Posted by Suzi
As a personal finance adviser, I always tell people to take advantage of any opportunity that they come across. One of the best ways for stay at home moms to contribute to their income is earning money online. Paid surveys offer a simple and free way for moms to make a few extra bucks.
All you need to do is register with a few legit paid survey sites like Swagbucks (here is a great review of Swagbucks.com) and you can start making extra cash right away.
There are a few things that make getting paid to take online surveys great.
- Anyone can take surveys even a stay at home mom.
- Who else is going to pay you for your opinion!
- As a mom personally it is very important to me to have a say in products and services that I use for my kids, and market research studies allow me to do do just that, plus I get paid for it.
- A free way to earn extra cash.
- You can work whenever and wherever you desire.
So, how does paid survey taking work?
It is really simple. You basically find a list of legit paid survey site and register with them for free. Then you fill out your profile so they can match you with available surveys.
Then whenever there are surveys that are match to your profile, you get notified by email. You take the survey and in a few days or weeks (depending on the site) you get paid by PayPal, Check or you get gift cards or other prizes. It really can’t get any easier than that.
How much can you get paid to take online surveys?
Don’t expect to get rich as a survey taker. The best you can hope for is a few hundred dollars a month which I would think nowadays is a lot of money and can help pay a few bills. On average, a survey that takes 15 minutes to complete will pay out around $3.
Of course, there are surveys that pay less or more. It all depends on the length of the survey and the market research firm who is conducting the survey.
So, if you are thinking about ways to supplement your family’s income, give online surveys a try. But beware that there are scams out there as well. So make sure you do your due diligence when choosing a survey site to work with.
Posted by Suzi
You’ve finally managed to graduate from college and ended up with your very first paying job ever. I am sure it feels great. I can remember when I had arrived there about 7 years ago. It feels great. And best of all the felling of independent is just unbelievable. However, as they say, along with independence arrives accountability and that can be very scary.
Most of us really don’t have much money left after paying all the bills to save. So, the best way to save money in my opinion is to try to make some kind of additional income.
If you need some ideas, check out he following link for a some simple and easy ways to make money online.
Whether you want to make money, save money or basically learn about personal finance to manage your life better, the following few tips will help you.
1. Having a budget
- Monitor your current expenditures for just 30 days. Take note of every single dollar spent. For instance, $1 for candy, $700 for rent.
- Break your spending into categories, such as groceries, phone bill and clothing. Total up what you spent in each category.
- Review every single expenditure. Perhaps there is a place where you might be able to save a few dollars. Think small (go to the local library instead of buying new books) and big (say goodbye to your vehicle and experience the public transportation system).
- Make a note of just how much you intend to invest on every category per month. That is basically your budget.
2. Student education loans
- Get in touch with your current student loan office and assure they’ve got your up-to-date contact details. Determine the amount you will be required to repay, as well as your repayment start time. A lot of loans give you a deferment choice, forbearance durations and versatile payment routines, however you must request them.
- Maintain documents of all the monthly payments you will be making. You could subtract interest rates on your loans, governed by particular income qualifying criteria.
- Record long and short term objectives, and just how much you have to save toward each and every one. A case in point of a short-term end goal can be a second hand car. Long-term targets include a deposit on a house as well as retirement living.
- Try to save at least 10-20% of your current earnings. Don’t have a whole lot of hard cash to burn? Modify your budget to reduce your current expenditures.
- Create a savings account. Keeping the cash beyond your bank checking account will help keep you against wasting it on items besides your current objectives.
- Check with your current financial institution to arrange automated savings transactions on a monthly basis. Using this method you’ll always remember to save.
4. Credit Cards
- Don’t be taken in by con artists. Keep away from any kind of offer which guarantees people credit irrespective of your credit history, bills a good up-front rate, demands you to contact a 1-900 number, or perhaps claims to fix your credit track record.
- Obtain the credit card that matches your business needs. Certain features, including reward points, could possibly have greater costs.
- Pay back no less than the bare minimum amount due by the due date to protect yourself from overdue charges. The more you pay on top of the bare minimum, the quicker you’ll pay off the account balance.
- Create payment pointers than enable you to realize what exactly is due and when its due.
- Remain inside your borrowing limit. Exceeding it may possibly bring about fees to be rejected.
- Learn how to create a reminder that you’re getting close to a set limit you determine yourself.
5. Retirement living Preparation
- Save just as much as you possibly can meant for retirement living.
- Enroll for a 401(k) program at your workplace. A lot of companies match your contributions, which means that your financial commitment comes with the possibility to get bigger a lot faster. Put in place an Individual retirement account, and save towards retirement living as well as deferring your income taxes.
I hope these few pointers will help you get on the right path of financial freedom. If you need more assistance, I am here to help. I have been helping people learn and manage their personal finance for over 10 years now.
Please use my contact page to contact me for a free PFSR (Personal Finance Situation Review)