I am completely convinced that we each have the ability to make our own luck. Sure, there’s an element of random chance, but you also have to be at the right place, at the right time – and that we have more control over than we think. You can’t win the lottery if you don’t buy a ticket, right?
So how, exactly, do you make your own luck?
Here’s what I think you should do:
Recently, I wrote about the plan my husband and I have to pay off our mortgage in the next 10 years. Hearing all of your comments and ideas got me sooooo excited that I started thinking about how we could get it paid off in 5 years instead of 10. So we started talking about all the different ways we could convert some of our expenses into making larger principal payments – easy ways that would at least cut $100 in expenses each month.
Well, we came up with some pretty exciting ideas! Here’s what we’ve got:
Freelance writing is great no matter who you are, what you do, or where your career is headed. It is personal and professional, can be done at anytime and anywhere, and will build your authority and expertise. Whether you are evaluating corporate stocks or just mommy blogging, it’s a great path to take. And best of all, it helps pay the bills.
Luckily we are in an era where content is king, so every single company and website is looking for quality articles, posts, and web copy to add to their site. Getting your first freelance gig is nerve-racking, but it’s well worth the reward of working for yourself and having a beautiful finished product at the end of every job.
Related article: How to Start a Money-Making Blog
No matter what your background is, if you can write well, then you can write professionally. Here is how to get your first freelance writing job: (more…)
Last year I wrote an article about staying happy while your spouse is traveling and, much to my delight, it ended up being pretty popular. It turns out I’m far from the only wife that finds herself home alone while her husband is off working afar.
My tricks for staying happy have always been lifesavers for me, but the past few months have proven to be extra challenging. My son is getting more active, but the real challenge has just been the winter and limited daylight. Getting outdoors, being active at night, and even just keeping flowers around the house can be EXTRA challenging.
So, I’ve been on a mission to figure out new ways to cheer myself up and keep motivated while my husband is away. The original list still applies, so be sure to check it out here, but if you’re still finding yourself down and out, hopefully some of these will help. 🙂
I am one of those people that takes photos of everything when I vacation. And I mean everything. Cool flowers, neat buildings, interesting wall paper, and tons of landscapes. So when I discovered how to make extra money with vacation photos, I got that crazy entrepreneur-butterfly-itch that hits me time and again.
Now, obviously you can post your photos on sale at stock photography sites – and you probably could make some money that way. But that’s not nearly as exciting and doesn’t get your creative juices flowing like creating actual products. And it’s much easier than it sounds. (more…)
Now that I’ve officially left the “classic” work force, I’m in a position where I need to be really creative with how to contribute to our income. More specifically, how to contribute to our disposable income. One way to do that? Cut out the largest (by far) monthly expense and pay off the mortgage.
Related article: How to Pay Off the Mortgage Early
I know it sounds crazy. With such a massive loan, it just seems pointless to waste time trying to chip away at it. But none-the-less, my husband and I have gotten ourselves excited enough that we’re endeavoring to have it paid off in 10 years. This will obviously require us to make some pretty large payments here and there, but we also came up with some pretty quick and easy ways to bring it down without even trying. (If you’re interested in everything we’re doing to pay off our mortgage early, check out this post –> 10 Things I’m Doing to Pay Off My Mortgage Early (and the One Thing I Won’t Do)
So here’s what we’re doing and what you can try if you’re up for the same challenge:
Related article: 7 Important Reasons to Pay Off the Mortgage
When I came across Dan Harris’ book 10% Happier, I couldn’t wait to read it. I had been working on a follow-up post to one of my previous articles (10 Tricks for Staying Happy When Your Spouse is Traveling), so the timing couldn’t have been better. I hastily added myself to the waiting list at the library without reading the full title, so I had no idea what I was actually going to be reading about when my turn finally came. (more…)
We all know that there are a lot of ways these days to make money writing online. Some are obvious, like freelance work, but others have a bit of mystery involved. Hubpages falls into this category for most people, but it’s actually one of the best places to start. It’s also a great addition to the writing-for-income portfolio for anyone that writes for a living (or is trying to!).
I won’t lie, I came across Hubpages against my will. The site that I was happy writing for was sold to them and along with it, all of my content. As is often the case, however, it wasn’t long before I realized the earning potential on Hubpages way more. So as you can imagine, I’m a much happier writer now.
Related article: How to Start a Money-Making Blog
This little gem came to me out of desperation and a compromise – one of us wanted pasta for dinner, one of us wanted stir fry. The resulting pasta bake was absolutely delicious and so, so, so easy that it will definitely be made again. It’s a little more pasta than stir fry, but hey, at least I got a lot of broccoli in there! (more…)
I originally published this post last summer (if you can believe it, it was actually my FIRST EVER post!), but I feel like it’s really important to bring it back with everything I’m hearing in the news lately.
If you haven’t been keeping up, here’s what you’re missing: First, there’s the constant reminder that the projected cost of college for a child born in 2013 ranges from $150k to a whopping $400k. Then, there’s the pending reality that in one year 1% of the world’s population will own 50% of the world’s wealth. So if you’re not in that 1%, you’re actually more likely to get poorer than richer.
So why does this matter for college savings? Well, lots of reasons. And of course, I’ve written them all down for you. 🙂
So without further ado, here are the reasons why you need to start saving now for your kids to go to college. And more specifically, why you need to put that money in a 529 College Savings Plan.