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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

                      books

                        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

                        swap

                          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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                                          Published on May 7, 2019

                                          How to Invest for Retirement (The Smart and Stress-Free Way)

                                          How to Invest for Retirement (The Smart and Stress-Free Way)

                                          When it comes to stocks, I bet you feel like you have no idea what you’re doing.

                                          Everyone who’s not a financial expert has been there. I’ve been there. But, time is passing and you need to be crystal clear with how you’re investing for your retirement.

                                          Otherwise, it’s back to work until you can afford not to. So, how can you invest for retirement when you’re not a financial expert?

                                          You take the time to learn the fundamentals well. If you do, you can grow your wealth and retire happy. The best part is that you don’t need to be a financial expert to make smart investment decisions.

                                          Here’s how to invest for retirement the smart and stress-free way:

                                          1. Know Clearly Why You Invest

                                          Odds are you already know why should invest for retirement.

                                          But, maybe you know the wrong reasons. It’s time you get clear on why you’d like to retire. Here are some questions to help you get started:

                                          • Will you spend more time with your family?
                                          • What does retirement mean to you?
                                          • Are you looking to launch that business you’ve been holding off for years?

                                          Everyone wants to retire but not for the same reasons. Once you’re clear for why retirement is important for you, you’ll focus on making it happen.

                                          Investing in the stock market allows you to take advantage of compound interest.[1] All this means is that your money earns money on top of its interest. A reason why investment in the stock market is one of the best ways to plan for retirement.

                                          2. Figure out When to Invest

                                          “The best time to plant a tree was 20 years ago. The second best time is now.”– Chinese Proverb

                                          It’s true if you’d had started investing when you were 10 years old, you’d have a lot more money than you do today.

                                          The reality is that most people don’t start investing until it’s too late. So, if you’re currently waiting for the perfect time to start an investment, it would be today. Open your calendar and block out 2 to 3 hours to choose how you’ll invest for retirement.

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                                          A quick way to get a snapshot of where you stand is to use Personal Capital. Input all your personal information and spend some time setting your retirement goals. Once completed, you’ll know where you stand with your retirement.

                                          Having a savings account for retirement isn’t planning for retirement. Why? Your money loses value when you factor in US inflation.[2]

                                          3. Evaluate Your Risk Tolerance to Create the Perfect Portfolio

                                          Investing your money well depends on your emotions.

                                          Why?

                                          Because when the market drops most people panic and withdraw their money. On average, the US stock market yields an annual 6% to 7% ROI (return on your investment.) But, this won’t happen if you’re worried about short-term loses.

                                          Before you invest your next dollar, know your risk tolerance.[3] Your risk tolerance determines the number of risky and safe investments you’d have.

                                          Regardless of your investing style, you need to view investing for retirement as a long term game. Know that some years you’ll lose money but recoup this in the long-term.

                                          Avoid watching market-related new. Also, create a double authentication to log in your investment account. This way you’re less likely to withdraw your money.

                                          4. Open a Reliable Retirement Account

                                          Depending on your circumstance, you may need to open a new brokerage account. This is the account is where you’ll invest your money.

                                          If you’re currently working for a company, odds are that they offer a 410K investing account. If so, here’s where you’ll invest most of your money. The only problem with this is that you’re limited to the stock options that are available.

                                          You do have the option to open a separate IRA (individual retirement account.) Here are some of the best brokers:

                                          1. Vanguard
                                          2. TD Ameritrade
                                          3. Charles Schwab

                                          5. Challenge Yourself to Invest Consistently

                                          Committing to invest for retirement is hard, but continuing to do so is harder.

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                                          Once you’ve started investment for your retirement, you run at risk from stopping. Often you’ll want to contribute less, so you’d have more money in your pocket.

                                          That’s why it’s important that you create a budget that allows you to invest each month. If you’re working for a company, you can set a percentage for the amount you’d like to contribute each month. Most people by default contribute 1% but aim to contribute 10% to 15%.

                                          Be the judge for how much you can afford to contribute after covering important expenses. To stay motivated, use Personal Capital to view your net worth.

                                          A benefit to contributing money to your retirement account is not taxed. For example, if you earn $100 and invest 10%, you’d contribute $10, then get taxed on the remaining $90. As of 2019, the most you’re able to contribute towards your 401K is 19K but this can change.

                                          6. Consider Where to Invest Your Money

                                          The most common way to invest your money is in stocks, but it’s not the only way. Here are other ways to invest:

                                          Robo Advisors

                                          Robo-advisors[4] are fancy algorithms that’ll choose the best investments for you. Sites like Wealthfront make it easy for first-time investors to invest their money. You’d input information about yourself and set your risk tolerance.

                                          Then, set your monthly contribution amount and your robo-advisor would do the rest. Robo-advisors charge a fee to manage your money, but less than regular advisors.

                                          Bonds

                                          Think of bonds as “IOUs” to whomever you buy them from.

                                          Essentially, you’re lending money and charging interest. Like stocks, not all bonds are equal. Some will be riskier than others depending on their rating.

                                          Here are the different types of bond categories:[5]

                                          1. Treasury bonds
                                          2. Government bonds
                                          3. Corporate bonds
                                          4. Foreign bonds
                                          5. Mortgage-backed bonds
                                          6. Municipal bonds

                                          Mutual Funds

                                          Picture a group of people dumping all their money in a jar that’s managed by a professional. This is how mutual funds work. The fund manager manages the money looking to earn capital gains (interest.)

                                          One of the best types of mutual funds is index funds. Since these funds don’t try to beat the market and instead follow it, they need less research. Because of this they often charge the lowest fees and yield the best long-term results.

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                                          Real Estate

                                          Yes, buying a home is an investment when done correctly.

                                          Imagine buying a home and using it as a rental property. After repairing it, you receive a monthly surplus check of $100 to $200.

                                          This may not sound like a lot, but repeat this process enough times and you’d earn a large amount of passive income. That’s why real estate is one of the best investments to not only retire but become wealthy.

                                          But, it requires a lot of money to start and you should expect losing money along the way as you learn the process.

                                          Savings Accounts

                                          Your money can still grow in a savings account. Nowadays most online banks offer a 2% annual return. Although the average inflation is higher your money will be available when you need it.

                                          7. Master Disincline to Dodge Short Success

                                          Investing for retirement is a long-term strategy. That’s why you need to master delayed gratification. All this means is delaying short-term pleasure for something bigger in the future. Research shows that those who have delayed gratification are more successful.[6]

                                          So how can you master delayed gratification?

                                          By building your discipline.

                                          Think back to what retirement means to you. A clear purpose will help you avoid withdrawing your money during a market downturn. It’ll help you contribute more towards retirement when you’d want to waste it instead.

                                          Your journey towards retirement will be long, so reward yourself along the way. Choose a reward that’s relevant and meaningful, so that you reinforce positive behavior. For example, after contributing more towards retirement, treat yourself to dinner.

                                          8. Aggressively Invest on This One Investment

                                          I’ve mentioned several types of investments but haven’t covered the most important one.

                                          It sounds cliche but here’s why you’re your best investment towards retirement. The more you know, the more money you’ll be able to make. The more good habits you adopt, the more secure your retirement will be.

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                                          More importantly, investing in yourself is an investment that no one can take away. There’s no market downturn nor tragic circumstance that’ll wipe your knowledge and experience.

                                          But, how can you invest yourself?

                                          Reading books, blogs, and anything that’ll help you learn new topics daily. Listen to podcasts and audiobooks on your commute to/from work.

                                          Save money to buy courses and hire coaches. I used to believe hiring coaches was a waste of money when I could learn the subject alone.

                                          But, coaches see your blind spots and hold you accountable. Hiring the right coach will help you achieve your goals faster than you would’ve alone.

                                          Retire Happy with Excess Money

                                          The key to a secure financial future doesn’t only belong to financial experts.

                                          It’s possible for you and I. What if you were able to retire earlier than most people and weren’t a financial planner? What if you were able to focus on what you enjoy doing the most while your money was working hard for you?

                                          I know this sounds impossible now, but the truth is you’re capable of taking charge of your retirement. I’m not a financial expert but I’ve learned how to invest my money by reading books and learning from others.

                                          Investing your money is scary. So start small and invest a small amount of your money with a robo-advisor. Feel your money drop and rise for a month or two. Then, invest more and keep this up until you’re aggressively saving for retirement.

                                          One day, you’ll wake up with a net worth you’re proud of – confident about your retirement. You now know a few strategies you can use to invest in your retirement. Will you take action to retire happy?

                                          More Articles About Making Wise Investment

                                          Featured photo credit: Matthew Bennett via unsplash.com

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