If you ever want to borrow money – whether for an emergency or to make an investment – you’ve got to have a good credit score. It will make the borrowing process ten times easier and more importantly, it will get you a lower interest rate on your loan. In the end, it will put more money in your pocket (and not the bank’s). Whether you’re just starting to build your credit or need to increase your credit score, here are some quick and easy fixes that could make a huge difference:
Related post: How to Buy Your First Investment Property
Writing is a funny thing. You don’t necessarily have to be an expert at it to make money doing it. You just need to be an expert at something – and that’s what you write about. If you do happen to be gifted at writing then you’ve got an extra leg up, but it’s not a prerequisite.
Better yet, writing is one of the most flexible, gratifying jobs out there. You’re creating something tangible (even if it’s only available in cyberspace) and you get better and better the more you write.
In my opinion, everyone should spend some of their time writing. The benefits are endless, but the obvious ones can’t be ignored –
- You can do it from anywhere, at anytime
- You can write about anything
- It makes you better at whatever you’re writing about
- You can make some easy money!
If you haven’t considered writing for a living (or just on the side), it’s time to think about it! And if you’re ready to start dabbling, consider some of these ways to make money as a writer (whether full-time or part-time):
I can’t tell you how excited I am at this discovery. I’m a total LUSH bath bomb addict, but as you may or may not know, those things are expensive! They are hands down the highest quality bath bombs you will find, but at $7-$8 a bomb, it becomes a true luxury. I can’t pay that much every time I want to relax in a bath!
When my husband and I bought our first (and current) house, we loved it because we felt like it was the perfect starter home. It is small and cozy and perfect for two people – maybe a little baby too. The plan was to live there for 3-5 years and then move onto a bigger, more spacious McMansion-style home where we’d raise our kids.
We’re now 6 years in and each additional year we seem to dig our heels in further, finding new reasons why our small starter house may actually be our perfect forever home. Because believe it or not, there are some amazing perks to living in a small home.
So before you sign up for 30 years of paying off your mansion, consider these reasons for picking a small house right from the start:
Coupons can be a confusing thing. On one hand, we know that most coupons are a gimmick to get us to buy products we don’t really need. On the other hand, we’ve all seen Extreme Couponing and know that it’s possible to not pay for groceries at all. And for many of us, that would be a gold mine.
Even the best budgeters usually spend $500+ a month on groceries for their family! Imagine how much could be saved by figuring out how to really make the most of coupons….especially when it means getting free products.
Here’s what you need to do if you want to start saving a bundle (and not spending more!) using coupons:
One of my BIGGEST goals right now is to pay off the mortgage. I won’t lie, it’s sooo hard to stay motivated when you’re chipping away at such a big number, but the benefits are just way too huge to ignore. But the reality is that if you prioritize getting it paid off, it CAN and WILL happen. And your future self will thank you for it!
Related post: 10 Things I’m Doing to Pay Off My Mortgage Early (and the One Thing I Won’t Do)
So if you’re in the same boat as me, consider these different ways for getting your mortgage paid off way earlier than you ever expected:
In my attempt to read more books this year, I’ve come across some real winners and some ho-hum forgettables. Even a mediocre book can sometimes be a welcome break from reality, but what I really love is a book that is so exciting that I actually get an adrenaline rush when I’m reading it. And I’m not talking about the rush that comes with finding out who the killer is or a steamy romance scene. I’m talking about the rush from that AH-HA moment that makes you realize one small tweak to your life could help you achieve your next goal…or the moment you realize that you actually can quit your job and do what you love…or even just deciding what your next pursuit will be. THOSE moments are the best.
Back in the day, living the American dream meant finding a great job that let you buy a home, vacation every year, and take care of your family. Nowadays?? What a different picture! For most of us, the American dream now means finding a way to make money from what we love, work anywhere and at anytime, and still take care of our families. And it’s totally possible! I see it happening every single day.
So what’s the first step towards achieving this dream? Turn your hobby into a money-making machine. Believe it or not, there are a ton of ways to make money from your hobbies, whether it’s just pocket change or a full-time income.
Here’s where to start if you’re ready to make money from your hobbies:
I don’t think there’s ever been a time in my life (at least not in my adult life) where I haven’t been trying to accomplish something. Whether big or small, there’s always something going on – paying down debt, learning new things, weight loss, clearing my head, running more often…the list goes on and on.
So I’m sure it’s not surprising that I love coming across new ideas and ways to accomplish more, especially if it saves time or effort. And I’m always on the hunt for new ideas. My last source of inspiration (from The Power of Habit…not as amazing as The Miracle Morning, but still a great read!) has me really excited because it outlined a brilliant and simple way to accomplish anything and everything:
In the personal finance world, I feel like all I read are posts about ditching the credit card and shifting to an all cash world. I’m not going to deny the potential downside of credit cards (or the upside of cash), but I just can’t stop myself from laying out all the benefits of doing the opposite – exclusively using a credit card instead of cash. The only important rule you have to remember with this method is that you have to pay off your full balance every month. But if you can do that then you can seriously improve your finances. This is what I do and I’ve never had a moment where I regret it. In fact, I think it’s the smartest way to manage your money.