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Real Ways to Make Money Working from Home

Real Ways to Make Money Working from Home
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    Most of those “work from home” opportunities that you see on TV, in the newspaper, or online are scams or pay you so little for the time you’ve invested that it’s not worth your while.  In my quest to figure out a way to ditch the 9 to 5 job so that I could work from the comfort of my own home, I have come across many different opportunities.  Whether you want to work from home so that you have more time with your kids or because you’d rather wear your jammies instead of a suit, the following are some great ideas on how to earn your living by working from home.  I can’t promise you’ll get rich overnight or quickly earn enough to replace your salary, or that it will even be easy, but if you stick with it and keep trying you’ll eventually have achieved your goal.

    Start your own website.

    There are two kinds of websites – the ones that sell products and the ones that provide information.

    If you can think of a good idea for a webstore and invest enough time and energy into marketing it, you might do well.  But keep in mind, you will have to constantly keep at it.  There will be orders to fill and plenty of accounting and inventory work to keep you busy,  provided you have a good product, there’s demand, and you’ve marketed yourself well.  The “If you build it they will come” slogan does not apply to websites.  If no one knows you’re out there, the chances of them accidentally stumbling upon it are virtually nil.  It can also be expensive if you don’t know how to create or operate your website, or how to market it.  You may very likely need to enlist the help of paid professionals.

    If the idea of running an online store does not appeal to you, perhaps you’d like to create a website that offers information, rather than products.  It could be that you make brilliant cartoons and think that would get a following, or perhaps you’d like to start up a news blog or maybe even a site for dog owners.  There’s no limit as to what topics you have to choose from, but my advice is to choose something that you love.

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    My experience:

    I started up a news website along with my husband in 2006.  We are both news junkies who love to write.  I always wanted to be a journalist,  but I knew where that career field was heading and I didn’t really want to be an intern or do time as the obituary writer.  So we took our passion for news and for writing and our love for our hometown of Cleveland, Ohio, and we started up a news site.

    I can’t say that we’ve gotten rich off of it,  but it helps pay the bills.  It’s daily traffic rivals and surpasses that of established news media outlets in our market, and we’ve brought on board some award-winning journalists in recent years.  It’s also gotten us other opportunities over the years, such as press passes to concerts and sporting events, chances to test out new products or listen to unreleased CDs, and so on.

    We’ve stuck with it for so long because it is something that we enjoy.  I can’t stress this enough – if you start a website about something that you are not passionate about, chances are you will burn out pretty quickly.  It takes a lot of work to build up a successful website, and you have to be willing to put in the time yourself until it is big enough that you need to bring in some extra help.

    We’ve saved a lot of costs because I know how to build websites and have a background in graphic design and a bit of SEO know-how. If you don’t have these skills, or a friend who might be willing to lend some of their talent, it will end up costing you more.

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    Answer questions, do surveys, and conduct searches.

    This tactic to making money online will most definitely not make you rich, but can help you earn enough to pay for the little things you’d be buying anyways, or give you some extra spending money to treat yourself every once in awhile.

    There are plenty of opportunities to take surveys for money.  This has never appealed to me, so I can’t honestly direct you to a legit one.  They’re out there, but do your research first.  Otherwise you might just find yourself added to another spam distribution list.

    If you’re good at searching for information online and have an interest in a wide variety of topics, becoming a ChaCha.com guide might be up your alley.  People ask questions, you find them the answers, and then you get paid.  The more time you spend working, the more you will make.

    If you use the internet, you probably use a search engine regularly.  Well what if all those searches you conducted could earn you money?  With SwagBucks.com, you can earn money for your searches.  It pays you to do what you’d already be doing on Google, Yahoo, Bing or whatever your favorite search engine is. You again won’t get rich by doing this, but you can build up enough points to score gift cards to Amazon.com and other places.

    My experience:

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    I did a few surveys for AOL way back in the day that they paid me for, but these kind of things haven’t interested me all that much because they don’t pay out all that well and I’m more interested in making a living online than earning some extra spending money.  But I know people who have done these and are pleased with it.

    Find a work from home job.

    They are out there, but they’re hard to find and pretty darn competitive.  These jobs can range from a medical transcriptionist to a search engine optimization specialist.  Or, perhaps, you could find a position as a social media consultant.

    My experience:

    I’ve seen these from time to time posted on Craigslist, but I’ve never actually gotten one yet.  My advice to finding them is to scour the job postings on not only your local city, but some big cities like New York as well.  Often times there will be work from home jobs posted on only the NYC Craigslist because that’s where the company is based out of, that’s their local Craigslist, and they don’t want to go to the bother of posting it on all of the cities.   You’d apply for these jobs the same way you’d do any other job, and your interview will likely be over the phone, unless you happen to be near where the company is based.

    Write about what you know.

    Do you have a degree in nutrition?  I know Livestrong.com is hiring writers for their site through Demand Media Studios.  DMS also hiring writers and editors for every other topic under the sun to be published on eHow.com and their numerous other web properties.  You can make about $15 or more per article, and a few dollars for each article that you edit.  You can work as much or as little as you want.  Once you “claim” an assignment, of which there are tens of thousands, you have 7 days to complete it.

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    Yahoo bought up Associated Content and have amassed their own army of writers to create articles on numerous topics.  They also utilize their writers to do local feature stories for Yahoo Local cities.  They work similarly to Demand Media Studios, in that you can “claim” assignments.  I signed up to see how it worked, and it seems as though most of the payment for them is “performance based”.  In other words, you get paid based on the number of hits your article gets.

    Scour the blogger job postings on ProBlogger.net.  There are lots of people hiring everyday for people to write blogs for them on numerous topics.

    My experience:

    I signed up with Demand Media Studios and was accepted, but I haven’t done much since. The number of assignments available and is somewhat overwhelming, but I could easily earn the equivalent of a 9 to 5 salary by writing articles every day.  I’ve written for many, many blogs and websites over the years about everything from lawncare to nursing school and mobile phones.  There are topics, such as new technology, that I consider myself to be well-versed in and there are others that I am not that familiar with, so I do a lot of research to write well about them.

    Turn your talent into cash.

    Most people have at least one talent.  Figure out what yours is, and come up with a plan to capitalize on it. This is what finding a work from home job is all about.  If you love to knit, why not sell your goods on Etsy?  Are you an awesome coder?  There’s more work out there than you’ll know what to do with.  Are you an expert gardener?  Start a blog and share your tips, or maybe even make some expert how-to videos for eHow.com.

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    You don’t have to quit your job and start working from home overnight.  It will likely take you some time to progress to a full work from home job, so start out small and work your way up.  If what you do is something that you love you’ll be more successful.  You need to be dedicated and motivated, and not easily distracted by the freedoms that working from home offers.  Successfully earning a living by working at home CAN be done, but it will most certainly take a lot of hard work.

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    Julie McCormick

    Julie McCormick is a writer, and co-owner of The Cleveland Leader, a Technorati Top 1000 site.

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    Last Updated on July 20, 2021

    Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

    Financial Freedom is Not a Fantasy: 9 Secrets to Get You There
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    Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

    Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

    Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

    In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

    Break Free of Your Finances

    Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

    When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

    Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

    Though it seems hard to believe, it is really very simple to get financial freedom.

    To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

    While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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    Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

    1. Stop Unnecessary Spending

    We often spend money inwardly, instead of objectively.

    For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

    To stop this habitual spending, log down all your spending over the course of a month.

    Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

    This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

    2. Plan a Monthly Budget

    This is a great opportunity to get serious.

    Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

    Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

    3. Cut-up Credit Cards

    Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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    If not, you may want to consider ridding your life of the burden that credit cards bring.

    Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

    Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

    4. Increase Savings

    There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

    It’s good practice to save up to 15% of your income.

    Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

    Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

    5. Invest Wisely

    Consider investing in funds.

    Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

    To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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    Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

    6. Invest in Gold

    There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

    You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

    Another way to invest in gold is through ETFs (Exchange Traded Funds).

    These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

    With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

    7. Stash Emergency Funds

    Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

    If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

    Make it hard to get your cash.

    Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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    8. Find Fabulous Mentors

    Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

    If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

    There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

    9. Be Extra Patient

    Patience is the key of financial success.

    Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

    So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

    Financial Freedom for All

    Anyone can achieve financial freedom, regardless of their financial circumstance.

    Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

    Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

    Featured photo credit: rawpixel via unsplash.com

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    Reference

    [1] Hartford Gold Group: IRA Retirement Accounts

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