13 Good Side Hustles From Home You Can Start This Weekend

Need some extra money? The side hustles covered in this article could all be started this weekend from your home. Let’s take a look.

The post 13 Good Side Hustles From Home You Can Start This Weekend appeared first on Bible Money Matters and was written by Marc. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Source: biblemoneymatters.com

7 Smart Ways to Earn $500 Before Christmas

7 Smart Ways to Earn $500 Before Christmas is a post originally published on: Everything Finance – Everything Finance – Its all about Money!

It’s almost that time of year again. The holiday season is upon us and you may find yourself needing extra money. The holiday season can be hard if you are on a tight budget.

Not everyone is able to set aside money for Christmas early on. However, you can still earn $500 before Christmas by using some clever techniques. I love earning extra money so my husband and I always keep a side hustle. There’s just nothing better than being able to earn some extra cash on a whim – especially when the holidays roll around.

If you need extra money for gifts, decorations, or anything else, here are 7 smart and real ways to earn $500 before Christmas.

1. Sell Items Online

If you ever want to make money fast, consider selling items online. You can sell literally anything to make a quick buck. If you have old old clothes, toys, tools, or electronics, start listing items online to sell for extra cash. Sites like Offer Up and the Facebook Marketplace make it easy to sell your old stuff quickly and painlessly.

It may sound like a challenge to make $500 by selling things online, but you really just need to comb through all your old stuff and be proactive. Set a goal and break it down to make the amount more attainable. For example, you may try to sell about $150 worth of furniture, $50 worth of clothes, and $50 worth of toys to start. Focus on items that may sell really well like electronics even if they don’t work. If you have an old smartphone, for example, you can still make $100 or more by selling it online.

2. Deliver Food

Another easy way to make $500 before Christmas is to deliver food during your spare time. Apps like DoorDash and GrubHub are always looking for new delivery drivers and will pay you well for your time. You can earn around $15 per hour or more with most apps. This means to make $500, you just need to work about 10 hours per week for the next 3 weeks.

What’s great about food deliver apps is that you can get signed up and start working very quickly. You will need a vehicle, scooter, or some transportation to deliver the food. Another thing you’ll need to do is pass a background check. Then, you’ll be ready to start working and making money. Set your own hours and deliver restaurant meals when it’s most convenient for you. Sites like DoorDash pay weekly or you can request your payment earlier.

RELATED: 5 Best Side Hustles to Make Extra Money During COVID-19

3. Write For Money

Writing for money is one of my favorite ways to make $500 before Christmas. You don’t have to be the best writing in the world or have a writing degree to make money contributing articles online. You just need some basic grammar skills and a level of expertise as it pertains to the subject you’re covering.

There are plenty of sites that will pay writers for guest posts. Or, you can reach out to bloggers and see if they pay writers for articles. As a beginner, you can typically earn anywhere from $50 to $100 per article to start. This is enough to get you well on your way to earning $500 for Christmas. Writing online can even be an ongoing gig that can help you earn extra money during the year. That way, you always have extra money for the holidays and other needs.


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4. Sell Crafts on Etsy

Consider cashing in on your creativity and selling crafts on Etsy for extra holiday cash. Etsy is a popular marketplace where you can sell your homemade and digital goods to people all over. It’s easy to open your own Etsy shop and start listing your creative products. Etsy does take out a small fee when you make a sale but the platform does an excellent job of setting you up with a professional digital storefront so you can connect with customers.

Whether you want to do woodworking, sell homemade soaps, or make your own jewelry, Etsy is a perfect place to start selling your creations. Choose a price point that will make selling on Etsy well worth your time and effort. Again, work backward from the goal of $500 to see how much you need to sell depending on the price point you set.

5. Walk Dogs

Walking dogs can be a fun and simple way to make some extra money. If you love animals, sign up for Rover and market yourself as a dog walker. You can also offer pet sitting services and keep other people’s pets overnight. You can earn anywhere from $15 to $20 per dog walk and around $30 to $45 by keeping other people’s pets overnight.

RELATED: 5 Low Effort Ways to Make Extra Money On The Side

6. Earn Rewards Online

If you’re short on time, you can still earn $500 before Christmas by trying out different rewards sites. The key is to just get started now. Sign up for Swagbucks and Inbox Dollars to earn money by completing short tasks. Both sites will pay you to complete surveys, watch videos, and try out different offers. You won’t get rich on these sites, but you will earn some extra cash with very little time and effort on your part.

Another rewards site you can check out is Rakuten which pays you cashback for online shopping. If you’re spending some money on online purchases anyway, you might as well sign up for Rakuten for free and make some cashback. Finally, consider taking some surveys during your spare time to maximize your earnings. Sites like Survey Junkie, Branded Surveys, and Pinecone Research are all excellent options.

7. Do a Focus Group

Focus groups are like surveys but they’re often longer interviews that may take place in person. Focus groups also pay more and you can expect to earn anywhere from $50 to $250 for an hour or your time. Mindswarms is a site that provides virtual focus group opportunities that pay around $50. You can also sign up for Respondent to find both online and in-person focus groups to complete.

Doing focus groups is not something that you can rely on for a consistent income, but it can be a great way to earn a few hundred extra dollars fast.

RELATED: How to Make Money Online FAST

Summary: Making $500 Before Christmas is Possible

If you need to make $500 before Christmas, you’re not alone. There’s still plenty of time to make extra money. Just narrow down your options and set a schedule to start side hustling for a few hours per week. Odds are, once you get started you will exceed your goal of making $500. By earning extra money for the holidays, it means you’ll be less stressed and can avoid unnecessary debt.

7 Smart Ways to Earn $500 Before Christmas is a post originally published on: Everything Finance – Everything Finance – Its all about Money!

Source: everythingfinanceblog.com

Apple is Hiring for Work From Home Job Positions ($15/Hr and Up)

Apple is Hiring Dozens for Their Work-From-Home Job Opportunities If you’re looking for legitimate work-from-home jobs, you’d be hard-pressed to find a more reputable company to work for than Apple. The tech giant is currently hiring, and you don’t even have to leave your home. Apple is hiring both full- and part-time At Home Advisors.  The […]

The post Apple is Hiring for Work From Home Job Positions ($15/Hr and Up) appeared first on Incomist.

Source: incomist.com

23 Best Money Making Apps

This page may include affiliate links. Please see the disclosure page for more information. There are many ways you can make extra money in your free time. Money making apps make it possible to boost your income when you have a few minutes or can work part-time. …

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The post 23 Best Money Making Apps appeared first on Debt Discipline.


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Retiring at This Age May Protect Brain Function

Senior businesswoman in a meeting at work
Dragana Gordic / Shutterstock.com

Working a little later in life — to age 67 — may help reduce your risk of cognitive decline, according to a recent study. Researchers at the Max Planck Institute for Demographic Research in Rostock, Germany, say that rather than being something that increases cognitive function, working longer is related to a slower rate of cognitive decline and also appears to protect against cognitive impairment…

Source: moneytalksnews.com

Personal Finance Facts and Statistics

It’s often said that “numbers don’t lie”. If so, what does that reveal about personal finance in the USA? To answer that question, we’ve prepared this analysis of personal finance facts and statistics to help you understand approximately where you are in comparison with other Americans.

The information revealed in our analysis isn’t intended to make you feel insecure in any way. Instead, it’s designed to help set parameters that will enable you to see how you are doing and to make improvements where you believe it’s necessary.

We hope you like numbers because we have plenty of them! They’re a necessary evil, and they go with the territory when it comes to personal finance. We’re going to present statistics concerning multiple topics relating to income, debt, savings and budgeting, and financial planning.

Income

Median Household Income Per State

The median household income nationwide is $79,900. But there is a wide variation between the individual states. The following median household income statistics are provided by the US Department of Housing and Urban Development, as of April 1, 2021:

State Median Household Income
Alabama $66,700
Alaska $93,900
Arizona $73,200
Arkansas $60,700
California $90,100
Colorado $93,000
Connecticut $102,600
Delaware $83,000
District of Columbia $123,100
Florida $70,000
Georgia $74,700
Hawaii $99,800
Idaho $69,000
Illinois $85,000
Indiana $73,300
Iowa $79,500
Kansas $77,400
Kentucky $65,100
Louisiana $64,700
Maine $75,700
Maryland $106,000
Massachusetts $106,200
Michigan $75,300
Minnesota $93,100
Mississippi $60,000
Missouri $72,300
Montana $72,100
Nebraska $79,400
Nevada $75,100
New Hampshire $98,200
New Jersey $106,000
New Mexico $61,400
New York $87,100
North Carolina $70,900
North Dakota $90,100
Ohio $75,300
Oklahoma $67,000
Oregon $81,200
Pennsylvania $81,000
Rhode Island $88,000
South Carolina $68,700
South Dakota $75,500
Tennessee $68,600
Texas $75,100
Utah $85,300
Vermont $84,100
Virginia $93,000
Washington $91,600
West Virginia $60,300
Wisconsin $80,300
Wyoming $81,900
US $79,900

What Percent of People Represent the Highest Incomes in USA

Have you ever wondered where your income falls among wage earners nationwide? For example, you may be interested to know that if your household income is over $200,000 per year, you’re among the 10.3% wealthiest households in the country.

According to Statista, the income distribution in the US is as follows (for 2019):

How many Americans Live Below the Poverty Line?

According to the U.S. Census Bureau, 10.5% of the population – or about 34 million people – were below the poverty line in 2019.

According to the US Office of the Assistant Secretary for Planning and Evaluation (ASPE) the poverty line for 2019 is as follows (based on annual income by household size) for most of the country:

  • One person – $12,490
  • Two people – $16,910
  • Three people – $21,330
  • Four people – $25,750
  • Five people – $30,170
  • Six people – $34,590
  • Seven people – $39,010
  • Eight people – $43,430

Top 5 Richest States in the USA

Based on the table for “Median Household Income Per State” provided by the US Department of Housing and Urban Development in the first section above, the top five richest states in the USA are:

  • Massachusetts, $106,200
  • Maryland, $106,000
  • New Jersey, $106,000
  • Connecticut, $102,600
  • Hawaii, $99,800

Top 5 Poorest States in the USA

Based on the table for “Median Household Income Per State” provided by the US Department of Housing and Urban Development in the first section above, the top five poorest states in the USA are:

  • Mississippi, $60,000
  • West Virginia, $60,300
  • Arkansas, $60,700
  • New Mexico, $61,400
  • Louisiana, $64,700

Income Per Education Level

According to the Bureau of Labor Statistics (BLS), income per education level is as follows (for 2017):

Education Level Mean usual weekly earnings Annual earnings
Doctoral degree $1,743 $90,636
Professional degree $1,836 $95,472
Master’s degree $1,401 $72,852
Bachelor’s degree $1,173 $60,996
Associate’s degree $836 $43,472
Some college, no degree $774 $40,248
High school diploma, no college $712 $37,024
Less than a high school diploma $520 $27,040
Average for all education levels $907 $47,164

Median Earnings by Age Bracket

According to the US Bureau of Labor Statistics, median earnings by age bracket are as follows (for the second quarter of 2021):

Age Bracket Mean usual weekly earnings Annual earnings
16 to 24 $619 $32,188
25 to 34 $928 $48,256
35 to 44 $1,119 $58,188
45 to 54 $1,134 $58,968
55 to 64 $1,130 $58,760
65 and over $989 $51,428

Debt

Average Annual Consumer Spending in the USA

Average annual consumer spending in the USA was $63,036 in 2019, according to the Bureau of Labor Statistics.

The biggest individual category expenses were:

  • Housing, $20,679
  • Transportation, $10,742
  • Food, $8,169
  • Personal insurance and pensions, $7,165
  • Health, $5,193

Total Consumer Debt in the USA

Total consumer debt in the USA is $14.96 trillion. Those are the statistics issued by the Federal Reserve Bank of New York for the second quarter of 2021. That includes all forms of consumer debt, including home mortgages, student loans, credit cards, and auto loans.

Amount of Credit Card Debt in the USA

The amount of credit card debt in the USA is $807 billion. Average credit card debt per family is $6,270, and 45.4% of families carry some amount of credit card debt. (Source: Value Penguin)

How Many Americans Know How Much They are Paying in Credit Card Interest?

The average American household pays $1,045.55 in credit card interest each year. It’s entirely likely the average American has no solid idea how much he or she is paying, due to multiple credit cards, and the variable nature of both credit card balances and interest rates.

How Many Car Repossessions Happen Yearly in the USA

About 2 million car repossessions yearly in the USA (source: Etags.com). Vehicles are typically repossessed within 90 days of loan default (your last payment).

Total Amount of Student Loan Debt in the USA

The total amount of student loan debt in the USA is a record $1.71 trillion as of the beginning of 2021 (source: StudentLoanHero.com).

44.7 million students and graduates owe an average of nearly $30,000 in student loan debt. But student loan debts taken by parents for the benefit of their children averaged $37,200 per borrower.

How Many Americans File for Bankruptcy Each Year?

544,463 Americans file for bankruptcy each year, including 522,808 personal bankruptcies. The rest are business bankruptcies. (Source: US Courts.gov.)

Of the total, 378,953 were Chapter 7 bankruptcies, representing total and immediate bankruptcy. 156,377 were Chapter 13 bankruptcies, representing partial bankruptcies, largely settled through installment payments.

Savings and Budgeting

The Average Number of People with No Savings

45% of Americans have no savings at all (source: GOBankingRates).

How Many Americans Live Paycheck-to-Paycheck?

The information is a bit dated, but according to a survey conducted by CareerBuilder in 2017, 78% of Americans live paycheck-to-paycheck. This includes fully 10% of households with annual incomes of $100,000 or more.

How Many Americans Have a Budget?

Only 41% of Americans have a budget, according to LendEdu.com.

How Many Americans Have Enough in Their Savings to Cover a $1,000 Emergency?

Only 39% of Americans have enough money in their savings to cover a $1,000 emergency, according to a survey taken by Bankrate and released at the beginning of 2021. Most of the rest reported they would get the funds from credit cards, personal loans, or borrowing from family and friends.

Amount Paid by Americans in Overdraft Fees Yearly

Americans paid $11.8 billion in overdraft fees in 2020. Most of these fees were paid by individuals considered to be financially vulnerable. (Source: Forbes.)

Average Amount of Savings per American

The average amount of savings per American is $17,135, as of November 2020. That’s the national average, however state averages vary considerably. The average in West Virginia is $6,936 (the lowest), while the average in South Dakota is $24,497 (the highest).

Amount of Americans with Retirement Savings

50.5% of Americans have retirement savings, with an average balance of $65,000. This is according to information released by the Federal Reserve for 2019.

How Much Should You Have Saved for Retirement by Age Bracket?

How much you should have saved for retirement by age bracket is largely subjective. It’s based on your current income – assuming it’s sufficient to cover your living expenses – multiplied by a factor that’s likely to provide a sufficient amount of retirement savings by the time you reach age 65.

For example, by the time you’re 40, you should have between 1.5 and 2.5 times your current annual salary saved for retirement. But the amount you should have saved will increase with each age bracket.

The following table, provided by the investment firm T.Rowe Price provides solid guidance as to how much you should have saved for retirement at eight age brackets, ranging from 30 to 65:

The post Personal Finance Facts and Statistics appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

23 Free Money Apps That Pay You Cash

Here are more than 20 free money apps that pay cash that will put some extra money in your pocket with minimal time or effort.

The post 23 Free Money Apps That Pay You Cash appeared first on Bible Money Matters and was written by Marc. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Source: biblemoneymatters.com

How to Meal Prep on a Tight Budget

How to Meal Prep on a Tight Budget is a post originally published on: Everything Finance – Everything Finance – Its all about Money!

Many of us aspire to live a budget-conscious healthy life. But let’s face it life can get crazy busy.  When you’re busy navigating through your daily life, the thought of cooking all of your own meals at home can sometimes feel impossible. No shocker here that food is one of the budget areas that many people overspend in. That’s because cooking dinners and making lunches can feel like a lot of work when you are busy. Here are a few ways you can meal prep on a tight budget. 

Meal Prepping

Meal prepping is when you prepare meals ahead of time to help you save time cooking throughout the week. It allows us to eat our favorite meals with pre-determined portion sizes to ensure you don’t overindulge. Having a collection of well-balanced meals on hand will help you regulate what you eat and help you stay on track with your personal diet goals.

Apart from the health benefits meal prepping, will help you save money as it prevents you from eating out. Along with this, meal preparation gives you complete control over ingredients, giving you the ability to selectively shop for groceries. With proper planning, you can prevent making unnecessary food purchases, saving you money and reducing food.

RELATED: How to Feed a Family of 5 For $350 Per Month

The Cost of Dining Out

The average American household spends about $3,000 a year dining out, according to the Bureau of Labor Statistics (remember that one person spending only on him/herself counts as a household, too.)

10 Tips for Meal Prepping on A Budget

Keep it Simple to Start

Meal prep can be easy, but it does take some practice to get the hang of things. Keep your recipes simple and familiar to you for at least a couple of weeks while you master the best meal prep process. Start small by planning just a few meals for the upcoming week and add a few more each week as you become better at prepping.


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Make a Shopping List 

The first step of meal prep is planning out your recipes for the week and making a grocery list based on that. Choose your recipes and then check your fridge and pantry to see what ingredients you already have. You can also start with the ingredients you have on hand and then select recipes to use them up.

Choose Easy Recipes

Do some research and select some recipes that call for affordable and minimal ingredients. Recipes with little prep time are ideal and make it easier to make a bunch of recipes at once.

Keep track of the recipes that you like so you can build up a collection of favorite meals over time.

RELATED: 5+ Best Meal Planning Ideas to Save More Money

Be Smart When Experimenting

You’ll never become a better cook if you don’t try new things, and varying up your meals will help you avoid menu fatigue. keep it slow and simple, it’s important not to go too fast, too soon on the challenging recipe front or you might end up throwing out more food than you eat. Over time, you’ll get a better grasp of what you like and what your capabilities are as a cook, which will help guide the recipes you choose.

RELATED: How to Eat 1,200 Calories a Day and Feel Full

Have Set Days to Meal Prep 

Select set days to do your meal prep. Doing all your meal prep in one go can be tiring, especially if you’re new to meal prep and don’t have a lot of stamina built up yet. Spread out your meal prep so you shop on Saturday and cook on Sunday (or whatever days work best for your schedule). This will ensure that you have the most energy and willpower to avoid costly impulse purchases and cooking mistakes.

Shop in Bulk

If you’re wondering how to meal prep on a budget, buying large quantities of ingredients is usually cheaper—as long as you use them up. Purchasing large quantities of ingredients that will keep for a long time, such as lentils, dry beans, and grains, can help you save money. You can also buy in bulk and select the exact quantity of ingredients that you need to avoid awkward leftovers.

RELATED: 13 Budget-Friendly Heart-Healthy Foods and Activities

Invest in Storage Containers

Another tip I highly recommend is to invest in some high-quality meal prep containers. Glass containers are perfect for soups and tomato-based products. Containers that are airtight, microwavable, and BPA-free will keep your food fresh for much longer and make the meal prep process more manageable as a result.

Cook in Large Batches

The same principle also applies to cooking your recipes. Larger recipes mean you can eat the food for more meals, which means you won’t have to cook as many different recipes and therefore won’t need to buy as many ingredients. If you can’t eat it all up before it goes bad, you can always freeze it and thaw it later.

Use a Kitchen Gadget

One way to meal prep on a tight budget is to use your kitchen gadgets to get the job done quickly and easily. For example, A slow cooker can save you time if you’re busy during the day! Just place your ingredients in the slow cooker, then turn on low for 6-8 hours, and come home to a meal that’s ready to serve.

Go Freezer-Friendly

Freezer-friendly meal prep items are a great way to save money. They’re also suitable for busy people who don’t have time to stop by the grocery store every couple of days!

It also allows you to cook in large batches, freeze for later, and eat the same meal for multiple days. Not only you’ll be saving time and money but also reducing waste – always a good thing to do.

Summary

Meal prep on a tight budget with these tips above requires preparation! It may feel overwhelming at first, but you will get the hang of it very quickly. Plus not only will you save money, but you will also reduce wastage, get you reusing containers and be more eco-friendly in ways you didn’t even realize!

Don’t forget to plan ahead. Always stick to a budget, make it fun and involve the entire family in the process.  

What are some of the ways you meal prep?

 

How to Meal Prep on a Tight Budget is a post originally published on: Everything Finance – Everything Finance – Its all about Money!

Source: everythingfinanceblog.com