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Daily Expenditure $0: 20 Sites Of Modern Barter Trade

Daily Expenditure $0: 20 Sites Of Modern Barter Trade

Bartering or swapping sites provide easy ways to trade locally for services or needed products. Bartering or swapping can conveniently also take place through the mail . Of course, sites designed for swapping save money, especially since bartering is tax-free. The practice of bartering has been going on for centuries but on the Internet, people from all over the world can connect faster and with more convenience.

1. SwapStyle

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    SwapStyle is a bustling world wide bartering, sell, or  buy clothing site. Women and children’s clothing are available, as well as, sections for entertainment, accessories, shoes, and maternity wear. The site has been around since 2004 and is quite the popular spot for trading or buying. The site is free to join.

    2. Rehash Clothes

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      Rehash Clothes is a swap site for just about everything. There are men’s, women’s, and kid’s clothes available, along with, accessories, DVDs, textbooks and far more. The site was originally designed to design and reuse old clothes into designer clothes. Upon its launch Rehash Clothes quickly gained popularity as a swap site.

      3. Craigslist

      crasig

         Craigslist provides a a great resource for anyone looking to barter or swap. It was started in 1995 by Craig Newmark as a list of local events in San Francisco. Craigslist quickly grew into the large entity today, where people can go and find just about anything.

        4. Swap.com

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          Swap.com touts itself as ‘the largest online consignment store for baby and kids’ items. Parents simply box up the child’s clothes, toys, or maternity clothes and swap.com takes care of the rest. The items sent in are photographed and those with consigned items price their clothing or swap for needed items.

          5. U-Exchange

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            U-Exchange is an international bartering site for just about anything. Swap motorcycles, cars, homes, and more. There is no membership fee, people only have to sign in with a legitimate e-mail to begin swapping. U-Exchange does charge a very small fee to trade boats or to swap property permanently. Check out the guidelines before bartering.

            6. Freecycle

            free

              Freecycle was begun in 2003 in Tucson, AZ. It began as an e-mail list for locals to find other peoples throw-aways. The site grew quickly and now has over 7 million members worldwide. Simply enter your zip code to find those close to you or enter the zip of a larger city to discover whether some members will ship their items in an international swap.

               7. Game TZ

              game

                 Game TZ is a great and inexpensive way to keep a gamer happy. The zone allows users to create a library of their games and to trade between users without a fee of any kind. The site features top traders and what has been traded and received. Game accessories are also available to trade or buy.

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                8. PaperBack Swap

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                  Book lovers will truly love PaperBack Swap. Members build up their library in order to swap with other members. When a member lists ten books, they receive two credits. These credits are then used to barter with others in the group. For example, once a book is mailed and received by another member, the member who sent the book earns two credits. Extra credits are available for trading audio books.

                  9. SwapaCD

                  swap

                    SwapaCD works the same way as PaperBack Swap. Credits are earned in return for building a library and for sending CD’s to members. CD’s cost $0.49 and one credit point to purchase a CD. These credits may also be used in conjunction with the paperback swap site. Members may join and browse for free.

                    10. SwapaDVD

                    swap

                      SwapaDVD is also a part of PaperBack Swap and SwapaCD. Once the user builds a library of ten available DVD’s to swap or purchase, the member is awarded two credits. DVD’s then cost $0.49 plus one credit. When a DVD is successfully sent to another party a credit is awarded to the sender. Paper back books and CD’s can also be swapped or purchased.

                      11. Book Mooch

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                        Book Mooch is both national and international book swap site. The site works only on a point system. 1/10 of a point is awarded for each book entered. One point is awarded for every book sent and received, three points if sent out of the United States. A point is deducted for every book received, three points if mailed out of the country. The site is free to join, the only cost are shipping of books.

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                         12. Swap Ace

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                          Swap Ace is free to join. Members can buy or trade just about anything, including cars. clothes, electronics, and much more. Bartering deals can be made locally, nationally, and internationally. Services, such as, child care, home improvements, and cleaning services are available.

                          13. Neighbor Goods

                          swap

                            Neighbor Goods is free to join in order to barter goods and services at a local level. List stuff you are willing to share or barter in your inventory, which allows others near you to find what you have. Search for your needed stuff on other people’s inventory lists. Plus, Neighbor Goods helps you track your stuff as you lend it out or are borrowing.

                            14. Trash Bank

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                              Trash Bank is a completely free site to list, barter, or buy just about anything. The site was founded in 2005 by avid traders. Trash Bank users offer testimonials of their experiences to the trading, buying, or bartering services offered. Bargain travel sites, along with valuable e-coupons are part of the services offered on the site.

                              15. Barter Quest

                              swap

                                Barter Quest allows users to barter or bargain hunt for the best price. Simply list what you have and what you want and the database sorts automatically. You will be matched to who has what you are looking to barter or buy. Every conceivable item is up for grabs.

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                                16. Trade Away

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                                  Trade Away is where you can buy, sell, or swap any item for just about anything. Users bid on items, similar to an auction house. Sellers accept the offer that is stellar to them. Registration is absolutely free. Trade anything from antiques to vacation homes.

                                  17. Listia

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                                    Listia lets you earn points off stuff you barter. Earned points then can be used to ‘buy’ other people’s stuff. On this site you can trade almost anything that moves. Joining is free, and you can join with your facebook or e-mail account.

                                    18. Tukar Tukar

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                                      Tuka Tukar is completely free, simply register with a valid social media or e-mail account. Build ‘inventory’ in your virtual garage to start trading, it really is as simple as that.

                                      19. Adal Bdal

                                      swap

                                         Adal Bdal is completely free to join and start swapping. Most traders are in India and the site does request permission to find your exact location. The site was created to let people unload there unwanted stuff for stuff that could be used by someone else. There are many items in which bargain hunters would have a difficult time finding elsewhere.

                                        20. What’s On My Bookshelf?

                                        swap

                                          What’s On My Bookshelf is another barter site for books of all kinds. Users receive one credit per every five books listed. The system uses tags, unlike other sites that require books be placed in a genre. Once a book is sent and received, the sender receives 1 point. Points are redeemed through the user choosing a book and having it sent to them.

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                                          Last Updated on July 10, 2020

                                          The Definitive Guide to Get out of Debt Fast (and Forever)

                                          The Definitive Guide to Get out of Debt Fast (and Forever)

                                          Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

                                          Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

                                          Identifying All of Your Debts

                                          The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

                                          Here’s how you can get started identifying your debts:

                                          1. Own Your Debt

                                          Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

                                          Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

                                          2. Make a Debt Tracker

                                          It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

                                          Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

                                          3. Get Your Debt Number

                                          Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

                                          Prioritizing Your Debts

                                          All debt is not created equal. It’s imperative to understand that there are different types of debt.

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                                          1. Understand Bad and Good Debts

                                          Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

                                          There are three main types of bad debt:

                                          • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
                                          • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
                                          • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

                                          Good debt is identified as investments in your future. Here are three common types of good debt:

                                          • Student Loan Debt
                                          • Mortgage Loan
                                          • Business Loans

                                          2. Decide Which Debt to Pay off First

                                          Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

                                          Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

                                          If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

                                          3. Don’t Pay the Minimum Amount

                                          Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

                                          Removing Obstacles to Pay off Debt Quickly

                                          Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

                                          1. Set a Reminder to Track Your Debt

                                          “If you can’t measure it you can’t manage it.” -Peter Drucker

                                          It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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                                          Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

                                          Set weekly and monthly goals so you can have short term wins and keep the momentum going.

                                          2. Hide Your Credit Cards

                                          If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

                                          Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

                                          3. Automate Everything

                                          Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

                                          4. Plan Ahead

                                          Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

                                          For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

                                          5. Live Cheaply

                                          The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

                                          • Live with roommates
                                          • Cook dinners and prepare lunches for work instead of eating out
                                          • Cut cable and choose Netflix or Amazon Prime
                                          • Take public transit or bike to work

                                          Finding the Lowest Interest Rates

                                          The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

                                          If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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                                          1. Maintain a High Credit Score

                                          Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

                                          • Never miss a payment
                                          • Don’t exceed 30% of your credit limit
                                          • Don’t sign up for more than one card at once
                                          • Limit hard inquires, like auto-loans and new credit cards
                                          • Monitor frequently with free credit-tracking software

                                          2. Find Balance Transfer Offers

                                          Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

                                          Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

                                          If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

                                          How to Get Rid of Debt Forever

                                          Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

                                          1. Keep Monitoring and Adjusting

                                          Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

                                          Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

                                          2. Earn More Money

                                          There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

                                          Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

                                          Here are some examples of ways to earn more money:

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                                          Talk to Your Boss

                                          Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

                                          Start a Side Hustle

                                          This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

                                          Build an Online Business

                                          There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

                                          3. Celebrate Your Wins

                                          As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

                                          While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

                                          4. Set New Financial Goals

                                          Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

                                          Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

                                          These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

                                          Conclusion

                                          Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

                                          Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

                                          More Tips on Getting out of Debt

                                          Featured photo credit: Pepi Stojanovski via unsplash.com

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