It is so easy to push off making long-term investments. This is especially true if you feel like you don’t have what you need right now.
The irony in this is that you will likely always feel like you don’t have enough…and if you keep pushing off essential long-term investments, a time will come when you actually don’t have enough.
This is because we’re all wired to think a certain way about money and that rarely changes. You’re either content or you’re not. You save, or you don’t. You feel like you have enough…or you feel like you don’t.
So, in many cases, you just need to force yourself to make the investments. Luckily, that is really easy now-a-days because you can set up an automatic investment plan that will pull money straight from your checking account or even your paycheck. All you really need to do is set up the account. The rest will happen behind the scenes and you can completely forget about it. Then, when you need it most, it will be there.
So what are the critical long-term investments you should start making now? Here they are:
I LOVE the idea of being able to take your kids to work. I wouldn’t trade being a stay-at-home mom for anything, but I also know I’d probably go crazy if I didn’t have at least some amount of work to do too. Not to mention that the extra money really helps!
I’m always so impressed when I come across someone that has figured out a way to experience the best of both worlds, so it’s time to share! If you’re in a position where you want a job, but also need to keep your kids in tow, consider some of these options:
For a lot of moms, working from home while still being able to be a stay-at-home mom is a coveted dream that often feels out of reach. It can be hard to find flexible work, hard to take care of your kids and the house, and nearly impossible to mesh the two together. But once you do figure it out, it can be the best arrangement imaginable. Whether it’s for extra money, personal fulfillment, or just to keep an oar in the water, it can be a total game changer for your life!
I’ve been working from home since I had my son and I’ve learned a lot through the years. Some things failed miserably and others opened up amazing opportunities. Here’s my advice for how you can make it work:
Without a doubt, writing is one of my favorite ways to make extra money. Not surprisingly, my blog tops the list of my favorite platforms to write for, but every now and then it feels good to get paid for an article you write regardless of how many views, clicks, or traffic it receives. Luckily, nowadays there are a ton of websites that will pay you to write for them. If you enjoy writing like I do, check out these sites to see if they’re a good fit. (You can also check out my list of other ways to make money with your writing here → 6 Ways to Make Money as a Writer).
Related post: How to Start a Money-Making Blog
There are lots of items I would consider absolutely essential as a mom, but honestly there’s only one item I can’t go 20 minutes without and that’s my phone. And it’s not because I’m playing Candy Crush or posting pictures on Facebook. It’s because of the collection of free apps I’ve gathered that tell me what to do, when to do it, and how to do it. Ones that calm my baby, put him to sleep, then calm me. And ones that tell me what’s going on outside the world of baby. And for those moments when I do have time to post on Facebook, it makes the process possible (and fun).
For me, nothing beats being a stay-at-home mom. It is the best decision I ever made and I wouldn’t change it for the world. But I feel lucky that in addition to being a stay-at-home mom, I’ve found an outlet that lets me escape the hardest parts of the day – the times when you feel unproductive, flustered, lonely, or out-of-control. Being at home is worth it – but it’s still tough!
For me, that outlet has been through writing. It has culminated in this blog, but behind that are freelance jobs, pet projects, and other sources of writing for pleasure or pay. And I didn’t start out as a writer. In fact, I often can’t believe that I’ve even found myself here because writing was never something I actually enjoyed, nor was it something I planned on doing. It just happened. But thank God it did, because now I don’t know what I’d do without it!
Related post: How to Start a Money-Making Blog
So, if you’re considering leaving the workforce to be a stay-at-home mom, or already are and are in desperate need of an outlet, here are all the reasons you need to seriously consider taking on some freelance work:
I’m a HUGE fan of self-help books…though not even slightly a fan of referring to them as “self-help books.” So I’m going to call them what they are – motivational books. These are the books that get you so excited in the morning that you achieve way more than you normally do. You have an extra beat in your step. You exercise more, you eat better. You smile more and you sleep better. They literally have the power to transform your life. And when they’re that good, you should definitely reread them every single year (which is what I try to do).
So what are the best of the best? The ones you should definitely reread every single year? 😉 Here they are:
If you have a blog or website, you already know (or will surely find out soon) that high-quality images are almost more important than the content of your site. As they say – an image is worth a thousand words. When your images aren’t up to par, not only is it way harder to market your material and products, but it also can appear unprofessional. That is why it is essential to learn how to use PicMonkey (or other sites like it) to improve your images.
Basically, it’s worth the investment to find and create amazing images. And luckily nowadays you really don’t need to pay for a thing, so the only real investment is your time.
My absolute favorite go-to site for editing and creating images without a doubt is PicMonkey. It’s totally free, though I’ll be honest that this is one of the few online services where I pay for the upgraded version. I stubbornly refused to pay for years and then when I finally gave in, the increase in quality of my images paid me back 10 fold. Every single image that appears on my blog has been put through PicMonkey for minor or major edits, or has been created there from scratch. I’m telling you, if you use (or need) a lot of images, this site will be a game changer.
It’s fairly easy to play around with and figure out on your own, but here are my best tips to make the most of it and transform your images:
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):