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Creative Ways To Make Money From Home

Creative Ways To Make Money From Home

Let’s be honest: not all of us want to go and work a regular nine to five job, instead preferring to work from our home. It’s not exactly easy, but with some patience and persistence, you’ll find the right thing for you. Here are a few suggestions.

Sell Your Old Stuff Online

The first and most obvious thing you can do is to sort out the stuff you want from the stuff you don’t want. Then you’ll want to figure out what the stuff you don’t want is worth and sell it on a site like Craigslist or eBay. You never know what your item is worth to the right person!

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Selling your personal items online is great because you don’t really have to do anything other than say what you have for sale, and you get rid of things you no longer want. You never know, you may get rid of the item for a much higher price than you expected.

Freelance Writing Expands Your Writing Skills

While it’s easier said than done, you could find somewhere to do freelance work. This could be anywhere from a small blog to a much larger corporation looking for writers for articles or product descriptions. These pay fairly well, so long as you abide by their guidelines and consistently meet deadlines. Remember, companies like these demand results, not excuses; so if you’re interested in a fast-paced environment, look into freelance writing.

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Even better, start writing with a purpose. Sure, you may draw money from freelance writing, but you could also write a novel. There are several sites that help unpublished authors get their work out there, and for each copy that is digitally sold, the author will get a cut of the profit.

Complete Small Tasks for Businesses

Many businesses have the option to complete small tasks for them. Sometimes, they can have quite a few small tasks. You’ll have to research projects, write product reviews, translate, write transcriptions, and more. Depending on the company, they pay fairly well and only take a few minutes of your time. They pay immediately after accepting your work, so there’s no week-long delays for payment.

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Take Surveys for Companies

While it may seem extremely tedious, some companies pay handsomely for people to take their surveys. Sign up on several sites and wait for the survey invitations to come in. After a certain number of surveys, you will have the option of cashing your points in for gift cards, and, sometimes, even money. You have to make sure to keep up with the surveys though, because once you miss a survey or two, you’ll be barred from taking further surveys.

Start a Blog

Some of the top moneymakers on the Internet started in exactly your spot. One day, though, they decided to do something about it. They grabbed a video camera, said something silly or voiced their opinion, and got noticed. Some of YouTube’s top earners make well into six figures annually, so regardless of whether or not you think you have something important to say, take a risk and put yourself out there. You never know, your ideas and opinions could resonate well with your audience.

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Tutor Struggling Students

As an older student, there’s nothing better that you can do than to give back and help tutor other students. Try to stick to areas that you’re proficient in. There are many online sites that will offer financial rewards to those who tutor struggling children. The look on a child’s face once they understand what they’re doing, after you’ve explained it to them, is priceless. Look into being a tutor today!

Offer Home-Cooked Meals

While this may seem a little out of the ordinary, hear me out. Have you ever been told that you’re an amazing cook? Many people will pay for an old-fashioned, home-cooked meal. Talk to neighbors or even post flyers around town offering your services. You can cook meals for people and either have them come pick it up, or take it to them.

Rent Out Your Space

Here’s a great way to make money without doing anything: if you have an extra room in your place, rent it out. Set some guidelines, write up a contract, and invite someone to move in. Charge rent and utilities, of course, and just let them live their lives while you live yours. You’ll make money while actually doing very little.

These are just a few of the suggestions to make money from home. Some methods will work better than others depending on your location in the world. What do you turn to when you need money? Do you routinely work from home?

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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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