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6 Reasons Why You NEED a Budget By Amy Bell | Updated September 29, 2017 — 6:00 AM EDT 0282If you've heard it once, you've heard it a thousand times: BUDGET YOUR MONEY! Financial experts and money advisors have been shouting this mantra from the mountaintops for years.By now, you're probably sick of hearing the "b" word. Too bad. This is just one of those financial lessons that cannot be preached enough. Especially in?the current?turbulent economy, budgeting is more important than ever. If you and your family want financial security, following a budget is the only answer. (For more on budgeting, check out 3 Alternative Budget Styles: Which One's For You? and 6 Months To A Better Budget.)Still not convinced? Here are six darn good reasons why everyone should create and stick to a budget:1. It helps you keep your eye on the prizeA budget helps you figure out your long-term goals and work towards them. If you just drift aimlessly through life, tossing your money at every pretty, shiny object that happens to?catch your eye, how will you ever save up enough money to buy a car, take that trip to Aruba or put a down payment on a house?A budget forces you to map out your goals, save your money, keep track of your progress and make your dreams a reality. OK, so it may stink when you realize that brand new Xbox game or the gorgeous cashmere sweater in the store window doesn't fit into your budget. But when you remind yourself that you're saving up for a new house, it will be much easier to turn around and walk out of the store empty-handed.2. It ensures you don't spend money that you don't haveFar too many consumers spend money they don't have – and we can owe it all to credit cards. As a matter of fact, the average credit card debt per household reached $8,377 in 2016, according to a recent study from WalletHub.Before the age of plastic, people knew if they were living within their means. At the end of the month, if they had enough money left to pay the bills and sock some away in savings, they were on track. These days, people who overuse and abuse credit cards don't always realize they're overspending until they're drowning in debt.However, if you create and stick to a budget, you'll never find yourself in this precarious position. You'll know exactly how much money you earn, how much you can afford to spend each month and how much you need to save. Sure, crunching numbers and keeping track of a budget isn't nearly as much fun as going on a shameless shopping spree. But look at it this way: when your spend-happy friends are making an appointment with a debt counselor this time next year, you'll be jetting off for that European adventure you've been saving for?– or better yet, moving into your new home.3. It leads to a happy retirementLet's say you spend your money responsibly, follow your budget to a "T" and never carry credit card debt. Good for you! But aren't you forgetting something? As important as it is to spend your money wisely today, it's also critical to save for your future.A budget can help you do just that. It's important to build investment contributions into your budget. If you set aside a portion of your earnings each month to?contribute to your IRA, 401(k) or other retirement funds, you'll eventually build a nice nest egg. Although you may have to sacrifice a little now, it will be worth it down the road. After all, would you rather spend your retirement golfing and taking trips to the beach or working as a greeter at the local grocery store to make ends meet? Exactly. (Learn more about saving for retirement in Turn Small Savings Into A Big Nest Egg.)4. It helps you prepare for emergenciesLife is filled with unexpected surprises, some better than others. When you get laid off, become sick or injured, go through a divorce or have a death in the family, it can lead to some serious financial turmoil. Of course, it seems like these emergencies always arise at the worst possible time?– when you're already strapped for cash. This is exactly why everyone needs an emergency fund.Your budget should include an emergency fund that consists of at least three to six months’ worth of living expenses. This extra money will ensure that you don't spiral into the depths of debt after a life crisis. Of course, it will take time to save up three to six months' worth of living expenses. Don't try to dump the majority of your paycheck into your emergency fund right away. Build it into your budget, set realistic goals and start small. Even if you put just $10 to $30 aside each week, your emergency fund will slowly build up.?5. It sheds light on bad spending habitsBuilding a budget forces you to take a close look at your spending habits. You may notice that you're spending money on things you don't need. Do you honestly watch all 500 channels on your costly extended cable plan? Do you really need 30 pairs of black shoes? Budgeting allows you to rethink your spending habits and re-focus your financial goals.6. It's better than counting sheepFollowing a budget will also help you catch more shut eye. How many nights have you tossed and turned worrying about how you were going to pay the bills? People who lose sleep over financial issues are allowing their money to control them. Take back the control. When you budget your money wisely, you'll never lose sleep over financial issues again.Of course, this is just the tip of the iceberg. There are countless other advantages to following a budget. So what are you waiting for? Time to start budgeting!-327992621859005 Ways to Survive an Income Crisis (and 1 Thing to Avoid)Posted by Greg Johnson | Nov 9, 2016 | Budgeting, Debt, Personal Finance | 2 Being broke is scary. Having an income crisis is?even scarier.The vast majority of us depend on our jobs as our only source of income. It’s how we provide for our families. It’s how we save for retirement. It’s how we pay for our homes, our clothing, and our food. Our income is usually our only lifeline.In our book, Zero Down Your Debt, one of our 10 Fundamental Truths states,?“Your paycheck is your most powerful wealth building tool.” So, what happens when that income is gone? What do you do? Struggling to get by usually means one of two things: You aren’t using your paycheck efficiently or you don’t make enough money. Efficiency is easy to fix, but an income crisis takes more work.Unfortunately, income?crises happen all the time. Losing a job, taking a pay cut, getting divorced, falling ill – these things happen. Still, most of us aren’t prepared to handle these situations. According to a Bankrate survey from December 2015, a whopping 63% of Americans don’t have enough money to cover a $500 emergency expense, never mind a sudden loss of income. That’s a huge number. It also means that you’re not alone.Preparing for disaster before it strikes is the best approach, but what can you do if you’re already in the middle of an income crisis? Let’s determine what constitutes an income crisis, what?to avoid when you’re there, and learn some simple steps for improving your situation. Here goes…What is an Income Crisis?What Not to Do5 Tips for Getting Back on Your Feet During an Income Crisis1) Attitude is Everything2) Bust Out the Budget3) Prioritize Your Expenses4)?Slash and Track5)?Hustle Your Butt?OffGetting Ahead… and Staying ThereWhat is an Income Crisis?So, what exactly is an income crisis? In my opinion, having an income crisis means that you legitimately don’t make enough money to cover your essential bills. I’m not talking about overspending or stretching your paycheck too thin because of your spending choices.?This is a situation where you are legitimately struggling to keep a roof over your head, put food on the table, and keep the lights on in your house?because you don’t make enough money.Usually, an income crisis happens because:You’ve experienced a sudden loss of income.You are significantly underemployed.In many cases, an income crisis happens through no fault of your own. Perhaps you’ve lost a job. Maybe you are going through a divorce or lost a spouse to an accident. Maybe somebody in your household has gotten sick and is unable to work. Although the income loss is bad, what’s worse may be the emotional baggage that comes with it. And yes, much of the time, things feel completely out of your control.So, let’s focus on what?you?CAN control. If you’re not in the throes of an income crisis now, you can control how you prepare for one. If you’re experiencing an income crisis, you can control how you react to it. Here’s how to handle it.What Not to Do!When?you’re struggling to get by, securing a loan or using credit cards to pay the bills might seem like a good idea. It’s tempting to use that “free” and easy money as a life raft to help you float toward?solid ground. Except, the money isn’t free and paying it back isn’t easy.Using debt to survive an income crisis is like using a blowtorch to examine a gas leak. It’s a poison pill that might get you through the moment but could have effects that last the rest of your life. What if you don’t find a job as soon as you think? What if your income doesn’t rebound to its former heights? How will you ever get ahead when you constantly owe money to somebody else?Turing to debt is a temporary solution that can have long-lasting effects. Saving money becomes infinitely harder when part of your paycheck is spoken for. And, one reason you’re in this mess is because you didn’t have enough money saved to begin with.Don’t turn a temporary situation into a long-term problem. Avoid using debt to solve your woes and get on the right track as soon as possible.5 Tips for Getting Back on Your Feet During an Income CrisisNow that we know what not to do, let’s take a look at a few ways to get you back on your feet!1) Attitude is EverythingLosing an income stream can be depressing. As I mentioned earlier, many of these losses also come with an emotional loss as well. Losing a job. Losing a spouse. Getting sick. All of this stuff can play on your emotions and make you think you’re in an impossible spot.You’re not. Remember, this income crisis is only temporary. It will get better and you can overcome it. By keeping a positive attitude, as tough as that may be, you can turn this thing around and come out the other side stronger and wiser for the experience. You can do this.2) Bust Out the BudgetWhen you’re in the midst of an income crisis, having a solid budget is more important than ever. Remember, a budget is your monthly plan for the money you have. It takes your income (or savings) and tells that money where you need it to go. By directing your money with a zero-sum budget, you’ll be able to identify unneeded expenses, prioritize your spending, and make the most of the money that you actually do of FormBottom of FormBut a budget isn’t just about getting the most out of your money. It’s also about restoring a sense of control. Losing your income can make you feel totally helpless, which leads to making desperate choices. Using a budget and asserting control over the money you do have helps return a sense of power to your life that may have went missing. Seriously, you can do this! 3) Prioritize Your Expensesleft317500When you’re in crisis mode, it’s absolutely imperative that you prioritize your spending!?That means making the best use of the resources you have. Before you put money down for any other bills, you first have to pay for the things that are keeping you alive. The four most important expenses you have are: food,?shelter, utilities, and transportation. If you pay nothing else, make sure you cover these first.Remember, this is only temporary. You can do this! 4)?Slash and Track Now that you’ve created a budget and covered your essentials, it’s time to slash your spending. Examine your budget and look for unnecessary expenses you can cut. Smartphones, cable TV, and restaurant spending are good places to start. To survive this crisis, you’ve really got to slash the fat from your budget and eliminate every extra expense that you can. Again, it doesn’t have to stay this way forever… but you can’t afford to waste a dime during this crisis period.Once you’ve determined what to cut, be sure to keep a watchful eye on your spending. Track every penny you spend and compare it to your budget several times a month. This is always good practice, but it’s especially important to ensure you aren’t bleeding extra money on unplanned expenses.?Yes, you’re in a tough spot… but, you can do this! 5)?Hustle Your Butt?Off To make it through an income crisis, you first need to take care of the money you have. Next, you’ve got to find a way to earn more.Pound the pavement and look for a new job. Take temporary part-time work while you’re looking. Create a side hustle and start knocking on doors to pick up clients. Deliver pizzas, mow lawns, wash windows – do what you need to do to get some cash flowing in. Use this list of 99 ways to make extra money for ideas on how to get started. (Make sure to try those with a quick return.) Keep reminding yourself that this is only temporary. You can do this!!! Getting Ahead… and Staying ThereSurviving an income crisis isn’t easy, but you can do it! Once you’re on the other side, be sure to prepare your finances so it doesn’t happen again. Stick with your budget, keep your expenses low, and use your new side gigs to generate extra income. Start saving money in an emergency fund immediately. That way, you’ve got the money to handle unexpected expenses or a sudden loss of income the next time they come around.Most importantly, if you’re in a tough spot right now, don’t forget that this will get better. Your situation is temporary and you will find a way through it. As hard as it is, keep your head on straight and try not to make decisions you’ll regret down the line. You aren’t the first person in this situation, and you won’t be the last. Millions have made it through this before, and you will too!How Much Should You Be Spendingleft4667250099 Ways to Make Extra MoneyPosted by Greg Johnson | Jan 22, 2018 | Best of Club Thrifty, Extra Income | 42 Looking for ways to make extra money? Of course you are! Everybody loves stashing extra cash in their pocket.Budgeting, saving money, and living below your means are the fundamentals of good money management, but making extra money never hurts! #amiright?Now, knowing how to make extra money won’t cure all your financial blues, but it can provide a huge boost to your financial goals. Paying off debt, saving more for retirement, and gaining a sense of control over your life can all be yours – and making extra money can help. More money means more options, and that’s always a good thing!There are literally dozens of legitimate work-from-home jobs and hundreds of ways to make extra money on the side. Lucky for you, we’ve listed over 99 of them below.The majority of these gigs don’t even require any special training! So, whether you dream of starting your own business, are searching for residual income ideas, or just want to make some fast cash to pay the bills, we’ve got you covered. Spend a few minutes a day or commit to several hours a week. The choice is yours.Without further ado, here’s our list of 99+ ways to make extra money!Our Top PicksHow to Make Extra Money from HomeWays to Make Money With Your CarWays to Make Money on Your MoneyHow to Make Extra Money with a Side BusinessMake Extra Money Providing ServicesMake Extra Money Selling Your StuffWays to Make Extra Money at Your JobIdeas for Part-Time JobsWrapping UpOur Top PicksWant to make extra money fast? Here are some of our favorite ways for making extra money now!1) Freelance Writing Freelance writing is the single best (and fastest) way to earn extra money online. In fact, last year, we earned over $200,000 writing! We’ve even created a course that teaches you how to find writing jobs, increase your income, and get paid what you’re worth.2) Answer Surveys for Cash or Gift Cards Yep. You read that right. You can actually get paid to take surveys and give your opinions. Here are a few of my favorite places you should start:Survey Junkie – Take surveys, earn points, and redeem them for cash or gift cards. Survey Junkie is a super simple way to make extra money fast. You can use any device and accounts are free.InboxDollars – Earn cash for taking surveys, shopping online, and watching TV!Panda Research – This site offers cash for completing surveys and reading emails. They even give you a $3 bonus when you sign up!3) Surf the Internet and Earn Rewards If you like to surf the internet, you may as well get paid to do it. Use Swagbucks to visit your favorite websites and earn gift cards to some of the world’s biggest retailers – like Amazon, Walmart, Target, and more. (That doesn’t even include the $5 bonus they give you for signing up!) Nielsen Computer & Mobile Panel also offers rewards and gift cards when you download their app and surf the internet.4) Drive for Uber Driving for Uber is a great way to make extra money in your spare time. Just flip on the app, drive people around, and get paid. You can use your own car, or Uber can even help you find one. It’s a great way to make money on your own schedule.5) Drive for UberEATS UberEATS?is an awesome new service that helps people order take out from hundreds of their favorite local restaurants. As a delivery driver, you’ll earn extra money for things like vacation, debt repayment, and fun. Like its sister company Uber, you can work on your own schedule… only with UberEATS, you won’t have to drive anybody in your car. Plus, you can start earning money fast! (You can even use your motorcycle if you want.)6) Save on Car Insurance No, it isn’t exactly making money… but any time you can save money it’s practically like making it! Car insurance is one easy place to save. Compare rates for free at Esurance!How to Make Extra Money from HomeForget “get rich quick” and “work from home” schemes. This stuff takes some work, but with some drive and effort, you can make some serious cash. Here’s how to make extra money from home with gigs that pay you real money.7) Start a Blog One of the best ways to make extra money from home is by starting a successful blog. Our blog helped us make enough money to quit our day jobs and gave us the personal freedom to travel the world. By using a site like Bluehost, you can actually run your entire blog for under $5 a month. That’s super cheap for what could turn out to be a huge money-making hobby.8) Freelance Editing and Proofreading Are you constantly catching mistakes in the things you read? If you enjoy editing and proofreading other’s work, this may be a great way for you to make extra money. You can get paid to edit and proofread blogs, books, magazines, court transcripts, and more!9) Web Design The internet is big business, and it’s not just bloggers who need a website. Companies need websites too, and they’ll pay you to help. Take free classes or teach yourself how to design websites. Then, start selling your services to those you know. Start by selling your basic services on Fiverr. This can help give you experience, build your resume, and find leads for clients interested in higher paying work.10) Start a Profitable YouTube Channel If video is more your style, try creating a YouTube channel. Like blogs, YouTube’s popularity has skyrocketed over the past few years…and some people are making tons of extra money doing it. You can make money on advertisements, paid appearances, and using your forum as a brand ambassador.11) Promote Products and Services If you have a blog or social media account, you can get paid to promote products and services through affiliate marketing. Each time somebody uses your link to purchase a product or service, you get paid. 12) Create a Course Speaking of courses, if you possess special knowledge or are an expert in a particular area, you can create an online course and sell it. The online course business is booming right now, and you can make some serious money if you hit the right niche. Personally, we use Teachable to host our course. It’s an easy to use platform that handles all the ins and outs of running a profitable course. You can even create your own affiliate program with it! We love it and highly recommend it to anybody interested in creating their own course.Ways to Make Money With Your CarIn today’s gig economy, there are endless ways to make money. You can even make money using your own car. Here are a few ideas:14) Drive for Lyft Like Uber, Lyft is another rideshare company that helps you make money in your spare time by driving people around. Again, you can set your own schedule. You can even drive for both companies! 15) Rent Out Your Car You’ve heard of renting out your house on places like VRBO and Airbnb. Now you can make money renting out your car too! Turo is a car rental marketplace that connects you with others looking for a car in your area. It’s a super passive way to make money and one you should definitely check out!Ways to Make Money on Your MoneyAre you looking for new ways to make your money work for you? Here are a few options for you to consider:16) Use Ebates for Shopping and Earn Cash Back Shopping and coupon portals are easy ways to save money while you shop. Our favorite site to use is Ebates. Along with coupon codes and discounts, they also offer generous cash back on most purchases. They’ll even give you a $10 signup bonus! 17) Peer to Peer Lending Some of the richest businesses in the world are banks. Although you probably don’t have the cash to start your own bank, you can take advantage of the loan business through peer to peer lending. While results are never guaranteed, Lending Club boasts historical returns of 4-6%. There is a $1,000 minimum investment to get started. You can choose a regular investment account or place your investments in an IRA.18) Open a Dividend Investment Account Most experts agree that investing is a great way to make money over the long-term. Some investments may even pay dividends, but of course there are no guarantees. 19) Buy Real Estate In my opinion, one of the best ways to make extra money is by investing in real estate. We’ve owned rental properties for years, and it has really added to our net worth. Not only are we making money every month, the value of the property is increasing over time. It’s a great addition to diversify our total portfolio.RealtyShares is a good option if you like the idea of real estate investing but don’t want to mess with being a landlord. This allows you to invest in a variety of real estate properties – including single family homes, multifamily, and business properties – without being a landlord yourself.20) Invest in Real Estate Debt HYPERLINK "" \t "_blank" PeerStreet provides investors with a marketplace to invest in real estate loans. They work with private lenders across the country, vetting each lenders track record. Although results aren’t guaranteed, you get to choose your target return rate based on the level of risk you’d like to assume. It’s a really cool way to invest in both real estate and debt!How to Make Extra Money with a Side BusinessWant to know how to make extra money but still create sustainable income? Starting a legitimate side business takes time, but it could develop into a steady stream of income if you stick with it. Again, most of these jobs don’t require any special licensing, but check your local rules to be sure.21) Start a Painting Company Practically nobody likes to paint, but it’s a skill that almost anybody can learn. The cool thing is that people will pay you a lot of money to paint their house. In our area, you could easily make a thousand dollars a week (or more) if you really went for it. If the making money online thing doesn’t work out, you can bet your bosom I’m starting a painting company.22) Do Landscaping Let’s face it: People hate yard work. They hate mowing. They hate trimming bushes. They hate leaves. Anyone who has enough money to pay someone to do these things frequently does. Start your own landscaping company and begin cashing in today!23) Shovel Snow What’s the only thing people hate more than leaves? You guessed it! Snow. Turn your summer landscaping business into a snow removal service. Grab a shovel, knock on some doors, and pick up some jobs. Heck, go out and get a cheap snow blower if it helps. Better yet, put a plow on the front of your truck and push snow off of parking lots. Businesses pay thousands a year to keep their lots plowed, salted, and safe for their customers.24) Edit Film and Video People love to communicate through film and video. Whether it’s slide shows for graduations and weddings, or professionally made videos advertising a business, people will pay you to make their videos. All it takes is a camera, an editing program, and an eye for detail and you could be making extra income in no time.25) Photography Speaking of cameras, starting your own photography business is one of the best ways to make extra money. Even amateur photographers can make good money taking family photos, graduation pictures, and business headshots. Just get yourself a nice digital camera like the one we use, take a photography course, and start shooting for cash! 26) Clean Houses Oh yeah. I forgot to mention that most people hate cleaning their house too. For years, Holly made a nice living cleaning houses. All she did was print flyers, knock on some doors, and ask for referrals from customers. She never had any shortage of work, and neither will you.27) Clean Businesses Homeowners aren’t the only people who pay for cleaning. Businesses need their workspace cleaned too. Create some business cards or flyers, and pick up a few corporate cleaning gigs to line your pockets.28) Industrial Floors and Windows In addition to the regular dusting and mopping, some offices need a little bit of extra help. You can make some serious cash by starting your own industrial floor and window cleaning business. Again, the more you hustle, the more money you’ll make.29) Cut Hair Do you know how to cut hair? Start your own beauty salon! You can make extra money by charging your friends for haircuts. If you’re a trained beautician, you can charge even more.30) Do Nails While you’re at it, do your friends’ nails too.31) Become a Tour Guide Don’t know how to make extra money but love to educate others? Become a local tour guide. Show others around your city for a fee, and make a few dollars along the way. Be sure to research and comply with any local laws before opening up shop.32) Become a Virtual Assistant Businesses are always looking to outsource tasks, and they’ll pay you for help. Virtual assistants work online, and can be hired on a per-project or ongoing basis. Websites like Outsourcely can help connect you with potential employers.33) Become a Personal Assistant Just like businesses, people will pay you to help organize their life. As a personal assistant, you may work virtually or in person. Tasks could include answering emails, booking appointments, shopping for groceries, doing laundry, and more.34) Start a Handyman Business If you have home repair skills, a handyman business may be a great way to make extra money. Where I live, demand for handyman services is so high that most handymen I’ve talked to make about $40 an hour. That’s good money if you can hack it.35) Be a Masseuse Want to make extra money on the side? Consider getting trained (and probably licensed) so you can start a massage therapy business. You can run it part-time out of your own home and make some serious pocket change.36) Provide Real Estate Management Many rental property owners live out-of-town or prefer not to deal with their renters. So what do they do? They hire a real estate manager. By screening tenants and dealing with problems, you can earn a percentage of the monthly rent. It’s definitely something you can do part-time, or grow it into a full time business.37) Rent a Room Got an extra room to spare? Take on a roommate to save money, or rent it out for some extra cash.38) Rent Your Vacation Property If you’re lucky enough to own a vacation property, you may already know that you can rent it out when you’re not there. If you haven’t done so already, check out websites like VRBO to list your property and start making money today.39) Event Planning Do you love entertaining and have a keen eye for details? Starting an event planning business may be a great way to generate some side income. As an event planner, you can help plan everything from weddings to company parties. Get your name out there and start networking right away.40) Interior Design If you love furniture, wall art, and paint colors, doing interior design work in your spare time is an excellent way to make extra money. There are plenty of people willing to pay for your talent, provided they’re happy with your work.41) Start a Vending Machine Route Ever see vending machines in office buildings and retail stores? Somebody has to fill them. You could get paid to do it by picking up your own routes.42) Rent Equipment Do you have sporting equipment or power tools sitting in your garage? Throw up an ad on Craigslist and see if you can make some quick cash renting it out.43) Party Rentals Ever wonder who owns those bounce houses you see at kids’ birthday parties? Well, that could be you…and you could make money doing it. Just buy the equipment, start advertising, and rent it out for all type of events. You can even add things like tables, snowcone machines, and cotton candy makers to drive up revenue.44) Promote Fitness Products If you’ve used any fitness products, you can earn extra money by promoting them to your friends. We’ve used Beachbody’s Focus T25 and have seen great results. (See how that works!) Use the products, get results, and earn commissions on referrals. Simple as that.45) Find a Need and Fill It Seriously, you can start a side business for almost anything. Just find a need and fill it. I know somebody who makes a six-figure income by cleaning industrial screens and filters. Seriously, who the heck thinks of that?!? The person hauling in six figs, that’s who. So find a need, fill it, and make some money!left209800Make Extra Money Providing ServicesEven if you don’t want to start a full-fledged business, there are tons of ways to make extra money. Try to provide some of these simple services instead. Again, while most of these don’t require any special licensing, be sure to comply with any federal, state or local compliance regulations.46) Graphic Design I can’t tell you how many times I’ve needed somebody to make a nice looking graphic for me. If you’re good with computers, starting a small graphic design business could net you some nice side money. Fiverr and Outsourcely are great places to start looking for clients.47) Consulting Do you have specialized knowledge that people would pay you for? Instead of helping everybody for free, provide consulting services on the side. It doesn’t have to take much time, and you can make some extra money doing it.48) Tutor Help students learn by providing tutoring services. This works especially well for those with a degree in a particular subject like math or English. You’ll help students succeed while earning extra money on the side.49) Manage Social Media Do you have a huge social media following? Could you help others do the same? Businesses and bloggers will pay you to improve their social media presence. Build your following, reach out to others, and get paid to help them do the same.50) Sell Gigs on Fiverr HYPERLINK "" \t "_blank" Fiverr is a great resource for selling specific services to a large audience. I’ve used Fiverr for .PDF creations, graphic designs, and more. Really, you can offer almost any sort of service there. Basic gigs start at $5, but you can offer add-ons to sweeten the pot.51) Become a Coach If you’ve been successful in a certain area, others almost always want to know your secret. Coach them how to do it and charge them for your knowledge.52) Prepare Taxes Doing taxes sucks, and people will pay you to avoid doing their own. Offer tax preparation services and cash in on this universal pain point. Be sure to check IRS and local regulations before opening shop!53) Mystery Shopping Still don’t know how to earn extra money? Try mystery shopping. Yeppers, you can get paid to accept secret shopping assignments. There are several different companies you can work for. Just choose one and start earning.54) Become a Translator If you’re fluent in more than one language, earn extra money by becoming a translator. Companies, websites, and more are always looking for translators. You may even be able to make money online or from your own home.55) House-Sit Seriously, what’s better than getting paid to watch somebody else’s house? Talk about passive income!56) Babysit or Nanny Babysitting is a great way to make extra money, and it’s something that almost anybody can do. Professional nannies can make even more, especially if you have good references and some experience.57) Petsit Don’t want to watch kids? Watch pets instead. Websites like can hook you up with pet owners needing assistance. Do it from home, charge what you want, and make a little extra for hanging with the creatures you love.58) Walk Dogs In the same vein, pet parents are happy to pay you to walk their dogs. Do it as a one-time service, or gather several clients and make it a nice side hustle.59) Pet Grooming Keeping with the pet theme, you can make extra money grooming our furry friends as well.60) Wash and Detail Cars After you’re done giving the dogs a bath, go ahead and start washing cars. Shine up the outside and detail the inside for a premium. Rich people hate doing this too, so there is money to be made. Find customers by going to offices and cleaning/detailing their cars while they’re at work.61) Run Errands Join a website like TaskRabbit, and get paid to run errands for other people. Hit the grocery store, grab their mail, or deliver a chair they bought from Office Depot. You can make money doing almost anything other people don’t want to do themselves.62) Basic Elderly Care We used to help several of our elderly neighbors and friends…for free. We’d do their grocery shopping, run their errands, grab their medications, and make sure they were OK. They would have gladly paid us, but we declined. However, there is a market for help, and you could fill the void.63) Personal Cuddler Yes. This exists.64) Repair Computers or Cell Phones Have some technical knowledge about computers or cell phones? Make extra money repairing them for family, friends, and neighbors.65) Car Maintenance and Repair Know a lot about cars? Make extra money changing tires, oil, brake pads, and more.66) Put an Ad on Your Car Speaking of cars, you can actually get paid to drive your own car around town. Companies like Carvertise will pay you real money to stick advertisements on your car. Just sign up, put on the ad, and rake in the cash.67) Help People Move Moving sucks, y’all. Plus, it usually takes more than one strong back to make a move successful. People are always looking for help. Offer your services and pad your wallet.68) Remove Junk Moving might suck, but cleaning out your junk sucks even worse. Plus, where do you even bring half of that crap? You can make extra money by hauling away somebody else’s junk. Resell some of it to make even more.Make Extra Money Selling Your Stuff Of all the ways to make extra money, selling your stuff is one of the easiest and fastest ways to earn. Here are a few ideas to help you make money from the stuff you already have.69) Have a Garage Sale Selling your stuff in a garage sale is an easy way to make money fast. Gather together all of the stuff you don’t want, set up a few tables, and you’ve got yourself a money-making sale!70) Create an Online Store Have an artistic side but don’t know how to make extra money using it? Maybe you’ve created a great product you want to sell. Try opening an online store with Shopify. Thousands of people have made a killing by starting an online store, and you can too.71) Sell on eBay HYPERLINK "" \t "_blank" eBay is another great place to sell your stuff. Find old clothes, artwork, or gym equipment and put it up for sale. You can even find great deals at garage sales with the intent of reselling them for a profit. Then, let people buy it outright or auction it off to the highest bidder.72) Sell on Craigslist Don’t have enough stuff for a garage sale? Try selling it on Craigslist instead. We’ve bought and sold thousands of dollars’ worth of stuff on this free site. Plus, you’re usually selling to people in your own area, so you get your cash fast.73) Sell Old Clothes to Secondhand Stores One of the best ways to make money off of old clothes is to sell them to secondhand stores. There are several national brands, but chances are good you have a local store in your area. Women’s clothing typically goes over best, but sometimes you can sell men’s stuff too. We prefer stores that pay in advance rather than on consignment.74) Sell Old Furniture on Consignment Sell your gently used furniture on consignment at a consignment store. You won’t get paid until it sells, but it’s an easy way to make a few bucks. Of course, you can also stick items like these on eBay or Craigslist if you don’t want to wait.75) Collect and Sell Scrap Metal Have you ever seen those guys driving around with a giant pile of metal in the back of their truck? Most of them are collecting and selling scrap metal. Search for free stuff at garage sales, on curbs, and on Craigslist. Pick it up, haul it away, and resell it for a profit.76) Write a Book These days, you don’t need a publishing company to publish a book. You self-publish through Amazon, then sell it for a profit. They offer three options: Createspace (for print books), Kindle Direct Publishing (for Kindle books), and ACX (for audiobooks). Learn more about Amazon Self-Publishing here.77) Sell Coins There are still plenty of coin collectors around, and you can make money if you know what you’re doing. I used to work with a guy who bought and sold rare coins on the side, and he made a nice profit.78) Sell Legos If you want to know how to make extra money, find a way to sell items that remind people of their childhood. For instance, my brother-in-law found a nice niche market selling Legos. He acquires complete sets at garage sales or online, packages them, and sells them to Lego lovers of all stripes. People will pay good money for nostalgia, and you can be the one to profit.79) Sell Your Electronics with Decluttr HYPERLINK "" \t "_blank" Decluttr is a great place to sell your old electronics. Make money selling your old CDs, cell phones, games, books, and more. Clean the house, sell your junk, and make some money!Ways to Make Extra Money at Your JobWhen searching for ways to make extra money, don’t forget to consider the job you already have. Here are a few tips.80) Ask for a Raise Want to make more money at your job? Simple. Ask for a raise. Be confident, and present your boss with reasons why you deserve it. Then ask.81) Work Overtime If you have the opportunity to work overtime, do it. You’ll make time-and-a-half which can really ad up over the course of a year.82) Work Holidays Nobody wants to work holidays, so this is a great opportunity to make extra money. Again, you’ll make time-and-a-half, which is pretty sweet.83) Do Things Others Won’t Every job has things people hate doing. Learn what those things are, get good at them, and offer to handle them for more money.84) Hit Your Bonuses Lots of jobs, particularly sales jobs, offer incentives for meeting goals. Make sure to work your butt off and cash in on those bonuses.85) Learn a New Skill One of the best ways to make more money at your job is to acquire new skills. Look for new things you can learn to improve your value to the company. Acquire those skills, then ask for more money. If your boss refuses, you’ll be more marketable and may be able to command more money elsewhere.86) Take on More Responsibilities In many jobs, the more responsibility you have, the more money you’ll make. Offer to lead projects, manage schedules, and take things off your boss’s plate. Then, when it’s time for your review, show them all the new responsibilities you’ve taken on….and ask for a raise.87) Make Yourself Indispensable Bosses love it when you make their job easier. They also love it when you help them make more money. Find ways to make yourself indispensable, and more money will usually follow.Ideas for Part-Time JobsIf you’d rather not work for yourself, you can always pick up a part-time job. Here are a few suggestions for finding part-time work.88) Wait Tables Working as a server is a perfect part-time job. Schedules are generally flexible, plus you can work nights and weekends. If you’re good at it, you’ll find yourself rolling in tips.89) Bartender The same goes for bartending. If you’re good with people, enjoy crowds, and don’t mind working nights and weekends, being a bartender is a great part-time gig.90) Valet Working part-time as a valet is another job where you’ll earn extra money through tips. Many restaurants, hotels, and other business hire valets on a part-time basis.91) Deliver Newspapers If you’re a morning person, getting an early morning paper route can be a lucrative venture. Newspapers are hiring all the time, so check with your local paper for openings.92) Unload Trucks Another early morning/late night gig is unloading shipments at various retail outlets. All types of stores need help getting things off the truck, but big box stores and couriers are a great place to start looking.93) Work Retail One of the best ways to make money part-time is working at a retail store. These stores always seem to be hiring for night and weekend shifts. Just be sure not to blow all of your extra cash using your in-store discount!94) Stock Shelves Stocking shelves may seem boring, but it’s one way to line your pockets with extra money. Grocery stores and bookstores are great places to start looking for work.95) Do Temp Work Office buildings are always hiring cheap labor for mundane tasks. I worked as a full-time temp for two years, but you can find part-time work as well. Check with your local temp agency for openings.96) Work on a Farm If you don’t mind hard work and getting a little dirty, working on a farm is an excellent way to make extra money. There are all types of farms, and each place may need you to perform different tasks97) Become a Lifeguard Does sitting by a pool and making extra money sound fun? Then becoming a lifeguard may be right for you. Get the proper training, and you could start making a nice side income right away.98) Work at a School Substitute teaching is a perfect opportunity to make a few extra bucks. In some states, you don’t even have to be licensed as a teacher. Just apply for a permit and look for jobs in your area. Additionally, schools are always looking for part-time assistants and aides. Check with your local school for openings.99) Drive a School Bus Driving a school bus is practically the definition of part-time work. Get paid to drive your bus in the morning, work your regular day job, then drive again in the afternoon. If you want to make even more, sign up to drive to events like athletic competitions and field trips.100) Coach Sports If you enjoy sports and like being around kids, you can get paid to be a coach. Of course, you must be available for practices and competitions. Check with your local schools and club teams for openings.101) Officiate Sports Don’t have the time to coach but still want to make extra money through sports? Become an official. Sports officials are needed at all levels of competition, and you’ll get paid to be a part of the action.102) Work at a Hotel Hotels hire a lot of people, and they’re a great place to look for extra work. From front-desk help to cleaning, hotels offer a bunch of ways to make extra money part-time.103) Provide Entertainment Can you sing or dance? Do you have an interest in entertaining others? Find part-time work with various entertainment companies in your area. I’ve been paid to act, sing, and make appearances as different characters at local events. I also used to work as a traveling wedding DJ for a local radio station. It was a lot of fun, and I made money doing it.Wrapping UpSeriously guys, these are just some of the ways to make extra money. There are probably hundreds more that we didn’t list here. So, don’t just stand there. Grab something off the list, and start earning extra money today!SaveSample Creditor Letter(Today’s Date)Attn: (name of person you spoke with)Credit departmentName of CompanyStreet or PO BoxCity, State, Zip CodeDear (insert name of person you spoke with)Thank you for speaking with me today about the problems I am temporarily having due to my unemployment.Please accept $(amount of new payment agreed upon) as the new payment on my account. My account # is __________.As we discussed and agreed to, I will make these payments on time until I return to work when I will resume making the regular monthly payment. Also, as we agreed, I will appreciate your reporting these new arrangements to the credit bureau so they will record these payments as “on time”.Again, thank you for your cooperation and understanding of my situation.Sincerely,(Your name)(Your address)(Your account #)Helpful Budgeting Resources and LinksWWW. - EveryDollar helps you create a monthly budget so you can achieve your money goals. Say goodbye to money stress and hello to confidence in your financial future. Create your first budget in less than 10 minutes. And…it’s Free.The United Way:WWW.WWW.WWW.WWW.211 - Is a vital service that connects millions of people to help every year. To get expert, caring help, simply call 211 today or search for your local 211 at Mid Michigan Community Action Agency – MMCAA can provide “commodities” (bread, mild, cheese, etc.) if you qualify.School and Summer Food Programs – Children from low-income families are eligible to receive free or reduced cost breakfast and lunch during the school year and/or during the summer at certain sites. 211 can help. – Possible assistance for mortgage or property tax payments.Low Prices On Groceries In Town - Coupon Printing & Earning Points Towards Free Stuff - Purchasing Coupons - Questions About Car Trouble - Compare Prices On Just About Anything - ................
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