Allan Liwanag is a personal finance blogger who paid off at least $40K debt in 3 years by adopting simple and extreme saving techniques while ensuring his family's needs were taken care of. An analyst by day and dedicated blogger by night, he loves to share his thoughts - based on his research, personal knowledge, and experience - on topics related to family, life, and money. Allan lives with his family in Maryland, USA.
Blogging is a great side hustle because you can do it at your own pace anywhere you want. It's not a quick and easy way to make money, but there are a lot of ways to make money side hustling while blogging. You can sell advertising, become an affiliate for other people's products, sell your own online product, and more. It does take time to build up an audience to be able to make a decent amount of money, but once you have a large following, you could earn over $15,000 per month or more (we do).
Under no circumstances should any information from this blog be used as replacement for professional financial advice. DollarSprout.com is owned by VTX Capital, LLC and neither are licensed by or affiliated with any third-party marks on this website and third parties do not endorse, authorize, or sponsor our content except where clearly disclosed. DollarSprout.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
Another option that isn’t quite cash back but is along the same lines of “make money by saving money” — the Honey Chrome extension. Whenever you head to your cart to check out, Honey searches for online coupon codes or better deals from different retailers. That means no more wasted time Googling “[insert store name] coupon code” just to come up empty-handed. Honey does all the legwork for you!
Next, you need to set up and build your YouTube channel. Your YouTube channel is your homebase for all your content. If you already have a Google account for Gmail or Google Drive, then you can use that to log-in to YouTube and start setting up your channel. Pick a username that works for you and is memorable (if you’re using an existing Google account you’ll have to edit your username in Google+).
Sign up for a reputable affiliate network: Aside from Amazon, there are dozens of large reputable affiliate networks, such as Share-A-Sale, Clickbank, and Skimlinks, that specialize in connecting you with merchants who are looking for affiliates to sell their products. They charge relatively low commission fees for the privilege of connecting you with merchants, and the merchants on these sites tend to offer much higher commission percentages or set dollar amount payouts.
Really good article with some great tips. Affiliate marketing has the potential to earn lots of money and I'm hoping I can make it happen. I have tried the matched betting and it DEFINITELY works. The one thing I would say is that you need to check that any bets have been accepted by the bookmaker. I have had on occasion bets which look like they have been accepted but don't register in my account. Always go into your account and check outstanding bets or your bet history.
Tenants sounds good, but can be a toxic problem as I recall before of one studying Religion and Ministry somewhere and claimed to be clean and laid back, but came to light by another tenant he stayed with to have a bad temper, bad attitude and never clean up his own dishes and have his stuff scattered in living room without first discussing with his roommate and always asked other roomie for rides and money as a moocher and would get pushy if his roomie refused as unable to at times.
I have practiced the same debt elimination and savings techniques for years, and do so quite aggressively, though more conservatively than one of my best friends. I am 60% there in savings and my only debt is my mortgage payment. My best friend in 23 years reached 130% of his goal to become a millionaire. He began with $3000 and was more aggressive in his investing than I have been. My point is, he made it…retired last year and is living off his retirement, social security and investments to the tune of $150,000 per year. He owns two homes, bought a boat and is traveling and enjoying his life to the fullest. My goal is to follow in his footsteps. All of this takes discipline and sacrifice, but believe me it can be done by anyone, so don’t think this is a bunch of bull…anyone can do it, but you MUST make saving a life time habit. Set short term savings goals and work hard to reach them. Once you reach a short term savings goal, set your next savings goal and continue to work hard to reach it. Then repeat, repeat, etc.

The pay is .25 per minute of talk time. Agents typically make anywhere from $7-$14 per hour. As for the hours, they are totally flexible. You can choose which shifts you want to work each week and the shifts are broken down into half hour increments giving you optimal flexibility. You can even log in and work if you are not scheduled for some impromptu cash.”
Bobby Hoyt and Mike Yanda, two world-class Facebook marketers, created this course to teach you everything you need to know to go from “I don’t know how to do any of this” to “working with clients and making a great income” in the next 28 days. Instead of piecing together an education on your own and wasting a lot of time (with possibly outdated information), this course puts everything in one place for you to learn from.

I have always subscribed to paying yourself first, keeping debt under control and living within my means. Fortunately my wife and I have always made pretty good money so it was fairly pain free to be successful. We were so fortunate to not have any breaks in our work history which is a huge factor. For those who need to dip into savings to cover a long period of work outage, it can be devastating. I’m now at retirement age, house is paid for, no debt, million++ in investments…. You don’t know good it feels to be able to sleep good at night knowing that you can deal with anything that comes up.
If you’ve ever wanted to try real estate investing but don’t want to deal with all the stress of being a landlord, you might want to consider investing with Fundrise. Fundrise is a new platform that allows you to invest directly in a real estate portfolio that a team of professionals identifies, acquires, and manages on your behalf. With a starting investment as small as $500, you get exposure to dozens of solid, value-producing assets.

Most of them have told me that if I’m interested in consulting, I have to talk to someone at Deloitte. Do you think I could pick your brain on your job and what motivated you to choose Deloitte? I’d especially love to know how you made your choices after graduating from Michigan State. [THE PHRASE “PICK YOUR BRAIN” IS ONE OF THE BEST WAYS TO ASK FOR ADVICE AND FLATTER, AND “MICHIGAN STATE” REINFORCES SHARED BOND.]
To test these websites, you’ll be asked to visit the site in question and record your reactions and thoughts as you go through it. To get started making extra money online by testing websites, sign up for some of the most popular services like UserTesting.com, Userlytics, TryMyUI, Userfeel, TestingTime (for people outside the U.S), or Side Income Jobs.
The Ibotta app gives you cash back on the groceries you already buy. Some deals are brand specific, while others give you cash just for purchasing a certain type of item, like a loaf of bread from any brand. Choose your deals before you check out, then submit a picture of your receipt and get paid via Venmo, PayPal, or gift cards. Sign up with Ibotta to claim your $10 welcome bonus.
Do you love getting refunds? How cool would it be to get money back on stuff you’ve already bought? Paribus is a service that lets you find out if stores you’ve shopped at online owe you a refund.  It’s free to sign up. Paribus connects to your email account and checks your receipts.  If they find out a retailer has dropped their price they file a price adjustment claim for you.  Try out Paribus.
Well, Thank You for allowing me to vent a little. And, I’m certainly not the only person experiencing such hardships so if you don’t object, I’m going to now “Pay this Forward” as a possible solution to others in my position and, maybe, just maybe, this will lighten the load for those of us that has carried the weight of the Universe on our shoulders for more years than we are comfortable to admit.
We're in an explosive era of growth. Thanks to the birth of the internet and our newfound global connectivity, generating a real income online, no matter where you live or what you do, has become a modern-day convenience. Gone are the doldrums of 9-to-5 employment and the necessity to head into a life-sucking corporate job. Today, the so-called "dream" revolves around the lifestyle entrepreneur, able to make money, travel the world and live life to the fullest from anywhere on the planet.
One evening, late at night, during an infomercial, his prayers were answered. He discovered a system for wholesaling real estate and that's where he spent the $1,000 to grab it, at the time, being 25% of his net worth. However, within a matter of 21 days, he was able to use what he learned in that system to make $8,200. And although he had been making over a million dollars a year just several years before, that $8,200 meant the world to him.

Just be sure to put a lot of care into your product listings. Everything from the titles you use, to how effective the description is at convincing potential buyers your product is better than the rest, and even taking care to shoot high quality product photos can have a dramatic impact on your sales. I recommend using photo editing tools like Fotor, which gives you the ability to edit your images, create captivating graphic designs and more.
Skillshare: Want to teach people things but don’t want to make them publically for free? Skillshare is a platform that allows people to create online courses to help others and if people use your course, Skillshare will pay you. Want to learn from other creators? There isn’t a better place on the internet. Skillshare comes built-in with an audience interested in learning online.
What Employees Say: “Communication is a must due to fully remote workforce so everyone makes an extra effort to communicate. We treat our employees great and in the US we have recently upgraded our benefits plans to be more family friendly. I find it is easier for me (not everyone) to stay focused while working from home. My quick breaks of throwing in a load of laundry or running the dishwasher between meetings also helps me in my work/life balance!” —Current Employee
More and more companies and startups especially are embracing remote work—where you use online collaboration and communication tools to do your work from wherever you want. And you don’t have to be a 20-something hotshot designer or coder to reap the benefits of working remotely. Many remote positions are for customer support positions or other customer-facing positions that don’t require specialized skill sets.

Ibotta: Ibotta offers a $10 welcome bonus!. Ibotta is also a cash back site and app. It is most frequently used for groceries but now offers cash back on many products. Ebates : Sign up and get a $10 welcome bonus today!  Ebates is a cash back/coupon shopping site. If you shop online through Ebates you can earn cash back on your purchases. MyPoints : Sign up and get a $10 welcome bonus today with MyPoints. MyPoints your daily rewards program is yet another cash back website that works similarly to Ebates. Swagbucks — Sign up and get a $10 welcome bonus today with Swagbucks! Swagbucks is a get-paid-to site with lots of different tasks available to earn money. You can take surveys, watch videos, search the internet, etc.
Amazon makes it fairly easy to list and sell old books, games and devices on its marketplace. You can make more than just a few bucks If you have pricey textbooks from college. Be sure the books are in good condition. You'll get negative reviews if you attempt to sell books that are falling apart or games that are scratched up. Remember, be upfront about any defects, no matter how small they might be and no matter how few people might readily notice it. 
Folks, don’t confuse simple with easy. The principle of ‘spend less than you earn’ is indeed simple. But, like many other things, it isn’t easy; our current media inundation with advertising which begs, cajoles, pleads, ridicules, and browbeats us to spend, spend, spend makes it especially difficult to exercise the self-discipline required to abide by the principle.
What are dividend stocks? They are just like regular shares of stock, but with one exception: For every share of a dividend stock that you own, you are paid a small portion of the company’s earnings. Basically, you get paid just for owning the stock! If you are looking to get started with dividend investing, check out Ally Invest (which is included on our list of best investment apps).

Now, I know what you’re thinking. Most of the software and apps you use on a regular basis are made by massive companies or established development studios. Well, yes. But many successful apps, particularly those in the Apple and Google stores, are created and marketed by individuals and small businesses. In fact, independent developers made $20 billion in the App Store in 2016 alone.


Taking online surveys to make extra money is a no-brainer. You definitely won’t get rich or make hundreds of dollars per day with survey alone, but you won’t waste much time, and you can make some money the easy way. Survey Junkie pays between $.50 and $1.25 per survey, and many of them take less than 5 minutes to complete. So if you took 10 surveys per day, every day for a month, you could make $375 per month. If you took more surveys a day… the possibilities are endless. If you wanted to sign up for Survey Junkie to make extra money you can get started here.
If you’re willing to take on some risk and have the heart of a true hustler, you can make extra money online doing commission-only sales for startups and other businesses. While you won’t be getting a regular salary, with the right sales strategies and skills as an inside sales rep, you can make decent money for each sale you bring in. And because you’ll most likely be working with startups, if you can negotiate a little equity you could profit big time if you're pitching a solid product and the startup succeeds.
Using a food delivery service can’t necessarily earn you money, but it can help you save you money if you constantly find yourself throwing out half the food you buy. Food delivery services send a box of food every week with new, sometimes unique vegetables, meat, fruit, and so on. If you don’t have time to shop and want simple meal-prep that leads to a good meal, a food subscription service may be perfect for you.
As for other tips, all I can say is “a penny saved is a penny earned”. If you are running out of ideas to make money, start saving. Some quick “low hanging fruit” tips to save some quick cash include – switch to MetroPCS or Boost for cellphone (I only pay $20/month), switch auto insurance to Insurance Panda ($25/month), and start using GasBuddy (saves me like $100/month at least. I drive a lot).
I’m a huge fan of blogging because I love writing and connecting with people all over the world. To give you an idea of what is possible with blogging, DollarSprout.com is part of a group of blogs that routinely brings in over $100,000 a month in revenue. While it takes time to build your blog up to that income level, you can get the initial set up done in under 30 minutes (no experience needed).
How many email newsletters are you bombarded with every single day? There’s a reason for that. Marketing to an actively interested group of email subscribers is one of the best ways to make money online. There have even been million-dollar businesses built from simple email newsletters like TheSkimm, or Mister Spoils. Each newsletter targets a specific type of user with interesting, daily content, while also partnering with relevant companies and affiliates to bring in extra money. If this seems daunting, it’s not. Tools like MailChimp, ConvertKit and AWeber make it easier than ever to get started with email marketing. And another great option to consider (with the largest free plan available) is SendPulse, with their ability to send up to 15,000 emails per month to 2,500 subscribers, and then affordable plans starting at under $10/month as you grow from there.
If you have a fondness and talent for taking pictures you can make extra money online by becoming a stock photographer and selling your images to a stock photo company like ShutterStock or iStockPhoto. You’ll get royalties every time someone licenses an image you’ve submitted. To really be successful, build your own photography website to be able to showcase your portfolio and start getting higher-paid private corporate work.

The path to becoming a millionaire becomes easier once you get the process started. It all starts at the beginning with small lifestyle changes. For example, making small lifestyle changes to reduce your fixed monthly expenses can go a long way toward helping you spend less than you earn. This, in turn, makes it easier to save a little money each month. Once you have a little cash saved, small emergencies are no longer emergencies and you are no longer treading water. This makes it easier to invest.


If you want to become rich by your 30s, you should be looking at wealth-building opportunities that pay off quicker than traditional long-term investments. One of the best ways to do this is to get into the entrepreneurial game and own your own business. Once you own a business, you have unlimited potential to earn, although you also assume more risk.
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