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10 Creative And Effective Ways To Make Money From Home, Doing What You Love

10 Creative And Effective Ways To Make Money From Home, Doing What You Love

Long commutes, that annoying coworker you love to hate sitting on the other side of your cubicle, staff meetings that drag on forever debating the merits of various brands of toilet paper—ah, the joys of an office job.  If only there was some way you could make money without having to go into the office, otherwise known as that place that has become the bane of your existence.

Luckily for you, it just so happens that you can make money without being at an office.  Thanks to advances in modern technology, there are all kinds of ways you can make money working from the comfort of your own home. Some great home based career ideas include.

1. Freelance Writer

If you’re passionate about writing and confident in your ability to produce excellent work, you should consider becoming a freelance writer.  Check out websites such as FreelanceSwitch, Odesk, Upwork, and ArticleTeller to see some great opportunities that have come available.  If you’re really ambitious, you could even start a blog and generate an income from the space you sell for advertisements.

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2. Personal Trainer

Are you a fitness buff who loves working out?  If so, you should consider becoming a personal trainer.  Now that we have tools like Skype and FaceTime on the scene, you can easily communicate face to face with clients even if you’re hundreds of miles apart, helping them set fitness goals, prescribing workout routines for them, and providing feedback on their progress.  If you’re not already certified, you’ll want to obtain certification as a trainer first, and then once you’ve done so, you should promote yourself and the services you offer on various channels of social media (Facebook, Twitter, LinkedIn, etc.).

3. Artist

Don’t buy into the stereotype that says a career in the arts means becoming a starving artist.  You can actually generate a pretty decent income selling your works of art from home, thanks to sites like Etsy that serve as an online marketplace for producers and consumers of art.  Cafe’Press is another website on which you can sell your artwork.

4. Product Tester

If you’re really into gadgets and you enjoy scoping out the latest and greatest ones on the scene, you should consider getting paid to check out these gadgets by becoming a product tester.  People who are open to testing and marketing products are actually in high demand at a lot of companies.  Check out websites like SheSpeaks.com, Houseparty.com, and Crowdtap.com for opportunities that could allow you to try out products and make money from home.

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5. Host or Hostess

If you’re really social and you enjoy having people over to your place, you could always consider renting out your spare room to out-of-towners who need a place to stay during their vacations, college students, etc.  Check out airbnb to get started with running your own Bed and Breakfast.

6. Teacher/Tutor

working in the living room

    Love teaching, but love the idea of teaching Beowulf from at home in your pajamas even more?  Look into becoming an online teacher.  Various states have their own systems of virtual public schools, and while you may have to go through some classes and training before you get started, the flexibility you get with being able to teach from home is well worth it in the end.  If tutoring is more your thing, you can also check the website Tutor.com to find opportunities to provide assistance with math, science, music, etc.  Whatever field you excel in, chances are, somebody could use your help in that area.

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    7. Nanny

    It might sound like a silly career, but nannying is no joke: you can rake in serious cash taking care of kids while their parents are at work.  And while some parents will obviously prefer that you come to them, many will be fine with dropping their kids off at your place, allowing you to fulfill your goal of working from home.  It helps if you are certified in first aid and CPR and have some kind of background in working with kids, either from previous babysitting experience, working at a daycare, in a church nursery, etc.  Check out Care.com to find nannying opportunities near you.

    8. Tailor/Seamstress

    If you’ve got the magic touch with a thimble and thread, a work from home career as a tailor or seamstress could be in your future.  In addition to making alterations and repairs to pieces of clothing, you could make tote bags, bedding, drapes, even dresses and custom made clothes; the possibilities are endless!  Basically, if you have a knack for sewing, there’s a need for your skills.  Create a blog or website to get the word out about your services, and consider advertising with flyers and business cards at local fabric stores.

    9. Medical Transcriptionist

    If you’re interested in healthcare, you might be interested pursuing a career in medical transcription.  As a medical transcriptionist, you turn voice recordings of doctor/ patient interactions into a text-based format.  In order to get started, you will probably need to take classes in medical transcription (check to see what your local community college or technical schools offer).  You should also consider joining a professional organization as a way to network and land your first job in the field.

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    10. Virtual Assistant

    Are you super organized?  Do you love helping others?  If so, a job as a virtual assistant could be just right for you.  As a virtual assistant, you help out with paperwork, send emails, draft documents, and take care of needs that a company would generally assign to a secretary.  The beauty of being a VIRTUAL assistant, though, is that you can do secretarial work without ever having to set foot in an office.  Go to VirtualAssistants.com for suggestions on how to get started in this field.
    If you are seriously considering getting a job working from home, the good news is the opportunities abound.  With the above ideas as a guide and a little self-promotion on your part, you could be well on your way to making great money from the comfort of your own home, in your pajamas and fuzzy slippers no less.

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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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