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Ever get to the end of the month with a few days left and wonder where all your money went?
A successful budget will let you know where your money is and what it's for. This Workbook walks you through the 7 essential steps to creating a successful budget no matter what budgeting method you use.
Chime works by starting a spending account (takes 5 minutes) and opting into the automatic savings plan. (Learn more about getting started with Chime). Every time I use the Chime Debit Card it rounds up my purchase to the nearest dollar and puts in in savings. Right now they also offer a double round-up bonus on those savings. All those withdrawals add up over time. Chime is free to use, with no monthly fees. With Chime, you end up saving money without having to think about it.
Nothing blows a budget like forgotten expenses. So use this list to build a smart budget that will help you to reach your money goals. This checklist includes over 200+ expenses to consider when calculating how much to budget for each category of your budget.
The key to not dreading looking at your bank account and kicking financial ass is understanding your finances. Once you know what is going on, it is easy to take action, set some goals, and accomplish them.
YNAB (FOR BUDGETING)There are tons of budgeting tools and apps, I turned to YNAB and finally got my budget under control. When, I became self-employed and had to figure out budgeting with an irregular income. I once again turned to YNAB and have finally gotten back on track, not to mention I LOVE all the new updates. If you want to check it out YNAB offers a free 34 day trial so you actually have time to figure out if you like it and if it will work well for you.
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Debt sucks! But the only way out is to make a plan and act on it.
This workbook will walk you through the best debt payoff methods and help you to create your own debt attack plan.
One way I'm making extra debt payments is with Qoins. When you sign up for Qoins, you connect your bank account and then spend as you normally would. Qoins will round up your purchases to the nearest dollar and put that change towards an extra debt payment.
Basically, Qoins will help you pay down debt faster by applying an extra payment for you by using your spare change. There is a $1.99 charge each month. However, they take it out of the spare change they set aside for you so you never see a charge in your bank account. If there isn’t at least $10 in your Qoins account they will roll that amount into the next month free of charge.
If you have private loans or your debt to income ratio allows, consider refinancing with a company like SoFi. Learn more about what it's like to refinance with Sofi. Refinancing my bar loan with SoFi ended up saving me over $1,000. Use my link to refinance your student loan and you'll get a $100 bonus.
I used Contena when I was working my 9-5 and getting started freelance writing. It made it easy to find freelance writing jobs to pitch. While it's not a cheap Contena it is definitely worth it if you don't have a ton of time to spend looking for freelance writing jobs to pitch.
Contena pulls together pretty much all of the available freelance writing jobs out there into one place and will even notify you via email of ones in your niche. They also provide an estimate of how much you will make with each job.
I know because it changed mine. Through Side Hustling I was able to pay off over $6,000 of credit card debt in just 5 months.
Don't keep waiting for money to fall in your lap or to win the lottery, go out there and get your side hustle on.
This guide includes over 10 pages of side hustle ideas and lets you know what you need to do before you get started hustling.
Rover is a website that connects pet sitters with pet owners. I did a video tutorial on how to use the site as pet sitter and the accompanying post goes over what makes Rover a great side hustle. Read and watch the post or get started petsitting.
In February 2018, I made over $500 with Rover walking dogs around lunch time.
Driving with Lyft is a great way to earn some extra cash. I love how easy it is to just turn on an app when I feel like driving and make some money. I wrote an entire post about driving for Lyft. It includes what you can expect during the application process, what it's like to actually drive and the many perks of driving with Lyft. Get started driving for Lyft.
I use Grammarly as a second pair of eyes to help me clean up and proofread my writing/typing. The best part is that it is free to use. You can install an extension on your web browser and it will check any writing you do online. While there is a paid premium version, you can get by with the free version for a long time. I only recently upgraded. If you want to know more about Grammarly, you can read my review.
Whenever my library of books gets a bit too crowded, I like to go through and grab the ones I know I won't reread and sell them. I use BookScouter to see where I can earn the most money selling my books. You enter the book's ISBN number into BookScouter and it compares the prices it would get from various sellers, making sure you fetch the most money possible for selling that book.
Personally, I found the course, 30 Days or Less to Freelance Writing Success extremely helpful to get me started. It breaks everything you need to do, step by step so that by the time you get to pitching for jobs you are prepared and successful. For me, the course paid for itself when I got my first freelance writing job. I now earn between $2,000-$4,000 per month (check out my income reports) with freelance writing. Check out my full review of the course.
I use the QuickBooks Self Employed (BTW you'll get 50% off with my link) app to calculate my quarterly taxes so I know how much to set aside.
Though keep in mind it only keeps up with federal taxes and you will need to set aside an additional amount for your state taxes.
While there are lots of sites you can easily sell your DVDs to (and be reimbursed for shipping or given a shipping label), I've often used Decluttr to sell my DVDs and CDs.
I got the Thrive Themes Membership when I decided to redesign LDMW and it’s been fantastic. It replaces Leadpages which was costing me over $400 a year. It also produced a much cleaner design with so many great tools I’m still working to implement and get the most out of everything. Just to note, Thrive Themes only works on WordPress.org sites. But if you have a WordPress site I highly recommend using Thrive Theme, I love it and have become a bit obsessed with everything it can do.
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Just because you're trying to cut back on expenses, doesn't mean you have to cut back on entertainment. Here is a guide to saving money on all things entertainment.
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Download 45+ Ways to Save Money & Still Have a Life, click below to get access!
Want to save money without resorting to extreme couponing or completely giving up a social life?
Download 45+ Ways to Save Money & Still Have a Life, click below to get access!
Looking for ways to save money on groceries but don't have time for that extreme couponing nonsense?
This checklist will walk you through easy ways to save money on groceries
I like ordering a box of different wines to try from Winc every few months. The bottles average $13 a piece and delivery is free when you get at least 4 bottles (more wine please). If you want to check out Winc, you can get a free bottle of wine using my link. I'm very pro free wine.
Barkbox will send toys with treats every month, which since I’m working on training, the treats make the box extra helpful. It also means I don’t have to regularly go out and buy new toys because she’s consistently getting them through the mail.
If you want to try a Barkbox subscription, you can get your first box for free using my referral link, when you do, my dog, Lucy, will get a free Barkbox too.
I don't have cable and while there are tons of news stories floating around social media, there are also tons of fake news stories floating around social media. I've been a loyal Skimmer for over three years. The Skimm is a news source that shows up in your email first thing in the morning M-F.
It gives you a 5-minute rundown of what's happening in the world and links to legitimate news sources if you want to learn more about a topic. They also include book recommendations and other fun tidbits. I start every day with my coffee and The Skimm. I <3 it so much.
You download the Checkout51 app and sign up for free. Each week on Thursday, "new deals" come out. Go through and star the items that are on your list. Do your shopping and at the end use your phone to snap a picture of receipt through the app and hit submit. Once you earn $20 in rewards you can cash out and Checkout51 will send you a check.
If you are on Rover walking dogs you can use what you earned as credit to pay to have someone watch your pet when you need to go out of town. Even if you're not side hustling with Rover, booking sitters through them is a great idea. Whether you are dropping off your dog at the sitter or just having some one come and drop in at your home, Rover makes it easy.
With Rover cards, you know just what time your sitter got there and when they left, they also require sitter's to send pictures and mark just how many time your pet went to the bathroom.
Savings can mean the difference between going further into debt and turning your finances around.
I know when you're in debt it feels like saving money is impossible, I promise you it's not. This Build Savings Action Plan will walk you through how you can build up your savings, even if you're broke.
This guided action plan will help you figure out how to financially pay for an emergency. Because emergencies happen and the last thing you want to worry about is how to pay for it.
If you don't want to open up a new bank account, then Qapital can help you reach savings goals. Once you have the Qapital App installed and a bank account (or in my case three) connected you set up a goal or goals. I currently have two, one to save for taxes #selfemployed and one to save for spending money when I travel hack my way to Paris. Then you set savings rules for each of your goals.
For example, I have a round up to the nearest $2 rule, a guilty spending rule -when I buy Dominos, and a savings rule for every time I hit my step goal with FitBit. There are tons of different savings rules you can set up and the best part is Qapital is free to use. Bonus, when you use my link you'll get $5 after your first savings.
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