Finally…

Money is meant to be spent. However, saving is equally important in order to be able to pursue your dreams of becoming a freelancer. I learned that even when you think that you’re great with money, it was worth giving your finances another look. Also, you don’t have to make drastic changes. As in our case, all the little changes ended up saving us thousands over the course of the year, enabling me to make my career change. It’s just about being consistent and staying informed.