Tag Archives: cash money

Turning Your Art Hobby Into A Side Hustle

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Turning Your Art Hobby Into A Side Hustle

So you’re looking for a side hustle, and you love art. Or, perhaps, you need to find ways to inject more creativity into your life while also bringing in some money. If either of those statements rings true, then maybe an arts and crafts side hustle could give you the creative outlet you’re looking for while also helping you create a financial plan for the future. Here are five ways that you can turn your passion into a cash cow side hustle:

Create And Sell Digital Art:

This is one of the most straightforward arts and crafts side hustles to start. You don’t need to buy any fancy equipment to create digital art, and you can sell it online to clients from anywhere in the world. In fact, there are tons of digital art marketplaces out there, including Etsy, Zazzle, and Society6. You can also take your digital art a step further by creating video tutorials that show your clients how they can use their new products. This not only allows you to get some extra content out there but also gives your clients added value.

Turn Your Art Into Home Decor:

If you create more traditional art, you can still sell it to customers as home decor. Frame Your Art allows you to list your art pieces for sale online and each frame comes with a free print of your art. You can also partner with local shops that sell home decor to display your framed art in their stores or sell your art on Amazon through the Merch by Amazon program. The catch is that you’ll have to print it yourself (or outsource it to a company), box it, and ship it out to customers. But if you have the time, this is a great way to instantly create passive income from your art.

If you make art yourself, stock up on supplies from King’s printmaking supplies and get to creating. It’s an easy way to turn your hobby into a side hustle.

Start An Etsy Store:

Art is a great way to keep yourself busy. It can also make you money and Etsy has become a go-to marketplace for handmade goods. There are plenty of ways for artists to sell their artwork and crafts to the public. However, if you want to start an Etsy store as a side hustle, make sure that you’re abiding by the company’s guidelines.

If you’re a creative person, chances are you have plenty of ideas for new products to sell. You can either create your own designs or source items from other designers. No matter what, you’ll need to make sure that your product is high quality. People tend to be very selective when purchasing handmade items. Take the time to do things right so you don’t have to worry about returns or poor reviews on your page.

Create Handmade Jewelry:

If you love to make jewelry but don’t want to sell your creations online, you can still make money with them as a side hustle. You can turn your jewelry-making hobby into a profit-making business by hosting small craft fairs in your neighborhood. Just make sure that you have permission to sell goods on public property.

In addition to craft fairs, you can also sell your goods online through marketplaces like Etsy, Amazon Handmade, and ArtFire. Keep in mind that this side hustle is more than just creating jewelry. You’ll need to set up your booth or display, attend events, and promote your business. You can also sell your jewelry at local shops. This allows you to get more visibility for your products, and you may even be able to negotiate a percentage of the sales.

Open A Print Shop:

Are you a Photoshop pro? If so, you can use your skills to create all sorts of designs for clients. Many companies outsource their printing to individuals who have the necessary software and knowledge to create the perfect design. You can find these jobs on sites like Upwork and PeoplePerHour.

There are also online print shops that allow you to design customizable products such as T-shirts, posters, tote bags, and more. First, you’ll need to create a shop through the website and upload your designs. You usually have the option to use a template or you can upload your own designs. Once you have the shop up and running, all you have to do is wait for customers to order your products.

If you have a passion for arts and crafts and are looking for some extra cash, a side hustle will be just right for you. How cool will it be to see other people enjoying your one of a kind pieces?!

Featured Image By: Jess Bailey Designs via Pexels

Curbside Shopping Pro Tips

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Curbside Shopping Pro Tips

Hello! Since the COVID-19 pandemic, Johnny and I have still been using curbside pickup to do our grocery shopping and it is, honestly, the best. I definitely don’t miss squeezing in grocery shopping during my free time, hauling around a big cart, and playing Tetris with all of my purchases to load in the car. I also love any type of online shopping so it’s kind of fun too even if it isn’t scouring the shoe selection on TJMaxx’s website!

Curbside shopping saves time and I know for a fact that I’ve saved money from it too so I thought that I would share some of my pro tips today for the next time you shop curbside:

Plan Your Menu:

Like many, the first thing that I do before I begin my shopping is plan what I would like to cook for dinner. This includes looking over my saved pins on Pinterest, revisiting old favorite recipes, and coming up with new ideas in my head. I make a list of the dinner items that I need and those are usually the last things that I add to my cart because I can just type in what I want into the curbside search bar.

Evaluate What You Already Have:

The beauty of online grocery shopping is that you can consult your fridge, freezer, and pantry while placing your order to see if you already have something that you plan on buying. I can’t tell you the amount of times I’ve done in store grocery shopping and returned home with something that was hiding in a nook or cranny! When I’m shopping curbside, I am always double checking what I already have so that I don’t have to pay for it twice.

Promotions/E-Coupons:

I buy my groceries at Giant Eagle and their store ad and E-coupons are conveniently located on the same site to shop curbside. You can also see the promotions running on each item while you’re shopping. Before my shopping, I’ll clip any coupons that I might need and check the ad for any good deals. To be honest, the E-coupons tend to leave a lot to be desired because it’s money off of items that I don’t need (baby care, pet care, etc.) but I have saved money from them on occasion.

Like many grocery stores, Giant Eagle has a rewards card where you earn money off of your next purchase or at the gas station when you spend money. If your grocery store has something similar, I can’t recommend signing up for their emails enough. Although emails from stores can be annoying, you will be notified of when you can earn some extra savings.

For example, Giant Eagle will do double points days and sometimes even five times the amount you earn on your next purchase. The last time I went to the store for some odds and ends was on a five times perk day and I ended up getting close to fourteen dollars in free money. My perks total resulted in forty-five dollars off during my last curbside order!

Double Check Your Cart:

When shopping in store, it’s almost impossible to go through a full cart and remove what you decide you don’t need. This is, of course, not the case with curbside and you can go through your cart at any time to add or remove items. After I have shopped through all of the categories, I will go through my cart at least two times and begin to dwindle down my order. It’s so nice to be able to see what you already have right in front of you, be able to look through what you have at home, and add or remove as needed. I never end up buying everything that was originally added into my cart which is a definite money saver.

At Giant Eagle, you can add or remove items into your cart up until your curbside shopper begins working on your order. This is also great because how many times have you returned home from the store to realize you didn’t get something that you needed! Make sure you find out the rules for your store so when you realize you need something at the last minute you can get it.

Remember:

While your curbside shopper is working on your order, you will communicate over text message if an item is unavailable or if there is a suitable replacement. The shopper will typically send you a picture of the replacement item so don’t forget to turn your data on if needed. The first time I shopped curbside with my smartphone, I didn’t realize I wouldn’t receive pictures from a non-iPhone without my data being turned on so I never got the pictures that were being sent. Whoops!

In my opinion, curbside shopping is the way to go when it comes to your groceries. I used to dread my trips to the grocery store but now I always find myself looking forward to my next curbside order!

Do you prefer in store or online grocery shopping? What is on your dinner menu this week? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Moving Abroad? Make Sure To Do The Following!

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Moving Abroad? Make Sure To Do The Following!

Moving abroad can be an exciting new adventure that you are ready to embark on. When you are there, it will be worth it and you will have an amazing time. However, to ensure you enjoy your time abroad, whether you are looking to move away for a few months or permanently, there are several important things that you need to have in place because the process can get pretty complicated. If you can get organized and sort these documents in advance, you can relax knowing that you have a smooth journey ahead.

To help you get started, here are some vital things that you need in place before your move:

Research the country:

You should always start by researching the country that you are moving to. This is because rules and regulations can be very different so you should never assume that you know everything. The best and most reliable source of information can be found at the embassy or consulate. They will be able to advise on the rules in the country, the documentation you need to complete before traveling, the documentation you need on you to travel, and much more.

Important documentation:

You will need a range of documents to be able to travel and live abroad. You should have these ready to go in a folder for protection before you intend to travel. You should also make copies of all of your documents and take a picture on your phone, in case you lose them. Some official documents can take a few weeks to arrive if you have to request them, so make sure you do this step well in advance to avoid disappointment. Some of these documents include:

  • Passport
  • Driving license
  • Birth certificate
  • Proof of citizenship
  • Insurance policies
  • Proof of residence
  • Vaccination record
  • Medical record

Finances:

Of course, your finances will need to be in order before your move. The best way to do this is to research the cost of living in the country that you are moving to. For example, if you live in New York and are moving to Dubai, you may find that living is much cheaper. Not only do you need money for living expenses, such as food and commuting, but you will also need to consider your accommodation and utilities. If you are moving to Dubai, there are plenty of apartments for rent in Palm Jumeirah that are affordable and located in a great spot. You will need to research the prices for apartments before you travel.

You should also consider insurance policies that will protect your money if you lose it, as well as your belongings. The last thing you want is to pay to replace your items if the worst happens!

Make sure you consider everything you need before you move abroad and do it with enough time to spare. You may wish to use this information and create a checklist so that you don’t miss anything important!

Featured Image By: Pexels

Getting By In Money & Mindset: 3 Methods To Incorporate

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Getting By In Money & Mindset: 3 Methods To Incorporate

It is not easy in the slightest to get by in the modern world. But whether you are trying to make extra money through numerous practices, or you are consciously trying to downgrade your life, there are so many different approaches that you could take to get by. Let’s show you a number of practices that could prove beneficial, and how you could use them:

Method One: Embracing a Minimalist Mindset

Minimalism has become very popular, not least because it can help you to make the most of very little. A lot of people are talking about minimalism as an antidote to what the modern world offers. If this appeals to you, you could sell your house quickly through companies like Offer Pear and start to live a more off the grid lifestyle. Being minimalist has a number of benefits for our mental health. We live in a world dominated by stuff. It seems that if we have to get ahead, we need more stuff, which means more money. A minimalist mindset means that you are effectively training yourself to get by with less.

Method Two: Becoming a “Slashie”

Also known as a portfolio career, this is where someone will make multiple income streams from different careers. A relatively new term, however, it appears to be essential to get by. Over the last couple of years, people have found that living off one income stream is not enough. Therefore, they’ve had to find ways to achieve extra income. There are naturally many approaches to doing this. If you already have a full time job, you may find having an extra part time role on top of what you do sufficient enough to help you live the lifestyle you want. But it is important to be aware that this approach can be difficult to maintain, depending on what your lifestyle entails.

Parents will struggle to maintain this approach if they don’t go about it in the right way. This is partly why many people try to find passive income streams. This is another very popular approach, but one of the downfalls of going with a popular approach to earning money means that it is already over saturated. If you want to become a slashie, the most important thing to consider is doing it in a way that doesn’t cause you to burn out. Many people feel that they need to maintain their lifestyles, and despite rising prices, rather than reappraising everything they have, they find they need to work more. The result? More stress, anxiety, and a whole slew of health problems! But, that being said, if you want to go down this route, the best approach is to do things that will actually make you happy and fulfilled.

Method Three: Addressing Your Expenditure and Income

Part of the problem in getting by in the modern world is that we believe that we need to earn more to maintain a current lifestyle. We’ve already talked about the importance of becoming a minimalist, but this may not be for everyone. You may think that your income is the first thing to address, but you need to look at what your income is actually going towards. If what is coming into your account is going out straight away, you need to look at the things you’re spending your money on.

One of the simplest things we can all do is to make a couple of downgrades. There are plenty of things that we can do for free, but rather than actually thinking we’ve got to completely get rid of everything to live a better life, it is about playing the odds and the balances. You can still go out for meals with your friends, as long as you find other ways to cut back on your day to day life. A very common example is daily takeaway coffee. If you opt for a homemade coffee, you will see how much this adds up.

These three methods can work together in tandem whether you are looking to save up for a big purchase or just cushioning your savings. The most important thing is to keep your mental health in check to avoid burn out. It is always okay to treat yourself!

Featured Image By: Pixabay

Simple Ways To Cut Down Home Ownership Expenses

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Simple Ways To Cut Down Home Ownership Expenses

Owning a home is a significant investment move. But, unfortunately, the costs involved do not end after your final payment. Whether you paid fully for your home or working with a mortgage, you will still face various home ownership expenses. Some of these are pretty much predictable, while others can take you by surprise. And unless you already have some financial cushioning, these expenses can be a source of stress. So, are you drowning under these waves of home ownership expenses? Use these tips to cut down on how much you spend:

Switch utility and insurance providers:

Suppose you’ve used the same home insurance company, utility provider, or electric company for over a year. In that case, it’s time to shop the market for alternatives, as you may be overpaying at this point. You will be pleasantly surprised by how much utility providers and home insurance providers vary in their price range. Take the time to check other providers and compare their prices and other special offers they may have, and settle for the ones that give you the best deal in terms of service and price.

Try refinancing your mortgage loan:

If you have a mortgage on your property and it’s eating chunks off your income, then you might want to consider refinancing. Thankfully, getting a refinance mortgage quote is easy, as you can do it online. According to some experts, the average interest rate on a fixed-rate loan for 30 years is 3.14%. So, if your current rate is even a fraction higher than that, opting for a mortgage refinancing could help save you hundreds of dollars every month.

You can also speak with a mortgage broker to determine what rate you can qualify for if you refinance or get a refinance mortgage quote online. However, you need to note that refinancing may come with some fees. So, be sure that you intend to own your home long enough to recoup the expenses saved.

Generate income from your home:

An effective way to reduce your expenses is to generate income from your property. Depending on where you are, the size of your home, or your special interests, various options are available to you. One option is to rent out rooms in your home. You can also rent out spaces in your yard for small home dwellers looking for land space for their tiny homes. Another option is to register for short stay hospitality services like Airbnb or rent out storage space in your garage.

Find out if you can reduce your property taxes:

There is always a chance that your property tax is not being assessed correctly. And that’s not all, as you can also enjoy tax breaks for various reasons. Property tax is probably one of your most significant expenses as a homeowner, so it pays to find if there are tax breaks for you or if you’re overpaying.

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Saving money where you can when it comes to your home will save you lots of stress in the long run. These extra savings will sure come in handy for home ownership surprise expenses that can’t be avoided!

Featured Image By: Pexels

Customers Refusing To Pay? Try This

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Customers Refusing To Pay? Try This

Nothing is more disconcerting than a customer who refuses to pay for quality services rendered. You’ve worked hard, but you’re not getting the reward. It can be heartbreaking. Fortunately, there are steps that you can take to ensure that you get the money you’re owed, no matter what your industry. Check out our ideas below:

Stop Working:

If a client refuses to pay you according to the schedule you initially set out, stop working immediately. Don’t continue toiling in the hope that you will eventually get paid. The reason you should stop working is because it helps you set clear boundaries. Clients who believe that you are a pushover may continue to ask you to work, even in the absence of any pay.

Leaving a project unfinished puts the client in a tricky position. They could try to find a workaround, but usually that’s not possible. It improves your bargaining position and makes it clear that their actions are unacceptable.

Charge Late Fees:

You can also try charging late fees. Late fees encourage clients to get their act together and to pay payments on time, instead of waiting for fines to accrue.

Work With An Industry-Specific Collection Service:

You can back up your efforts by working with a company that specializes in recovering payments. Many CBD firms, for example, use a cannabis collection agency since they understand how the industry works. Collection agencies reduce the hassle of collecting payments yourself. You don’t have to personally call clients and demand money (which can be emotionally draining). Instead, experts do it all for you.

Use Factoring:

You can also use a factoring model. Here, third-party companies buy your accounts receivable off of you and then pursue money collection themselves. Prices for this can be quite high. Usually, you’ll receive around seventy percent of the value of the invoice. However, at least it provides you with cash immediately, instead of having to wait for months, meaning that it is great for cash flow.

Make Contracts:

Making contracts in advance helps you to avoid late payment problems. By spelling out precisely what each party can expect, you have legal recourse should your customers fail to pay you at a later date.

Ask Why:

If customers won’t pay you, find out why by asking them. They could provide all manner of reasons – and you won’t necessarily know what they are in advance. In some cases, they might cite their own poor cash flow, in which case, debt collection might be the only option. In others, they might tell you that they’re not happy with the quality of the service. If there is a problem, try to find out specifically what it is so that you can correct it. Often, once you solve customers’ problems, they are more than willing to pay you.

Non-paying customers can be stressful. But, fortunately, you have many options. You can explore the issue more, find out what’s gone wrong, create incentives to pay on time, and even hire legal help.

Featured Image By: Unsplash

DIY Projects For Your Home

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DIY Projects For Your Home

If you are handy, completing DIY projects in your home is a great way to get creative and save some money. This is especially nice as the holiday season is fast approaching and there are gifts that need purchasing! Today, we are going to discuss some DIY projects that range from a beginner skill set to advanced to spruce up your home and fatten your wallet. Let’s get to it:

Painting:

Of course, you can hire a professional house painter but you can also do it yourself! From painting your house to freshening up a couple of rooms, completing a painting project on your own can be lots of fun. You can get creative with the colors and patterns that you choose and you can even turn it into an event. Gather some friends and have a painting party. Music, pizza, and a movie night afterwards will turn a chore into an absolute blast.

Painting doesn’t just have to be limited to rooms and the exterior of your house. If your walls are looking bare, try your hand at painting your own unique artwork to hang up. You can watch tutorials on YouTube or attend a Paint Night with friends to help you get inspired.

Refurbishing:

Refurbishing old and used furniture is an awesome way to save money and even make money if you’d like to sell your completed pieces on the side. It is also eco-friendly as you can purchase used pieces from a secondhand store and give them a whole new life. From sanding and painting to upholstering and adding on to the existing piece, there are lots of possibilities based on your skill level. You will end up with a one of a kind table or chairs that no one else in the world will have.

Landscaping:

If you have a green thumb, landscaping projects could be the DIY for you. Hiring a landscaping company to do it for you is easy but doing it yourself will be so much more rewarding! You could build your own raised planters, make a fountain out of terracotta pots, or simply lay down that mulch that you have been meaning to do for forever. Spending time outdoors is so good for your mental health and is even better when you are with friends. Garden party, anyone?

While your DIY skills may not be HGTV worthy, it never hurts to try something new. Who knows, you might just end up finding your new favorite hobby!

Budget Friendly Shopping For Your Home

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Budget Friendly Shopping For Your Home

Shopping for furniture, accessories, and appliances for your home or apartment can be so costly that it almost seems easier to leave things as is rather than updating or upgrading. Believe you me, I get it! However, I also know how effective budget shopping can be because I furnished my entire apartment on secondhand items. Today, we are going to explore a few different budget friendly options for your next home makeover:

Secondhand Stores:

The most effective eco and budget friendly option for making upgrades in your home is, hands down, second hand shopping. Buying secondhand is amazing because you are repurposing old things and preventing them from being dumped into a landfill. Your local Goodwill could be a treasure trove of unique furniture and accessories that you didn’t know you needed. This is also an ideal option for people who don’t want their homes to look like everyone else’s because of all of the cool accessories and knick knacks you can find. My art wall in my apartment is completely made from old pieces of art that I bought at the Goodwill.

Facebook Marketplace:

Another great option, similar to secondhand stores, is the Buy, Sell, Trade marketplaces on Facebook. This could be perfect if you are looking for used appliances for sale, furniture, or other odds and ends. The beauty of the Facebook Marketplace is that once you find the replacement for something in your house, you can list the no longer needed item and make some extra cash too. 😀

Always remember if you are purchasing from someone selling on a marketplace type website that your safety is paramount. It is best practice to meet up in a public location like the parking lot of a busy grocery store or coffee shop. You can never be too careful.

Apps:

The OfferUp app is a virtual garage sale where you can both post items for sale and make purchases. I haven’t used this app in a while but I have had a lot of luck in the past selling things on it. I have seen everything on OfferUp from cars, appliances, outdoor equipment, and clothing. The nice part about this app is that it categorizes all of the items on there which will really help narrow down your searches for something specific. You definitely don’t get this luxury at a local thrift store.

Yard Sales:

Summer is the best season for people to host yard sales due to the promise of good weather so now is a great time to do some browsing in your local neighborhoods. It might be a mixed bag but it is another option to save some money while making purchases for your home. You all know the old saying of one man’s trash!

Making updates to your home doesn’t have to break your bank. Get started with the ideas above and see how much you can save today!

House Flipping: A Lucrative Opportunity For Creative People

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House Flipping: A Lucrative Opportunity For Creative People

House flipping is a term for house renovations and resale. House-flippers are house renovators who intend to sell a house after renovating it. The house flipping process can be lengthy, but it can also be lucrative if done correctly. These house flippers will do minor repairs like Drywall Repair, plumbing upgrade, cosmetic repairs, all the way to complete house renovations, including adding additional features or even building an entirely new house.

Flipping houses is not a new concept, it has been done since colonial times. It operates on the principle of house resale value > house renovation expenses. Many house flippers will buy distressed properties with the intent of quickly renovating and reselling them at a higher price. Some house flippers specialize in specific skills which can make house renovation more efficient, such as plumbing or electrical work.

Tax rules:

House flipping can be a great investment, but house-flippers need to be aware of the house flipping tax rules before they invest. House-flipping is not different from house investing in that house flippers must pay taxes on their income earned by flipping houses.

House flipping is generally viewed as an attractive investment, especially for those who know construction and renovation. It generally requires a house flipper to have these skills if they are planning on doing major renovations such as adding or removing features of the home.

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House flipping can be done by both individual investors and business entities, but it is generally more profitable for individuals due to the tax treatment of house flipping income. Individuals who earn house flipping income are taxed on the expenses which are used for improvements and renovations. A house flipper can increase their profit from house flipping by taking deductions for renovation expenses on the federal tax return. If a house flipper uses their residence as a rental property or second home, they may also be able to deduct house flipping expenses on their house income tax return.

Increase value:

House flippers are not the only investors who can benefit from flipping properties. Property managers and real estate agents can also gain a great deal by house flipping because it benefits property management. House renovations will often increase the value of houses, which increases property values for property managers, house flippers, and property owners.

House-flipping is not for house hackers who are looking to do renovations on the cheap. House hackers can house flip, but it may be more difficult for them because they do not have the skills or construction tools necessary to complete larger renovation projects. On the other hand, house hackers will have house hacking skills which can make the renovation cheaper and more efficient. House hackers may also use flip tax deductions for improvements done on the property they are flipping.

House flipping isn’t just for HGTV. If you have the knowledge and skills, this could be a new business opportunity for you!

Featured Image By: Unsplash

Top Tips For Choosing The Right Car For You

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Top Tips For Choosing The Right Car For You

After a house, a car is probably going to be the next biggest and most expensive purchase that you will make. With this in mind, you want to make sure that you do not waste your time and money by picking the wrong one. Here, we look at some of the most important things to think about as you begin car shopping:

What is your budget?

The first step is to determine your budget as your car options will be constrained to what you can afford. This also applies to your monthly outgoings – gasoline, tax, and insurance costs can all come as a surprise if you are not careful with your money.

What are you using your car for?

The next thing you will need to think about is what you are going to do with the car. If you live in a city center and only use your car for shopping and commuting, you should consider the amount of parking space you will have – you might want something small. Conversely, if you live in the country, you should consider how bad the weather gets in the winter and whether you will need a car that can withstand inclement weather – maybe a 4×4. Of course, you might just be after a standard family car or something to have fun in on the weekends, such as a convertible or even drift cars!

What style of car do you want?

You need to consider what you frequently carry and the types of vehicles you prefer. If you regularly do the school run, you will need to plan space for your children. However, if your children are particularly socially active, they may bring friends home, which means you should consider purchasing a car with extra space such as a seven seater.

If you have a dog, consider how much space your pet will require in the boot and whether they will be able to jump up into it. An SUV can also be useful if you have older family members or very young kids because the extra height makes getting into the car easier.

How fast do you want your car to go?

You should consider how fast you want your car to be. Generally speaking, the faster a vehicle is, the less cost-effective it is. If you are watching your monthly expenses, you might want to consider a slower, more fuel-efficient vehicle. If you enjoy the sensation of speed or acceleration, spend a lot of time on the highway or enjoy crowing to your pals about your car, you will want a faster one. More speed comes at a higher cost – at the gas pump, on your insurance, and in maintenance – but a fast car can make some buyers proud every time they get behind the wheel.

Choosing the right car for you and your family involves taking many factors into consideration. It is not a decision that you should rush into – take your time to find the right one for you!

Featured Image By: Unsplash