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Real Ways to Make Money Working from Home

Real Ways to Make Money Working from Home

    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.

    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 April 3, 2019

    How to Nix Your Credit Card Debt in Less Than 3 Years

    How to Nix Your Credit Card Debt in Less Than 3 Years

    Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

    By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

    This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

    Hint: there are ways that are easier than you think.

    1. Consider Consolidating Multiple Credit Cards If Possible

    This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

    It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

    Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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    Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

    My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

    Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

    2. Try to Pay the Full Balance You Spent Each Month at the Very Least

    You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

    Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

    If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

    3. Pay Extra When You Can – Every Small Amount Counts

    This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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    It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

    4. Create a Plan on How to Pay Extra

    Back to the main point, having this plan is giving you one less thing to think about.

    This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

    For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

    Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

    5. Cut out Costs for Services You Do Not Use

    If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

    In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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    6. Get Aggressive About It

    Consider these points:

    Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

    Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

    Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

    Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

    7. Reevaluate Your Progress at Set Intervals

    Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

    By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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    Finally (and most importantly)…

    8. Keep Trying

    Do not get discouraged. Pushing it off will make it worse. Just keep trying.

    Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

    Start Knocking out Your Debt Today

    The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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