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10 Simple Things You Can Do To Earn More Money

10 Simple Things You Can Do To Earn More Money

There are many different, simple things you can do to earn more money. And who wouldn’t like a little extra money to add to their income this year? Just think of all the things you could buy with some extra side income.

Here are 10 simple tips that will put more cash in your pocket:

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Earn money by cutting back

1. Cancel any memberships or subscriptions you don’t use. For example, do you subscribe to a magazine or a service like Netflix or Hulu? If you don’t use the subscription on a regular basis it might not be worth paying for anymore. The same goes for memberships. What about cable television? Cable is expensive and for most people it’s not even worth paying for, since there is so much media available through other methods online and through Hulu, Netflix, YouTube and torrent websites.

2. Take a look at your variable expenses, like phone bill, car insurance, groceries and gas. Can you get cheaper car insurance or cut your phone bill in half? Eating out less and being smart with how much you spend on food and health items can help save money and put more money in your pocket.

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3. Go through your belongings and sell things on Craigslist, eBay or Amazon. You most likely have a couple of things laying around that you don’t use anymore or don’t really need anymore. Think of old electronics, clothing and other items that you can part with and list them online for sale. You could also look at recycling centers in your area that may allow you to recycle electronics like TVs, cameras and computers.

4. Sell unwanted things to a pawn store or to friends. Pawn stores are a great option if you want to get rid of unwanted items and make some quick cash. Pawn stores sell a variety of items that people have sold to them, so there’s a good chance they might be interested in whatever you’re trying to sell. Also, post your items on social media for friends to see. Oftentimes a friend might like to purchase something you have for sale because they can get it at a discounted price and it’s something they want or need. This is especially true with items like baby clothing and other baby items, adult and children’s clothing, purses and electronics.

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5. Host a clothing swap or yard sale at your house. Charge an entrance fee for others to join and sell their belongings too. You can sell your unwanted belongings and make money on both the entrance fee and items that sell. A clothing swap or yard sale is a good way to get some friends and family involved to sell their unwanted items, then everyone can make a little extra money this way.

Simple ways to earn money

6. Write an e-book and sell it on Amazon and Smashwords. Writing an e-book is easier than ever. All you have to do is write your book in Microsoft Word or any other similar word processing program, upload it to Amazon, use Amazon’s cover creator and then list it for sale through their Kindle Direct Publishing site. It’s also a very easy process to upload a book to Smashwords and sell e-books there. You can make anywhere from a couple of dollars a month to considerably more depending on how many copies you sell, what you choose to charge for the e-book and the royalty that is paid out to you. It’s an easy way to make some extra money continuously.

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7. Write articles for websites like Lifehack. There are several reputable article websites out there that pay per article you write. With a little time and effort you can make a little or a lot of extra money, depending on how many articles you want to write.

8. Sell your photos online. You’ve probably got tons of original photos you’ve taken on your phone, with a camera or another device throughout your life. There are several websites where you can sell your photography. Here’s a list of photo websites where you can list photos for sale:

9. Make something and sell it on Etsy. If you are crafty then Etsy is just the place for you. You can create one-of-a-kind products and sell them on Etsy. Make sure to advertise them on social media like Pinterest, which is great for specialty items, crafts, clothing and gifts.

10. Sell your plasma. Do a search to find the closest location to you that will allow you to sell your plasma. Oftentimes you can earn up to $130 for the first four times you donate plasma. Make an appointment, go in to have it done and walk out with cash in hand. You can repeatedly donate so this is something you can do occasionally to make a little extra if needed. Plasma donors should check with their local donor facility to find out how often they can donate. Donating plasma is a little more involved than donating blood and requires a little more time.

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Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

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