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Most people do not claim all of the allowances they are allowed to take, which is why they end up getting a large refund check each spring. If you regularly get a large refund, then it may be time for you to file a new W-4 with your human resources department. Your new W-4 should reflect the proper number of withholding allowances you are eligible to take.
Robo-advisors are diversified investment accounts that are automatically managed by a computer algorithm (as opposed to a human money manager). If you want to invest, but don’t have the money, or don’t want to invest with a money manager, robo-advisors are for you! Robo-advisors make investing easier—and cheaper—so they’re perfect for new investors.
Build your audience on a course community: If you’re just getting started building an audience for yourself and want to leverage communities already actively looking for content you can choose to host and sell your online course on a site like Skillshare or Udemy. These are easy, cost-effective ways to build an audience and test your niche to see if there’s demand for it.

Acorns works by essentially rounding up the spare change from your everyday purchases (to the nearest dollar) and then invests the difference into the stock market. If you’re clueless about how the stock market works, but still want the highest return you can possibly make on your money, this is the perfect way to start investing. You can read our full Acorns Review here.
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 Instead of piecing together an education on your own and wasting a lot of time (with possibly outdated information), this course puts everything in one place for you to learn from.
Do you search the Internet? Want to get paid for it? Swagbucks is a site that rewards you for doing various online tasks like taking surveys, watching videos, and using their search engine. When using their search engine, you get reward points after several searches, usually in the amount of 10-15 points. You can start cashing out rewards at the 500 points mark.
The app you should know about is Ibotta. This cell phone app is available for iOS or Android phones, helps you make money off your grocery receipts or if you use Uber. Whenever I use Uber, I open the Uber app through iBotta and then I get $1 back each time. I also to make money simply by scanning my receipts from grocery stores. I usually get $1 to $5 back one every grocery run. It’s free and all that is required is to scan your receipt you’ll get free money back. Download the app through this link and get $10 added instantly to your account + save $1 on every Uber ride.
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.
Buy bottled water in bulk at Costco or Sam’s Club and sell it for a dollar where there are a ton of people: parks, festivals, concerts, etc. People are crazy for bottled water and this is a little summertime gig that can bring in more money than you’d think on a hot sunny afternoon. Here’s a bonus tip: give some of your proceeds to a charity you care about or that you know will resonate with people. In doing so, you’re bottled water business isn’t all about your profit. You’re helping better our world and also provide a thirsty person some water to drink.
Great article! I’m doing direct selling at the moment and absolutely loving it! Never thought it would be something I would get into but when you have a strong desire to stay at home with your child everyday but still need to earn money you will give anything a go right 🙂 and I’m so glad I did. The work involved itself could not be easier, I run my business all from my phone. And I also love the personal development you gain from an industry like this, you learn so much about yourself more than you could from any job working for someone else in my opinion. Don’t get me wrong it is hard work, you have to put a lot in to be successful, but when you are putting all that time and effort into yourself and creating success for YOU rather than an employer / boss the results are so rewarding!! If anyone is looking into getting on board something similar I am happy to pass on some info 🙂 Bec.
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!

Storage. Depending on how big your business gets, you’ll need ample room to store the books. You can’t get lazy or disorganized about it, either. You have to keep the books in good condition, and you need to be able to find them when someone wants them. For instance, if you list a book in “like new” condition, and then the pages get smashed during storage, you’ll be in a bind if someone places an order before you realize what happened.


For example, if you register for free with Textbroker.com and submit a writing sample, you’ll receive a rating based on your content quality. Then you can choose which projects you want based on your quality rating and earn 0.7 cent to 5 cents per word, or more. FreelanceWriting.com provides a long list of freelance writing opportunities culled from several top sites. Many of the recent listings offered hourly rates of $25 or more. For $21 a month, you can join Mediabistro’s freelance marketplace to post your qualifications for review by media managers seeking writers.
Now, if you don’t know people who might want your coaching services, there are a number of online tools and communities that make it incredibly easy to find clients and teach, on just about any topic area you can think of. Community driven platforms like Savvy.is, Clarity.fm, and Coach.me provide you with a network of potential clients to interact with, as well an integrated payment solution.
Thanks for stopping by. Do you/have you ever spent time on the consulting side of things? Each time I see a very specific skill-set like this, it typically leads to some sort of suggestion that revolves around remotely helping other industry experts. Specifically, creating and hosting your own website, and then learning how to use paid media/search engine optimization to market yourself as some sort of construction consultant.
I suppose to start my freelance work right in a moment as I was really motivated by your advice, tank God I already have a job but still in school and don’t know how to combine it….Very informative article right there! I still think there are questions one needs to ask himself prior to beginning a freelance business. Freelance can be rewarding particularly if you take one step at a time from defining your go.
Please, can you let me know what your great online job is? I have been combing the internet for a legitimate job now for quite a while and I come up empty-handed most of the time. I am a fast typist (62 WPM), but have found that you need to either know how to translate or transcribe. I have a hearing problem, so sometimes it’s hard for me to understand what is being said in a recording, especially if the person talks fast. Thanks
Rather than making money through subscriptions, YouTube channels are based on a traditional advertising system. Meaning the more viewers you get, the more you make. Once you’re approved for the YouTube Partner Program and can start including ads on your videos, with every 1,000 views, you will make approximately $2-$4. Which might not seem like a lot, but if you have 100 videos with 5,000 views a month each, that would be $1,000–$2,000 already. Just imagine if your videos start hitting millions of views!

The job: Listen up, take notes and get paid. Transcribe Anywhere offers online transcription courses that teach students how to transcribe and also how to start their own freelance transcribing businesses. The online course will lead you through modules, practice dictations and quizzes. It even shows you how to create a website and how to secure clients.


Ever since the idea of online auctions came into existence, the online selling market has been on the rise. Many are interested, but don’t know how to get started. There are still all kinds of ways to make money by selling online, whether you’re selling what you already have or buying and selling like a store. Before we get started, here are a few general tips when selling anything online:
With $2 million dollars still in the bank, he thought he was invincible. Fast forward 22 months later, and with just $4,000 left in his account, the walls were closing in on him. I'm all-to familiar with that feeling of despair and anxiety, of sheer and utter pain and panic, that it really hit home for me, as I know it does for others. The truth is that it's easy to make friends when you're riding high, but when you fall from grace and everyone around you disappears, you realize the importance of things like family and health over monetary achievements.

After listening to your show, I found a lead to my first side hustle. For my wife’s program and mine, we are required to have CPR. We took our class to meet these requirements, and I talked with our instructor who passed my name to the owner letting him know I was curious about becoming an instructor. I was contacted about certifying myself to teach classes! – John S.

Earn money, spend less than you earn, save, invest, repeat the process. Embrace the Millionaire Mindset. After that, it’s just a matter of time. Even if it takes years or decades, the process really is that simple. Of course, it may not seem as easy as I laid it out here, but it really is. Remember, this is not an overnight get rich quick scheme. It takes time, planning, and a little luck along the way.

In realistic scenario you can start saving your money in your early 30s. That gives you 30 years until retirement. The average yearly return rate you can realistically achieve is around 6 %. To have a million at these assumptions, you need to save $1, 000 every month to have a million dollars at your retirement. Interestingly, if you start saving 5 years earlier, you only need to put aside $700 each month.


Blogging is also one of the cheapest ways to make money online, aside from the time and and intellectual input that you have to invest. As you begin to make money from your blogging efforts, you can easily outsource for greater scalability. I also use Bluehost and I like the fact that it seamlessly integrates or interfaces with WordPress. You can set-up a domain or subdomain in minutes and start blogging in seconds. I love it!
Buy and sell domain names. If you’re good at finding popular yet undiscovered domain names, you can make some cash on the side by buying and reselling websites. Think of it as digital real estate speculation. Domains are available on GoDaddy.com for as little as $2.99 per year, but are sometimes resold at far higher prices: According to Business Insider, the site MM.com sold for $1.2 million dollars in 2014. Once you find the perfect domain name to resell, you can market it on Flippa.com for a flat fee.

Create a killer course experience: With your course validated and in the works, you need to figure out how people will take it. Most course creators choose to host their courses from their own websites. This way, they get all the value of bringing customers back to their site on a regular basis. I host my own courses from a subdomain on my own site so I can easily add more. The course experience is incredibly important as well. And after trying most of the solutions, I highly recommend Teachable—an online platform designed specifically for courses.

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.


Also please note, I’ve tried my very hardest to confirm the accuracy of all the sources mentioned in the list. To my knowledge every single one of the jobs I’ve listed is legitimate. However, I’m only human and sometimes I make mistakes. If you feel that one of these companies should be removed, let me know. Likewise, if you’ve had an awesome experience with a company that hasn’t made it on the list let me know in the comments and I’ll add it.
I recently stumbled on the Trim app and I have to say, this one is a game changer. It’s a simple app that acts as your own personal financial manager. Once you link your bank to the app, Trim analyzes your spending, finds subscriptions you need to cancel, negotiates your Comcast bill, finds you better car insurance, and more. And of course, the app is free! My bet is that it will only take a few days for Trim to put an extra $100 in your pocket. So easy!
However, Clothier's tale is an epic one. He had succeeded almost his entire life, and from very early on. But when failure hit home and he was unable to recreate his arbitrage business on his own, the reality of the situation sunk in. With $4,000 left to his name, he happened upon an infomercial teaching real estate. It cost him $1,000 for that program, which was 25% of his net worth at the time. Petrified, he made the plunge.
For the company name CASH FLOW, LEGIT FLEX JOBS and probably more that is showing the same introductions but different speaker and company’s name. Is a scam site I can speak because I have join in March 9 ,2018 and still no paycheck that was for being an independent contractor for these company as a data entry for unclaimed funds for every worksheet comes with a $5.00 fee. In the video presentation said that 3 to 6 days we will receive a payment on our worksheet . Never did even when they notified me that they got it and are working on it. Now it is March 30.2018 nothing in the mail from LEGIT FLEX JOBS , CASH FLOW. The 50 so called LEGIT JOBS by working from home is WRONG,FALSE,LIED and a SCAM.
And while you’re at it, why not help name the business itself? Believe it or not, you can make money by submitting business name ideas. There’s a company called Squadhelp that bridges creative minds all over the world with business owners, to come up with the best name possible. PT Money hasn’t tried the the product ourselves, but apparently there’s a decent chunk of change to be made! Check out Squadhelp If you click this link and make a purchase, we earn a commission at no additional cost to you.
Revolving, high-interest debt is one of the biggest threats to your financial freedom. It can seriously drag you down, costing you thousands in unnecessary fees and interest charges — and prevent you from saving more. If you ever want to be rich, you have to ditch the bad habit of carrying credit card balances, along with the minimum payment mentality.
If you want to be a millionaire, it helps to know what you want, and then have the discipline to go after it. When you set a goal, you focus on it and pursue it. This means that you don’t get sidetracked by less important matters. If you know that you need to set $1,000 a month aside in order to meet your millionaire goal within an allotted timeframe, you focus on that. You cut expenses or, better yet, look for ways to increase your income, so that you can meet your goal. Sometimes it’s not fun, but millionaires usually stick with it.
23. Affiliates – There are many affiliate networks, such as FlexOffers and CJ Affiliate that allow you to promote other people’s products and services. You simply put a link or a banner on your page and then you get a percentage if someone clicks through and buys the product/service. You’ll want to select products that are specifically within your blog’s category.This is an effective way to earn money once you have the traffic coming to your blog.
Become financially literate: Before you start investing, you must financially educate yourself. The financial industry wants to sell you thousands of different products, on which they’re making money in the end, not you. If you don’t understand 1,000 % in what kind of a product you’re investing your money, you’re probably going to lose it. So, if you want to get rich, you must understand financial products, taxes, legal aspects and other investment issues really well.
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