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Work Work From Home

5 Effective Skills to Build a Freelance Career In 2022

In 2022, freelancing is one of the most lucrative ventures you can embark on. However, the market size is already quite a huge pool of extremely talented professionals in every sector, making it apprehensive for new entrants. If you’re wondering whether or not you can still hop on to the bandwagon and build a freelance career, the answer is a resounding yes. Here are five skills you need to build if you want a solid career in freelancing.  

Freelance Career

Skills to Build a Freelance Career

Writing and editing

Today, copywriting and editing are two of the highest-selling talents that you can monetized across several industries. However, there not everyone is a fantastic wordsmith from day one. You can also build writing skills in the work every day. Start by writing 300 words daily on an application like Microsoft Word and build it up. Another skill ancillary to copywriting and editing is how to use Office 365, which is a staple among expert freelancers. Sometimes you may come across unforeseen glitches like editing errors, but helpful sites like https://setapp.com/how-to/fix-office-365-mac-editing-error can assist you to fix it immediately. This way you also save time and consulting fees from technicians while becoming self-sufficient. Once you learn how to navigate it, you can create amazing copies that represent brands.  

Use online courses to upgrade your skills and start your freelance career

Once you have decided which skill you’d love to turn into services or products for your clients, it’s time to refine it. Often, our communication or marketing skills become rusty. Or, you may want to freelance in a completely new set of skills such as application designing. Research free courses that can teach you skills such as coding, content writing, and DIY creative crafts to build your freelance career. 

Build an impressive portfolio

A freelancer needs to find a customer base, but the challenge for new freelancers is often winning new clients over. Well, here’s a method that helps! Your potential customers need to see your offerings before they take up your expert services. This is why you need to build a winning portfolio. Take the time to work on some independent projects that you can proudly showcase on your website and portfolio.  

Find your ideal clients

The power of the WWW is such that you can reach out to people across the globe to opt for your business. As freelancers, the sky is the limit regarding the number of clients you can entertain. However, finding the right match is a bigger concern, which you can easily filter. Use professional gig sites to search for people seeking your expertise and filter them accordingly. 

Build an impressive pitch

Speaking of a pitch, you need to keep working on your selling plot so that it stays fresh and personalized at all times. Create a basic structure that you’d follow, but don’t let the language stay static. Instead, do your research to modify your pitch as per your prospect’s pain points and offer them tailored solutions. 

Wrapping Up: Building your Freelance Career

Knowing that you can build an incredible pool of skills is a great motivator to work towards financial independence. The current decade of 2020-2029 is one of the best times to monetize your talents and make a living out of them through freelancing.

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Finances freelance writing Work From Home

4 Things That Might Be Getting in The Way of Your Freelance Writing Career

Freelance writing can be a varied and enjoyable career. But if you aren’t approaching it in the right way, you could interfere with your chance of success. If you want to be successful, you’ll want to be aware of what might get in the way of your freelance writing career. Here are some examples that may apply to you.

What’s Getting In The Way Of Your Freelance Writing Career?

Self-Doubt

Many writers suffer from self-doubt and would say it’s something of an occupational hazard. If you know that you tend to doubt yourself considerably, you want to look into this to ensure that you are changing it. That might be easier than you think, but the point is that you are working at it every day. Try to recognize negative self-talk and work to prove yourself wrong. Often that is enough to start boosting your career.

A Cluttered Mind

If you struggle to get many words down when you sit down to write, then you might have too cluttered a mind. It could require that you empty your mind a little. You can clear your mind in several ways. First, look at how you feel when you sit down to write. If you have lots of intense emotions that get in the way, you might want to deal with them using the accepted DBT method or a similar alternative. Then you can keep your mind on track to write well.

A Lack Of Discipline

One of the difficulties of freelance writing is that you have to have a lot of self-discipline. Until you have developed that trait, you might struggle to make it work for you. Not having enough discipline will mean that you don’t get much done. Do whatever it takes to keep on working at it, and you’ll find the results can be profound.

Poorly Defined Audience

Finally, remember that you need a clearly defined audience if you hope to sell your writing effectively. To define your audience, you have to have a good idea of what kind of niche you write in. It should be something that you are completely and utterly passionate about. As long as you write about something you care about, you’ll find that the career develops naturally.

Your Freelance Writing Career

As a freelance writer, you must realize what you do that interfere with your success. Develop good habits and address issues immediately. Then, you can have a successful freelance writing career.

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Adulting Finances

Is Car Flipping A Smart Money Making Scheme?

Are you looking for the right side hustle? A great side hustle will ensure that you have extra money to fall back on when you need it the most. It allows you to avoid a situation where you have to borrow money from the wrong source. It can also be the key to improving your quality of life. There are lots of side hustles worth exploring. One option would be car flipping, but is this the right choice for you? 

What Is Car Flipping?

Car flipping is just like house flipping. You buy the car, fix it, and sell it for a sizable profit. People who have a strong familiarity with cars are great at this and do it all the time. However, there are some factors that you must consider before committing to this possibility. 

Is Car Flipping A Smart Way to Make Money

Choosing The Right Cars

First, you must make sure that you are flipping the best vehicles. If you choose the wrong cars, you get stuck with a massive money pit. Don’t be afraid of choosing an expert to take with you when buying cars that need fixing up. They can help you avoid ending up with a dud.

Sourcing The Parts

Next, you should make sure that you can source the parts required to fix up the vehicles. There are various suppliers online that sell spare car parts. However, if they aren’t up to quality standards, it doesn’t matter how cheap they are. They’re always going to cause you some nasty headaches down the line. You can learn all about car stuff, including the right parts, by exploring the best guides. 

DIY?

You might also want to consider the issue of DIY. If you plan to fix up the cars yourself, there’s nothing inherently wrong with this idea. However, something to be aware of is that you need to deliver the best standard of work. If cars get returned because there’s an issue with the completed work, it will lead to a huge loss rather than a solid profit. If you hire professionals, you need to fit a service like this into your budget.

Responsibilities

Think about the responsibilities that you have when flipping cars. If you flip multiple cars, you will classify as a professional. By classifying as a professional, ignorance won’t be an acceptable excuse if you sell someone a bad car. You must make sure that a car is of standard or high quality before selling it. 

We hope this helps you understand why car flipping can be a wise money-making scheme. By exploring the options here, you can guarantee that you earn money with each flip. 

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Adulting Finances For the Home Home How To Life

3 Ways Decluttering Your Home Can Make You Money

Clutter can be a problem for any household, and there are many reasons you should clean it up. One of the most convincing reasons is that decluttering your home can make you money. Whether you need a bit of cash to help pay your household bills or you’re looking to sell a collection of things that you know are worth a lot of money, decluttering can be a surprisingly good way to make money.

How Decluttering Your Home Can Make You Money

1. Decluttering Means Spending Less On Storage

Since you won’t have to continue buying things to store your items, decluttering can save you a ton of money. Whether it’s buying new shelves, storage boxes, or renting a storage space, you won’t have to do as much. If you spend too much money on storage furniture and other random items, decluttering will decrease those expenses.

Make the most of your storage space and don’t keep adding more shelves and cupboards to your home. Get rid of unwanted clutter, and you won’t have to spend so much money on storage furniture.

2. Unwanted Gift Cards Can Be Sold

When you received a gift card in the past, you’d have to use it before it expired. These days, you can sell Target gift cards and gift cards for other major brands such as Walmart and Apple.

It’s surprisingly painless, and you don’t need to invest much time into the process. You just give the code to the service, and they’ll check that it’s real. Then you get credited the money in your bank account.

If you declutter your home, you might find old Christmas and Birthday cards that still have gift cards in them. It’s not the most likely situation, but it’s still possible. More likely, you might find gift cards tucked away that you forgot about. Plus, you won’t feel obligated to buy more things that you don’t need for your home with a gift card.

3. You Can Sell Electronics That Still Work

If you’re like most people, you probably have a fairly large collection of random electronics, cables, and other similar items. You might have old smartphones that still work or even an old games console that you don’t use anymore. If you have no use for these items, you can sell for extra cash on eBay or a similar website.

Make sure you look at the value of these items before you decide to sell them. The items can be worth quite a bit of money, and it’s essential that they’re valued correctly. When they are valued correctly, you can get the most money possible.

If you are listing similar items, you can match the prices. On the other hand, with things like an antique or old collectible, you might need expert assistance.

Decluttering Your Home Can Make You Money

If you have clutter around your home, you could be missing out on an earning opportunity. You can declutter your home and make money at the same time. Now that you know how decluttering your home can make you money, you can get started right away.

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Adulting Finances Home How To Life

The Ultimate Guide For Working From Home: 9 Realistic Tips

Even before the pandemic, more people were deciding to work remotely. Working from home is ideal for better family life or to say goodbye to the commute. Remote work is appealing for lots of good reasons, but it has its challenges, too. You can master it, though, with this realistic guide to working from home.

***This post contains affiliate links. It costs you nothing extra, but I may receive a small commission.***

Tips For Effectively Working From Home

Whether you work remotely a few days a week or full-time, it’s important you are set up to be productive. Setting up for productivity includes having a workspace with the right technology, a way to handle disruptions, and a schedule that works. Here are a few of the best strategies and tips to be successful as a remote worker. 

1. Know The Ground Rules

If you’re still working for a company rather than for yourself, check whether you have to stick to a nine-to-five schedule or whether you can have more flexibility. Are you allowed to work on public WiFi? Which tools will you need, such as Zoom, Slack, or Microsoft Teams for video meetings or group chats?

If you are working for someone else, it’s important that your employer clearly lays out the ground rules and makes sure that you have the right equipment. Some of the equipment you might need includes a reliable laptop, network access, passcodes, and instructions for safe remote login.

Do some trial runs of your set-up, and figure out any problems that might impact your ability to work. If you work for yourself, you might need a lot of these same tools anyway. 

2. Set Up A Functional Workspace

Find somewhere to work in the house by trying some different ways to convert a spare room into an office. Not everyone has a home office, but you need to have a private, quiet space to work. If you can, separate your work area from your personal space. Use that space only for work, not other activities. 

3. Get The Right Internet Speed

If you have children, their internet habits could slow down your speeds. Sitting as close as you can to the router can help, or you could swap to an ethernet connection. You might need a dongle to do this, as most laptops don’t have ethernet ports anymore. You’ll also need an ethernet cable to connect your computer to the router. 

4. Use Phone Apps

If you need to make calls, Google Hangouts, Skype, and Whatsapp all let you call over the internet. These apps can be used globally and are inexpensive. If the person you’re calling is on the same service, it’s free. 

5. Minimize Distractions

If you have a loud dog or a noisy neighbor, buy yourself some noise-canceling headphones. If your children are at home and you don’t have childcare available, take turns with childcare with your spouse. This might mean you have to talk to your boss about adjusting your working hours, though. 

If you need some activities for kids that are stuck at home, check out this post: 15 Ways to Keep Kids Busy at Home

6. Plan Extra Social Interactions

Some people like working alone, but even the biggest introverts can start to feel lonely after a few weeks. Be prepared for this to happen.

Try to schedule some time to connect with the outside world, at least occasionally. Consider a lunch date, a phone call with a friend, or an exercise class after work. 

Tips For Finding Balance While Working At Home

Being your own boss, setting your hours, and working at home has some definite benefits, but it comes with some drawbacks too. Whether you’re telecommuting or self-employed, there are some tips to manage a healthy balance. 

7. Stick To Your Work Schedule

Everyone that works from home will deal with some lack of understanding from other people that think working from home isn’t really working. You must set your working hours, stick to them, work during these hours, and not let anyone interfere with that. 

Homelife comes with its own distraction that can soon eat up your important working hours and put you behind on important projects. Along with typical interruptions like vendor calls, accidents, or child needs, there are some personal boundaries that will be pushed too. 

Your family must understand that you can’t help them during the workday or stop and talk on the phone. Setting these limits can be hard if you have children at home. However, your children seeing you work on something you love can be a positive influence on them for their futures. 

8. Beware Workaholic Tendencies

Flexibility and efficiency are two of the biggest reasons that people want to work from home. Additionally, they long for the possibility of shorter hours because you can accomplish more without being interrupted by emails or daily staff meetings.

Sometimes the extra flexibility can be too much of a good thing, though. When your office is always there and you have a deadline looming, it can be hard to leave work alone. Many people that work from home find themselves logging more hours, not fewer, and working at night and on weekends because they struggle to ignore their work. 

Many remote workers do manage to keep a five-hour day, but this might not mean that they work less. Hours are usually calculated as ‘billable hours‘. This means that for every hour you spend on a task you charge for, there’s lots of time spent doing admin tasks that you can’t charge for. 

9. Don’t Bet On Saving Money

Without a commute, lunches, and the cost of office clothing, you might think working at home will save your budget. However, other costs can come up.

The expense of setting up an office will include laptops, internet services, a printer, cell phones, business cards, web hosting, software, and more. You can’t use your existing equipment for your business if you plan to claim the full cost as a tax write-off. Personal and business purchases must be kept completely separate under tax law. 

For example, you can only deduct your home office if you’re a freelancer or a contractor. You can’t deduct non-reimbursed work expenses if you’re an employee, including deducting for a home office. This makes it even more important to try to get any extra costs covered by your company. 

Check what is allowed before you try to deduct half of your mortgage or your office rent. There are very strict limits on what can be claimed as a tax deduction on your tax return. You can deduct valid work-related expenses, but only the percentage that is actually used for your work.

If your internet is used by your children and spouse, or even by you for non-work-related reasons, you can’t deduct the whole cost. You can only deduct the estimated portion that is only used for work. The same is true of bills, utilities, and office supplies

If you’re an independent contractor, you will also need to pay your own social security tax and payroll taxes. This means that a sole proprietor won’t see particularly major cuts on their tax bill. 

Working From Home

If you work from home, you already know the perks and the downfalls. People that don’t work from home don’t always understand the details, but you must stick to your schedule anyway. Use these tips to stay focused and to make working from home an enjoyable, efficient experience.

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Adulting How To Learning Life Marriage Parenting

How To Do Right By Your Family

Making long-term life decisions can be a very tough task, no matter how old or experienced you may be. Life is unpredictable, and 2020 is perhaps one of the crowning examples of that. However, it’s important to figure out how to do right by your family by coming to the best decision.

These long-term decisions could be anything from where you should live to where you should send your children to school. Even though making the decision might be stressful, it’s important to do it in the right way.

If you find yourself in a situation where you know you’ll be taking care of your parents as they age, have a discussion with your partner and parents to determine how to approach your combined futures. Caring for older adults in the same home may require moving to a new home or using a company such as Home Elevator Service to install an elevator in your existing home to help with mobility and independence. Regardless of what you decide together, communication is essential.

You can’t simply do what other families are doing. Remember that what is right for most people may not be right for you and your family.

While this article may offer insight and give tips, you still have to figure out for yourself what is best. You can only define that for yourself, but the following principles may help you along the way.

How to do Right By Your Family

Consider all Options

Determine which risks are involved with each decision. No matter how small the risk is, each decision you make carries one. Then, you have to consider how those risks might express themselves and how you can limit them.

If you can achieve that way of thinking, then odds are you’ll be more forthright in coming to a conclusion.

What’s Right For Them Now, And In The Future?

It’s important to consider what might be right for your family now and in the future. Those two things aren’t always so apparent. However, thinking along a timeline can help you make those decisions.

Perhaps you might wish to move but if you wait a year, you can have better options. Maybe waiting a year will give you a chance to find a good school for your kids.

It could be that you wish to move to a rural area, but when your children become teenagers, what if they need to find a job? Questions like this can help direct your actions.

Consider Your Finances

When you are trying to do right by your family, you have to think financially, too. After all, you have to be able to support them.

Maybe you could consider debt discharge with DTSS Restoring America’s Freedom. This could help cut back on monthly payments.

Additionally, you may want to consider finding a new job in a new area. If jobs are hard to come by in that area, you can consider making money online. You could start a blog, find freelance work, or find other remote jobs.

You can’t wait until after you’ve made a long-term decision to think about finances. Whatever is the best way forward, planning financially will help you. You have to be able to balance that alongside your perspective timeline.

Staying Unapologetic About Your Choices

There are no one-size-fits-all solutions for all families. What works for your family may not work for another. This is why it’s important to stay unapologetic about your decisions, and instead focus on what’s right for your family.

Studies show that families who stop comparing themselves to others tend to be happier. By staying unapologetic, you will be able to avoid the comparison trap. When you begin apologizing and explaining yourself, however, it can make you feel differently.

do right by your family, making long-term decisions, help making decisions, family decisions, big changes for families

Balance Needs, Priorities, And Benefits For All The Family

To the extent that you can, it’s important to balance the needs of all of your family members. Perhaps you wish to move to an area near a brilliant art school, but it requires an hour’s commute to reach anything else. This will be inconvenient for you, and can also cause problems for your teenagers.

Maybe you’re considering a move, but the unpredictability caused by Covid makes it best to wait. Whether this is due to a lack of job prospects or concerns with schooling, it is important to consider.

Another priority to consider is your extended family. If you are close to them, consider how often you would be able to see them. This could be an important factor that should be discussed.

When you balance the needs of your family, you can come to the best compromise. You may not be able to make everyone happy, but it’s important to consider all aspects.

Remember That You are Doing What is Best

Be confident in your ability to do right by your family. As long as you follow these tips and consider all aspects of the decision, you will be just fine. It’s normal to question yourself but, at the end of the day, know that you are doing your best.

do right by your family, making long-term decisions, help making decisions, family decisions, big changes for families
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Adulting Guest Post How To Life

Different Businesses and Online Money-making Ideas You Need to Know

In this guest post,Valentina Wilson explains different businesses and online money-making ideas.

Valentina is a writer and blogger who specializes in personal finance and positive change. Valentina has a master’s degree in financial journalism and seven years of experience in personal banking and believes that small behavioral changes are the key to achieving financial freedom. Check out her blog, Best Debt Consolidation Blog, https://www.bestdebtconsolidation.org/blog/ and follow her on Twitter:@valentinailson https://twitter.com/valentinailson

Due to this corona virus pandemic, the unemployment rate is growing fast. The vast numbers of pay cuts and job losses have created a financial crisis among people. It is true that due to this pandemic, the economy is going through a rough phase and it is the consumers who are suffering from financial problems.

But, to survive in this difficult situation, you have to find different income sources. Most people are trying to look for a secondary source of income so that they can repay debts on time and protect their credit score. Many students are in knee-deep debt due to having no jobs out there. However, there are options to consolidate student loans. Also, Govt. help and an extended payment policy that can help.

According to the experts, you can consider some part-time jobs or businesses to manage your financial life.

According to the experts, you can consider some part-time jobs or businesses to manage your financial life. Online money-making opportunities are widely available, too, if you know where to look.

Home-based businesses, weekend businesses, or jobs can support you by providing extra income that can be utilized in living a peaceful financial life.

Here you go:

Weekend business ideas:

●       Baby-sitting-services

If you have very small kids and you take care of them, taking care of another child along with your own will not be very difficult for you. This service is also very cost-effective as your customers will have to come to you. This will save on your fuel expenses too. In most cases, the parents of these children have their food packed and you will just need to feed the child. However, even if they do not provide you with that then you can make a little extra food at home and feed them that. You may even take additional charges for providing food. You can pay daily, weekly or monthly fees depending on your needs.

●       Cooking classes

If you are good at cooking you could give cooking classes at home. These classes are a very convenient option as you can limit the number of classes based on your needs and you also get paid on the spot.

●       Have  a yard or garage sale

You can also organize a yard or garage sale to sell unused or mildly used items. This can be done at any weekend to get some extra bucks.

different business ideas, online money-making ideas, how to make money online, corona virus, covid-19 financial hardship

Home-based business ideas:

●       Rent your garage home to earn money

If you have space in the garage, you can rent your garage to earn money out of it. If you have a big house and one part of the house is empty, you can rent a part of your home. This will be a great source of income

●       Sell homemade products

You can sell homemade baked goodies. This will be more convenient for you if you have older children at home who can help. In a few main festival seasons, the demand for homemade goodies such as cookies and cakes rises. This allows you to get money by sitting at home and baking.

●       Be a financial coach

During times when there is too much financial uncertainty, most people are looking for someone to fall back on. If you can become a financial coach, you can help people make better financial decisions and thereby make money. You can give an ad for this and open a financial class at your home premises.

You can also create a financial website of your own so that people can have the option of signing up with you and clearing their financial doubts.

Online money-making part-time jobs to earn extra money

●       Start freelancing

If you have the skills to write, you can sit at home and with the help of the Internet, you can do freelancing. There are various freelancing jobs available on the Internet. You just need to choose the right one for you. While choosing any freelancing job, you also need to make sure that you get proper remuneration. Freelancing helps you earn good money in the comfort of your house.

●       Get paid with social networking websites

Different social networking websites like Facebook and Twitter help you earn money. They have become very popular these days. Such social networking websites need more members to join them. In return, they pay their new joiners and also pay them if they post any messages.

●       Get money to read mail.

You get paid just to click on the email and then close it. Every day, you receive paid emails in your inbox that have links to different websites. These emails help you earn money when you view them for just a few seconds.

●       Get paid for data entry

There are many types of data entry jobs available on the Internet. You just need to enter basic data information into these data entry jobs. You can earn good money with the help of data entry jobs.

●       Get paid for participating in online surveys

Online surveys are good ways to make money with the help of the Internet. While conducting online surveys, consumers’ feedback is very much essential. Those who participate in these online surveys are paid some money by the survey companies.

●       Be a social media marketer

Nowadays social networking websites are very popular and you can also carry on social media marketing about your website so that you can earn extra money. Create a profile on any of the social media websites and increase your network and friends so that you can easily boost your profits by boosting the traffic to your website.

●       Become an online content writer or blogger

Another online money-making option is to become a content writer as this way you can nurture your writing skills as well as earn money at the same time. Get in touch with a webmaster that can provide you with enough projects where you can show your expertise in writing and earn online cash. What you need to remember is that you have to do complete research on what you’re writing. You also need to be able to write unique content for their website. You can also start online blogging to earn money over time.

different business ideas, online money-making ideas, how to make money online, corona virus, covid-19 financial hardship

Lastly,

we all know that due to a rapid increase in the price of basic amenities due to the COVID pandemic, life has become very difficult. It has become difficult to pay for basics, that any luxury is way beyond reach. Thus, a single earning member family structure can not quite provide much economic stability in today’s scenario. 

So, both husband and wife must contribute towards the budget of the family. But if you want to be at home and also want to work from the comfort of your home, then there are many ways in which moms at home can make money. Also, if you have no job right now, you can easily embrace an online money-making opportunity. 

However, in any circumstances, you should never give up hope. If you have no income and you are unable to manage any job, you can ask for GOVT. grants and financial help.

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Adulting How To Life Parenting

The Right Financial Plan Can Help Your Family Stay on the Right Track – A Guest Post

A note from Sara B. (the author of this guest post):  As a widow and mother of two, I know from experience how important it is for parents to have a strong financial plan. So, naturally, it concerned me when I read recently that only 25 percent of Millennial parents have life insurance and that only slightly more than half of parents have wills.

Her goal with this article is to explain the importance of financial planning for parents and give tips on how to get started.

The Right Financial Plan Can Help Your Family Stay on the Right Track, financial plan, family plan, financial stability, preparing for the future

Building your life one piece at a time is exciting, but it can become more and more difficult financially. According to GOBankingRates, the cost of living in the U.S. has increased by 14 percent, and median household incomes aren’t covering the jump.

Throw the cost of raising a kid into the mix, and Americans are even further from living comfortably within their means. The only way to get ahead and thrive is by thinking critically and coming up with a plan. Start developing your personalized financial plan today by using the tips below, so you can get back to creating the life you want for your family.

Down With Debt

Before you can start planning your financial future, you have to get rid of debts that casts a shadow on things like procuring a home loan or any other line of credit. Some debt is unavoidable, but if you don’t take care of it now, you’ll feel its effects later.

Calculate your personal debt-to-income ratio and start working toward lowering it. Your credit will get a boost from the dropped DTI, and interest rates on future lines of credit will most likely drop as well. If it’s out of hand, consider debt consolidation or meet with an advisor. A professional will help you get on the path to saving more for your future rather than paying for mistakes in the past. Once you’ve got a handle on your debt, it’s time to start saving for everything you hope to accomplish.

The Right Financial Plan Can Help Your Family Stay on the Right Track, financial plan, family plan, financial stability, preparing for the future

Figure Out Your Aim & Budget

Think about what you want for yourself and your children in the future, and what it’ll take to get there. You have to figure out the destination before you can map out a way there. Do you want to buy a home with a bigger yard, send your kid to a private school or start saving for college? Your goals can be short-term and/or long-term. Maybe you’re focused on providing for your kids after you’ve passed. All of these goals give you something to work toward and will help you develop a budget.

Even if you’re already running your home within a budget, you should revisit it in light of your goals. You should be putting money into a variety of savings accounts, but the first one you should stock is an emergency fund. Whether something happens to you, your home or your employment status, the last thing you want to do is stress yourself and possibly risk incurring more debt.

Life happens, so you should be ready for it. Protect your family by thinking ahead, and teach your children financial health by being a role model for them. They will be watching and will appreciate your budgeting down the line.

Life happens, so you should be ready for it. Protect your family by thinking ahead, and teach your children financial health by being a role model for them. They will be watching and will appreciate your budgeting down the line.

The Right Financial Plan Can Help Your Family Stay on the Right Track, financial plan, family plan, financial stability, preparing for the future

Prepare For The Future

Now that you’ve figured out where you want to save, it’s time to put it into action. Put some of your savings to use by investing, which is part of every financial plan. From contributing to your 401(k) to 529 college savings accounts, there are many ways you can invest in yourself and your family.

If you feel comfortable handling investments on your own, build an investment portfolio. If you prefer to have some help, look into using a robo-advisor, which offers a much lower fee than an in-person advisor. Save that bit of money to tackle another significant part of your future.

Additionally, get your estate planning handled as soon as possible. Avoid probate court with a living trust, protect your heirs’ property and designate a guardian to look after your children. If your children are grown, consider giving one of them control of your finances. 

You should also look into life insurance to lessen financial stress after your departure. Specific financial needs like childcare, debts, and healthcare costs can be alleviated with life insurance. Use a tool, like an online calculator, to help you determine which insurance policy is right for you. 

Everyone’s situation is different, including their finances. One thing that is consistent is the desire to do what’s best for the family. Make your financial plan today to help solidify a secure future for you and your children.

Image courtesy of Pixabay

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Family Activities For the Home Holiday Home How To Organization Our Family Parenting

Achievable Goals For The New Year

The New Year is already here, and I just sat down this morning to figure out my New Year’s Resolution. I wanted it to actually be achievable goals for the New Year. It was a tough call because I can honestly say I won’t be going to the gym every day (or even once a week… I have 5 kids LOL), I also won’t ALWAYS eat healthily so I’m not going to restrict myself there, either. Every resolution that I considered just didn’t seem right. 

I instead thought about what areas of my life I wanted to improve in, and things that I wanted to learn about. It seemed that everything I desire fits into two categories:

  • Finances
  • Home improvement
  • Routine
  • Family
achievable goals for the new year

Why This Didn’t Work For Me

Instead of heading into the rest of the year with vague resolutions to improve finances, improve our home, and focus on family, I decided to make a list of how I can accomplish all of those things.

I didn’t go overboard. There are so many more things I could have added to my list, but I wanted to start with an achievable goal. I figure that I will be more likely to follow my goals through when I actually have a goal that seems possible, instead of a vague idea to work toward the goal.

I didn’t want this: Spend more time with family.
Instead, I wanted something specific: Dates with kids weekly.

Then, I even went further into it and wrote:

“Dates with kids weekly. One kid each week, rotating schedule. After 5 weeks of individual kid dates, one big family outing. Then start over.

Not all of my achievable goals for the New Year were that long, either. That was probably the most complicated one. (List of all 10 of my goals for the New Year will be listed at the end of the post).

Later tonight I plan on sitting down and making a concrete schedule of dates with the kids. I may make and print out a calendar of the whole year and write it on there. Then I can put it into a binder so that the kids can always look and see when their next date is.

achievable goals for the new year

Plus, it might be fun to put a memento from the date in the binder afterward. Then, next year on New Year’s Eve we can look back at all of our date memories from the year.

I wanted to figure out a plan to implement each of the things I wanted to achieve. Once I narrowed it all down and wrote out my detailed list, all of the fun ideas came naturally when I began typing up my plans. The “date binder” was one of those that just came as I was planning.

So – back to the achievable goals for the New Year. Instead of just choosing one or two vague ideas of which areas I wanted to improve in, I came up with 10 smaller achievable goals.

10 Achievable Goals For The New Year

achievable goals for the new year
  1. Follow chore/payment chart (blog post about that is coming soon so check back!!)
  2. Start seeing a larger increase in the savings account.
  3. Hire someone to do the yard work. (so serious. we can never keep up and I’m sick of stressing about it.)
  4. FREAKING LAUNDRY. (and yes, this is how I wrote it on my list. I guess this one might be vague but I will be typing a schedule for everyone in the house to follow.)
  5. Dates with kids weekly. One kid each week, rotating schedule. After 5 weeks of individual kid dates, one big family outing. Then start over. (We have 5 kids, hence the 5 weeks. If you have less/more, adjust the number accordingly).
  6. Crunch numbers for vacations for the year before January 14th. Come up with a savings plan and a plan of when to make payments by February 1st.
  7. Post a new blog post 1 time per week.
  8. Make $150 on TextBroker every week.
  9. Lose 40 pounds. 10 pounds every 3 months. First goal: Lose 10 pounds by March 1st.
  10. Buy “clutter baskets” for each person in the home. Put anything they’ve left lying around the house in those baskets and distribute accordingly after school.
achievable goals for the new year

Final Thoughts On Achievable Goals For The New Year

All 10 of these goals are achievable goals for the new year. I won’t have to make a HUGE change in my lifestyle, I’ll just have to plan a little better and look for ways to cut costs while also making more money. Plus, I just need a plan to contain all the freaking clutter that my family accumulates each day.

I never follow through with my New Years Resolutions because I never come up with a list of ways to actually accomplish my goals in life. This time is different.

It may sound crazy to have 10 New Years Resolutions, but if they really are achievable goals for the new year, you can hit your goal sooner and see all the progress you have made. Plus, when you do accomplish one, you can come up with an even bigger goal next time.

Did you set any goals for yourself for the New Year? Tell me about them in the comments!

achievable goals for the new year
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Home How To Our Family Parenting

5 Ways to Make Money From Home

As a mom, I wanted to be home with my littles. I worked a full-time job, and I was depressed every single day because I would have to drop my littles off with a babysitter and spend the next 9 hours away from them. When I picked them up at the end of the day, they were usually grumpy and clingy. Then, we would get home, have dinner, work on homework with the big kids, give baths, and then it was bedtime. I had to make money in order to supplement my husband’s income, so it wasn’t possible for him to be the only one making money.

I felt like I literally never had time to cuddle, play, and spend time with my kids. It was so hard on me. Plus, the cost of child care was just ridiculous, it didn’t make much sense to work. I quit my job and began trying different things to make staying at home a long-term possibility.

What I Tried

I began my stay-at-home mom journey thinking I would open my own daycare out of my home. Quickly, I realized that it wasn’t for me. I felt like I never left work, I still wasn’t able to give my kids the attention I wanted to give them, and I was more overwhelmed and stressed out than before. Plus, it made my house SO MESSY.

Next, I decided to try freelance writing. I began researching, and I found my niche there. This one really does work for me, but I’ll get more into that later.

Then, there was taking surveys. This works, but it isn’t something I still do. Again, I’ll get to that more in just a little while.

I’ve tried direct sales in the past and those are just definitely not for me. I don’t like to sell, apparently, and I hate making my friends and family feel obligated to buy things that they don’t really want.

I’ve also tried selling clothes on the Facebook marketplace, doing transcription work, and rating ads on Facebook. I have tried a wide variety of ways to make money from home, and a handful of things I have tried have worked to help me earn more than $1,000 a month!

How it Has Helped My Family

$1,000 a month may not seem like a ton of money, but it has really made all the difference in living paycheck to paycheck and having a little spending money each month.

There were months in the past when we couldn’t even pay all of our bills. This resulted in late fees, overdraft charges, and it was incredibly detrimental to mine and my husband’s credit scores. It would seem like no matter how hard we tried, we couldn’t get ahead and stay in a good place financially.

I am so serious when I say that this $1,000+ every month has helped us reach our short-term financial goals, keeping us ahead of our bills, leaving money for saving, and for doing fun things as a family. Now we will be able to begin saving for the bigger expenses, such as putting new flooring in our home or remodeling our kitchen.

MAke money from home make money from home

5 Ways to Make Money from Home

  1. Freelance Writing – 

    This is, without a doubt, my favorite way to make money as a stay-at-home mom. I love to write, and if I had known it could be so easy to do online, I would have done it YEARS ago. After doing my research, I determined that TextBroker was the best place for me to start since I had never done freelance work before. I started out as a 3-star writer and quickly made my way up to a 4-star writer. As a 4-star writer, I earn .014 cents per word. So, for an article that is 2,500 words, I would earn $35. I get paid from Textbroker every Friday.

    What I do on TextBroker is choose a job from a wide variety of topics, read the client briefing, and decide if I want to accept that job. They are all writing jobs, obviously. I actually write quite a few blog posts on TextBroker. By submitting the article to them, I am giving them permission to list themselves as the author. I no longer own the writing once I have submitted it to them.

  2. Rating ads on Facebook – 

    I do this through a company called Appen. Appen used to be called LeapForce, so maybe you have heard of them before. I applied with Appen without fully understanding what the job was. It’s not that I was oblivious to what I was applying for, I kind of understood, but there are many different projects available. I applied for a few different projects, and I was accepted to the Nile Project. The Nile Project pays $11 per hour to rate ads on Facebook. It is SO easy. Tedious, but easy. The only catch is that you can only work 1 hour per day on this project. That’s okay, though, because it quickly adds up. I only get paid from Appen one time a month. There are more opportunities on Appen that don’t require rating ads, but that is the only one that I currently do.

  3. Simple – 

    Simple is actually a bank account that I use for my spending money. I also make around $200 a month on Simple. I just tell people about the bank account, all of the perks that it has, and then I send them my link to sign up with. They will receive a debit card in the mail and, once they activate their account, I transfer $1 into their account (I never even need to know their account information, other than their e-mail address). They spend the $1 that I sent, and then I get $20, and they also get $20. It’s a win/win for both of us!! Plus, they get an awesome bank account out of the deal, too.

    I wouldn’t typically do something like this to earn money, but I am actually so in love with Simple that I tell people about it all the time. Might as well make some money by talking about it, right?! I love it so much because it has the option to add savings goals. When you enter your goal, it tells you how much you have to save each month/week/pay period, and as long as you do it each time, your goal happens on track. There are separate areas you can put the money for each goal, too.

    I have 4 goals going for myself right now. One is more mine and hubby’s annual trip to South Haven, one is for a Chicago trip with the kids, one is for new flooring, and the other is for Christmas next year. I love this option, and I love how easy it is to use it. Plus, I love that it is so easy to read and figure out.

    Another awesome part about Simple is that it has an area to input all of your expenses. Since this account is the one I use for spending, I actually haven’t had to input any bills. Instead, I input things like groceries and gas, because I consider those to be my spending.

    If you are interested in Simple, just click the link, send me an email, or drop a comment below. I will, of course, help you out and answer any of your questions.

  4. Start a blog – 

    There are so many ways you can make money with a blog. You can make money through affiliate sales, ads, and sponsored posts. Those are just a few of the options… the possibilities are pretty much endless. Having a blog is also SO much fun. I love being able to express myself, be creative, and meet other people like me in the blogging community. There is no pressure with having a blog because you can do it all on your terms. If you start a self-hosted blog, you have full control of all aspects of your blog.

    I have a self-hosted blog through Bluehost, and I use WordPress as the platform. If I wasn’t self-hosted and just used a free site from somewhere like WordPress, I might not be able to make money in the process. It is so easy to set up a blog, and so much fun once you get started.

    If you are interested in how to start a blog and what to do once you have started one, I wrote a blog post about it a while ago. Feel free to ask me about this anytime!

  5. Taking surveys – 

    Taking surveys is fun and all, but it is very time-consuming. I don’t actually do this one to earn extra money, but I have in the past. My 14-year-old stepdaughter recently just started doing it herself and has actually earned a decent amount of money with it. She wanted to earn some money for Christmas shopping, and she has almost finished buying everything she wanted to buy. It definitely does earn you some money, just not as much as other options.

How I Do It

So for me, I prefer to use TextBroker, Appen, and Simple to make $1,000 or more each week. At a minimum, I work to earn $200 a month on Appen, $600 a month with TextBroker, and $200 a month with Simple. When I have a goal in mind, I can always work a couple extra days with Appen, or accept one more article than normal on TextBroker. With Simple, it is more about getting lucky when someone agrees to use your link to set up a bank account, so I don’t usually push myself to talk about Simple anymore than I normally do. Textbroker is the easiest way for me to earn even more money each month.

I have 5 kids… their ages are 14, 10, 4, 3, and 1. I obviously cannot work for eight hours a day. Between meal times, play times, preschool drop off and pick up, I have to squeeze work time in at specific parts of the day. This usually means waking up before the kids and knocking out an hour of work. Then later, at nap time, I squeeze in another 2 hours of writing (if I’m lucky).

Sometimes after I pick my preschooler up I can put a movie on and let them eat popcorn in the living room while I finish up what I had been working on at nap time. The rest of my work has to wait until after the kids’ bedtime. After they go to bed, I work for an hour (two at the most) and then have to stop to spend time with my husband. It is a little complicated, but I make it all work out. All of that may have confused you, so here is an easier glimpse of my daily schedule as a work-from-home mom:

My Work/Mom Schedule 

5:30 AM – Wake up, making coffee, wake 14 y/o up for school
5:40 AM – Work for one hour (usually TextBroker)
6:40 AM – Wake other 4 kids up for school and get the toddlers/preschooler dressed. Feed everyone.
7:40 AM – Leave for preschool drop off
8:20 AM – Arrive home, begin playing, reading, and singing with the toddlers. Snack time during.
10:00 AM – Craft/activity or table toys
11:00 AM – lunch, and then we clean up the house
12:00 PM – nap time
12:15 PM – Mama works
2:15 PM – If toddlers aren’t already awake (they usually are), I wake them up and get them ready to go.
2:40 PM – Leave for preschool pickup
3:20 PM – Return home. Sometimes turn on a movie, have a snack, and mom finishes some work.
4:15 PM – My 10-year-old gets home from school, homework and talking and playing follow
5:30 PM – Daddy comes home!! YAY!
6:30 PM – Dinner should be ready to serve
7:30 PM – Baths and bed
8:30 PM – Mama Works

Every day for us is very busy and I feel like I am always on the go, or something is always waiting to be done. I love it, though, and I wouldn’t change it for the world because I love being home with my kids. Being able to take a spontaneous day off just because I want to spend extra time with my littles is the best part about working from home. I love making it to class parties and other school events, too. Every bit of this schedule is worth it to me.

Final Thoughts on Making Money From Home

It doesn’t have to be hard to make money from home. I make money online every single day, and I can work as much or as little as I want. You are literally your own boss, and that is so amazing. You can take time off whenever you want, work overtime if you want, or just work for one hour every day. It doesn’t get much better than that.

With the ways I have begun working from home, I can look ahead at my finances or goals, and work extra hard one week to meet a need or want. Being able to decide how much money I am going to make that week is so cool to me. It really puts me in control of my finances, and I work so much better that way. I am so thankful for the opportunities I have found, and I know it is only up from here.

If you have any questions about how to make money from home, please do not hesitate to reach out to me. I wish I had found these opportunities sooner, and if I can help you out at all, I would love to do so!