Before you start regularly saving and investing money, it's usually a good idea to pay down any debts you may have accumulated. Credit card debt, student debt, and even car loans can carry heavy interest rates that drag you down, demanding monthly installments that chip away at your revenue while racking up additional interest and penalties that take away even more money from your future self. Don't let this eat away at your potential; make it a first-line priority to get rid of your debt as soon as possible.
I have a background in construction, construction management, roofing (residential and commercial), and construction expert for litigation. I have a bachelors degree in Industrial Education. I am looking for ways to start some type of online business with the knowledge listed to be able to travel when or wherever and still have an income. Any suggestions would be appreciated!
There are so many investments that it’s tough to know what a safe and reliable on is.  Personally, I recommend index funds for this.  An index fund invests in many of the largest 500 companies in America.  Over the last 100 years, and the last 20 years, and the last 10 years, you’re very likely to see a return of about 9 or 10% after fees.  These are much safer investments than buying stock in an individual company.

If you’re a fitness buff and have the right combination of charisma and business sense, working as a part-time online personal trainer can be both physically and financially rewarding. Once you build up a reputation and client base for yourself, it could easily turn into a full-time endeavor for you. Check out this interview with several fitness blog owners who are making a living online, from MonetizePros. As well, I'd recommend checking out this resource if you want to take this business idea seriously and get started with a business plan for your personal fitness trainer business today.
The first follows the startup path we outlined above: You have a disruptive idea for an app or piece of software, you validate the idea with real customers, and then raise money to hire developers or a development studio to build, launch, and scale your software. If you’ve done everything right, your software will be accepted to the Apple and Google Stores and you’ll make money every time someone downloads it or pays for a premium feature.
Anthony Robbins often says that success is the product of one of two scenarios: inspiration or desperation. There's massive credence to that statement. Clothier was desperate. He had no choice. He wasn't willing to settle for a life of mediocrity, so he figured it out and marched forward, applying persistent action every single day, getting better and better.

Are you skilled at a few special recipes or are your friends going crazy over your cakes? You know who you are. It might be time to take your talents to the making some extra money. People love to buy homemade goods, especially when you have a signature item or a story behind it. You can contract your items out for parties, meetings, etc. Or, consider holiday sales for local Christmas parties, birthdays and more.
What It Is: Transcription essentially involves you listening to audio files and typing out what you hear. Easy enough, right? Companies usually hire transcriptionists without much experience, so some job postings might only require you to have a computer and keyboard to get started. Transcription jobs can vary from transcribing a college lecture to a doctor's medical dictation, while most companies allow you to make your own schedule.

Leapforce is always looking for people for this work at home role. Their Search Engine Evaluators “conduct research, evaluation, and feedback on search engine results by measuring the relevance and usefulness of web pages in correlation to predefined queries, by providing a comparative analysis of sets of search engine results and various other techniques.”
What Employees Say: “VIPKID pays between $14-22 an hour, plus more in incentives some months. Most kids are fun and well behaved. You create your own schedule and work as little or much as you want. The materials are already provided, you just have to review them beforehand and plan out how you want to teach the materials and which props you want to use.” —Current ESL Teacher

Try flipping houses if you have experience with making home repairs. As you may know from watching popular home improvement shows, flipping homes involves buying up a lower valued property that needs work, and then fixing it up for resell. To get started, you’ll need to have financing either through a bank a partner. Then, you can buy a property that’s priced below market value. After you renovate the property, you may be able to sell it for a profit.[10]
Even though risk-taking is a generally rewarding strategy in your 20s and 30s, it's also a good idea to diversify your efforts. Don't build up just one skill set, or one set of professional connections. Don't rely on one type of investment, and don't gamble all your savings on one venture. Instead, try to set up multiple income streams, generate several backup plans for your goals and businesses, and hedge your bets by looking for new opportunities everywhere. This will protect you from catastrophic losses, and increase your chances of striking it big in one of your ventures.

Can someone help. I need a job or at least a hobbie to do at home, i need to make $400 in about 2 weeks. I’m 15 so i can’t work yet. If anyone has any suggestions please e-mail me! ooh & btw i can’t mow any lawns cause everyone who lives close by dosn’t have any lawn at all. So if there is any suggestions whatsoever please feel free to e-mail me. thanks!
If you’ve got experience and expertise in a specific area of business, there are hundreds if not thousands of business owners who would love to jump on a phone call and pick your brain. This can be an easy way to make extra money online and to hone your skills to use in your consulting or freelance business. Sites like Clarity.fm let you create a profile where entrepreneurs and business owners can pre-pay to book a phone call with you for a set amount of time. Whether you’re an expert in raising money for startups, building apps, or running a restaurant, you can make extra money selling a few minutes of your time to people in need.
The HOME Income Limits are calculated using the same methodology that HUD uses for calculating the income limits for the Section 8 program, in accordance with Section 3(b)(2) of the U.S. Housing Act of 1937, as amended. These limits are based on HUD estimates of median family income, with adjustments based on family size.  Please note that the 30 percent income limits for the HOME program have been calculated based on the definition of Extremely Low–Income Family (ELI) as described in Consolidated Submission for CPD Programs section of 24 CFR part 91.5. Therefore, the ELI Limit is calculated as 30 percent of median family income for the area and may not be the same as the Section 8 ELI Limit for your jurisdiction. The Section 8 Limit is calculated based on the definition of ELI as described in The 2014 Consolidated Appropriations Act, (Section 238 on page 128 Stat 635) which defines ELI as very low–income families whose incomes do not exceed the higher of the Federal poverty level or 30% of area median income.

Did you ever see the movie Stripes? It’s an 80’s classic and one of those timeless comedies with Bill Murray. Click here to see Harold Ramis teaching his English class the Do Do Run Run by Shaun Cassidy. To get started teaching English as a second language to adults, go through your local schools and colleges to find classes where teachers of English are needed.
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.
The hardest part about saving money is actually transferring the funds out of your checking account and into a savings or emergency fund. No one wants to see their savings account drop without an immediate benefit! But with Rize, you can automate saving so you never have to think about it. Just set a savings goal and a date, and Rize will do the rest.
Domain name trading has been around for the last couple decades, and while most slam-dunk names have long been sold off, there’s still plenty of others that you can get your hands on for relatively cheap and broker as a way to make money online. Before you dive in, however, beware that some experts doubt the long-term viability of this idea for making money online. However, there’s always the chance you might just land on a lucrative domain name for a future billion-dollar company. To get you started, here are some tips from GoDaddy, arguably the world’s largest and most famous repository of domain names.
Try flipping houses if you have experience with making home repairs. As you may know from watching popular home improvement shows, flipping homes involves buying up a lower valued property that needs work, and then fixing it up for resell. To get started, you’ll need to have financing either through a bank a partner. Then, you can buy a property that’s priced below market value. After you renovate the property, you may be able to sell it for a profit.[10]
It's really easy to look at certain strategies and techniques in business or in life that will help you make monumental leaps forward, financially speaking. But that doesn't take into account one of the most important ingredients for success. If you're serious about succeeding at the highest level, be grateful. Not tomorrow. Not in a few weeks when you get a raise. Right now. In this very moment. Why? Because it could all disappear in an instant. Appreciate what you have while striving for more.
This can include advertising, but many businesses also need help just filling up their social media profiles with relevant (and consistent) content. If you enjoy learning about social media and want to take things a step further and make extra money, social media management is a great option. If you’re good at it, it can also open up a lot of doors for you down the road. This is a great article from Small Biz Trends on How to Start Your Own Social Media Business.

I was taught at a young age, never ever ever pay anyone to start a job, then when internet and all came about, my mom added and never pay anyone on internet for a job. Jobs don’t cost money when they are legit period. We as grown adults every where should know this, your online already do your research first, time saves you money, being impulsive spends your money. None of this is to sound mean, it to out this in your head, it is so you will put this out there for others. Let’s get this stopped, by warning others and getting young people smart about this now, like I was, I have never been scammed by these jobs, b/c I was taught young, but were never to old to learn, we learn something new every day right, right!


I want to start an affiliate marketing blog and also sell some of my career expertise such as career coaching and helping people with resumes and cover letters. I want to start a blog through your blue host link but I have some questions first. How do I create appropriate affiliate disclosures? What is the privacy policy that meets GDPR guidelines? (what does GDPR stand for?) Are there any more regulatory guidelines I need to know about? Also, what are some of the best affiliate sites to apply to? The only one I know about is Amazon.


Earnest (refinance your student loans): Same idea as above but on your student loans. There is $1.4 trillion in student loan debt outstanding. When you have student loan debt, it can make it hard to get ahead, invest, or to buy a home. If this sounds familiar, refinancing the debt can not only help you pay it off more quickly, but it can save you money on interest too.
Current positions available include business sales representatives, customer service representatives, and bilingual customer service representatives. Positions are available in the US and Canada. You'll be provided with proprietary technology that enables you to securely access applications, so you will be able to support and assist customers with a variety of services and technical needs. You must be at least 17 years of age, have a high school diploma or general equivalency diploma, and have wire connected Internet access.
Become a virtual assistant. Virtual assistants perform a wide range of services for their clients, all of which can be completed online. Depending on the day, they may open and reply to emails, schedule online work or blog posts, write mock-up letters and proposals, or perform data entry. You can look for virtual assistant jobs on sites like UpWork.com and Problogger.net.
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.

In our local neighborhood, we’ve seen this service hired out to place signs in people’s yards for announcements or funny pranks. Ha! If you’re out and about on a Sunday you’ll see plenty of people putting put signs for open houses. You’ll probably have a great opportunity for this extra money idea if you can locate a neighborhood where lots of real estate agents or putting out there own signs. Wouldn’t an agent rather be prepping the house for sale or doing marketing activities than placing a sign at a busy intersection? You bet and that’s why outsourcing to you could work!


5. Fiverr – Fiverr is a great place to make a few bucks or spend a few bucks if you need some of the services people offer. Basically, everything is $5. You either pay $5 or charge $5. They call them “gigs.” You can offer your services however you choose. If you sell art and you’re fine selling pieces for $5 each, that’s a gig. If you’re a graphic designer and you want to offer your services for $10/hour, simply offer a 30 minute gig. If they need two hours of graphic design, they pay you $20, or $10/hour by buying four gigs.
This website likes to follow the tactic of promoting a fake online newspaper so readers feel that the content and story is legitimate. In fact they go as far as implementing an IP address tracking script so they can taylor the story to your location so it seems the article is pertaining to someone who lives near you. This is supposed to give you a sense of authenticity when the program could just be looking for a quick sale. In fact, most of the time you can track down the IP address of systems like this one and see that it is coming from somewhere in China!!
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.

Hold a yard sale. If you have a yard or garage and plenty of items to sell, you can have a yard sale as early as tomorrow. By advertising your sale on local Facebook pages and Craigslist, you can also skip the paid newspaper ad and keep all of the profits for yourself. If you don’t have time to price everything, try asking patrons to “make an offer” or grouping similar items on tables with an advertised price (e.g. everything on this table is $5).
While this isn’t exactly a long-term solution for making money (since you have to pay it back), it is a reliable way to get some extra cash when you’re in a pinch. It’s also a great way to make money by saving money if you use a personal loan to pay off high-interest debt, such as credit cards. Since getting a loan is one of the easiest ways to make extra money, we felt we had to include it.
Whether it’s an important consumer application, a specialist app to solve a particular niche problem, or even a time-wasting game you can play on your phone, you can create a massively successful business if you build software that helps people. (Look at the rise of Slack—the team communication software that went from side project to billion-dollar company in just 2 years.)
 @Philip Taylor I was merely using medical science as an example profession. It’s quite obvious that you don’t have any professional courtesy and downplay professions in which you don’t understand. Logo design isn’t just logo design. I don’t know what the profession of a public accountant entails, or a lawyer perhaps, so I’m not going to give advice on matters that I don’t especially have knowledge in.

J.W., this question is too broad for me to answer in a way that will be likely to have a positive impact for you. In short, there are many places to earn money – it really depends on your goals, interests, skills, talents, availability, and other factors. IF you are stuck and don’t know where to start, please consider contacting a job placement agency, or your county employment agency or workforce center. They can help you with the process of creating a resume and trying to find work. Best of luck.


Choose your niche and check for demand: The golden course combination is when you can find an in-demand niche that aligns with your skills and unique experiences. A great way to do this is to use Google Trends and Google’s Keyword Planner to look for average monthly search volume for keywords related to your proposed course content. Are people actively looking for high-quality information about this subject? Of course, if you’re already creating content for a blog, coaching service, or a site like Medium, you can test demand this way for free just like Bryan did.
Shipping. You will only have a few days to ship a book after it sells, and even less time if you agree to include two-day or overnight shipping as part of your options. And since you’ll want to save as much as you can on the shipping, you’ll have to devise a plan. Many people set aside specific days for shipping – say 3 days a week – and then make one big trip to the post office. As long as there isn’t anything else in the package, you can send books via media mail, which is the least expensive option. Finally, your books will need to be packaged in a way that they won’t get damaged in transit.
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Swell Investing helps you make your money grow by building your own mix of high-growth, impact companies across Swell’s offerings. Best for hands-off investors and those who have fewer funds for investment since you can have an investment opportunity with a minimum investment of only $50. They also allow you to invest in high-growth companies committed to solving global challenges. “Swell is built on a belief that today’s biggest challenges will result in tomorrow’s leading industries,” its website says.
Start a photography business and sell your photos online. If you have a nice DSLR camera and take good photos, do photography sessions or take photos of events, like parties and weddings. As another option, create fine art photos that people may want to hang on their walls, or take stock photos to sell online on sites like iStock Photo, Shutterstock, or Alamy.[12]
I’d love for you to come visit my site and maybe share some of your thoughts. I love exploring the mindset structure behind manifesting millions and always invite others to do it with me. My goal is to help inspire people to breakthrough to brilliant living – whatever that is to them by defining, refining, and acting on designing the ideal lifestyle.
Once you are all set up, Live Ops has an excellent online training program that teaches you how to handle calls from customers. You will be taking calls for many different companies. When you start working, your phone will ring and a script will pop up on your screen. You simply read the script word for word and input customer information as you go along. If customers have questions, there is a section on your screen with FAQ’s and you are also logged into a virtual chat room should you need to ask for support from a supervisor.

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Getting wealthy or attaining a certain level of income is just like achieving any other goal. To get there, you need to ensure that you set those goals the right way. Set SMART goals and be very specific about them. Don't set them arbitrarily in your mind. Write them down and come up with powerful reasons why you absolutely must achieve them. That's one of the biggest and most potent internal transformations that you could make in your mind.
The service offers English as a second language to children in China, up to age eight. Teachers are English speakers who provide one-on-one courses based on the US Common Core State Standards. And as a teacher, you'll receive ongoing paid training as well as professional development opportunities. You'll be able to work from home, and choose your own schedule.
Find a profitable niche: We’ve talked about this a lot. But, where are you most comfortable. What niche do your skills, values, and interests intersect? Do you have 10 years of experience as a technical writer? Do you have long-standing PR relationships that’ll be invaluable in helping startups launch a successful crowdfunding campaign? Determine what makes your value unique, and lean heavily on showcasing that strength to your potential clients.
I am unemployed (60 years old) and am considering trying to work from home full-time (currently living with my sister/mother/and younger sister). My mother and sister currently pay for all the bills. I have a computer with no mic and am searching for opportunities to make money from home (around $35,000-$40,000/year salary would be ideal). Any suggestions?
Babysitting isn’t just for teens. Everyone from college students to recent retirees can make money watching other people’s children. Word-of-mouth referrals from friends and family are still a great way to get started, but you can also create a profile on Care.com or Sittercity to expand your reach. Note any specialized skills, such as CPR certifications or experience with special needs children, to make yourself more marketable.

As a driver with DoorDash, you get a notification when a delivery is ready in your area. It’s up to you to go pick it up or not. If you choose to pick up the food, the DoorDash app will provide you with specific instructions on where to go, how to get there, customer’s name, etc. DoorDash pays a minimum of $10/hour but say drivers earn $25/hour on average. Maybe this could be your new side hustle?
Word! Just because you aren’t a professional doesn’t mean you can’t have a good amount of talent in a subject. If you can provide quality services to people who can’t or don’t want to pay high professional prices, then go for it! That’s the free market right there. You have just as much right to try and make money for yourself and your family from your talents as professionals do.

Open an Etsy store. If you have a creative talent or skill – whether it’s creating art, sewing clothes, or making keepsakes – you can open an online store on Etsy.com and sell your wares for some quick cash. With your own Etsy store, you’re left in charge of pricing and, ultimately, how much you make. See our detailed primer, “How to Make Money on Etsy.”
Run virtual errands. If you have a computer with Internet connection and are good at searching the Web and communicating with others, you can become a virtual personal assistant with Fancy Hands. The service hires assistants, who set their own hours, to help its users tackle tasks such as making calls to service providers, scheduling appointments, and finding the best prices for services and products. You get paid per task, starting at between $3 and $7.
 @LauraGesicki I disagree Laura. Technology can only let an individual go so far with design. It all starts with the thought process and possessing the “designer eye.” This “eye” cannot be taught, but is rather a natural talent and ability to recognize good design from bad. Technology is merely a tool to display our ideas. Nothing beats natural talent and creativity.
Experience. Whatever area you want to work in as a consultant, you must be able to show clients that you’re qualified to advise them. If there are organizations related to your field, make sure that you’re a member of them. Similarly, if you can take a course and become certified or registered in your field, do it and then add that to your credentials.

To help you weed through all the sites out there, we’ve actually written an article all about survey sites to teach you the ins and outs and give you several sites to get started with.  We’ve actually vetted these sites and know that they’re the good ones.  So if that’s something that interests you, I encourage you to read this article and get started making some extra cash today with no startup cost.
But don't make the mistake of thinking this will be a passive source of income—you're on call whenever you have a guest and you'll always need to keep the place clean for incoming visitors. On top of just renting on Airbnb, consider offering your guests paid add-ons, like Lauren Gheysens', Royal Day Out in London, England—where she gives visitors a local's only tour of the city, complete with bespoke 18th century costumes.

Websites such as Upwork, Fiverr and Freelancer offer opportunities to do a variety of freelance jobs, such as writing, programming, design, marketing, data entry and being a virtual assistant. Fluent in a second language? Check sites such as Gengo or One Hour Translation, or drum up business through a site of your own. No matter what kind of freelancing you do, keep track of the going rate for the kind of work you provide so you know if you’re charging too much or too little. Learn how to get started on Upwork.
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.
Writing eBooks is an excellent strategy for people who are skilled writers and feel like they could do enough research to learn what is necessary to write a book on some topic.  I wrote my first eBook about photography.  I wasn’t a pro, but I really liked photography and thought I could at least share what I’d learned so far.  It did so well that it is what motivated me to start a blog and work online.
More money is not going to solve your problem. Money is a magnifying glass; it will accelerate and bring to light your true habits. If you are not capable of handling a job paying $18,000 a year, the worst possible thing that could happen to you is for you to earn six figures. It would destroy you. I have met too many people earning $100,000 a year who are living from paycheck to paycheck and don't understand why it is happening. The problem isn't the size of their checkbook, it is the way in which they were taught to use money.
I am looking for a legitimate work from home job. I am currently working in a call center 10 hrs a day, 4 days a week, and I’m getting burned out. I never see my kids or husband as he drives a truck and is usually asleep when I get home. I have always wanted to be a housewife but I feel as though this call center job is keeping me from that. My husband and I also want to start our own business as well. Any advice?
Hello Philip–good list but  most of the activities are so cliche and yet more creativity could be better employed here…this would make me work more hours for a little more pay and still keep me in the debt circle for so long. it would require me to worker harder so that i can make more money and yet am at the point where i want my money make more money with me getting less actively/ physically involved. Some call it ‘Working Smart’ unlike traditional options that have often helped many to stay afloat without helping them soar to financial growth and prosperity. Thanks though
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