5 Ways Things in Your Home Can Help Bring Extra Money 

By selling unused items online, you may easily make extra money and generate extra room in your house. You could use websites like eBay and Facebook marketplace to sell old furniture, gadgets, and apparel. Host a yard sale to reach out to local buyers. You may provide shorter renting alternatives using applications like Fat Llama for tools or equipment, offer places on Airbnb, or share parking spaces with websites like JustPark or Parkmobile. Take a look at renting out storage space from your house and more inventive ways to earn income from your belongings. These are wonderful ways to earn additional income while clearing up space or even using spare assets.

Consider Selling Unused Items Online 

Your house may become a side business by selling excess goods. Look around you; there can be furniture, gadgets, or clothes that are simply accumulating dust. Selling these things online at sites like eBay or Craigslist might quickly put cash in your wallet. You’ll connect with buyers quickly and easily by using your neighborhood with Facebook Marketplace. You can also sell a toy collection or old books your kids have outgrown. Many people are willing to pay for gently used items, especially vintage toys or rare books. If you have a lot to sell, then a garage sale can attract many people at once. Make sure to take bright pictures and compose clear descriptions to catch buyers’ attention. You could create additional revenue and create extra room in your house by selling goods online or at a sale.

Borrowing with Rental Apps 

By renting out your equipment, you could turn your house into a temporary income source. Individuals are looking for what you have, whether it’s a power tool or camping gear. Use sites like Fat Llama to connect with renters nearby. Make sure your things are in excellent shape and price them reasonably so they will rent fast. Be prepared to meet the renters at your location or make arrangements for delivery if you wish to earn more money. Renting is a simple method to earn extra income without much effort, just by sharing what you don’t often use. This turns spare things into profit assets swiftly and easily.

List Extra Space on Airbnb 

Do you have a guest room or an unused area? List it on Airbnb. Countless travelers seek affordable housing. Your spare room may quickly generate substantial income. To attract more customers, describe your space accurately and utilize high-quality images. Make sure you’re ready to welcome visitors by keeping the space tidy and well-equipped. Respond swiftly to inquiries to improve your standing. Along with generating income, this offers a great opportunity to meet new people. Renting out your extra room is one easy approach to transform your property into a side business and quickly get some more income.

Turn Your Garage into Income  

Transforming your garage into a source of income by renting it out is clever. Many folks require storage, and your garage might just be their solution. Use platforms like StoreAtMyHouse or JustPark to easily list your garage space. Ensure the area is clean and secure if you want to attract renters quickly. Think about charging a bit lower price first to fill the space up fast. Renting out your garage is an easy way to make extra cash every month without the effort of keeping an extra room ready for guests or dealing with daily tenants quickly and simply.

Monetize Your Parking Space  

Do you have a parking space that is rarely used? It could be a way to generate income. Rent it out, particularly if you reside in a crowded area where finding parking is tough. Use apps like SpotHero or Parkmobile to connect with those in need of parking quickly. Ensure your location is secure and unmistakable if you want to draw in renters fast. Offer short-term rentals for quick profit or charge daily for more income flexibility. It is an easy approach to earning extra money every month; simply monetizing your parking space frees up income without any hassle and regular need for rental customers looking for parking.

Conclusion  

The methods above offer you the opportunity to earn side income from home by creatively renting or selling anything using today’s internet platforms. Renting out rooms or garages can quickly turn your home into a side business by utilizing unused space and connecting with renters easily. Whether you’re selling items online or listing spaces on Airbnb, earning additional income becomes simple with these practical approaches. This extra cash can help cover bills, save for something special, or fund hobbies—without the hassle of regular commitments. Simply make the most of your space and belongings to start profiting from home!

About The Author

Rayanne Morriss is currently working towards her BA from Oregon State University. She loves to write, read, travel, and paint. She enjoys finding new coffee shops with friends and expanding her cooking skills with her husband.

 



4 Popular Ways for Couples to Make Money in Their Spare Time

If you and your partner are always on the lookout for fun ways to hang out and maybe score some extra cash on the side, you’re not alone. Turning shared interests into side gigs can be a real game-changer, boosting both your bank balance and your bond. 

If you’ve ever toyed with the idea of transforming your relationship into a money-making duo, you’re in good company. Loads of couples have found clever and enjoyable ways to rake in some dough during their downtime. Whether you’re keen to cash in on your creative streak, put your tech skills to work, or just fancy a fun gig you can tackle together, there are plenty of paths to explore. 

Let’s dive into four popular ways you and your partner can make money while spending quality time together. With a bit of hustle and creativity, you’ll be rolling in the rewards of extra bonding and extra bucks in no time.

Get Cozy on OnlyFans

So, you and your partner are comfortable showing off a bit? OnlyFans might just be your ticket to Cash Town. This platform has blown up, letting individuals and couples share exclusive content with subscribers. Here’s how to get started:

  • Set Up Shop: Grab a joint account on OnlyFans and craft a profile that showcases your relationship. Keep it flirty, but maybe save the X-rated stuff for subscribers only.
  • Content and Cash: Talk about what kind of content you’re both cool with. From cute selfies to steamier shots, the choice is yours. Start with reasonable subscription prices, like $5 to $10 a month, and ramp up as your fan base grows.
  • Engage, Engage, Engage: Keep your fans hooked by responding to comments, running polls, and giving sneak peeks of your latest content. Treat your subscribers like VIPs to keep them coming back for more.
  • Teamwork Makes the Dream Work: Brainstorming content ideas together and seeing the positive reactions from your fans can deepen your connection as a couple. Think of your OnlyFans adventure as a chance to spice up your relationship while making some cash on the side. Win-win!

Also, learn from some of the Only Fans creators and discover how they are making money online through their content.

Start an Online Hustle

Do you have big dreams of building something from scratch? Starting an online business with your partner could be just the ticket. It’s perfect for couples who are short on time but big on ambition. Here’s how to make it happen:

  • Find Your Niche: Figure out what you’re both good at and what you love doing together. Whether it’s baking, speaking a foreign language, or DIY home decor, find something you’re both passionate about.
  • Put Your Skills to Work: Play to each other’s strengths. If one of you is a tech whiz and the other’s got an eye for design, split up the tasks and conquer together.
  • Stay Consistent: Life’s busy, we get it. But to make your side hustle a success, you’ve got to put in the work. Set aside regular time each week to focus on your business, even if it’s just a few hours here and there. Together, you can make it happen!

Remember, the key to rocking an online business as a couple is teamwork. Use each other’s strengths, stay accountable, and carve out time to nurture your budding empire. With dedication and a solid game plan, you’ll be raking in the cash in no time.

Dabble in Real Estate

If you’re feeling a bit more adventurous, why not dip your toes into the world of real estate? It’s not just for property moguls—you and your partner can get in on the action, too. Here are a few ways to get started:

  • Rent Out Properties: Buy a duplex, apartment, or single-family home and rent it out to bring in some steady cash flow. It takes a bit of legwork to find good tenants, but the payoff can be well worth it.
  • Flip Houses: Fancy yourselves as the next Chip and Joanna Gaines? Buy a fixer-upper, spruce it up, and sell it for a profit. It’s a bit riskier, but the rewards can be huge if you play your cards right.
  • Invest in REITs: Want a more hands-off approach? Invest in real estate investment trusts (REITs) and let the experts handle the hard work. You can buy and sell shares on the stock market, making it a flexible option for busy couples.

No matter which route you choose, real estate can be a great way for couples to build wealth together. With a bit of know-how and some smart investing, you could be well on your way to financial freedom.

Start a Blog or YouTube Channel

If you’ve got a passion you love sharing with others, why not turn it into a money-making venture? Starting a blog or YouTube channel as a couple can be a fun and flexible way to earn some extra cash. Here’s how to get started:

  • Pick Your Passion: Whether it’s cooking, travel, or personal finance, choose a topic you’re both passionate about. That way, creating content will feel less like work and more like fun.
  • Monetize Your Content: As your audience grows, you can start making money through affiliate links, sponsored content, and ads. Engage with your viewers and build a community to keep them coming back for more.
  • Stay Consistent: Building a successful channel or blog takes time and effort. Commit to posting high-quality content regularly, and don’t be afraid to experiment and try new things.

Sure, it might take a while to start seeing real money rolling in, but with perseverance and a bit of luck, you could turn your blog or channel into a full-time gig.

Unlocking Shared Success and Joy Through Creative Ventures

So there you have it—four awesome ways for couples to make some extra cash while spending quality time together. Whether you’re snapping selfies for OnlyFans, flipping houses, or starting a blog, the key is finding something you both enjoy and can do together. So why not give it a shot? Who knows, you might just discover a whole new passion—or pad your bank account in the process. Happy hustling!



5 Tips to Help You Budget More Effectively

So, you’re on the hunt for ways to stretch your hard-earned cash a bit further and wrangle those finances into shape. But let’s face it, the idea of budgeting can feel about as exciting as watching paint dry. I mean, who enjoys playing detective with every dollar that comes in and out, putting expenses under a microscope, and putting the brakes on spending? Not many, I’d wager. 

But fear not! Budgeting doesn’t have to be a soul-crushing chore. With a few tweaks to your approach and mindset, you can take the reins on your money in a way that feels liberating rather than suffocating. So, buckle up as we dive into five easy-peasy tips to help you become a budgeting maestro.

Know Your Money Flow

Alright, let’s kick things off with a little reconnaissance mission into the realm of your income and expenses. Get cozy with your bank statements and tally up all the cash coming in from your job, side hustles, or any other gig that’s filling up your pockets. Then, make a list of your regular expenses like rent, utilities, groceries, and those pesky subscriptions that seem to breed like rabbits.

Next up, play detective and suss out where you’re hemorrhaging cash. Are there areas where you can tighten the belt a bit like cutting back on those lavish dinners out or reining in your impulse buys? Even small changes can add up over time, my friend. As you comb through your expenses, ask yourself the golden question: is this a “need” or just a “want”? Channel your inner Marie Kondo and declutter those unnecessary costs.

To keep that cash flowing, think about checking out some side gigs in your downtime. It doesn’t have to be a big deal, but having an extra income stream can help with your money goals. For instance, you can look at things such as social media content creation. Some Only Fans  creators are making serious bank to boost their earnings. Keep an eye out for cool ideas and fresh cash-making opportunities outside the norm.

Once you’ve got a handle on your money comings and goings, you’ll have a clearer picture of what you’re working with each month. Sure, it might not be a pot of gold at the end of the rainbow, but at least now you know where you stand. 

Dream Big (But Keep It Real)

Alright, time to set sail on the good ship Goal Setting. But hold your horses, Captain – before you chart a course for that private island in the Caribbean, let’s dial it back a notch. It’s all about keeping those financial goals grounded in reality, my friend.

Take stock of your current financial situation – how much debt are you juggling? What are your monthly expenses looking like? Once you’ve got the lay of the land, start plotting out some tangible goals to chip away at over time. Maybe it’s knocking out one credit card balance a year or beefing up your retirement contributions bit by bit.

The key here is to celebrate the small wins along the way. Each mini-victory fuels the fire and propels you toward those bigger, bolder goals. So, don’t get bogged down by the distance between where you are and where you want to be. Focus on what you can tackle today and let tomorrow take care of itself. It’s all about that forward momentum, baby. So, what are you waiting for? Time to hoist those sails and set sail for financial freedom!

Craft Your Budget Battle Plan

Alright, soldier, time to whip those finances into shape with a solid battle plan. Start by sizing up your income and expenses, so you know exactly where your hard-earned dough is disappearing each month. Identify any expenses that are ripe for trimming, whether it’s those daily lattes or the never-ending stream of online shopping sprees.

Next up, set some financial goals and prioritize them like a champ. Divvy up your funds accordingly, making sure to leave room for a few guilty pleasures here and there. After all, life’s too short to skimp on the occasional indulgence. Keep tabs on your progress, and be prepared to tweak your plan as needed along the way.

And hey, if you’re feeling a bit lost in the financial wilderness, don’t hesitate to call in reinforcements. Meeting with a financial guru can provide some much-needed guidance and accountability to keep you on track. 

Remember, a budget isn’t a one-and-done deal – it’s a living, breathing document that needs regular check-ups and adjustments. But fear not; with a little practice, budgeting will soon become second nature. So, suit up and get ready to conquer those financial goals like a boss!

 

Save Like You Mean It

Ah, saving money – the ultimate test of willpower. But fear not, my friend, for I come bearing tips to help you conquer this formidable foe. First up, automate your savings like a pro. Set up regular transfers from your checking to your savings account, even if it’s just a modest sum. Trust me, those pennies add up quicker than you’d think.

Consider opening a high-yield savings account to give your money a little extra oomph. Many online banks offer juicy interest rates that leave traditional banks in the dust. And hey, while you’re at it, hunt down an account with no sneaky fees or minimum balance requirements. Every little bit counts when you’re building your nest egg.

If your employer offers direct deposit, consider divvying up your paycheck so a portion goes straight into your savings. That way, you’re stashing cash before you even have a chance to miss it. Out of sight, out of mind, right? Just keep chipping away at those savings goals, my friend. Rome wasn’t built in a day, but with a little patience and perseverance, you’ll get there in no time.

Keep Tabs and Adjust as Needed

Alright, you’ve crafted your budget battle plan, and you’re ready to rock. But here’s the thing – the work doesn’t stop there. You’ve gotta keep a close eye on your spending versus your budgeted amounts each month. Track your expenses like a hawk for at least a few months to make sure your estimates are on the money.

Be prepared to pivot and make adjustments along the way. If you find yourself blowing past your budget in certain areas, don’t panic. Simply look for expenses to trim or nix altogether. And hey, if you find yourself with a bit of wiggle room in your budget, consider beefing up your savings or paying down debt.

Regularly reviewing and tweaking your budget is key to staying on track with your financial goals. Without it, you’re just flying blind. So, make it a habit to check in on your budget each month and make any necessary tweaks. Your future self will thank you for it.

Charting Your Path to Financial Success

So there you have it, my friend – budgeting doesn’t have to be a soul-sucking slog. With a few simple tweaks to your approach and mindset, you can take control of your finances and start working toward those big, juicy goals. Remember, it’s all about balance and finding what works for you. So, go forth and conquer those financial dragons like the badass budgeting warrior you are!



Saving up on Hospital Bills: How To Do It

Our health is the most essential thing in our life. Staying and keeping healthy is a must. It’s how we protect ourselves from health issues later in life. However, the cost of around the globe is getting expensive every day. Countries like the United States, Germany, Sweden, Canada, the United Kingdom, Italy, South Korea, and many more have some of the most expensive healthcare. 

If you’re in one of these countries or trying to save on hospital bills, continue reading, as this page talks about how you can save up on hospital bills by still getting the care you need. 

Try To Save Up on Medicine Costs

Medicine is undoubtedly expensive, and this is due to the drug patents that pharmaceutical companies hold, manufacturing shortages, supply issues, and many more. Thankfully, there are methods to cut back on the cost of medicine. 

You can communicate with your healthcare provider and ask if you can switch to generic medicine. Did you know that generic medicine costs less than branded medicines because they don’t have to repeal animal and clinical (human) studies required for brand-name medicines? It’s to demonstrate the safety and effectiveness of a medicine. 

These two medicines, brand-name, and generic medicine share the same active ingredient. The only difference besides the studies is the colors and flavorings, which don’t affect safety, effectiveness, or performance. 

Furthermore, you may also ask for a more affordable alternative to the medicine. Of course, ask if it can treat the same condition. You can also utilize coupons and discounts using an rx discount card from BuzzRx. When buying your prescription medicine, you can use this card to lessen the cost of medicine. Don’t fret since this card is acceptable in most local pharmacies; just be sure to check. 

Lastly, the most important thing is to take all your medications as directed by your physician. When you don’t take your medicine, it can lead to numerous health problems that would cost you more money. 

Make Plans

Planning is one of the most effective ways to save on hospital costs and how to handle sudden and emergency care. Research the nearest urgent care provider near you so you don’t have to visit the emergency department. Knowing where to get urgent care enables you to get the care you or your family need.

Inquire About Outpatient Facilities

Do you need to get surgery or a procedure? If so, it would be better if you ask if you can get it done at an outpatient clinic since it tends to be more affordable than having the same procedure at a hospital. It’s because these families utilize less of the hospital’s resources

Take Care of Your Health

One of the most straightforward ways to save on hospital costs is by preventing a disease or sickness by staying healthy. Indeed, it’s easier said than done. However, it would help if you tried to stay on top of your health. You can do this by staying at a healthy weight, avoiding vices, getting regular exercise, and eating healthy. Eating healthy and getting physical can help you avoid costly tests for diabetes or heart disease.

Pay in Cash

Some hospitals or doctors’ offices will give you discounts if you pay in case. It’s because it can eliminate the office’s need to file for insurance claims and transaction fees. You should do so if you have the means to pay in cash. Of course, be sure to ask the office if they offer this service before doing so. 

Review Bills for Errors

As we all know, healthcare can be expensive, depending on where you’re located. Still, many worry about their hospital bills and the amount they must pay. There are instances where the hospital ‘receipt’ won’t have every medicine and service you paid for. 

Also, the EOB statement or the explanations of benefits statement from your insurance that describes that it would cover your medical care or products you received at the hospital won’t have a detailed breakdown of the costs charged to you at the hospital, whether it’s for their services or inpatient stay. 

You must ask for an itemized bill since you may not see all the costs charged. As you’ve guessed, an item is a breakdown of all charges. Getting this would enable you to review the bill for any errors. 

Look through your itemized bill and check if you received all the medications, services, and other items stated on your bill. When you notice an error or any discrepancies, you can request copies of your medical chart or pharmacy ledger to compare the bill from your doctor’s orders as stated in your chart. 

Final Thoughts

We usually panic when a sudden expenditure comes, especially regarding our health or families. Thankfully, there are pages like this that help you navigate your way through hospital bills and how to confront them. The bills may seem devastating but don’t fret since you can save money on your medicine and hospital bills.

 

Budgeting Hacks for Frugal Families

Moms and dads who want to keep expenses as low as possible to battle inflation have several options for winning the war against high prices. Budget hacks can work well when people implement them wisely and follow through with decisive action. In addition to keeping the interest on plastic cards and auto loans as low as possible, frugal families in the 2020s are opting to purchase generics whenever they can and deferring student loans to reduce monthly expenses.

Other strategies that have solid potential for stretching every dollar include planning weekly meals, identifying budget leaks, and installing smart thermostats. Together, several tactics can yield serious savings for families in all income brackets. Consider the following suggestions for getting your family’s expenses under control.

Minimize Interest-Bearing Debt

The two major offenders in the interest-bearing debt category are credit cards and auto loans, many of which include considerably high rates, fees, and other charges. The aim is to get plastic balances as low as possible and switch out of high-interest car loans. To get started, consider making a one-year or two-year payoff budget for cards and refinancing expensive vehicle loans. One technique is to switch balances from high-rate cards to low-interest ones. With loans, speak with lenders and ask about refinancing options. Various financial institutions are happy to offer more favorable rates and terms to borrowers who are more than halfway finished paying off the entire balance.

Defer Student Loans

Parents who choose a student loan deferment can get serious relief from financial pressure. Those who have trouble making monthly payments should consider the move. The first step is to review a complete guide that walks you through the whole deferment process and shows how to get the most out of a temporary suspension of payments. Many working adults with college loans can leverage the power of a deferment to acquire breathing room and catch up on other obligations before resuming their school loan payments. Deferrals make sense for those who are temporarily out of work, face unexpected medical bills, or want to get on a solid footing with their monthly budgets.

Go Generic

Making the switch to generic grocery and household products is a relatively painless step in the transition to frugality. The beauty of generic food items is that merchants usually stock them right next to higher-priced branded goods. Price differences vary, but in typical stores, generic products cost about 30% less than brand-name ones. Do a one-week trial and see how much lower your bill is with maximum generic substitution. An average family in a medium-sized city can save about $1,000 annually using this method, even without total substitution.

Find Budget Leaks

There’s a relatively foolproof way to identify budget leaks. Track all spending for 30 days. Don’t leave anything out. Then, categorize all the expenses and make an accurate estimate of how much you shell out for each line item per month. Consider downloading a free spend tracker app from the internet and putting it on your phone. Don’t be shocked or disappointed if the reality of your cash outflow is higher than expected. Most working people underestimate what they spend on convenience goods, dining out, and other assorted categories.

Install an Energy Saving Programmable Thermostat

Purchase and install an energy-saving thermostat to minimize utility bills. The latest generation of programmable devices offers high functionality and low prices. Plus, homeowners don’t need to be tech geniuses to install smart thermostats. Just remember to follow directions carefully and turn off the electrical power to the unit before attempting to remove the old device. On average, property owners can reduce monthly utility expenses by as much as 25% without noticing any change in the comfort level within their homes.

 

10 Essential Tips That Will Help You Save Fuel and Money

How much money do you spend on fuel every month? If you are reading this, I bet the amount is high. How would you like to save some of that money and spend it on something else? The truth is that we all can do with an extra dollar. The amount of fuel you spend depends on various factors including your driving habits, car maintenance, and mileage covered. If you think that you are spending too much on fuel every year, the first step is to determine how much you spend. Once you estimate your monthly fuel cost, use the following tips to minimize the cost.

 

Reduce your mileage

Simple changes like driving your car less often can save you a lot of money. Think of the many times you hop into your car to go for groceries a few meters from your house. You do not need your car for that. You can walk right into the store and get what you need. Besides, it will keep you fit when walk often. Alternatively, you can ride your bike, which is even better for your health. This may be unimaginable if you have the best car in town but take public transport occasionally. If the system works perfectly in your area, take the bus or train at least twice a week. You will not just save fuel but have a chance to meet new people and interact.

 

Understand aerodynamics

Do you like your sunroof open when driving around? Well, it is time to close it if you are considering fuel economy. We all love the feeling of opening the sunroof and windows. However, your car uses more fuel when resisting too much wind. The sound of the wind as you drive may be exciting but it increases your fuel budget. Use the air conditioning if it gets too hot inside. You can leave the sunroof and windows open if you are just driving around town. If you hit the highway for a long trip, forget about the sunroof and just drive to your destination.

 

Car maintenance

Your dealer and mechanic must have told you several times to have your car checked consistently. Car maintenance keeps you on the road for long and saves your fuel. Check if your tyres have enough pressure. A car uses more fuel when the tyres have low pressure. How does that work? When your tyres are under-inflated, the friction between the rubber and road is high. Consequently, your engine uses more energy to keep your car moving, which translates to more fuel. Do not over-inflate your car tyres but maintain the recommended pressure level for your care model.

Accelerate slowly

Driving at a very low speed especially on a highway does no good to your fuel tank and other road users. Your car will need more energy to resist the wind when driving at a slow speed. However, if you have to accelerate, do it slowly or smoothly. Move slowly from the low gears to the middle gears and finally to the top gears. Once you achieve a comfortable and safe speed, avoid slowing down unless if they are bumps or any incidents. Do not try to move from the low gears to the top gears within three seconds.

 

Turn off the AC

Sometimes the little things you ignore when driving contribute to the high monthly fuel consumption. We told you to close the windows and sunroof and use the AC instead for fresh air. However, if it is not that hot outside, turn off the AC and save the dollar. You need a functional AC in your car. In fact, you need to replace it immediately if it is broken. It will save you from accidents on misty days and lower temperatures in summer. You just need to be conscious enough to turn it off when the temperatures are comfortable.

 

Stay away from traffic

If you drive to work daily or regularly on the same road, you know when traffic builds up. Do you have to get on the road on a rush hour every day? Do the math. You can stay in your office and get more work done as everybody else tries to get home. Alternatively, you can continue to waste your time and fuel in traffic every day. Stay away from all that agitation on the road during rush hours or find alternative routes to get home.

 

Get rid of excess weights

The solution to your fuel dilemma could be sitting right there in your car boot. Get rid of any excess weights in and on your car. Why is this important? Your car engine will use up more energy to drag all that weight to your destination. Make a habit of inspecting your boot and removing any unnecessary items every day. You know that roof rack that makes everyone in town know that you like the outdoors? Well, it has to go as well. Chances are that you had it installed after buying your car. If you are serious about fuel economy, you need to have it removed.

 

Buy a fuel-efficient car

Is it time to buy a new car? Maybe it is if all your money goes to gas. Think about fuel consumption before you write the check or transfer the funds. In fact, fuel consumption should be among the first questions you ask the dealer. The truth is that you will find many car models including hybrid and electric that will meet your personal or family needs and use less to no fuel. If the car you drive uses too much fuel, consider trading it for another fuel-efficient model. Heads may not turn when you drive by as before but you will feel the positive effect on your wallet.

Go slow on the brakes

This calls for a change in your driving habits when slowing down. Avoid stepping hard and fast on the brakes unless if you are about to crash into something or the car ahead. The secret is to study the road when driving. Check for bump signs or zebra crossings while you are still far off. Sometimes just observing traffic movements can tell you where you need to slow down. Do not maintain the high speed then halt suddenly when you get to the stop sign or bumps. Remember to accelerate slowly after the low-speed spots.

 

Avoid idling

Many drivers are guilty of this habit. You switch on the engine and keep it running as you wait for everyone to get into the car. If you are driving a modern car, it does not need much time to warm. In fact, it does not need any warm up at all. Switch on the engine when everyone is in and ready to go. Switch off the engine when you are stuck in traffic as well. However, you have to check the traffic movements and ensure that you are safe with your engine off.

Conclusion

Fuel economy is not rocket science. You just need to make small changes to your driving habits and service your car regularly. It may take you some time to undo some of the habits you have learned since you bought your first car. However, it is worth the trouble. The tips outlined above will get you moving in the right direction. Implementing one tip may not give you the significant change you need in the fuel cost. You need to combine several if not all of the tips to see the change.

Apply These Three Methods to Improve Your Credit

 

Attempting to remember an extensive list of steps to improve your credit score is an exhaustive exercise. We’ve decided to simplify it for you. While pursuing for credit card consolidation and avoiding ew hard credit inquiries can help improve your credit as well, we’re asking you to look at the amounts you owe, your credit utilization, and your credit reports.

1. Pay Your Credit Cards Strategically

Amounts owed, which represents 30% of your credit score, are reported to the credit bureaus monthly. Your objective should be to make sure your balances are as low as possible when those reports go out. The best ways to do that are to pay your credit card bills before the end of the billing cycle or make payments multiple times during the month.

Another variable at play in this strategy is your payment history. On-time payments account for 35% of your credit score, so making monthly payments on your credit cards on time (or early) will improve your payment history. Be religious about this and you’ll start to see your credit score come up. You may see a small score increase in as little as one month.

2. Bring Credit Utilization Down Below 30

Credit card balances are revolving balances. When you make a payment, they go down. After making a purchase, they go up. The amount of credit that you use is known as your credit utilization. It is typically expressed as a percentage of the credit limit on your card. For instance, if your limit is $1,000 and you’ve spent $500, your credit utilization is 50%.

This is important because credit utilization is part of the credit score equation. Lenders look at it when they review new credit applications. For best results, you’ll want a utilization rate that is under 30%. Bringing it down to that level will increase your credit score and improve your chances of getting new credit cards, personal loans, and mortgages.

3. Review Your Credit Reports Regularly

To be clear, we’re not talking about reviewing your credit scores. Those are important, but credit reports give you the how and why behind your credit score. You can get your first copies of all three reports for free at  AnnualCreditReport.com. You’re legally entitled to them once a year. To monitor them more frequently, you may need to sign up for a paid credit monitoring service.

This can be a helpful step because constant vigilance may lead to changes in the way that you spend money and manage credit.

Keep Your Credit Score Up

Anyone can follow a few tips to improve their credit score. The important question is: How do you prevent it from going down again? Pay your bills on time and try to pay cash whenever possible. Monitor the results of those actions by regularly reviewing the monthly reports published by Experian, Equifax, and TransUnion. Continue to follow these three simple suggestions, and you won’t need to worry about it.

How You Can Effectively Create a Budget for Your Business

There are a lot of things you are going to need to do when it comes to setting up and getting your business off the ground. One of the most important things that you should do is establish a budget for yourself. This means that you are going to have a much better idea as to what your business has to spend and the amount of money you should aim to make in order to generate significant enough profit. Of course, it’s one thing knowing how important a budget for business is but another thing entirely knowing how to put a good budget together. This article will go into more detail about the best ways that you can effectively create a budget your business can follow. 

Determine What Your Fixed Costs Are Going to Be 

There are going to be a number of fixed costs that come into play when you try running your business. This could include the likes of the cost of insurance, the price of rent and also the wages of your employees. You need to know what all of these are and what price they are going to come to in order to correctly establish the kind of income your business should be striving to make. 

If you are worried about some of these expenses (as a lot of new business owners are), then you may want to download an app such as Deferit, which allows you to pay bills now pay laterDeferit will pay your bills, and then you will pay them back in four interestfree installmentsThis means you can take some of the initial pressure off your business as your bills will be sorted. 

Tally Up Your Different Sources of Income 

Another very important step is to work out how your organization is going to bring in money every month. Of course, the total number of sources of income are going to depend on what kind of business model you have. So, if you have a business that focuses on writing, then you are going to be able to make money from the likes of: 

– Carrying out writing tasks 
– Acting as a consultant for other writers 

Put Everything Together in a Way That is Easy to Understand 

Once you have managed to gather all of your different sources of income as well as the different means by which you can expect money to leave your business, you are going to need to put everything together in an easy-to-understand way that you can keep referring back to. Compare your expenses with your income and work out just how profitable your business is going to be. After you have done this, then you are going to be able to work out whether or not you need to move around your business plan in order to generate more income so that you can take care of your expenses while still making a considerable amount of profit. This is absolutely necessary if you want your business to be successful and if you intend to keep your business expanding. 

Conclusion 

There are many different ways that you can ensure your business is in the best position possible to be successful. This means offering a product or service that is high in quality and that people are going to be happy to purchase, offering excellent customer service so you can ask, answer any and all questions clients may have and of course, having an easy-to-understand budget. By following the above, you are going to be able to create a budget that you can refer to and work out the kind of profit you are making and what you can do to keep making it. 

 

How to Avoid Over Spending and Still Have a Great Time

It happens to all of us: it’s late at night, you’re on Instagram when you see your friend’s, your friend-of-a-friend’s or a complete stranger’s vacation in Bali. Suddenly you’re itching to book that trip to Italy, or buy a meal at that fancy restaurant and post it online.

FOMO, or “fear of missing out” is an experience that everyone can relate to, and with social media increasingly a part of our lives it’s sometimes even impossible to avoid. What you can avoid, however, is the spending attached to it. Here are the top ways to make FOMO as painless to you and to your bank account as humanly possible.

1) Limit restaurant spending

Instead of going to an expensive restaurant to take a picture of you and your meal, why not cook something just as delicious for a fraction of the cost? Cooking at home is a great way of having that same experience of going out without having to do so, and even more–you can make it a social thing and invite friends.

Before you know it, you’ll be padding your wallet and enjoying tasty meals. But don’t feel guilty for treating yourself once in awhile, or use those extra dollars towards your next dream trip.

2) Road trips

Can’t afford Bali right now? Consider taking your vacation from the car. You might be surprised what you can find just ‘a few hours’ drive away.

Far-off destinations are certainly enticing and you should go if you can make it work, but there’s a whole world waiting to be discovered on the open road.

National parks, hidden beaches, caves and strange towns are scattered within driving distance, just if you do a little research. If you take a tent you don’t even have to pay for accommodations-, just gas and food. Climb a mountain, capture a breathtaking sunset, and you might as well be on the other side of the world.

3) Skip the bar

You don’t need to drop $20 on a cocktail to enjoy having a drink or two. People go to bars to see and be seen, but between the loud music and possibly even a cover charge you’ll be down $50 before you’re even tipsy.

 

Instead invite some good friends over and have a great time at home. If you choose wisely you can make cocktails that are both tasty and cheap. Just check out some new recipes on budget-friendly cocktails and get mixing. You’ll have a better time than when you head to a bar any day.

4) Photo shoots

Want to keep your Instagram updated without dropping cash on pricey experiences? Consider setting up your own free photo-ops.

Go visit a new part of your city or a neighboring town, bring a friend and snap some pics. You can even bring a couple outfits so you can try different looks as well as locations.

At worst you’ll have a fun day and at best you’ll have some great photos of yourself and your companion to liven up your social media account. At the end of the day if you know you had a good time, nothing can take that away.

 

5) Travel at home

So much of traveling is just going out to see the things we usually take for granted, often right in our home town.

Have you really visited all the great museums? When’s the last time you’ve checked out what’s playing at the local theater? And are there any interesting lectures, meetups or festivals happening around town?

 

It doesn’t take a trip across the world to have a good time, but often that trip is needed just to get us into the right mindset, to have a sense of wonder at the world around. Chances are your city, your state or your area holds many mysteries waiting to be uncovered, so search the internet or take a drive around with open eyes.

Who knows–you may find something amazing that you’ve never noticed, or learn about something new coming to town that you’ve never seen. It’s all about the mindset, not the location, so go out and explore!


Jayson is a recent graduate from Arizona State University who lives in Phoenix. Being a lover of entrepreneurship and travel, he’s always ready to bust out his laptop and visit new places. He started writing in hope of sharing his experiences with fellow entrepreneurs and travel bugs. Follow Jayson on LinkedIn.

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Creative Ways to Create Cash Within Your Existing Budget

Earning money is pretty cut and dry. You likely have a firm handle on your personal income and budget, but what happens when that is not enough? You can always create cash for yourself by physically earning more, via a second job, or passive stream of income, but neither of these options are especially viable for when you need quick cash. The amount of money you can create from your existing budget will vary based on many factors, but you might be surprised to learn that when you need quick cash, you might already have it on hand.

 

Asset Reduction

If you find yourself in a situation where you need a decent sum of money, on a limited timeline, think about your assets and what you might be able to sell off, or downsize to create those funds for yourself. Picking up and selling your house in a hurry just to create cash is not a very well thought out plan, so consider less assets that have a lower immediate need, like your life insurance policy.

You might not realize that you can sell your life insurance policy for cash, because most people do not take out a policy of this type with the intent of ever dropping it. Many policy owners have the option however to surrender or sell their policy when the need for cash exceeds the need for the policy. You can quickly find out if you are eligible and what this decision would  mean for your budget without actually committing to the sale.

 

Simple Swaps

You might be shocked to find out how much money you spend annually on daily, or even weekly habits. Small expenses like buying lunch daily instead of meal prepping for the week can mean hundreds of dollars out of your budget each year. If you are looking to create small amounts of cash for yourself, consider swapping out some of your habitual spending. If you are not already, start tracking your spending down to the penny, and you will be able to easily identify with real-life figures, how much money you can create for yourself each month by simply cutting back on the nickels and dimes.

 

Challenge Yourself

If you are competitive in nature, creating a budget challenge for yourself is a great way to trick yourself into creating extra money. The best part of this type of opportunity is that you can follow an existing plan, or create one that is customized to your needs and habits. Timelines are also fluid, so you are in complete control of how much time you allow yourself to complete this challenge, depending upon when you need your cash by.

You can also challenge yourself by sacrificing some of your free time to your need for extra funds. Cleaning out your closet might seem daunting but if you can get it done and then post some of your removed items for sale to social media marketplaces you can kill two birds with one stone. Many of these opportunities have minimal demands for the seller. Once you post the item for sale, at the point of purchase you can simply communicate with the buyer regarding pick up and payment terms and it’s done.

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