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12 Ways To Earn More Money While You Have A Full-Time Job

12 Ways To Earn More Money While You Have A Full-Time Job

In a world where we are faced with towering levels of responsibilities, it has become common for adults to take on two or more jobs to earn more money and make ends meet. Whether it’s to support one’s education, help a loved one financially, or simply to make sure that we are financially secured, acquiring more than one job is no longer out of the ordinary. We’re now more adaptive to our environment and the endless changes that cross our paths, making us braver to step ahead from mediocrity.

In this modern age, advanced technology is something that people take advantage of. It has now become a platform where work is done faster and where communication is easier. Through these conduits, entrepreneurs and job-seeking individuals have become dependent on the internet.

For some however, earning extra can still be done the old-fashioned way. Your skill set and internal strength define what services you can offer.

If you’re thinking about expanding your horizons and taking on a new source of income, you have come to the right place. Here’s a list of jobs that can help provide the extra earnings that you need:

1. Tutor online

This has become a common part-time job for some who already have day jobs. The good thing about being an online tutor is that you are totally in control of your time. Most online tutors provide English lessons to non-English speaking individuals from countries like South Korea or China.

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2. Be an online writer

This is another common part-time job for job seekers. Although this is a little bit more complex than being an online tutor, getting a job as online writer is a surefire way to broaden your knowledge about something you haven’t encountered before.

3. Post videos on Youtube

Social media channels like Youtube offer their users a fun, engaging way to earn by simply posting videos on their site. Clips that contain pornographic, offensive and/or inappropriate material are big deal-breakers. Remember, if you want to make money online, do it in a decent way.

4. Invest in stocks

Stock investment is an area that entrepreneurs usually take part in. By investing your money through stocks and bonds in the international market, there’s a risk that you need to be prepared for. If you think you have enough courage to put your savings out there, then go for it. Just make sure you have a financial advisor to monitor your progress.

5. Become a freelance consultant

If you have a broad knowledge of a certain subject, like accounting, law, or sales, then this kind of part-time job is the right one for you. Assess your own previous experiences that have helped you become an expert in your field. Employers are now willing to hire freelancers to cover their short-term projects.

6. Offer typing jobs

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    Photo credit: Source

    Proud of your typing skills? Let your skill be known by seeking out employers who need help in completing a typing project. This kind of job usually comes with deadlines, so make sure you get the job done as discussed.

    7. Be a babysitter

    If you’re tired working in front of a computer all day and need some time to earn comfortably, getting a job as a babysitter could be the right one for you. Babies will be your bosses and your sole job requirement is to keep them happy. Win-win, right?

    8. Take nightshift gigs

    If you love an active nightlife, embrace it even more by seeking out jobs that operate past 6 pm. Bartending, waiting tables, or DJ-ing are some of the jobs you’ll find in this area.

    9. Sell baked goodies

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      Photo credit: Source

      If you have the tools, knowledge, and a handy recipe book, selling cookies, cupcakes, bread, and other baked goods may be a great part-time gig for you. Be mindful of your quality, as this will be your top asset among your competition.

      10. Be an Uber driver

        Photo credit: Source

        Someone who loves to drive and knows the rules of the road is the perfect person to be an Uber driver. If you think you exemplify these attributes, why not try giving it a shot?

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        11. Be an online translator

        If you’re bilingual or multi-lingual, there’s a long list of employers who are waiting to hire someone with your skill set.

        12. Sell used items, like gadgets

        Let go of your old gadgets by selling them online. Not only you have made a profit from them, but you can also make someone extra-happy by selling them for a low price!

        I hope this list helped you in picking out your new part-time job! Good luck in your new endeavor!

        Featured photo credit: To Earn More Money via lifehack.org

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        Last Updated on January 2, 2019

        How Personal Finance Software Helps You Get More Out of Your Money

        How Personal Finance Software Helps You Get More Out of Your Money

        Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

        Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

        Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

        This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

        Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

        What Exactly is Personal Finance Software?

        Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

        When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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        How It Leads to Financial Improvement

        It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

        Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

        Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

        It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

        Types of Personal Finance Software

        When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

        Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

        For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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        Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

        When to Use Personal Finance Software

        So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

        Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

        1. You Have Multiple Accounts

        There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

        If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

        Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

        2. You Want to Automate Some or All of Your Payments

        Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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        There’s no need to log into every account you have and type in your routing number either.

        With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

        3. You Need to Streamline Your Budget

        Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

        Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

        Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

        4. You Have Specific Goals to Meet

        Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

        You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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        How to Get Started

        From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

        Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

        It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

        When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

        Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

        Final Thoughts

        Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

        In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

        Featured photo credit: rawpixel via unsplash.com

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