Cat is the go-to personal finance expert for educated, aspirational moms who want to recapture their life passions, earn more, reach their goals, and take on a more active financial role in their families.Cat was named the Best Contributor/Freelancer for Personal Finance in 2014, and over the past few years her writing and financial expertise have been featured in dozens of notable publications like The Wall Street Journal, Yahoo! Finance, U.S. News and World Report, and many more.
If it’s not clear yet, information and expertise are two of the most consistent and lucrative ways to make extra money online. If you don’t like talking on the phone, you can sign up to get paid to answer professional questions on JustAnswer. There are thousands of questions being asked every month from people looking for help from lawyers, doctors, mechanics, vets, and more. To apply, you’ll need to supply your professional verification, resume, and a form of identification.
Seek a payday loan or title loan as a last resort. Companies that offer payday and title loan services offer high interest rates (sometimes with percentages in the hundreds). If you cannot pay the loan and any interest back within the stated timeline, you risk even higher interest costs or, in the case of a title loan, the loss of your car. Avoid these types of loans in all but the direst circumstances, unless you are certain you will be able to pay the loan back.
Be professional. When you submit a résumé, don’t type it in ALL CAPS and please don’t avoid the caps lock like the plague. Know how to use it without looking incompetent. Write in complete sentences with proper grammar. Of course, there will be exceptions, but even with the exceptions, you must keep it professional. You’re building their view of you.
How to Get It: Check out K12 (K12.com) and Connections Academy (ConnectionsAcademy.com). Both organizations offer various benefits — including health insurance, retirement savings accounts and paid time off — depending on where you live. As in any job where you work with kids, there will be a background and reference check as well as interviews. You may also need to be licensed to teach in the state where the students reside.
Still, many people need more than that to retire, let alone feel flush in retirement — so over time, that $500 monthly investment needs to increase. The best ways to do that are by investing any windfalls you receive or — better yet, and — increasing how much you save by 1% or 2% each year. A windfall might be any influx of cash you receive infrequently, such as a tax refund or employer bonus.


Research individual companies in your desired niche: If possible, it’s always better to become an affiliate directly with a company (if they have an internal affiliate program), as no one else will be dipping into your commission rate. This is the preferred route for most of the prominent affiliate marketers, including Pat Flynn. Unfortunately, it’s also the most work, as you’ll have to do the research yourself to see who offers programs (they’re usually listed in the website footer).


The cash back industry is ruthlessly competitive, isn’t it!? All of these apps want new users, which means you can load up on welcome bonuses. The Ibotta app is another opportunity to get a bonus: they are giving people $10 when they sign up. Unlike the other apps mentioned in this article, Ibotta specializes in getting you cash back at grocery stores.
The Ibotta app gives you cash back on the groceries you already buy. Some deals are brand specific, while others give you cash just for purchasing a certain type of item, like a loaf of bread from any brand. Choose your deals before you check out, then submit a picture of your receipt and get paid via Venmo, PayPal, or gift cards. Sign up with Ibotta to claim your $10 welcome bonus.

20. Etsy – If you like to create arts and crafts, you can sell them on Etsy.It’s completely free to open an Etsy store. You simply sign up, post pictures of your creations and starting selling. You can choose your payment option, but PayPal is generally the easiest. Etsy makes it easy to sell and keep track of your inventory. There is a small listing fee and they take 3.5% of every sale you make.

The prep work before you open up shop is more time-consuming. You need merchandise to sell, photos and descriptions to post, a name for your shop and a business plan to help you succeed. Once that’s done, you’ll still need to find customers. Depending on what you’re selling, that could take weeks, which is why you should expect the overall time for this gig to be slow.
Change jobs and employer. Once you've gotten some experience under your belt, consider finding a new job. By changing your environment, you can increase your pay and experience different corporate cultures. Don't be afraid to do this several times. If you're a valued employee, it's also likely your current company may offer you a raise or other benefits if they know you're looking at leaving.
Wells Fargo is offering an all-around terrific credit card that hits high notes in every category. The Wells Fargo Cash Wise Visa® Card includes a $200 cash rewards bonus after spending $1,000 in the first three months, 1.5% cash back on all purchases, a 0% intro APR on purchases and qualifying balance transfers for 12 months AND added benefits like cell phone protection. Read review
City-dwellers often don’t use their cars for days or weeks at a time. That idle time can translate to money with services like Getaround and Turo, which let you rent out your car by the hour or day. Earning potential varies by car and location, but standard vehicles typically rent for $30 to $50 per day. Luxury cars and sport-utility vehicles command even more money. Just be sure you talk to your insurance provider before signing up to make sure that you don’t run afoul of the policy.
And while it will take time to build up a big-enough audience to attract advertisers and other ways to make extra income from your podcast, the opportunity is there. John Lee Dumas interviews entrepreneurs seven days a week for his podcast Entrepreneur on Fire and now makes more than $200,000 a month from it. In fact, John publishes all his income online and showed that he’s made almost $13 million since launching in 2012.
What It Is: Transcription essentially involves you listening to audio files and typing out what you hear. Easy enough, right? Companies usually hire transcriptionists without much experience, so some job postings might only require you to have a computer and keyboard to get started. Transcription jobs can vary from transcribing a college lecture to a doctor's medical dictation, while most companies allow you to make your own schedule.
Social networks are a hot spot for work-at-home danger. One company called Easy Tweet Profits claims you can make up to $873/day online. They even claim one person earned $400,000/year using their method of tweeting your way to success. The catch? By signing up for their program you agree to be charged just under $50 per month! There are a whole host of other companies with similar names (usually involving “make money” or “make profits”) that suggest social networking can be a cash cow. But their game is all the same: Whether you’re talking about something you see on Craigslist, eBay, Facebook, Twitter or whatever’s the next hot thing, you’ve got to be wary.
Keep in mind though, you don’t need a website to do sponsored content since you can also get paid if you have a lot of social media followers. My wife has a pretty big Instagram following, and she gets all kinds of sponsorships. Not only does she get paid in cash, but we get a lot of free stuff, too. We’ve received free rugs, free lights, and free carpet cleaners. She only promotes things she loves though, so this strategy works really well for her.


If you want to become rich by your 30s, you should be looking at wealth-building opportunities that pay off quicker than traditional long-term investments. One of the best ways to do this is to get into the entrepreneurial game and own your own business. Once you own a business, you have unlimited potential to earn, although you also assume more risk.
Has anyone ever told you you have a voice for radio? Are you great at creating original characters with just your voice? There are tons of people looking to pay for quality voice overs for their corporate videos, animation series, or educational videos. Check out Fiverr and UpWork or create a profile on a specialized site like Voices.com or The Voice Realm to get started making money online doing voice overs.
While Etsy is fantastic for handmade goods that you’ve already created, if you’ve got killer designs that would look good on phone cases, t-shirts, or even wall hangings, pillows, and duvets, you can sell them on Society6 without paying anything to start. Society6 lets artists upload their designs and create their own shops where they choose what products their designs can be used on. That means one design can be used to make a whole range of awesome products that are printed and shipped on demand whenever someone buys from you. With top creators making thousands every month just from selling their designs.

First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.
Rent out a room on Airbnb. Living near a tourist area has its perks, including the prospect of renting out a room for a profit. With home sharing sites like Airbnb, you can rent out a room in your home – or even the entire place – for a day, a week, or longer. If you have extra space and might enjoy the company of travelers, renting out a room is great way to earn some extra money with little effort on your part. See our post, “How to Make Money as an AirBNB Host.”
If you’ve got expertise in a certain area, package up your knowledge into an online course and sell it. This has become a very popular business model for online entrepreneurs over the past several years. The two big websites that are used to sell online courses are Udemy and Teachable. Check out this awesome article by Regina on How to Create an Online Course that Sells.
If you’ve got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Instash, Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.
When it comes to starting a business, there are three important factors that define the potential. The innovative idea, executive team and markets. Markets have an especially big impact, because only businesses that operate on big markets, preferably in fast-growing industries, can become big and profitable. You must never forget that markets always win.
Don’t let people put you down. You can become rich as long as you know your path were your going and know what your doing. Anyone can become rich, here’s some idea of becoming rich, catering to the rich people, selling private jet planes to people. Make your own websites and when it has a value sell it off, but to whome? see the problem here is that you got to know the right people, and talking about makeing websites believe me, you can sell your websites for 10million and or less it really depends on the value and effort of time that you put in it.Ex,Look at tom a Young adult who is the maker of myspace. everyone thought that myspace probably something thats going to be laim but Tom waited and as time goes by the whole world know’s about myspace now. And lets see he sold his website to some rich company for 2million and he’s living off from the money. and talking about lottery believe me there is only a 00.001/2 chance of winning only don’t dream about it.

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If you are particularly good at somethings, say map design, capable of creating a series of video lessons, you can become a tutor at SkillShare. You’ll be in good company with folks like Seth Godin and James Franco among others. SkillShare tutorials and 30 days teaching challenge will help you create a winning video tutorial. Your earnings will depend on the popularity of your course, but even low attendance will let you earn some decent money.

When I started to work from home, I missed talking to people. A lot. But I soon found a friend. Every day, I would hear the UPS guy gunning his motor as he drove down my long driveway to deliver my packages. As soon as I would spot him, I’d fly out of the house and chat him up. And now he leaves the packages by the curb. Sure, the one big bonus of working from home is that it gets you away from the petty office politics and never-ending gossip.
Instead, try scratching for free using an app called Lucktastic (Lucktastic is called Lucktastic Match on iOS). Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $1 to $10,000. You can also earn tokens that you can exchange for free gift cards to retailers including Amazon, Walmart, Kohl's, Sephora and more.
Monevator: I don’t think a net worth goal is the way to go either, but a lot of people put stock in a number (it’s an easy concept for a lot of people who are new to personal finance). Personally I’m going for exactly what you mentioned – the crossover point where my investments are earning me more money in passive income than my day job. That is when I will feel financially free.
Now next, you’ll want to pick a WordPress theme from somewhere like ThemeForest, Elegant Themes or OptimizePress. This is the barebones design of your site, which you can then customize with your own branding, copy, and images. That being said, you don’t want to cheap out. It costs less than $100 to buy a theme that will make your website look professional (and you can upgrade to a completely custom design once you get the business going).
Becoming a millionaire is such a popular topic. However, sometimes we overlook living a fulfilled life and just want that label, millionaire. We must endeavor to live a productive life by seeking to better those around us. If you have the vision, create a product, pump in passion and deliver to make things better for people. That is one sure way of becoming a millionaire. Most of the million dollar persons we hear of today have added value to people’s lives: Bill Gates, Sergey Brin, Larry Page and Me, Mcneri! Add value, live your life and IT WILL COME.

Etsy is the most popular online marketplace for handmade goods and crafts. From bracelets to phone cases, rings, furniture, and more, Etsy is perfect for anyone who is creative and wants to sell their handmade creations. As long as you have the space, this can make for one of the best ways to make money online that can be started with a very limited investment. Consider these 5 steps to starting an Etsy store, from Handmadeology.

Whether it’s an important consumer application, a specialist app to solve a particular niche problem, or even a time-wasting game you can play on your phone, you can create a massively successful business if you build software that helps people. (Look at the rise of Slack—the team communication software that went from side project to billion-dollar company in just 2 years.)


If you are particularly good at somethings, say map design, capable of creating a series of video lessons, you can become a tutor at SkillShare. You’ll be in good company with folks like Seth Godin and James Franco among others. SkillShare tutorials and 30 days teaching challenge will help you create a winning video tutorial. Your earnings will depend on the popularity of your course, but even low attendance will let you earn some decent money.
Whether you want to become your own boss, start a side hustle, or earn extra money on the side, any of the strategies listed above can help. By finding ways to increase your income, you can free up more cash to pay down debt, save for the future, or invest for retirement. Saving money is only half of the equation. And if you truly want to get ahead, you might want to figure out how to make money – and hopefully, lots of it.
Change jobs and employer. Once you've gotten some experience under your belt, consider finding a new job. By changing your environment, you can increase your pay and experience different corporate cultures. Don't be afraid to do this several times. If you're a valued employee, it's also likely your current company may offer you a raise or other benefits if they know you're looking at leaving.

Once you’ve gathered a list, put together a template outreach email (as you’ll be doing this over and over) that’s short and clear with expectations. Tell your potential interviewee who you are, what your podcast is about, and what you’re asking of them. Do a few test interviews with friends and family to make sure everything is being recorded at the quality you want and then book your first episode.



How to Get It: GoFluent.com is an English training company working with 12 of the world's largest corporations. There are also jobs out there for English as a Second Language (ESL) teachers, which are more structured. Visit ISUS (iSpeakUSpeak.com), a placement and training company. While a degree in education or ESL is ideal, you are encouraged to apply if you are enthusiastic and articulate.
For example, a $200,000 mortgage on a 30-year loan will cost you another $186,500 in interest payments, so you are actually paying a total of $386,500 over the course of 30 years. On the other hand, if you are willing to pay a few extra hundred dollars a month (for example, $350) by refinancing to a 15-year loan (usually at a lower interest rate), you could pay your mortgage off in only 15 years, and the best part is you would save yourself a whopping $123,700 in interest. That's money in your pocket. Talk to a loan officer about your options.

Video is growing like crazy. And more and more people are looking for professional help cutting their raw footage into viral-worthy content. If you have the right software and a bit of skill, you can easily make money online as a video editor. Check out these article of Fstoppers on how to become an online video editor and then look for relevant jobs on Mandy.com, Creative Cow Job Search, or ProductionHub.

I’ve been employed since the age of 14, and now, some 43 years later, I’ve been forced to end my beloved career because of chronic pain (I’ve endured 8 spinal surgeries which included the replacing my lower spine with a titanium rod) and my constant struggle of ensuring my depression remains totally in remission, has left me with an existence rather than a life.
If English isn’t your first language, no worries, italiki also invites French, Italian, Chinese, Spanish, Russian and more native speakers to join. You’ll have to fill in a detailed application form, get it approved and afterwards create a professional looking profile, suitable schedule for you and different courses you offer. The service will handle the rest – scheduling, marketing payments and so on.
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Another advantage of having some cash savings is the ability to use the money for investments or other large purchases when you come across a good deal. This could be a something like an investment, property, or just a good deal that saves you thousands of dollars on a major purchase. Take advantage of these principles and save money whenever possible.
Obviously, getting rich isn’t the quickest process, but it’s worth it in the end. You will have to do a lot of sacrificing though. You’ll have to cut back on spending. You’ll have to spend time, money, and energy on yourself and your ambitious business goals. You’ll have to work hard and hold yourself accountable which is something you might not have been doing so strictly before. But in order to make it big, you’ve got to risk it big. This means that in the beginning stages you’ll probably be pretty tight on money, you won’t be going out as much, and you’ll be committed to yourself. But in the end, it’ll all be worth it.
Don't spend money on stupid stuff. It's hard enough making a living. But it's hard and painful when the things you spend your hard-earned cash on are financial black holes. Reevaluate the things you spend money on. Try to figure out whether they are truly "worth it." Here are some things you probably don't want to spend that much money on if you plan on becoming rich:
The cash back industry is ruthlessly competitive, isn’t it!? All of these apps want new users, which means you can load up on welcome bonuses. The Ibotta app is another opportunity to get a bonus: they are giving people $10 when they sign up. Unlike the other apps mentioned in this article, Ibotta specializes in getting you cash back at grocery stores.
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That being said, life in your 20s and 30s is not without its challenges; you might have student debt, a tenuous career, and dozens of unknowns that keep you from doing everything you'd like to build your wealth faster. There's no straightforward way to guarantee yourself a rich future, but these seven strategies can help you do it while you're still young.
Using a food delivery service can’t necessarily earn you money, but it can help you save you money if you constantly find yourself throwing out half the food you buy. Food delivery services send a box of food every week with new, sometimes unique vegetables, meat, fruit, and so on. If you don’t have time to shop and want simple meal-prep that leads to a good meal, a food subscription service may be perfect for you.
When I started to work from home, I missed talking to people. A lot. But I soon found a friend. Every day, I would hear the UPS guy gunning his motor as he drove down my long driveway to deliver my packages. As soon as I would spot him, I’d fly out of the house and chat him up. And now he leaves the packages by the curb. Sure, the one big bonus of working from home is that it gets you away from the petty office politics and never-ending gossip.
It’s also a good time to take advantage of the gig economy. Can you play an instrument, repair clocks, tutor someone in math, plan a party, paint signs, repair decks, or write calligraphy? Think far and wide about what you’re good at, and write an ad for yourself. Chances are, someone out there needs your expertise, no matter how small or inconsequential you consider your talents to be.
Even though risk-taking is a generally rewarding strategy in your 20s and 30s, it's also a good idea to diversify your efforts. Don't build up just one skill set, or one set of professional connections. Don't rely on one type of investment, and don't gamble all your savings on one venture. Instead, try to set up multiple income streams, generate several backup plans for your goals and businesses, and hedge your bets by looking for new opportunities everywhere. This will protect you from catastrophic losses, and increase your chances of striking it big in one of your ventures.


Better yet, you can even upload your own book to one of the world’s largest book sellers: Amazon. With Amazon self-publishing, you set the price, retain the rights to your book, and get access to Amazon’s massive audience. For every sale, you keep 70% with Amazon taking the remainder as a fee. If you want to get started, check out Leslie Samuel's great guide to selling eBooks online or follow Tara Gentile on CreativeLive as she shows you how to use your existing body of work to write an eBook within the next week. Who knows, you might just write one of the best business books of this year!

401k: Be sure to take advantage of your employer’s 401k plan by putting at least enough money to collect the employer match into it. This basically means that for every dollar you contribute, your company will match that (pre-tax!). This ensures you’re taking full advantage of what is essentially free money from your employer. That match is POWERFUL and can double your money over the course of your working life:
This isn’t to scare you off. I simply want you to know that this guide is going to focus solely on ways to make real, sustainable extra income online. Not just a few bucks. I want to share all the mistakes I've made that got me to where I am now so that you don’t have to go through them, and can build a successful online source of income for yourself.
Invest your time. For example, you might like having free time, so you give yourself a few hours a day to do nothing. But if you were to invest those few hours into getting rich, you could work towards having 20 years of free time (24 hours a day!) with early retirement. What can you give up now in exchange for being rich later? Investment advisor Dave Ramsey likes to tell his radio audience, "Live like no one else today so that you can live like no one else tomorrow."
Etsy is the most popular online marketplace for handmade goods and crafts. From bracelets to phone cases, rings, furniture, and more, Etsy is perfect for anyone who is creative and wants to sell their handmade creations. As long as you have the space, this can make for one of the best ways to make money online that can be started with a very limited investment. Consider these 5 steps to starting an Etsy store, from Handmadeology.

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If you're unfamiliar with the concept of arbitrage, here's how it works. Wikipedia describes an arbitrage as effectively, "the practice of taking advantage of a price difference between two or more markets: striking a combination of matching deals that capitalize upon the imbalance, the profit being the difference between the market prices." Clothier was able to identify arbitrage opportunities in the grocery industry with precision. 
Also keep in mind that communication with a telecommuting team requires an extra layer of crystal clear clarity. Since almost everything is done via email (and there are no facial or body clues to read), you’ll need to make sure that you mean what you, um, type. I’ve found that shorter, more succinct sentences go a lot farther than long-winded soliloquies.

Set up a roadside stand. Depending on where you live, you could profit handsomely by setting up a roadside stand. If you live near a resort area, for example, you could buy cases of bottled water, put them on ice, and sell them to passers by for twice what you paid. Selling fruit and produce you grow yourself is also a smart idea in highly-traveled areas.


The hardest part about saving money is actually transferring the funds out of your checking account and into a savings or emergency fund. No one wants to see their savings account drop without an immediate benefit! But with Rize, you can automate saving so you never have to think about it. Just set a savings goal and a date, and Rize will do the rest.
I’m a huge fan of blogging because I love writing and connecting with people all over the world. To give you an idea of what is possible with blogging, DollarSprout.com is part of a group of blogs that routinely brings in over $100,000 a month in revenue. While it takes time to build your blog up to that income level, you can get the initial set up done in under 30 minutes (no experience needed).
SME; LatinAutor - Warner Chappell, BMG Rights Management, BMI - Broadcast Music Inc., ARESA, AMRA, Kobalt Music Publishing, LatinAutor - PeerMusic, Reservoir Media (Publishing), EMI Music Publishing, Abramus Digital, CMRRA, LatinAutor - UMPG, Warner Chappell, UBEM, LatinAutor, PEDL, SOLAR Music Rights Management, LatinAutor - SonyATV, UMPG Publishing, UMPI, and 18 Music Rights Societies
Thank you for all the advice you offer. Im only 23 years old and stumbled upon your writing on debt management a few months ago and have already reduced my debt by 30%. People may knit pick at what you say but the underlining is always the same…less debt+saving and investing leads financial freedom. I look forward to continuing to read what you have to say and making these millions with you brother.


The principles that I have followed out of grad school seems to have correspond to the article. At my age as part of the mid-end of the gen X, it seems that reaching the status of millionaire doesn’t reduce the anxiety of how to provide for the family. I still worry about the same things as before, but at perhaps at a different level. I admit getting to the first million was relatively easy with luck and good planning, but I thought I would have been much better off by now. It is also very tough to maintain with a bad economy. Forget about buying the Lamborghini or the large estate, it’s time to hold what you have.

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