Side Hustle Spotlight

The Side Hustle Spotlight on DebtFreeForties.com showcases everything side hustle related. This section includes interviews, ideas, and tips and tricks to gettin’ your hustle on!

Why it’s Important to Know Your Worth Financially

Any personal finance blogger will tell you that it’s important to know your net worth. But there’s another type of worth that’s just as important with finances: self worth. Do you recognize and know your worth financially?

This week’s post is to celebrate International Women’s Day on March 8th and the #WomenRockMoney Movement!

The majority of my money mistakes boil down to a pretty big reoccurring theme: not knowing or valuing my worth.

As a woman, my story is not unique in any aspect. I’ve struggled with feeling inadequate in my career (which started in a primarily male dominated field), not to mention in my everyday life while growing up.

Sadly, I’m sure most women can relate. A lot of us struggle with battling self worth issues across all facets of our lives on a daily basis. Not acknowledging your self worth can lead to painful financial realizations such as earning less.

Any personal finance blogger will tell you that it’s important to know your net worth. But there’s another type of worth that’s just as important with finances: self worth. Do you recognize and know your worth financially? #WomenRockMoney #selfworth #finances #personalfinance #networth

How Self Worth Affects Your Net Worth

My self worth issues have played out in my finances throughout my life. The good news is, I’m working on them and my self esteem. I want you to think about these financial downfalls. Do they sound familiar? Have you been faced with something similar?

If you recognize yourself in these instances, read on to find out how to work on changing them. We all deserve to live up to our full potential!

I didn’t value my worth as an employee.

I worked for a cable company once and that gave all of their employees free cable, but I lived outside of their coverage area. Rather than ask them to compensate me, or pay for my cable with another company, I let it go because I didn’t want to be a bother.

Not every employer I’ve had does yearly reviews. Which means no raises. Rather than keeping tabs on emails and examples of how I’ve kicked butt for them, I found myself just avoiding the conversation. My low self worth kept me from asking for raises, as well as my fear of confrontation and being told no. My lack of self esteem kept me from being well compensated.

I work hard and do a great job – and yet I used to constantly undercut myself. After 20 years in my field, I’ve finally realized that not valuing yourself and the worth you bring to an employer keeps you from earning as much as you could be. Whether it’s asking for a raise, reviewing your benefits, or adjusting your freelance fees, it’s important to make sure that you and your employer are honoring your worth.



I just took what was offered instead of asking for what I wanted.

Anytime I have received a job offer, raise, or even a housing bid, I’ve taken what’s been offered. I had always been afraid to provide counter offers due to the fact that I was sure I’d lose out. I was afraid I’d be viewed as greedy, self absorbed, or ridiculous.

I also thought that I was just plain lucky to get offered anything at all – so I just shut up and took it.

Now I know that starting a job without the proper compensation can often lead to resentment and a reason to be unhappy. Asking for what you want isn’t ridiculous or greedy. Employment is about making sure both parties are happy and can settle on a good middle ground.

I let others talk me out of trusting my gut.

When it comes to finances, I’ve been a bit of an obsessive dork for….years. I’ve followed Suze Orman, Dave Ramsey, and Gail Vaz-Oxlade. I’ve read tons of financial books, watched many episodes of personal finance shows, and have spanned into podcasts about money.

So why in the world would I let a financial adviser guide me without questioning his tactics or knowledge?

Because, once again, I assumed that I didn’t have the same worth that he did. I didn’t trust my gut, and I allowed myself to just go along with his suggestions without questioning them.

Needless to say, the fallout is deafening. Twice now I’ve had to scramble to get tax adjustments done because IRA contributions were mishandled, among other items. I saw the red flags, but chose to ignore them because I didn’t believe in myself.

All those years of studying up on personal finance as a hobby means that yes, I am knowledgeable. I can – and should! – question any financial adviser. Especially when there are red flags.

I know now to trust my gut. Listen to my instincts and question things that make me uncomfortable. I have learned to value my knowledge and financial smarts, as well as my decision making abilities.

How to Change Your Money Situation

So how do you work on improving your self worth? The good news is, if you recognize yourself in any of those scenarios, you can pull yourself back out.

Question your money story.

Your money story is comprised of facts, beliefs and tales you’ve been told that revolve around money. It starts when you’re young, and you learn about what your parents think and how they feel about money. Maybe they struggled to pay the rent, so you learned to avoid money. Maybe they were afraid of not having enough, so you hoard cash and have a scarcity mindset.

It’s amazing how any messages about money – both verbal and not – are picked up by kids.

Now’s the time to stop and think about your beliefs. Listen to what thoughts pop up around money and sit down for 30 mins and write down all your beliefs.

Review them. Question them. Figure out where they came from. Decide if they’re true or not and if they’re worth keeping. Or if they’re keeping you from valuing yourself, your time, and spending money in a way that makes your life better.

Work on your mindset.

It’s so, so important to take a look at your mindset.

I recently read this intriguing, crazy interesting book called “You Are a Badass” and it’s sister, “You are a Badass at Making Money”, both by Jen Sincero. To sum them up in a single statement: You are your own worst roadblock.


If you think you can’t make money, then you’re right – you can’t. If you’re constantly playing the victim, and feeling sorry for yourself, you’ll get nowhere. Because you don’t want to.

Some of the stuff in these books can be a little over the top. It’s a lot of visualization, positive thinking and meditation. To each their own. I have been incorporating these methods into my daily routine, and I have to say I’m amazed by how much my views on money, my earning potential, and my thought process have changed.

I’ve been able to:

  • Challenge my money thoughts and how I feel about having it (or not having it)
  • Realize what thoughts are blocking my financial path
  • Become more open to new ideas about money, my worth, and my earning potential

Have you ever thought of a cardinal and started noticing them everywhere? (Or a similar scenario – you know what I’m talking about.) This is similar. I wanted to earn more, so I changed my mindset and began to see new opportunities. Maybe they were there before, and maybe not. But now that I was open to them, I was able to see them more clearly.


 

Learn to trust your gut.

You’re a smart, educated woman. You have intuition, gut instincts, and know what the heck you’re talking about. If not, you know how to research until the answer you find is one you’re comfortable with. If something seems off with your finances, dig in. Learn to trust you gut. Enough said.

Spend 15 minutes a day learning about personal finance.

The best way to become financially savvy is to surround yourself with like-minded people and resources. There are so many personal finance blogs, podcasts and books out there, you’re bound to find a ton that you like.

They only way to build a muscle is to exercise it daily. The same goes for your finances. Create a routine where you set aside 15 minutes every day to learn about personal finance so that you’re a pro in no time!

Check out Women in Finance or the Women Rock Money Challenge to get started!

Don’t be afraid to put yourself out there and take the financial reins.

I’m all about working as a family unit with a spouse on finances. But there are so many women (and men!) out there that choose not to be involved in their family’s finances. They expect their spouse to take care of it. But what if the unthinkable happens?

Arm yourself now, when you’re not under duress, with the ability to run your family’s finances. Does that mean you have to do the budget single handedly now every month? No. But if (God forbid) something were to happen, do you know what bills need paid and when? Do you know where to find all of the passwords, legal documents, and paperwork?

Empowering yourself with knowledge and the ability to take the financial reins can only improve your family’s outlook. Heck, you might even find a better budgeting method or ways to cut expenses.

It’s very important to know your worth and how it fits into your financial puzzle. Without it, you’re bound to fail and continue to keep yourself from living your life to the fullest financially. Work on making these adjustments to help boost your self worth and in turn, your net worth. You got this!

This post is part of the #WomenRockMoney Movement, a large group of female personal finance bloggers who have come together to inspire more women to learn about money. If you have money questions, or want support for your financial goals, learn more about how you can join us at the movement homepage. I hope to see you there!

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There's a tie between self worth and net worth. Here's why it's important to know your worth financially #selfworth #finances #personalfinance #networth

Do you recognize and know your worth financially? Learn why your self worth has an astonishing affect on your finances #WomenRockMoney #selfworth #finances #personalfinance #networth Any personal finance blogger will tell you that it’s important to know your net worth. But there’s another type of worth that’s just as important with finances: self worth. Why it's important to know your worth financially. #WomenRockMoney #selfworth #finances #personalfinance #networth

Billionaire Blog Club Review: Is It Worth It?

Is the Billionaire Blog Club Worth the Investment?

Update: 8/3/18: Enrollment for the Billionaire Blog Club is closing tonight, 8/3 at 9PM PST!

Update 7/24/18: If you are interested in signing up for the Billionaire Blog Club, it’s undergoing a huge change next month. Paul sent this in an email today:

The soul of BBC isn’t disappearing, it’s just moving to a new domain because the word “blog” is too limiting. It limits your mindset. It limits your strategy. It limits your revenue.

That’s why when the doors open up again for BBC this Friday it will be for the last time. The doors will stay open for a week and then they are closed forever.

The question is, should you get in now or wait for the new thing? The new site will continue the tradition of allowing you to buy lifetime access to all current and future courses with a single price. However, that price will not be $397 (like it will be Friday). Instead, think closer to $2999+.

You’ll be able to buy courses on an individual basis with the idea being that the basics to help you get started (Pinterest, SEO, etc) are more affordable than the more advanced courses (branding, product creation, sales funnels) that will take you to the next level. Essentially, as your revenue grows, you can continue to scale up the Momo course list.

Purchasing now also gets you lifetime access to the Slack community which is the gem of the Internet. You’ll also be able to purchase access to the community without purchasing a course but you’ll have to pay a monthly subscription fee.

Courses that will be inside of Momo when it officially launches:

  • Pinterest
  • SEO
  • YouTube
  • Instagram
  • Affiliate Marketing
  • Building Your Tribe / Growing Your List
  • Niche Selection
  • Building a Brand You Love
  • Creating Sales Funnels
  • Product Creation & Launch
  • Running a Service-Based Business
  • Using Facebook Ads
  • Ultimate Webinars
  • Amazon Kindle Publishing Success
  • Killer Content Creation
  • Google Analytics

Hopefully you understand why buying everything will cost you over $2,999 now. Every single course is being built from the ground up.

This doesn’t even go into the other features that are going into Momo. My goal is to help you get closer to your dream every single day so when the time is right you can jump into the Momo ecosystem.

Slide in at the $397 price before everything changes! Doors open 7/27 to 8/3.

 

Bloggers are often seeking out the next best course or ebook to boost their blogging game. Every blogging Facebook group has members asking for advice, reviews and feedback about different courses. Often found at the top of this list is request for a Billionaire Blog Club review and feedback.

I joined the Billionaire Blog Club, or the BBC as members refer to it, in December 2017. I was looking for a new Pinterest strategy to help boost my pageviews.

The BBC is run by a man named Paul Scrivens, who successfully runs a multitude of blogs in different niches. His blog topics include health and wellness, personal finance, beauty/fashion, and motherhood, just to name a few.

After reviewing several ebooks and courses, I decided to opt for the BBC due to the variety of content that was available. I liked that one price got me a lifetime membership to multiple courses and the Slack community, unlike the singular courses and ebooks that I knew I would not be likely to go back to. This would be a resource I could use daily.

I began by signing up for the free 12 day bootcamp email series to see if I liked the format, the way information was presented, and if I liked Paul’s personality and approach.

Want to know if the Billionaire Blog Club lives up to the hype? Read my thorough review on the good and bad of the blogging community. #billionaireblogclub #bbc #review

The 12 Day Blogging Bootcamp Email Series

I’m annoyingly tight with my money, so I wasn’t just going to cough up my hard earned cash by reading a couple of sales pages. I decided to start my journey by signing up for the free 12 day bootcamp series.

My blog has been up and running since July 2017, so I was past the majority of the information provided in the email series. A lot of it deals with the initial steps needed to get a blog up and running.

I was able to pull some new tidbits, tips and tricks from the emails that I hadn’t run into before. But what I liked even more was Paul’s bluntness in his emails.

He began, in the very first email, admitting that his goal was to convert me from a subscriber to a customer. And I appreciate that. He says that he doesn’t sugarcoat things, and that’s absolutely true.

What I’ve come to find is that blogging is a business. You can find people who are “yes men” and take your money, all the while agreeing with everything all the time.

Or you can find those rare folks that know it’s not about agreeing or pacifying others; it’s about being honest, treating your blog as a business, and doing what it takes to set it on the right path to succeed.

This refreshing perspective found in the email series drove me to eventually sign on for the full Billionaire Blog Club membership. While honesty can sometimes ding your pride just a bit, I feel it’s worth it in the long run to build a successful blog and business.

What is Billionaire Blog Club?

The Billionaire Blog Club is refreshingly different from any other courses, ebooks, or Facebook groups I’ve had the privilege to partake in. This is what makes it so unique:

First and foremost, it’s a community.

The BBC has a Slack community tied to it. If you’ve never used Slack, think of an IM app or chatroom that has categories. Members can post questions in the various threads (SEO, Pinterest, General, etc.) and other members can answer.

What makes this a unique feature is that Paul is generally in there all the time. If you need to ask him directly, you can reference him in your message and he’ll answer quickly.

I’ve used this to not only ask him questions directly, but to bounce ideas off of the other members. Bloggers from all levels of experience and backgrounds are present, making it an amazingly diverse and knowledgeable group.

The BBC is a resource center.

Think of a giant library of all of your blogging resources. Then triple it, and you’ll have the BBC’s resources. At the time of this writing, there are 123 lessons spread over 9 courses:

  • SEO
  • Boardbooster Masterclass
  • Niche Selection
  • Pinterest
  • Affiliate Marketing
  • Intro to Email Marketing
  • Google Analytics
  • WordPress
  • Content Creation

Each of these courses are comprised of lessons with videos. You are able to not only understand the content behind them, but you get real life examples in different blogging niches to help you apply them.

It’s an all-in-one strategic blogging resource.

Not only is the course content well thought out, it’s also easy to use to build a strategy.

For example, you learn how to find content ideas that will appeal to your audience. Then you learn how to search for keywords to use in your content, and build your SEO. Once the post is written, you apply design tactics to your Pinterest graphics, and strategically pin them to get the most traffic possible.

All of this creates a cohesive blogging strategy, helping you to build each article into a traffic magnet, creating a snowball effect.

Rather than just writing any old article idea that comes to mind, you learn to strategically pick topics that you know will build traffic, build readership, and ultimately build monetization.



What Makes Billionaire Blog Club Unique from other Courses

There are several pieces that make the BBC unique to any other blogging resources that can be found online:

Blogging Challenges:

For the month of February, Paul posted four challenges that we could choose to participate in:

  • Launching your blog and getting 10k pageviews
  • How to Reach $1,000 in revenue and beyond
  • How to gain your first 1000 subscribers
  • Creating your first paid product

Each of these challenges has a daily video with a blogging task associated it with. It’s a great way to break down big goals into smaller, more manageable bite sized chunks. Not to mention it’s a great motivator to reach for the next goal!

Community:

As I mentioned, the Slack community beats any blogging Facebook group, hands down. A large majority of members participate in discussions, and having access directly to Paul is worth its weight in gold.

Other BBC community perks include:

  • An exchange section where members can help each other with specific blogging tasks for community points.
  • A directory of all the members so you can message someone directly with questions.
  • A Pinterest Group Boards area where members can see open group boards owned by other members.

Paul’s experience in different niches.

One final piece that makes the BBC truly unique is Paul’s blogging experience and ability to analyze data. Rather than becoming a one-off blogger that specializes in one niche, Paul’s built successful blogs in multiple niches.

He’s also created a list of the niches that are most likely to make you money. Obviously some are easier to monetize than others, and he’s able to tell you what’s worked for him in specific instances, rather than in just one niche.

This gives him real world experience in the majority of niches and can tell you what’s really worked for him in that particular niche, rather than a blanket statement that might not apply to all niches. And he tells you what the best type of blog to start or best blog subjects that make money in because he wants you to succeed.



What I Love about the BBC

Videos. Lots and lots of videos.

I am a visual person. You tell me about something, I might be able to do it. You physically show me it? I’ve got it down pat.

I hate the lack of interaction with ebooks and some courses. With the BBC, I can see a descriptive video of Paul’s Pinterest or SEO strategy and apply it.

Slack and how easy it is to reach Paul.

I love the ability to ask questions and get direct responses from Scrivs. I can also email him directly and he answers quickly. The personalized response is awesome and I love that I know it’s specific to my situation, because he actually reads and responds to my specific situation.

I like mastermind groups.

I am a big fan of mastermind groups. The Slack community is similar to a mastermind group without the weekly structure of calls. If you want accountability, the members will volunteer to give it to you. If you want support, you’ve got it. You need tough love? They’re in. You need a more experience blogger to give you feedback? They’re there and participating.

It’s all encompassing, unlike one-off courses.

I truly have been able to understand and create a strategy for my blog. Previously, I was just writing about whatever topic I could think of every week. Now, I have a strategy for the long game.

What I Dislike about The Billionaire Blog Club

I’m not going to be one of those bloggers that just blow smoke and hope you’ll go with it. There are pieces of the BBC that I find difficult to keep up with. In keeping honest, these are the pieces of the BBC that I struggle with:

I don’t have the bandwidth to keep up with Slack.

Just like with Facebook groups, I check into Slack when I have a spare ten minutes every couple of days with the app on my phone. I just don’t have the bandwidth to read all the comments, all day long. And that’s ok.

I know that if I need to find something, I can use the search function to see if anyone’s discussed the question I have previously, or if I should ask again.

This does mean that I miss out on some of the comradery of Slack. I’m also an introvert, so putting myself out there on Slack can be a little difficult as well, but I’ve gotten over it.

While I’m not in on the daily banter, I do pop in on occasion to either catch up or post a question. Luckily Slack notifies me if I’ve been tagged in a comment.

All of the courses, challenges and community can be information overload.

With so many courses and so much information, it can be overwhelming at first, not knowing where to start.

A large majority of the courses almost intertwine, so it’s not super clear which to start first. Obviously, it’s going to depend on your particular situation. There are general path suggestions in the course instructions, and you can always adjust as you need to.

The amount of information can be overwhelming, but it’s really just up to you as a blogger to figure out what your weak spots are and prioritize them, so you can get them knocked out.

How the BBC has helped my blog game

I finally have a strategy and an overarching game plan.

I know what I need to do, I have a direction, and I have the tools to do it. Now it’s just a matter of me following through, and doing those steps over and over with each post I create.

I know which blogging activities that are worth my time, effort and energy.

Previously, I did so many blogging activities that just weren’t moving the ball forward. They weren’t increasing traffic or income, and they were sucking up so much time. Now that I have a better understanding of what really drives traffic and creates revenue, I have a better understanding of what tasks are going to get me there. And where to spend my time, effort, and energy.

I know how to apply this data to my specific niche.

Other courses and ebooks are generally written by bloggers that major in one particular niche. What works for one niche might not work for another. Rather than risk disappointment, I know that the methods tried by Paul apply to my niche specifically. And if not, I know how to test new ideas out to see if they will work or not for my niche as well.

If I can’t figure something out, I know who to ask.

Rather than posting in a blogging Facebook group and risking tons of random answers, I know I can go right to the source. If I don’t want to ask Paul specifically, I know which other BBC members are in my niche or have more experience than me and can provide feedback.

I’ve learned SEO, upped my Pinterest game, and know how to analyze my Google Analytics to see what’s causing traffic spikes or drops.

I’ve learned to get the hang of my data and utilize it to figure out what’s working – and what’s not – for my blog. I’ve not only picked up things like how to search for keywords, but I understand how to apply them and what makes a good keyword for my blog specifically.

I’ve learned patience.

Maybe it’s just getting more experience under my belt, but I’m learning to have more patience when it comes to blogging. I am understanding that traffic ebbs and flows, and there are seasons to Pinterest. I’ve learned to give new practices some time, and only then, to try and adjust them so that I can make the most of my time and effort.



My verdict on Billionaire Blog Club

Would I sign up for BBC again? Absolutely. The Billionaire Blog Club not only gives me all the knowledge I need to achieve my goals, but Paul is constantly updating the information and videos.

Unlike a singular course, it’s constantly being updated to reflect new information, and I’m able to access data that entails every aspect of blogging that any blogger needs from start to finish. No matter where you’re at on the blogging path, it’s clear that the Billionaire Blog Club is a great and inexpensive way to boost your blogging game.

Interested in joining the Billionaire Blog Club? Join here or sign up for the 12 day blogging bootcamp here.



Want to know if the Billionaire Blog Club community is worth the cost? Read my thorough review on the good and bad of the blogging community. #billionaireblogclub #bbc #review #bbcreview

Want to know if the Billionaire Blog Club lives up to the hype? Read my thorough review on the good and bad of the blogging community. #billionaireblogclub #bbc #review

How to Make Money Online: 50+ Brilliant Ways to Make Side Money Now

50+ Brilliant Ways to Make Side Money Now

Everywhere you turn, there’s a million articles showing us how to make money online as well as working from home. But a large majority of them are either scams, involve an insane amount of dedication to earn pennies, or you have to pay start-up fees.

Yeah, no thanks.

As we’re nearing the end of paying off our debt, we’ve trimmed back our budget as much as possible. Since we can’t find additional places to save, we have to figure out how to earn more in order to keep the debt snowball growing.

Which is all fine and dandy, but we both have full-time jobs. And two kids. And a household to run, activities to shuttle kids to, and – gasp! – want two seconds to sit on our duffs and relax. Crazy, I know.
Living paycheck to paycheck is stressful and exhausting. Here are 50+ brilliant ways to make money online right now and get out of debt! #debt #sidehustle #workfromhome #makemoney

I’ve freelanced and done side hustles since I graduated college in 1998. Maybe it’s the introvert in me (of course it is!), but the idea of going out and picking up a second job at Tim Horton’s or Macy’s or anything involving customer service makes me cringe. (Plus, I’d spend my paycheck on donuts and coffee, no question.)

I much prefer to earn extra money online, rather than picking up a second job at a store or office. This means that I usually end up doing freelance work as a web designer or developer, along with several other easier options listed below.

But what if you don’t have those skillsets, or the time to learn them? There are still plenty of legit ways to make money online, and still have time to relax in the evenings.

Here’s the ultimate list of how to make money online, grouped from easiest to most time consuming:

How to Make Money Online Fast

You can make money online fast with these. Though, one note to remember is that the easier something is, the less you’re make at it.

Survey Sites and Rewards Programs

Survey sites usually fall into one of two categories: either you just do surveys, or there are a variety of activities you can do to earn cash. The latter usually includes anything from watching videos, taking surveys, filling out forms, clicking through links in emails sent, to playing games.

  • Swagbucks is a great way to grab some extra cash while watching TV in the evenings or during some down time. It pays you for a variety of activities, including surveys, watching videos and signing up for different offers. I’ve done some in-home surveys through here that turned out to be pretty fun!
  • InboxDollars is very similar to Swagbucks as far as the activities involved. I felt like I made more on Swagbucks, but this is a nice alternative to try out as well.
  • Springboard America emails you when there are surveys available that match your profile. I really liked using this to earn gift cards, because it cuts down the possibility of not qualifying for the surveys, so you’re wasting less of your time. I like that it pays out both via gift card and Paypal.
  • Survey Junkie is very similar to Springboard America. You can pre-qualify for surveys as well as dig through a large inventory of them available. Points that are earned can be redeemed for gift cards as well as Paypal.
  • Vindale Research is different in that it has high paying surveys, which other survey sites generally don’t. You earn cash, not points with them, and can redeem by check or Paypal. Survey topics include sports, new technology, travel, shopping, health & beauty, restaurants, and home improvement, to name a few.
  • Survey Club is a fun site where you can sign up to be matched with available studies in your area. The studies include surveys, focus groups, phone interviews, and even daily polls. There’s an opportunity for a lot of variety here, and having done focus groups, I can say they’re actually fun. Earnings are paid out via PayPal, Amazon gift cards, or check.
  • MyPoints is a rewards site where you can earn points by shopping online, taking surveys, watching videos, reading email, and more.
  • Pinecone Research primarily involves doing online surveys, though they occasionally do in-home product testing and panels as well. Points can be cashed out through Paypal, check, a prepaid VISA, or you can use them to shop for products.



Sell unused gift cards to a site like Raise.com.

Raise.com is an awesome website where users can sell their old gift cards at the price that they set. They can be discounted up to 30% by the seller. On top of that, Raise.com runs specials that discount some cards even further. Amazing, right?

Now, I know exactly what you’re thinking – used gift cards, yikes! But before you jump ship, hear me out. The great part is that Raise.com has a 1 year guarantee for any card purchased. If it doesn’t show up (physical card), has less available than expected, or any other problem, you just contact them within a year of purchase and they’ll replace it. Easy peasy!

More importantly, there are no fees, sales tax, processing or shipping fees ever. So the price you see is the price you pay, period.

Use Ebates, Swagbucks, and TopCashBack on purchases.

  • Ibotta is an app that gives rebates for everything from groceries to alcohol to booking a hotel room. They’ve recently overhauled the app and have expanded the stores you can submit receipts from, including some online! To use ibotta, you just unlock the rebates you want after purchasing them, scan their barcodes, and submit images of your receipt. It’s that easy! Get $10 for just for signing up!
  • Ebates is a great cashback program for online purchases. There’s even a browser plugin so that every time you visit a site that gives cashback through Ebates, it alerts you to both rebates as well as discount codes for that site. Ebates offer rebates on a large variety of stores, and has recently included the ability to register your credit card so that your purchases in certain offline stores count as well!
  • TopCashback is very similar to Ebates and works well. It does take a little longer to get your rebates back, but they offer some great rebates. I usually check both sites to see which I can get the higher rebate back from before I make any online purchases.

Install Apps on Your Phone to Earn Money

  • Nielsen Computer and Mobile Panel will pay you $50 to install an app on your iPhone. Just install it and that’s it! The app measures your activity on your phone, tablet or other mobile device. The app won’t affect performance or battery life, and rewards include sweepstakes entries and cash, depending on how long you stay with them.
  • Google Screenwise Panel helps Google to understand trends in mobile and web usage. They then use that data to improve their products. You get paid per week that you have the extension installed on your browser, and can cash out your earnings for e-gift cards.

Side Hustles with a Qualification Process

These ways to make money online involved more than just creating an login; you have to go through an actual entry process. However, they might be a bit more work in the beginning, but they also pay more without a ton of commitment. 

Website Testing

  • Usertesting.com is a great way to earn money testing websites. You can easily complete the majority of tests in 15 minutes, and get paid $10 a test. You must submit a test review in order to get approved, but once you complete this, you’ll get emails when tests are available. Earnings are paid out exactly 1 week from when you uploaded your test. You’ll need a microphone in order to complete tests, as it records your voice and screen.
  • Whatusersdo is another website testing company that pays $5 a test. Again, you’ll need a microphone and to download their screen recorder. Upon submitting a test recording and getting approved, you can start earning. Earnings are paid out once a month on the 25th.
  • Enroll is unique in that it’s test are quick, such as deciding which logo you like better or clarifying content. You can take tests from any device, and will get paid through Paypal.
  • UserFeel lets you earn $10 for each test which lasts about 10 – 20 minutes. You’ll need to submit a qualification test to get approved. Payments are made through Paypal or Payoneer.
  • TryMyUI pays $10 for each approximately 20 minute test. Payments are sent out every Friday once tests are reviewed and cleared by their graders. 



Online Juror

If you’re a big fan of crime shows, you’ll love this. You can get paid to review legal cases from your home and provide feedback via an online questionnaire. You’ll be a mock juror and will help attorneys figure out how to try their cases. Online Verdict is one of several online juror websites that you can try out!

Data Entry

There are a ton of data entry jobs available online. Upwork is a great site for finding data entry, along with a ton of other freelance positions.

Sell Your Photography to Stock Photography Sites

Whether or not you’re a professional photographer, there are a lot of opportunities to sell your photos online to make some money. Payment is usually based per purchase/download of your photo. Some of my favorite stock photography sites are: iStockPhoto.com, Fotolia, and Deposit Photos.

Resume & Cover Letter Writing

I cannot describe how much I hate editing resume and writing cover letters. I’ve done this so many times in my life, and yet, I can’t seem to make my resume flashy enough, no matter how hard I try. I know I’d pay for a service like this, not to mention millions of other people!

Amazon MTurk

Amazon MTurk is a site where you get paid for performing simple micro-tasks. You do things like process images, data verification and clean-up, information gathering and data processing. The tasks are listed, and you choose which you want to complete. The longer the task, the greater the payout.

Sell Your Own T-Shirts (or Bags, or Mugs)

Merch by Amazon allows you to sell your own designs without any upfront costs. You create and upload your design, set your price, and Amazon handles the printing and shipping of what you sell. You earn monthly royalties based on your sales, and all without having to invest in product! Another similar alternative site is teespring.com.

How to Make Money Online for the Long-Term

If you’re going to invest the time into earning money at home with these side gigs, chances are you could look into making them a full-time career eventually.

Transcription, Translation, and Captioning Services

Rev.com offers a variety of services, including transcription, translation and captioning. You can choose your own schedule, projects, and get paid weekly. You’re considered a freelancer, but work with a team to grow your skillset. Pay varies based on abilities and role:

  • Transcriptionist: $0.40 – $0.65 per audio minute
  • Captioner: $0.40 – $0.75 per video minute
  • Translator: $0.05 – $0.07 per word

Search Engine Evaluator / Internet Analyst

Leapforce offers a variety of freelance positions, including search engine evaluator and Internet analyst. They required more work hours than other side gigs, but also pay a bit more per hour. You have to go through a qualification process, and knowing additional languages is a plus. There are no set hours, and their positions are flexible so you’re able to work around your personal life.

Proofreading & Copy Writing

If you’re a writer-at-heart, there’s lot of copy that needs written or proofing. You can work for anyone from bloggers to large companies all from the comfort of your couch.

Become a Blogger

I do not suggest this lightly. At all. Blogging is a ton of hard work, but once you start hitting your goals, it’s amazing. Check out my resources page to see what programs and blogging tools I recommend.

Pinterest VA

Both bloggers and companies often hire virtual assistants to help with their Pinterest accounts. Being a Pinterest VA does require some online courses, but the pay is worthwhile. You can easily build a business out of spending your day on Pinterest for several clients!

Social Media Manager

Like a Pinterest VA, companies pay to have someone handle their social media accounts. Often, being a social media manager means writing content, setting goals, SEO and developing brand awareness.

Affiliate Marketer

Affiliate marketing is selling someone else’s product and receiving a fraction of the sale. There are several different ways you can do affiliate marketing, but the easiest is through Pinterest or your own website/blog. With Pinterest, you can create a pin that links directly to the offer. There’s a lot of ins and outs, but also a ton of affiliate programs out there. Start by promoting products you love to make it even easier.



Virtual Assistant

A virtual assistant does anything from scheduling appointments and meetings to answering emails to creating presentations. The job duties, hours and pay vary greatly depending on each position, but at least you know it wouldn’t be boring!

Website Design & Development

With the evolution of HTML, CSS, and CMS setups, website design and development is becoming easier and easier. CMS systems such as WordPress allows you to launch a website in hours, complete with the bells and whistles. Even with minimal knowledge, you can easily get paid to set up websites for others.

Etsy Seller

Etsy provides a great platform for designers, crafters and the like to sell their products through their online store platform. If you already create products, but are struggling to reach the right audience, Etsy might be the perfect platform for you!

Bookkeeping

Companies big and small need bookkeepers. If you already know how to run books, you’ll have no trouble finding work. A lot of the positions online are looking for hourly freelancers with experience working in Quicken or Quickbooks.

Start a YouTube Channel or Podcast

It is impressive how many people are creating their own income by running a YouTube channel or podcast. If you’re not shy about being in front of a camera or microphone, creating a videos or a podcast can lead to some big earnings.

Become an Online Teacher

VIPKid is a company that provides international learning to Chinese children. It is one-on-one language and content classes, done from the comfort of your home to theirs. The qualification process can be tough, and a large majority of applicants don’t get approved. But if you make it past the enrollment process, the pay is great and hours are flexible.

Amazon FBA

Amazon FBA is a fulfillment service that you can use when you sell your products through their site. You send your products to Amazon, which they store at their fulfillment centers. When one of your listings sells, they pick, pack and ship the product for you, cutting out the extra work for you.

Some entrepreneurs are able to “flip” products by finding them discounted or on closeout, and then resell them through Amazon FBA. Learn more about Amazon FBA here.

Online Customer Service Rep

There are a ton of customer service jobs online, everything from answering inbound calls to online chats. Often the hours are flexible and the pay scale can vary, based on each company’s requirements.



Websites to Find Online Side Hustles

These are the best website to start your online side job search:

No matter what your commitment length or skillset, there’s a way for you to make money online. You just have to figure out what works best with your schedule, and how much time and how big of a learning curve you want to commit to.

I suggest mixing it up between two or three methods, so that if one dries up, you’re still able to make side money in another way. Plus, it’s a great way to keep from getting bored! Remember, every little bit of income helps with debt repayment!

Love this? Check out these articles on  Shortcuts to Finding the Perfect Side Hustle Fast or The Ultimate List of Best Side Hustles that Aren’t MLMs!

Do you have a suggestion on how to make money online that I haven’t mentioned? Adds yours in the comments below!

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The Ultimate List of Best Side Hustles that Aren’t MLMs

The Ultimate List of Side Hustles that Aren't MLMs

The easiest way to pay off debt is by finding the best side hustles that fit your schedule. There are a billion side hustle opportunities out there, everything from proofreading to delivering pizzas. Some involve learning a new skillset, while many others have costly start-up fees to get going.

MLMs (multi-level marketing) is a marketing strategy where not only does your income depend on your commission from sales, but also on getting others to sign up underneath you, so you’re earning a bit of their profits as well. Think companies like Avon, Tupperware, Pampered Chef, etc. You know what I’m talking about, right?

While I’m not personally against MLMs (as I’ve said before), they work for such a small percentage of people. Why? Because not everyone’s built to be a salesperson. If you don’t have the right skillset or personality, it’s easy to never make back the start-up money that you invested. Not only have you lost our on your time and energy, but you’ve lost out on even more money than if you’d done nothing at all.

While I believe that you have to invest money to make money, starting the best side hustle for you shouldn’t cost an arm and a leg. It also shouldn’t be a steep learning curve to getting yourself up to snuff in order to make money. When choosing the best side hustle to pursue, you need to think about your return on investment. If you’re not looking to create an optional side career, and just need to make quick money, remember to keep things simple.

I’ve gathered a list of easy and low cost side hustles that aren’t MLMs to get you started quickly on your path to debt repayment! Continue reading

How to make money fast: Finding the perfect side hustle

Let’s be honest – anyone looking to start a side hustle wants to learn how to make money fast, right? There are several items to take into consideration before just jumping into one though. Nothing is more discouraging than trying a new side hustle, struggling with it, and giving up. That’s a financial freedom killer right there.

Below is a list of ways to help you find a side hustle not only faster, but also something that’s going to work for you. Consider these points when you’re looking to pick up extra work, and you’ll not only get work quicker, but you’ll be more likely to stick with it. Continue reading