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Get ready to experience comfortable and convenient living in the Shipley Terrace neighborhood of Washington, D.C.! Pre-leasing for Ridgecrest will begin soon, offering quality and affordable apartments that perfectly balance comfort and convenience.

Apartment Community Amenities

Residents at Ridgecrest can enjoy 24-hour availability, a playground, controlled access for peace of mind, and high-speed internet to stay connected. You can also take advantage of their on-site laundry facilities and package-receiving services. Ridgecrest Village provides off-street parking, on-site maintenance, and on-site management to cater to your needs. They also offer the convenience of paying rent online and professionally manicured grounds to relax and unwind.

Apartment Amenities Designed with your comfort in mind

Ridgecrest Village Apartments come with air conditioning, ceiling fans, cable-ready units, efficient appliances, a refrigerator, a gas range, hardwood floors, and window coverings. These features provide the perfect balance of functionality and comfort to make your apartment feel like home.

Pet Policy

Unfortunately, we do not allow pets on our premises.

Neighborhood Features

The Shipley Terrace neighborhood is a vibrant community offering a range of amenities. Enjoy a splash park, community pool, and the Town Hall Arts and Recreation Campus, which provides access to a variety of activities, including arts and crafts, fitness classes, and more.

We can’t wait to welcome you to Ridgecrest in Shipley Terrace. For more information about pre-leasing or to schedule a tour, please contact us today!

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Source: blog.apartminty.com

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Is fear stopping you from starting a new business or side hustle?

Almost every day, I receive an email that goes something like this: “I am afraid to start my side hustle and put myself out there. How do I get over this fear?”Woman sitting at table reading a book

Woman sitting at table reading a book

This is a common fear for anyone starting something new.

Today, I am interviewing my friend Christine on ways to overcome your fears when starting a new side hustle or business. Plus, I ask her other mindset and productivity questions I often hear.

Christine is a former full-time blogger turned certified life coach, freelance writer, and online marketer. She has tried a variety of side hustles and online businesses, and she is here today to share helpful advice to get you started with your business or side hustle. Christine is also the creator of The Harbor, a life coaching monthly membership specifically for online entrepreneurs.

Some of the questions I ask her include:

  • How can a person decide if a side hustle or business is for them?
  • How can someone get over their fears of starting a business and actually begin?
  • What’s the best planning method for productivity?
  • How can entrepreneurs create better work-life balance?
  • How can someone stop being overwhelmed when starting a new business?
  • What do you think a person should do if they are feeling burnout from their side hustle or business?

And more!

Starting a new business or side hustle can lead to many questions and fears, which can prevent people from pursuing their dreams and finding ways to make money.

With today’s article, you will learn how to overcome your fears and take the necessary steps towards starting a successful business or side hustle.

Please enjoy this interview.

Mindset and Productivity Tips For Starting A New Business

Please give us a little background on yourself and what led you to become a coach.

After college, I was stuck in jobs that paid barely above minimum wage. I didn’t have any valuable work experience or skills. And shockingly, my arts degree was not a money maker 😅.

Eventually, I started blogging on the weekends as a creative outlet from my soul-sucking full-time job. I eventually was able to replace my full-time job income (Thanks in part to your Making Sense of Affiliate Marketing course! I enrolled when you first launched it). 

I spent four years as a full-time blogger and as my blog and I each grew and evolved, I started to feel ready for a change. My blog provided a lot of step-by-step, actionable advice. I saw over and over again that my readers weren’t creating lasting change in their lives because there wasn’t a deeper mindset shift. 

This is what led me to pursue coaching. I wanted to learn how to help people use their minds to create lasting change in their lives. 

Instead of keeping my blog and transitioning it to this new niche, I decided to sell it, give myself time to immerse myself in an amazing coach certification program, and start fresh with a brand new coaching business. 

What side hustles and online businesses have you tried in the past?

I often feel like there’s not much I haven’t done! 

I tried my hand at proofreading but realized it wasn’t for me. I’ve created low-content journals for Amazon KDP (super fun!). I’ve just barely scratched the surface of selling Canva templates on Etsy.

With my blog I pursued many forms of income:

Because of my blogging experience, I’ve been able to do some amazing side hustles. 

I’ve done a good amount of freelance writing. This has been a good income source for me. However, I find it quite mentally taxing, so I can’t do a large amount of it. 

I still have a few very part-time virtual assistant clients. I enjoy the variety of virtual assistant work and getting a peek into how other people run their online businesses. Plus, the pay is good! 

I also do marketing work for a mid-sized literary company. 

Because I was a one-woman show and did everything myself as I built my successful blog, I’ve found that I have a lot of valuable skills! My successful side hustles have come because of my blogging background. 

What do your thoughts and emotions have to do with making money?

Everything! If you want to make money, learning to manage your thoughts and emotions is extremely important. Especially for side hustlers and entrepreneurs. 

Here’s how our lives basically work:

Our thoughts create our emotions. Based on our emotions, we take action (or don’t). Our actions create the results we have in our lives. In this case, the result would be making money (or not). 

Thought ➡️ Emotion ➡️ Actions ➡️ Result

When we talk about making money, we’re usually focused on our actions and results, right? But our actions are created based on our thoughts and emotions. 

So! An example: 

You want to send a series of three sales emails to your list to make money. Making money is the result that you want. 

If your thoughts are things like: I don’t want to bother people, people will think I’m pushy, or tons of people will unsubscribe, you’ll probably feel timid.

When you feel timid, what actions do you think you’ll take? You might procrastinate, send one email instead of three, and come across as apologetic instead of confident.

The result of your actions is likely going to be that you don’t make much money from your email list. 

So just to sum it up, here’s what happened:

Thought: I don’t want to bother people.

⬇️

Emotion: Timid.

⬇️

Actions: Procrastination, sending fewer emails than planned, apologetic vibe.

⬇️

Likely Result: I don’t earn much money. 

But what if you had a different thought? Maybe you intentionally choose to think: What I’m sharing has the potential to help my readers immensely. That is going to lead to very different emotions, actions, and results. 

Thought: What I’m sharing has the potential to help my readers immensely.

⬇️

Emotion: Excited.

⬇️

Actions: Write emails with confidence from a place of wanting to help people, send all three planned emails because I don’t want anyone to miss this valuable information.  

⬇️

Result: I follow through with my plan, serve my audience, and (probably) earn money.

Our thoughts and emotions completely change how we show up for our businesses. This massively influences the amount of money we make as well as our daily experience of being an entrepreneur. 

How can a person decide if a side hustle or business is for them?

I think that alignment is the key. There are endless ways to make money and everyone will tell you that their way is the best and for good reason–it worked for them! But it worked for them because it felt in alignment for them.

I am extremely introverted and have tried to follow methods from extroverted entrepreneurs for gaining clients. While I had a bit of success, I hated every second of it because it was so darn draining for me! 

To decide if a side hustle or business is right for you, it’s important to think about the actual day-to-day work you will be doing, not just the result you’d like of making lots of money. 

If you enjoy the daily tasks, you will be more likely to succeed. You’ll make more money AND enjoy the process. 

How can someone get over their fears of starting a business and actually begin?

I love this question because I’ve seen it come up since the day I started blogging.

I’d see new bloggers spend months trying to make their website look just right and get every single little element in place and then get super panicked about making their website public. 

Side note: Making your website live does not mean 10,000 people are instantly going to find you (if only!). Your website can be live the entire time you’re working on it. Almost no one is ever going to see it until you start really marketing it. 

So much fear comes from perfectionism. This is not about wanting everything to be perfect because we have high standards. It’s wanting things to be perfect so that we can protect ourselves from all possible criticism. 

There are two things that most experienced entrepreneurs know:

  1. Nothing will ever be “done” or “perfect”. Your business will always be growing and changing. So press publish, share it on Facebook, and tell the world about it. Striving for perfection stops you from making money and helping people. 
  2. What you do is not for everybody. Criticism can actually be a good thing. It means that what you’re doing is not bland, safe, and boring. It is memorable and will likely help you gain raving fans! 

Yes, it can feel vulnerable to start a side hustle or business. This is another reason why learning how to manage your thoughts and emotions is a powerful skill. 

If you have the desire to try something, I hope you will honor that desire and do it! Nothing is ever wasted. No matter what happens with your venture, the skills you learn along the way will be valuable and may lead to bigger and better things later on. 

What’s the best planning method for productivity?

I get this question a lot and the answer is: whatever works best for you in this phase of your life as long as you use the 4 keys I’ll share below. 

I spent years getting epic amounts of stuff done by using time blocking to schedule my weeks. However, a year and a half ago, my husband became unable to work due to chronic illness and I became his caregiver. 

Suddenly, time blocking did not work for me at all because I never knew how much assistance my husband would need each day. I needed a planning method that offered more flexibility. 

Some weeks, I use a good old-fashioned to-do list. I also have developed a planning method called the Check-Boxes Method that I use quite often. And sometimes I use a more simplified version of time-blocking. 

Any planning method can work, but it needs to incorporate these 4 keys:

  • Strategy: having an end goal for every single task on your schedule.
  • Prioritization: decluttering your schedule so that you’re doing the few things that make the most impact. 
  • Working distraction-free: everyone knows they should do this, but hardly anyone does.
  • Daily power hours: scheduling a chunk of time each day to do all the little stuff so that you free up more time for focused work. 

(I go into each of these in more detail within The Harbor’s foundations course.)

If you feel like you can’t find the right planning method for you, it’s probably because you’re missing one or more of these keys. The method matters much less than the execution. 

How can entrepreneurs create better work-life balance? 

The #1 most important thing to do if you want to create better work-life balance is to define what that means for you. 

The term work-life balance is really vague! It conjures up images of one of those banker’s scales where you have to have exactly the same amount of weight on each side for it to be balanced. But work-life balance is more about intentional imbalance than 50/50 balance. 

There are weeks when we spend tons of hours working and times when our personal lives take higher priority. The key is to have this happen on purpose. 

So what does ideal work-life balance look like for you? 

  • Is it working 35 hours per week? 
  • Is it never working at all on the weekend? 
  • Is it working 60 hours this week so that you can fully unplug for an upcoming vacation?

Work-life balance can be about where your thoughts are. 

For me, work-life balance is mostly about my mindset and being intentional. I want to be “all in” on whatever I’m doing. 

  • If I’m watching TV in the evening, I want to be all in. Single-tasking. Not also scrolling on Facebook or checking emails. 
  • When I’m working, I want to fully focus on one task at a time with as many distractions eliminated as possible. 

Here’s a journaling exercise for you: What do you imagine your life would look like if you had perfect work-life balance? Out of your answer, what can you do today (even if it’s little) to start incorporating better balance into your life? 

This exercise is worth repeating regularly. Maybe ideal balance this month looks very different than it did last month because of the life changes you have going on. 

How can someone stop being overwhelmed when starting a new business?

Learn one new skill at a time and ignore 99% of the advice out there. 

It’s sooo easy to get overwhelmed when you’re starting out. There can be a lot of new skills to learn and every piece of advice will tell you 21 more things you need to do to be successful. 

When I started out as a blogger, I focused completely on creating a regular posting rhythm. I just wrote and posted blog posts weekly. That’s it. 

Once I felt comfortable with that, I learned Pinterest marketing and incorporated that into my schedule. So I was writing blog posts and marketing them on Pinterest. That’s it. 

Each time I got comfortable with a skill, I learned something new: Creating an email list, adding affiliate links to my posts, creating digital products to sell, etc. (Not the order I would recommend doing these things in anymore, BTW.)

Whatever business you want to create, you don’t have to come out of the gate with every ideal element up and running. This is a marathon, y’all. You’ve got to be in it for the long haul.

Also, if you want to buy a course to learn a new skill, buy one course and incorporate everything you learn from that course BEFORE buying another course. One thing at a time! 

What do you think a person should do if they are feeling burnout from their side hustle or business? 

Oh man, this is such a big important topic for entrepreneurs! I’ll just dive into one aspect of it that I see most often in my clients. 

Someone experiencing burnout should work on improving the quality of their rest and downtime. Us entrepreneurs and side hustlers have a tendency to always be half-working. 

We work while we’re watching TV, check our email throughout the weekend, and respond to social media comments as we’re getting into bed. 

This means that we’re never fully “off the clock” and we have a really crappy quality of rest and downtime. 

Surprisingly, rest can be super uncomfortable! Our brains often tell us that it isn’t safe for us to rest. You might have thoughts like:

  • I should do more.
  • I could be doing…
  • I haven’t gotten enough done yet.

When you’re thinking about all of the things you could or should be doing, resting brings up underlying fear and anxiety. That’s OK! This is an opportunity to feel your emotions, allow them to be there, and then redirect your thoughts to ones that will serve you better. 

Some ideas of intentional thoughts for your downtime are:

  • It is safe for me to relax.
  • I am allowed to rest. 
  • Rest is good for me even when it doesn’t feel amazing. 

Creating more separation between work and downtime helps us recharge and recover from burnout. You need time to be fully off the clock–even if it’s just for two hours before bed. The quality sometimes matters more than the quantity. 

Side note: Your best business ideas will probably come to you when you’re fully disconnected from work. I get amazing ideas in the shower. When your mind is free to wander, it comes up with fabulously creative plans. 

What other tips do you have for someone who wants to start side hustling or start their own business?

Just do it! 😂

Honestly, my tip is to stop looking for tips and start taking messy action. Do it wrong. Do it badly. Consider every part of it an experiment and a learning process. 

You can’t research your way to success. 

Picture of Christine on a hike

Picture of Christine on a hike

What can a person learn from your coaching membership? How would this benefit someone looking to start a business or side hustle? Can you tell us about some of the people who have successfully taken this?

The Harbor is for online entrepreneurs who want to step into mindful productivity. I show my clients how to earn more while doing less by zeroing in on the tasks that will truly move the needle in their businesses and then making those happen. 

A huge part of this process is learning how to process your emotions and choose thoughts that serve you. It’s this deeper work that most people don’t want to do. But it leads to success that is anti-burnout and anti-busyness. 

If you’re just starting your business or side hustle, you will learn so many foundational skills that will help you set up a sustainable business: reducing overwhelming, creating a doable action plan, time and energy management, taking action from an empowered mindset, and more.

Some client-favorite topics that I coach on include:

  • Creating Your 1-Hour Growth Plan
  • Quality Rest and Downtime
  • Setting and Sticking to Boundaries
  • Overcoming Procrastination
  • Accountability
  • Time Management Methods

Workbooks are included in the membership so that everyone can apply the lessons to their unique situation. Plus clients can always get one-on-one help through weekly group coaching calls and unlimited written coaching. 

I work with online entrepreneurs and side hustlers just starting out as well as established entrepreneurs that are working on expanding their teams. Bloggers, virtual assistants, life coaches, writers, and more. 

I’ll share a few results directly from my clients:

“In just a few months I have gone from burnt out and overwhelmed to excited about my business and working on the things that are really going to move me forward in the direction of my goals. The Harbor has really helped me to get clearer on how to balance my business and personal life.” ~ Kayla, Virtual Assistant

“Each week I left with systems to implement that freed up more of my time. With the time that I was able to reclaim, I was able to work towards getting ideal clients. Not only was I able to get two new ideal clients, but they were booked at my highest fee pricing yet.” ~ Cassie, Pinterest Manager

“I realized during our sessions that I wasn’t working strategically, and even though I was busy, I wasn’t doing the things I needed to in order to get results… My biggest wins were getting new clients and seeing that I had everything I needed to keep making that happen.” ~ Shayna, Life Coach

“I was struggling with putting too many tasks on my weekly to-do list and feeling bad about not getting more done. Now, I have a streamlined weekly schedule that makes me focus on only the most important tasks with less guilt over what I’m not getting done.” ~ Jessica, Blogger

“I struggled with figuring out how to scale my business. I was mentally exhausted and so stressed at the end of each workday, and couldn’t see how I could take on any more work or clients. I enjoy my work far more with the new systems and am scaling my business to levels I never thought possible.” ~ Erin, Email Marketing Specialist

Most entrepreneurs and side hustlers think that they need to learn a new strategy to earn more money. What they actually need is to learn skills like mindful productivity, how to overcome procrastination and overwhelm, and how to do fewer, high-impact tasks. 

I often tell people that you don’t need to learn a new strategy. You know enough. You need to fully apply and incorporate what you already know. That’s what The Harbor is all about. 

You can learn more about The Harbor by clicking here.

What’s holding you back? What questions do you have for Christine?

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Source: makingsenseofcents.com

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40+ Expert Tips, Ways To Make Money On The Side, and Side Hustle Ideas. There are many different ways to make money on the side and many great side hustle ideas. With this post, you'll hear from several experts about how you can make side hustle income.

40+ Expert Tips, Ways To Make Money On The Side, and Side Hustle Ideas. There are many different ways to make money on the side and many great side hustle ideas. With this post, you'll hear from several experts about how you can make side hustle income. Here on Making Sense of Cents, I talk a lot about different ways to make money on the side and the many great side hustle ideas. I do this because I truly believe that making money on the side can change a person’s life.

After all, learning about different ways to make money on the side changed my life.

My main side hustle a few years ago mainly consisted of me blogging here on Making Sense of Cents. Then, it quickly grew, my income matched and then exceeded my day job income, and I actually made the decision to leave my day job in order to pursue my side hustle full-time.

As you can probably tell, starting a side hustle significantly improved my life and it’s something I will ALWAYS be extremely happy about. My side hustle income allowed me to pay off my debt quickly, leave the job I disliked, start working towards my passion, and travel extensively.

Taking part in the many different ways to make money on the side can allow you to:

  • Pay off your debt;
  • Save for things such as a vacation;
  • Stop living paycheck to paycheck;
  • Reach retirement sooner;
  • Not feel as stuck at your job;
  • Become more diversified.

Many others believe in the amazing power of side hustle income as well. I recently interviewed many side hustlers, freelancers, business owners, and more about the different ways they’ve made money on the side and compiled them into one extremely informative blog post to help all of you. Plus, they share their tips on how to manage side jobs better so that you can make money on the side while not going crazy.

Below are over 40 different side hustle ideas and tips from the experts. There are many different ways to make money on the side and I’m sure you’ll find one below.

Related articles on side hustle ideas:

Here are over 40 ways to make money on the side:

Start a blog.

Blogging is how I make a living and just a few years ago I never thought it would be possible. I now make a great living online, I travel full-time, and I enjoy the work I do.

I made over $300,000 last year by blogging and will make more than that in 2016 (I’m hoping to double my income this year).

There are many ways to make money on the side and one of the top ways I recommend is to start a blog. You can create your own blog here with my easy-to-use tutorial. You can start your blog for as low as $3.49 per month plus you get a free domain if you sign-up through my tutorial.

Become a Brand Ambassador.

“A side hustle that I absolutely love is being a Brand Ambassador. A Brand Ambassador quite simply shares talking points and usually free swag with the public in order to build brand awareness. Brand Ambassadors typically work on the weekends at different events so the trick is to manage family time if you have a family. For more information on how to become a brand ambassador check out the following post: How To Become a Brand Ambassador.” – Michelle Jackson

“Love meeting new people? Many cities have active brand ambassador Facebook groups that are constantly looking for product demonstrators, trade show spokespeople, tour managers, and more! And brand ambassadors can expect to earn $15-20 per hour.” – Kate Dore

Related: Become A Brand Ambassador And Make Extra Money

Write a book.

“Self-publish a book on Amazon that focuses on a topic at the intersection of 3 things: 1. your passion; 2. your expertise; 3. a need in the marketplace How much a person could make would be based on how much they want to charge for the book, but I would say you could make anywhere from $50 – $300 / month, depending on your book content / audience.” – John Lee Dumas

“Anyone can be a self-published author now and it is one of my favorite side hustles. Whether you want to share tips on how to do something or want to write a fictional story, any topic can be published. How much you make depends a lot on how much competition there is for the same type of book. I make between $300 and $500 a month for a crowdfunding book I wrote last year while my investing books make between $100 and $250 a month. The best thing is that, once published, they will keep making money year after year.” – Joseph Hogue

“Publish a book. It is easier than it used to be. You can self publish or if you have a platform such as a blog with associated social media you can pitch to publishers and generate interest there. Publishing a book increases credibility and leads to other opportunities such as speaking, course, freelance writing, judging, presenting awards, launching events and a lot of media exposure. Depending on how you do, what niche it is, how well you market it you can make anywhere from nothing right through to millions. Personally, getting asked to publish a book back in 2010 changed everything and was a pivotal turning point for me. Quite a few friends of mine earn a few hundred thousand a year from their books and associated content, others a couple of million. Most authors only make a few thousand if they are lucky though. It is all in how you market and how much of a following/community or tribe you have.” – Kylie Travers

Laptop 40+ Expert Tips And Ways To Make Money On The Side

Laptop 40+ Expert Tips And Ways To Make Money On The Side

Become a virtual assistant.

There are many ways to make money on the side online, and one of them is by becoming a virtual assistant.

“My favorite way for someone to make extra money from home (and what I would personally do if I needed extra money FAST is to be a virtual assistant. Specifically, I would be a VA to bloggers. There are so many ways to do this, including assistant with social media, creating images, writing content, etc. There are lots of Facebook groups set up specifically for people to sell content to bloggers. Really your income is only limited to the time you want to invest in it. Some VAs charge per hour and some charge per project/post. With a few hours per day, I’d say you could easily make $50-$100 extra per day.” – Lena Gott

“I’ve made most of my money by working as a VA and blog manager for busy blog owners. I fit my side hustle in alongside my full-time job by reminding myself that I was making a temporary sacrifice of sleep and free time in order to build my business to the point I could quit my job. I now make over $5,000/month online with my business.” – Kayla Sloan

A virtual assistant helps a business run more smoothly. You can be contracted for one project (such as collecting data for research) or it can be a continuing job such as replying to e-mails and comments. Virtual assistant work can range widely. There are many, many tasks that people hire virtual assistants for.

Related: How To Become a Virtual Assistant and What Does a Virtual Assistant Do?

Become a coach.

“Coaching is a great way to make side income. It needs practically no monetary investment… just time. Just be mindful of what you charge per hour, as almost everyone starts way smaller than they really should. When pricing your coaching services, if in doubt, double it!” – Chris Ducker – ChrisDucker.com

“One on One coaching is a really simple and fast way to start earning income fast for yourself. While people who’ve been doing this for a while will typically earn around $300, $500 an hour, someone just getting started could expect to earn $50 a $100 an hour. The benefit with this side business is that you can earn more per hour starting out which means you won’t have to work as much to earn as much. Also, consider offering package deals, this will allow you to sell at a higher price point and this gives a definite start and end date to things.”  – Chris Holdheide

Sell on eBay or Craigslist.

“I go through twice each year and pick up items I’m not using to sell on craigslist or ebay. I make about $3-400 each time I do it. That’s an extra $800 for something cool!” – Lauren Bowling

“One of my favorite ways to make extra money is to go around my house and find one thing to sell on Craigslist every week (particularly on Fridays right before the weekend when everyone loves to get rid of their money ;)). It not only helps you de-clutter and get rid of stuff that’s no longer important to you, but also make some good side money that you can then bank towards something you do care about! I made over $1,200 doing this last year and it helped fund a Roth IRA. Give it a shot!” – J. Money, BudgetsAreSexy.com / RockstarFinance.com

“One way that a person can make side income is by selling items on eBay. The amount of money varies. It depends on how many items you are selling and also the type of items. I’ve had months where I’ve made $300 (part-time), but I’ve also had months where I’ve only made $50.” – Jason Butler

Whether you have old clothes you want to sell, a car, electronics, or something else, eBay or Craigslist can be a great way to sell many different types of items.

Related: How To Sell On Ebay

Edit for others.

“One way a person can make a side income is to provide edits to authors. The amount they can make depends on the type of edits they provide and the number of projects they take on. I primarily take on larger projects that involve either developmental edits or line edits (or both!) but short story projects can also be a good way to work on brief projects while making a side hustle and break up the monotony of projects that are the same length. How much a person can make can also vary based on how they charge; for example, I charge per word in order to provide a better estimate, but some people charge per page. ” – Megan Harris

Get paid to search online.

Did you know that you can take paid online surveys to make extra money?

Swagbucks is just like using Google to do your online searches, except you get rewarded points called SB for the things you do through their website. You can also earn points by taking surveys, watching videos, and shopping. Then, when you have enough points called SB, you can redeem them for cash, gift cards, and more. You’ll receive a free $5 bonus just for signing up through my link!

InboxDollars is another online rewards website I recommend. You can earn cash by taking surveys, playing games, shopping online, searching the web, redeeming grocery coupons, and more. Also, by signing up through my link, you will receive $5 for free just for signing up!

Another one you may be interested in related to this one is Nielsen Digital Voice. Digital Voice is a part of Nielsen, which I’m sure you’ve heard of. All you have to do is surf the web and you may be able to start earning money.

Become a proofreader for court reporters.

In 2014, Caitlin made slightly over $43,000 by being a freelance proofreader, while also going on several fun vacations. If you are looking for a way to make money on the side, this may be something you want to look into.

“Court reporters use digital stenography machines in combination with computer-aided transcription software to write verbatim records of various legal proceedings. They report depositions, trials, hearings, arbitrations, case management conferences, compulsory medical examinations, examinations under oath, and pretty much any other type of legal proceeding. Because of the sensitive nature of legal proceedings, it’s imperative that as many errors as possible be eliminated from transcripts — an especially major error could ruin an entire trial! A fresh set of eyes will 99% of the time catch more errors than the same eyes who saw the text from start to finish, too. An excellent proofreader is a huge asset to a court reporter — especially a court reporter who wants to make more money.” – Caitlin Pyle – Make Money Proofreading By Becoming A Freelance Proofreader

Answer surveys.

You can get paid to answer surveys and to test products all from the comfort of your home. Due to this, I think it’s one of the easy ways to make money on the side as you don’t need any experience, skill, inventory, or anything like that.

Survey companies I recommend include VIP Voice, American Consumer Opinion, Survey Junkie, Clear Voice Surveys, Pinecone Research, Opinion Outpost, Survey Spot, Prize Rebel, and Harris Poll Online. They’re free to join and free to use! It’s best to sign up for as many as you can as that way you can receive the most surveys and make the most money.

Clean homes.

“One great way for a person to start making some side hustle income is to clean houses. It’s a chore that’s always in demand (I personally hate having to clean), and it’s pretty easy to get into. You can make anywhere from $100 a job and up, all depending on the time and level of cleaning you do.” – Glen Craig

Find a part-time job.

There are many, many part-time jobs out there that may be able to work along with your schedule at your full-time job. You can find a job on sites such as Snagajob, Craigslist (yes, I’ve found a legitimate job through there before), Monster, and so on.

Start an e-commerce store.

“A great way to make a side income is with an e-commerce store. Unlike a blog or an info site which does not actually sell anything, an online store allows you to quickly scale and generate revenue immediately after launch. My wife and I made over 100K in profit in our first year with our shop.” – Steve Chou

Drive a taxi or become an Uber driver.

“Drive a taxi at night. I’m reliably told that on Friday and Saturday a taxi driver who owns his/her car can make up to $300 per night. Nothing to be sniffed at! But what you decide to do as ‘side hustle’ depends on what you like to do and what you are really good at. If you like dogs, start a dog walking/sitting hustle.” – Maria Nedeva

“I’m always looking for new ways to make a few bucks so that I can then share the results with my readers. I wanted to test out Uber so that I could see if it was worth it. I drove part-time (weekends and evenings). The first week of driving generated me $651.60. Since the article went live, many of my readers have started driving on the side. You won’t get rich, but the extra money adds up. The other positive is that you save money by not going out. This side hustle will help you pay off debt and save up for your major goals. Good luck on the road and cheers to your new friendships that you’re going to create.” – Martin Dasko

Related: How To Become An Uber Driver

Write online.

“Freelance writing is an excellent side hustle because you can commit your time “per article,” and work at any time of the day or night. Most people can expect to make $50 per article and up. However, a lot of people – including myself – make considerably more as a professional freelancer.” – Holly Johnson

40+ Expert Tips And Ways To Make Money On The Side

40+ Expert Tips And Ways To Make Money On The Side

Test websites.

“One cool way to earn money on the side is by testing websites. There are a number of sites out there, but UserTesting.com is the best. You get paid $10 for testing websites and apps and following their instructions. It’s simple, easy, and you can earn about $30/hour with this. The work is not guaranteed, but it’s a great way to maximize any of your downtime with earning extra cash.” – Grayson Bell

Prepare taxes.

“One great side hustle most people can easily learn is preparing taxes. If you start your own tax preparation firm, your potential is unlimited. However, if you’re just learning, try getting a part time job at a place like Liberty Tax or H&R Block or a local CPA firm. At the big brands, like Liberty Tax or H&R block, you can probably expect to make between $10 to $15 per hour depending on your location and experience. This job is generally only seasonal, so it allows you to have summers and the holidays off from your side hustle.” – Lance Cothern

Become a photographer.

“Photography! Most people only think to hire a photographer for big events like weddings and baby announcements because photographers are expensive. Charge $100-$200 for an hour package at a local park, and in one weekend by booking your friends and family, you can easily make $2k with just family portraits. With the popularity of photo cards from sites like Shutterfly, you can be a saving grace for families on a budget and you’d be surprised at how many folks you know who would hire a photographer in budget!” – Shannyn Allan

Create a website.

“I’ve created several simple websites about apps and websites that I like and use. I write about how the apps work, pros/cons, other similar apps, etc. Some of the apps or websites give me credits or money when I get new users to sign up or use their service. I’ve made about $4,500 over the last three years, and I haven’t spent more than a few hours working on the sites during the last two years. I’d say overall I only put in 20-30 hours.” – Louis DeNicola at Saveful.com

Become an online tutor.

Online tutoring has become an open market place for the gig economy. This is a great option to make money on the side, or even convert it to full-time. Studypool provides a great platform for tutors to simply answer student’s question and get paid (no video chat required). You can earn up to $500/week tutoring part time or potentially up to $60,000 a year tutoring.

Take part in research studies.

“If you live in a city, or near a university or teaching hospital, you can make money participating in research studies that need human subjects. Just go to craigslist, click on “volunteers”, and type in “research”. There are a wide variety of studies out there: some are medical (if you’re generally healthy, you can often be a control subject), and some are more about psychology or other related disciplines. You can make anywhere from $10-$20 for a short, one-time study to hundreds or even thousands of dollars for longer, more involved studies. Another benefit is that you get to learn about the research that’s being done, which is often fascinating.” – Sarah from The Yachtless

Make money online.

“The best way that I know how to make side income is online. Specifically, by freelance writing and blogging. The amount of make you can make online is unlimited. If you’re just starting, maybe you’ll make $500/month. But over time, you can increase your earnings to $5,000/month and before long even more than that. I don’t know another side gig where the income growth potential is so high.” – Natalie Bacon

Film weddings.

“One way that my wife and I made $5,000 in the past year on side income has been filming weddings. A year and a half ago we had no video experience. Once we bought a camera and posting videos, we’ve had friends and friends of friends start asking us to film their weddings. Most everything we learned about video came from asking other film peeps to show us the ropes or looking up “how-to” videos on Youtube. Since weddings are typically on the weekends, they really are an ideal side hustle. They don’t get in the way of our typical work week at all and they pay high margin. Once you have some film experience under your belt, you can charge $3-5k per wedding film, easily. If you’re interested in getting started filming weddings, I would recommend tagging along with an experienced shooter. From my experience, they are always looking for good help if you’ve got an eye for good shots and can work well under a little stress (there will be brides after all). This past fall we apprenticed and was well worth the long weekend shoots. We learned so much about shooting good wedding film and made a good amount of money in the process.” – Heath Padgett

Sell a Product - 40+ Expert Tips And Ways To Make Money On The Side. 40+ Expert Tips And Ways To Make Money On The Side. There are many different ways to make money on the side and many great side hustle ideas. With this post, you'll hear from several experts about how you can make side hustle income.

Sell a Product - 40+ Expert Tips And Ways To Make Money On The Side. 40+ Expert Tips And Ways To Make Money On The Side. There are many different ways to make money on the side and many great side hustle ideas. With this post, you'll hear from several experts about how you can make side hustle income.

Create a product to sell.

“I’m biased, but I think creating an online product and selling it is one of the best side hustles a person can do. But people shouldn’t be scared for the term “product”. A product can be anything – an idea or content, a course, a widget, a downloadable printout, anything! And there are so many different avenues to sell today: create a blog, start an Etsy shop, sell on eBay or Amazon. The great thing about the Internet is that there is somebody out there that is looking for something and everything. If you’re a teacher, sell your classroom notes. If you’re an engineer, share your though processes. Anything can be turned into content, and anything can be packaged and sold.” – Robert Farrington

“The ways to make a side income are really endless. I’ve encountered so many ways entrepreneurs are able to make a side income. Although blogging has been the most lucrative way for me to make a side income, my favorite way is creating courses. Creating a piece of content showcasing your expertise in a specific are and people paying you for it is a great and rewarding feeling.” – Jeff Rose

Manage databases, apps, and more.

“Managing, designing or configuring cloud-based apps- ranging from social media and content management systems (like WordPress) to databases. I learned to administer salesforce.com databases for nonprofits and last year made $6,000-$15,000/month pretty consistently working from home. (The going rate for these services is $50-$200/hour) What helped me was going through a self-study course on the platform, getting a couple of certifications, doing some spec work, then going out and asking clients if they needed my services. I call it “Learn, Slay It, Sell It.” Find out about growing trends, get up to speed then see if people will pay you to do it. If you become enough of an expert at it, they will! The nice thing is that it doesn’t have to be anything you studied in school, just something you studied on your own and mastered enough to be marketable.” – Aja McClanahan

Build websites.

“One way to make side income is to build websites for people and for businesses. The first website I ever built I charged $1200. Even if you dont know programming, it is easy to learn by watching free tutorials on Youtube. I think it would be very realistic to make $2,000 – $3,000 on the side building websites.” – Deacon Hayes

Become an alcohol demonstrator.

“Back in college, I made extra money on side side pouring alcohol samples for people in grocery stores. It was easy and paid well, considering how I don’t even know how to open a wine bottle (If I wasn’t using a product in a bottle that had a twist top, I asked someone else to help open it). The job paid $20 to $25 per hour and I could choose when I’d like to work and what job opportunities I’d like to accept. If you like to talk to people and prefer a laid back and good paying side job, being an alcohol demonstrator is definitely worth looking into.” – Chonce at My Debt Epiphany

Become a consultant.

“Become a consultant in your spare time doing some of the same work you might do in your full time gig. This works best with white collar office type roles where you can do your work at home at your computer. Just make sure you don’t compete with your current employer.” – Jim Wang

Tips from the experts on ways to make money on the side.

Along with the many different ways to make money on the side above, I also asked experts for their top tips when it comes to managing a side hustle.

“One of the best ways to think about how to make extra money is to identify what people are already paying for. I, for example, recently hired someone to manage my Pinterest account. That’s a great hustle you can master through a course or ebook, then execute from anywhere on your own time. Make someone else’s overwhelm your opportunity.” – Stefanie O’Connell

“Set boundaries. If you don’t you will get pulled in every direction and your health, personal life, finances, everything will suffer. Set boundaries for times you will work on your side hustle, what you are willing to do and stick to it. Don’t let checking social media creep into time you are watching your kids play sport or time you were going to work out. No money makes up for lost relationships or lost health. ” – Kylie Travers

“To accommodate a side hustle that makes a serious second income one ought to re-organise their life. I’d say that keeping a time/task diary helps. For a week write down all you do and how long you do it for. Analyse it and decide to stop doing anything that is: a) not productive; and/or b) doesn’t give you a lot of pleasure. You’d carve up a lot of time. You can also start looking for activities that you can combine to save time; e.g. running and commuting to work.”- Maria Nedeva

“My favorite (and least-favorite at the same time) way to manage everything (four kids & four blogs) is to work when our kids go to sleep. I will do some things during the day, but nothing that will require my attention for more than just a few minutes. My husband and I work from home, on our blogs, so we spend around 4 or more hours every night working side by side on them. We also try to squeeze in two hours during the preschool hours. This allows us to spend our time with our kids during the day and work together at night. While we might be a little more tired than usual right now (haha!) we figure that we can make up this time when our kids are older and in school. 😉 It is all about balance and finding time when we can. We can’t give 100% of ourselves to everything at the exact same time, so setting aside time for family and time for working is what works best for us – so we can give 100% to our family during the day and then 100% to our blogs in the evenings.” – Becky Mansfield

“My best tip for finding time to make extra money on the side is to give up watching tv. I used to watch one or two shows each evening, and now I spend that time working on my blog. I also stay up a little later than usual some evenings to get work done so I can spend my days with my kids. I’ve found that if you make it a priority, you will find time.” – Lena Gott

“You can make extra income in many ways – the only real limit is the limit you put on yourself. If you’re technically inclined, you can monetize that in your “off” hours. If you’re knowledgable about a certain topic you can freelance write in that area. Even if you have no skills, which I don’t believe, you can do something as simple as work around your neighborhood to walking/sitting for dogs while people are away from home. The opportunities really are endless to make extra income, you just need to want it and think outside the box.” – John Schmoll

“As someone who works full time and runs a blog on the side, I am a master at time management and planning. The best advice I have to managing both a job and a side hustle is to prioritize. If your job is number one and your side hustle is number two, then you may have to say no to anything that interferes with these two priorities (e.g. events with friends or family). Personally, prioritizing my goals and creating a plan to achieve them, have been the two most important factors to succeeding with a job and a side hustle.” – Natalie Bacon

“Organization of your time. I work a 9-5 job, I come home and walk my dog, then cook dinner. As you can imagine that doesn’t leave a ton of time for your side hustle. It means organizing your time for your side hustle. After I finish eating dinner, I budget an hour to my side hustle. Now that doesn’t seem like a lot, but if you do it every weekday that adds up to 5 hours you spent on your side hustle. You might have missed “Making a Murderer” but you added $100 to your pocket.” – Even Steven Money

“Because I was writing for my full-time job and also freelance writing/blogging as a side hustle, the last thing I wanted to do after an 8-hour day was come home and grind out more copy. Because of this, I leaned heavily on my weekends and my evenings became sacred. Every Sunday evening from 4-8 I’d work on my blog or any projects I had in the pipeline. Writing on Sunday evenings became so routine I find myself doing it now even though I work for myself full time and can write whenever I want!  So that’s my advice: pick out a chunk of time that’s just for you and keep the date with yourself religiously.  No one ever likes to hear it, but the truth of the matter is that it takes sacrificing in other areas of your life to truly side hustle and make it worth your time.” – Lauren Bowling

“Top tip: manage your time smarter. Managing your time has everything to do with FOCUS. Tasks will expand to the time you allot them, so schedule the things that are important to you, and stick to that schedule. It’s not about finding more time, it’s about leveraging the same 24 hours we all have in a day, and focusing on ONE goal at a time for your side income will help you accomplish that goal. Better yet, The Freedom Journal will guide you through setting and accomplishing your #1 goal in 100 days, so my top tip would be to grab The Freedom Journal and start taking action! :)” – John Lee Dumas

“The best way to find more time for side hustles is to eliminate things you thoughtlessly do that add no value. Consider how often you look at the same news feed updates on Facebook over and over again. If you just check Facebook once per day, you’ll get the same info and save a bunch of time.” – Lance Cothern

“My top tip for managing a side hustle is to be very organized. Every week, I have a “planning night” where I put actionable items on my calendar and then I follow through with them. I also use Trello to manage projects and outline what “steps” they are in and keep checklists in Trello so I make sure I don’t miss anything. A person can find more time for side income pretty easily – devote half an hour over lunch, or take time away from your favorite TV show to look for ideas, and then do them!” – Megan Harris

“The number one thing you can do to manage your life and your side hustle is to simply schedule time for it and have your family hold you accountable to it. You can make time for anything you set your mind to. You somehow manage to watch your favorite show each week, make dinner as a family, etc. Well, if making extra money is important, you’ll find the time. Maybe it’s before work or after the kids are asleep? There’s always time. The trick is, set a designated time, ask your spouse and tell your kids that this is what the time is for, and then use that time to make things happen!” – Robert Farrington

“Managing a side hustle is like any other aspect of your life. If you want to succeed at it, you need to prioritize it. So, allot the time, work through the time, make your side income and then get back to the other aspects of your life.” – Chris Ducker – ChrisDucker.com

“I’d suggest starting small with just a few hours a week. It’s easy to look at your free time outside of your job and think you can easily add 20+ hours of work per week. This can easily lead to burnout, and which might kill any motivation you had for side gigs.” – Jeffrey Trull

“One of the best things you can do for your goals is to wake up an hour early and *only* spend time working on what’s truly important to you. Sure you can watch less TV at night or hustle on your lunch breaks, but I find a single hour in the morning when everyone else is sleeping to be much more productive. And then you’ve started the day off with a major accomplishment no matter what else happens the rest of the day! It’s a beautiful thing!” – J. Money, BudgetsAreSexy.com / RockstarFinance.com

“Find something you enjoy doing that you don’t normally get to do otherwise. Turning it into a side hustle will offer incentive to make time for it. For instance, if you love pets and aren’t currently a pet owner, you can sign up with Rover and dogsit, or maybe work as a dog walker. That way you’re killing two birds with one stone.” – Jackie Lam

“The best way to make time for a side hustle is to learn to manage your time better. If you’re watching three hours of television each night, for example, you may need to give that up to work on your side hustle instead. If you’re still too busy, consider getting up at 5:00 or 6:00 a.m. I did that for over a year before I was able to quit my 9-5 job to pursue my side hustle full-time.” – Holly Johnson

“You need to make time for your side hustle. I would work on it during lunch, at morning before I went to work. Sometimes I would do it when on nights and weekends. I think most people could find 1 – 3 hours per day to work on a side gig.” – Deacon Hayes

“First, make a weekly calendar of all the events in your life.  On that same calendar, enter in the blocks of time you plan on working on your side hustle.  Treat those times like anything else that is important on your calendar.   If you schedule time from 8-9pm on Wednesday and you forgot your favorite show is on, no excuses!  Commit to these times and don’t let anything interfere that isn’t a family emergency.” – Jeff Rose

“My top tip for managing a side hustle is work at a scheduled pace. Set aside a certain number of hours every week and make sure that you make consistent progress. To find more time, I’ve replaced television and YouTube surfing for more productive activities.” – Steve Chou

“I used to struggle with finding extra time outside of my work and family life. The one tip I recommend is use your down-time more effectively. Instead of watching an hour of TV, take that hour and work on a side hustle. If you’re a night owl, use that when everyone else is asleep to create a business or develop a product. We don’t use all time effectively, but just taking chunks here and there and building a side hustle can change your life.” – Grayson Bell

“Choose your side hustle wisely. Choose to market your skills and talents instead of just looking at it from a financial standpoint. Earning a lot of extra money sounds nice, but if you don’t enjoy what you are doing, you will start to dread it quickly and it will take up more of your time. I’m able to work quickly and efficiently on side projects I enjoy so I can make the most of my time. I also try to cut out mindless tasks that take up time like binge watching television or browsing aimlessly through social media.” – Chonce

40+ Expert Tips And Ways To Make Money On The Side. There are many different ways to make money on the side and many great side hustle ideas. With this post, you'll hear from several experts about how you can make side hustle income.

40+ Expert Tips And Ways To Make Money On The Side. There are many different ways to make money on the side and many great side hustle ideas. With this post, you'll hear from several experts about how you can make side hustle income.“The opportunities to earn extra money are endless. But your time and energy are finite. Prioritize a health diet, exercise, socializing, and relaxation. You will be rewarded with extra energy for a side hustle on top of your day job.” – Kate Dore

“You don’t have to make it a part-time job. Make it a hobby first and don’t stress out about getting it done immediately. Find five hours a week to work on the book. Spend a couple of months learning everything you can about the subject or developing the characters/idea. Books can be as short as 40 or 50 pages or as long as you want to write them.” – Joseph Hogue

“If you really see a future in what you are doing, invest in your “side-hustle” by creating systems and ways to duplicate yourself i.e. subcontracting work when possible. Since we are a debt free family, our “personal burn rate” was low enough where I didn’t have to pocket all the business revenue. I eventually began to subcontract workers to fulfill client requests. It was a huge time saver for me and kept it a part-time gig for me that was relatively stress-free.” – Aja McClanahan

“Choose a side hustle that you also get some sort of personal benefit out of, in addition to the extra cash. For example, you might choose a side hustle that helps you get more exercise, or that gives you the chance to earn a new skill, or that allows you to meet new people, or just something you find really interesting. You’ll be more likely to stick with it if there are multiple benefits.” – Sarah Noelle

“You need to make it a priority. The best way to make it a priority is to understand why you need this extra income – pay off debt? Save more for retirement? That goal will drive you. Then make sure you list all the non-essential tasks you do and rank them, your side hustle will be above some tasks… make sure you hustle before you do those tasks.” – Jim Wang

Hope you enjoyed this expert roundup on different ways to make money on the side. Do you want to make side hustle income? Why or why not?

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Source: makingsenseofcents.com

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When it comes to renting an apartment, understanding the different types of leases available is essential for both tenants and landlords. A lease agreement serves as a legally binding contract that outlines the terms and conditions of the rental arrangement. While the most common lease is the standard one-year lease, there are other types of leases that offer different durations and flexibility.

From month-to-month leases for those seeking short-term arrangements to fixed-term leases for individuals looking for a longer commitment, exploring the various lease options allows both landlords and tenants to find an agreement that best suits their needs. We’re covering the four different types of leases for apartments, providing insights into their benefits and considerations and enabling you to make an informed decision when entering into a rental agreement.

Fixed term lease

A fixed-term lease, also known as a lease for a specific term, is a type of rental agreement that establishes a period during which the renter agrees to occupy the rental property. Typically, fixed-term leases last for one year, but they can also range from several months to several years, depending on the agreement between the landlord and the tenant.

One of the key features of a fixed-term lease is its stability and predictability. Both the tenant and the landlord enter into a contract agreement that outlines the start and end dates of the lease, as well as any terms and conditions that the renter has to abide by. This provides a sense of security for both parties, as they know the duration of the lease and can plan accordingly or resign when their lease is up.

Ideal renter type: students, stable-income renters and families.

Month-to-month lease

A month-to-month lease is a type of rental arrangement that operates on a short-term basis without a fixed end date. Unlike a fixed-term lease, which has a specific duration, a month-to-month lease automatically renews on a monthly basis until either the tenant or the landlord provides proper notice to terminate the agreement.

One of the key advantages of a month-to-month lease is its flexibility. Renters have the freedom to continue renting the property on a month-to-month basis without being locked into a long-term commitment. This flexibility is particularly beneficial for individuals who may have uncertain or changing plans.

Ideal renter type: renters with jobs that relocate, students and renters who need flexibility and renters who want to test out a living area.

Joint lease

A joint lease, also known as a co-tenancy or shared lease, is a type of rental agreement in which two or more individuals sign the lease together. In a joint lease, all tenants are equally responsible for the obligations and terms outlined in the lease agreement.

One of the primary advantages of a joint lease is that it allows roommates to share the responsibility of renting a property. This is commonly seen among roommates or friends who wish to live together and split the rent and other expenses. By signing a joint lease, all tenants are liable, meaning that each tenant is individually responsible for the full rent payment and any other terms outlined in the lease. If one tenant fails to fulfill their obligations, the other roommates are responsible for covering the shortfall.

Ideal renter type: couples, close friends, relatives and students who want to live with others.

Sublease

A sublease, also known as a sublet, is an arrangement in which a tenant rents out all or part of their leased property to another individual. In this arrangement, the original tenant becomes the sublessor, while the new occupant becomes the sublessee. The sublessee pays rent directly to the sublessor, who then forwards that payment to the original landlord.

Subleasing is useful for certain situations. For example, if a tenant needs to relocate temporarily but doesn’t want to break their lease, they can find someone else to take over the remaining lease term.

Before entering into a sublease, it’s important to review the original lease agreement with the landlord. Some leases prohibit subleasing without the landlord’s consent, while others allow it under certain conditions. If the original lease permits subleasing, the tenant must typically seek the landlord’s approval before proceeding.

Ideal renter type: renters who get relocated, renters studying abroad or moving for an internship.

To lease or not to lease

Understanding the different types of apartment leases is essential to determine the right fit for you as a renter. By considering factors such as lifestyle, financial situation and future plans, renters can make informed decisions about the most suitable lease type for their specific circumstances. Regardless of the lease type chosen, clear communication, attention to detail and mutual understanding between landlords and tenants are key to fostering a positive renting experience.Ready to sign one of these types of leases in your dream apartment? Start here!

Source: apartmentguide.com

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Starting the journey to find your dream apartment is an exciting time. Figuring out your budget and what apartment fits best into your life is an important first step. By calculating how much rent you can afford, you can explore a range of apartments and find the perfect one that fits your preferences and budget.

calculate your rent costs before jumping into a new lease

Utilizing a rent calculator

This rent calculator will help you find an apartment within your budget. Tell us where you’d like to live, how many bedrooms you’re looking for and your annual income (before taxes). Then we’ll crunch the numbers to help you find a new home you can afford.

How much rent can you afford?

Most finance experts would recommend paying no more than 30 percent of gross (before tax) monthly income for rent. Another target is to spend no more than 50 percent of net income (after taxes) on rent, utilities and all other monthly living expenses. However, there is no one-size-fits-all model, and the best way to decide is to write out exactly how much you earn, how much you spend on living expenses and how much you want to save for the future.

The 50-20-30 rule is a recommendation for how to spend percentages of your after-tax income. According to this rule, you should put 50 percent towards “needs” (rent, bills, groceries and the like), 20 percent towards savings and 30 percent towards “wants,” like shopping, hobbies, traveling and going out to eat.

What is the difference between net income and gross income when calculating rent affordability?

It is recommended to consider net income rather than gross income, as tax rates vary depending on factors like state, city, income level and family size (dependents). While gross income is easier to calculate, using net income provides an accurate evaluation of what you can afford.

are you budgeting enough for your apartment? monthly expenses can add up, when you factor in your month's rent, security deposit, upfront costs and more into your rent budget

How do I tackle budgeting?

Rent: To save up without knowing the exact amount of rent, a general rule of thumb is to set aside 30 percent of your paycheck. However, if you know the precise rent amount, it’s better to deduct the exact sum from each paycheck. For instance, if you receive your pay every two weeks, subtract half of your monthly rent payment from each paycheck.

50k salary

On $50,000 a year, you’re making $4,167 gross per month. Taking 30 percent of that, you are able to afford up to $1,250 per month in rent.

75k salary

On $75,000 a year, you’re making $6,250 gross per month. Taking 30 percent of that, you are able to afford up to $1,875 per month in rent.

100k salary

On $100,000 a year, you’re making $8,333 gross per month. Taking 30 percent of that, you are able to afford up to $2,500 per month in rent.

125k salary

On $125,000 a year, you’re making $10,417 gross per month. Taking 30% of that, you are able to afford up to $3,125 per month in rent.

Utilities and other expenses: Utility costs can really vary. It’s helpful to review your bills from the past three months and calculate the average cost of each bill, including electricity, gas, water and internet. Add up the total average cost of these expenses and divide it by the number of paychecks you receive per month. This will give you an idea of how much to set aside from each paycheck.

How do I handle splitting rent with roommates?

While splitting the rent 50-50 may seem fair and straightforward, it may not be the best for everyone. For instance, if one roommate has a substantially bigger bedroom, it may be reasonable for them to pay a slightly higher rate. In any case, it’s important to have an open discussion with your roommate before moving in and document your decision in a roommate agreement to avoid any potential conflicts in the future.

family moving into a new rental location

Starting the apartment search off right

Calculating how much rent you can afford before embarking on your apartment search is essential. While it may be easy to get carried away, calculating beforehand helps set realistic expectations, enable better planning, ensure financial security and empowers you to make smart choices.

Ready to start your apartment hunt? Search here.

Source: apartmentguide.com

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11 Ways You're Wasting Time And How To Change It

11 Ways You're Wasting Time And How To Change It

Everyone has the same 24 hours in a day. What you do with it is up to you, but you may be wasting time each day which can hold you back from reaching your goals.

If you are able to figure out where in your day you are wasting time, you may be able to:

  • Start a side hustle
  • Make more money
  • Pay off debt
  • Spend more time with your loved ones
  • Learn a new skill
  • Have more fun in life
  • Travel more
  • Reach a dream of yours, and more!

Just think about it: What do you think you could do with an extra 5-10 hours, or even more, each week?

You might even be wasting time without knowing it. You might not realize how this wasted time easily adds up to a huge number of hours.

Hopefully today’s topic will help you find hours in your week, no matter how they are lost.

Here are 11 ways you’re wasting time and how to change that.

Related reads:

1. Checking your email over and over

I’m guilty of checking my email numerous times throughout the day. It’s a problem I have, but I am slowly getting better with lots of room for improvement.

Checking your email can waste a lot of time. By dedicating your time and focus towards checking your email, you may be losing your train of thought when you should actually be doing something else.

I recommend checking your email just a few times a day, or even (EEEK!!!) once a day.

2. Being unorganized

Being unorganized can waste a significant amount of your time and leads to late fees, stress, lost items, and more.

Here are some surprising statistics I found from Simply Orderly about being unorganized:

  • The average person spends 12 days per year looking for things they can’t find.
  • Every day the average office worker spends 1.5 hours looking for things.
  • In a recent survey, 55% of consumers stated they would save anywhere from 16 to 60 minutes a day if they were organized.
  • 23% of people pay bills late and have to pay late fees because they are unable to find their bills.

3. Watching TV

I love a good TV show, but I can honestly say that I watch too much TV. The average person watches TV for over 35 hours per week!

Can you imagine what you could do by reclaiming just half of those hours each week?

Related: Cut the cable cord and start saving thousands of dollars!

4. Gossipping

Whether you spend too much time reading celebrity tabloids or if you talk about people a lot, spreading gossip can be a huge waste of time.

Just think about the amazing things you could do if you focused on yourself instead of wasting so much time gossiping about others.

5. Taking forever to get ready

Many people spend way too much time getting ready and picking out their outfit. By having less clothing options and/or choosing your outfit the night before, you can save valuable minutes each day.

For more information I recommend checking out Becoming Minimalist’s blog post, 8 Reasons Successful People Are Choosing to Wear the Same Thing Every Day.

6. Not having a to do list

I have a constant to do list.

Without it, I would feel lost, unorganized, and probably even confused about what to do! Yes, I rely heavily on my to do list, but putting a to do list together doesn’t have to be hard. I keep my to do list on my phone, and it’s just a simple list of things I need to do. Others find planners work for well for them.

Your to do list will keep you on track so you don’t forget what needs to be done on a daily, weekly, or monthly basis, which in turns keeps you motivated towards your goals.

7. Procrastinating

Procrastination can waste time as you may find anything else you can possibly do before completing a certain task.

Then, you might do things that waste even more time, such as just standing around, watching TV, cleaning the same area you’ve already cleaned 10 times that day, and more.

It’s much better to understand why you are procrastinating and how to create an action plan to stop this time wasting behavior. By focusing on what you need to do, you will stop wasting time!

8. Spending too much time on social media

The average person spends many, many hours on social media each week. Between Pinterest, Facebook, Twitter, Instagram, Snapchat, and many others it can be quite easy to waste your entire day away.

If you find that you are spending too much time on social media and that it is negatively impacting you, you may want to close the accounts you are spending too much time on. You can even create a time block so you cannot access your accounts during certain periods of the day, and so on.

9. Being negative

You are wasting time when you are being negative.

Instead of focusing on negatives like regret and being mean, you can be more productive by using this time for things that actually matter.

Related: How To Be More Productive: 17 Tips To Help You Live A Better Life

10. Multitasking

Some people can multitask successfully, but many people cannot with the large amount of time it takes to refocus on a new task. So, if you are constantly switching back and forth, you will have to spend time refocusing every single time.

It’s best to realize your strengths and weaknesses to know whether or not multitasking actually helps you save time.

11. Hitting the snooze button

Sleeping for those two minutes after your alarm goes off isn’t going to change your life. There are many scientific studies proving that hitting the snooze button does nothing good for you.

I know many people who set their alarms to go off anywhere from 30 minutes to an hour before they actually want to wake up.

I’m not going to lie. I used to do this as well and thought it was the only way I could get up. It definitely did not work, as I always felt extremely groggy and sometimes even more tired!

Instead, you should wake up when your alarm first goes off to use those minutes valuably. You should either start going to sleep earlier, or setting your alarm for when you actually get out of bed.

How are you wasting time? How much time do you waste each day?

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Almost everyone wants to find a way to make more money. Making more money may allow you to pay off debt, travel more, retire earlier, and more.

Almost everyone wants to find a way to make more money. Making more money may allow you to pay off debt, travel more, retire earlier, and more.Almost everyone wants to find ways to make more money. It’s only natural, as making more money may allow you to:

  • Pay off debt
  • Travel more
  • Retire early
  • Stop living paycheck to paycheck
  • Afford the things you want in life
  • And more!

One of the things that usually stops people from making more money is a lack of time. However, making more money and managing side hustles all depends on how badly you want it.

Some people may not want it as badly, and that’s fine. However, excuses won’t help you, so if you really want to make more money, then you will have to find more time in your day.

Just think about it: What do you think you could do with an extra 5-10 hours, or even more, each week?

Whether you want to transform your side hustle into your full-time career, want to make more money to tackle a financial goal, or something else, finding ways to make more money can completely change your life.

While I don’t side hustle any more, I am always looking for ways to increase my income. Before, I used to side hustle, work a full-time job, attend college, volunteer, and more. Now I mainly just focus on my business and managing a comfortable work-life balance.

Related:

Whatever it is that you are trying to balance, below are my tips for finding time to make more money.

Be realistic about how much time you have

Everyone has the same 24 hours in a day, but others may be more limited than others. I understand that different situations can make a person quite busy. In the end you always need to be honest with yourself about how much available time you have to make more money.

You don’t want to run yourself ragged, forget about the things that truly matter in life, hurt your work performance, and more.

However, many people do have extra time in their days but just don’t realize it. For one week, I recommend keeping track of the time you spend on various tasks and see how much time you waste.

You’ll most likely be very surprised and learn how to find extra time to make money.

Wake up earlier

When I had my day job, I would usually wake up around one to two hours before I had to start getting ready for work. I would use this time to work on my side hustles, which included replying to emails, brainstorming ideas, managing my blog, finding mystery shops, and more.

Sometimes, waking up early was rough, but it was nice to get everything done before I went to work.

If you’re not a morning person, you can always try to fit in time before you go to bed. Often I would even work on my side hustles for a few hours before I went to bed.

If you spent two hours every day before you went to work, you could put 10 hours each week towards your side hustle ideas.

Related: 9 Tips To Wake Up Early & Why It Feels So Good

Get rid of time wasters

I want you to do something right now. Yes, right at this moment!

Take a moment and really think about how much time you waste watching TV and browsing social media.

According to Neilsen statistics, the average person in the U.S. spends 40 hours each week watching TV and movies. Plus, according to AdWeek, adults spend nearly two hours every day on social media. For teenagers the amount of time increases dramatically, to nearly 9 hours a day!

That is an enormous amount of time being wasted.

Use short gaps in your day wisely

Everyone has gaps in their day. This could be a gap before you have a meeting, a gap between your day job and night classes, a gap before you have to pick up the kids from school, or something else.

Maybe you have 30 minutes or an hour. Most people will just plunk down on the couch and watch TV or browse Facebook. However, you should find ways to wisely use these gaps in your.

Multitask correctly, if you can

You may want to try to multitask, as long as it does not decrease the quality of your work or cause you to waste more time.

Some examples of easy and productive multitasking include:

  • While I am cooking a meal I work at the same time. Instead of just standing and making a meal, I use the little breaks I have to work. Or, I may even use that time to do short exercises, such as lunges, sit ups, squats, and more.
  • If you are on the phone and on hold, you could do something while you are waiting, such as creating your grocery list, short workouts, finishing up an email, and more.
  • Do all of your errands in one trip instead of spreading it over a longer period.

You do want to keep in mind that some people are good at multitasking, whereas some are not. There is proof that multitasking can actually result in you wasting time, because it can take time to get yourself ready every time you stop and start a task.

I recently read something that said whenever you start and stop a task you waste at least 25 minutes. That adds up over time!

Due to this, you will want to be smart when it comes to multitasking, and see what is and isn’t helping you.

Rethink your commute

This one may not be for everyone, as many people do need to drive to work. However, if you commute to work using something like a bus or train, then you might want to efficiently use this time by working on your side hustle jobs.

If your side hustle is something that you can do from your phone, laptop, or just with a piece of paper, then this can be a great time to brainstorm ideas and work on your side hustle.

Stay organized

Being organized can help you save time and make more money.

Here are some surprising statistics about being unorganized that I found from Simply Orderly:

  • The average person spends 12 days per year looking for things they can’t find.
  • Every day the average office worker spends 1.5 hours looking for things.
  • In a recent survey, 55% of consumers stated they would save anywhere from 16 to 60 minutes a day if they were organized.

Strategically use your lunch time

When I had my day job, my lunch time was almost always used for my side hustles. I would often bring my lunch to work, which allowed me to save money on food and to use that whole hour for my side hustle ideas.

Right there, that’s five hours every week for side hustles, just by using your lunch hour.

What do you do to save time, so that you can make more money? What time management tips do you have to share?

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A Complete Guide To Renting A Room For Extra Money

A Complete Guide To Renting A Room For Extra MoneyIn one week, my sister will be moving back in with us.

She’s joining us in Colorado so that she can do a little more traveling while having a safe place to store her stuff. She won’t be with us full-time, as she mainly plans on using our home as a home base so that she can travel more. However, she will be with us some of the time and she will be paying rent for when she is actually with us.

Related article: We’re Moving To Fruita, Colorado! And My Moving Bucket List.

I’m excited to have her move back in. We’ve missed her, it will be nice to have our dog sitter back (I’m not going to lie, this will be amazing), and the little extra money will be nice.

While renting a room in your house most likely will not make you rich, it may earn you a good amount of side income. I know of a few people who rent out many rooms in their home and have been able to pay off their home completely due to this.

There are many things to think about if you are interested in renting out a room in your house. It’s not an easy decision and will require some thought. Some people love the extra cash that renting a room in your house brings, while others just aren’t meant to live with others.

Side note: This post is about renting a room in your house on a long-term basis. If you are interested in renting out a spare room on a short-term basis (such as for vacations), I highly recommend you check out Airbnb. I know people who are making thousands of dollars a month by renting out rooms on this site!

Related: 12 Passive Income Ideas That Will Let You Enjoy Life More

Below is what you need to know when renting out a room in your house for extra money.

Check to make sure you can start renting out a room in your house.

Before you spend any more time, you should always make sure that you can actually rent out a spare room in your home. If you are unsure, it might be a good idea to check with laws in your town as some towns are a little picky when it comes to rentals.

If you are renting your home from someone else, then it’s always wise to ask for your landlord’s permission. They might want a new contract written up or they might even say no.

If you live in a neighborhood that’s in a homeowners association, sometimes they don’t allow renters either. It’s very wise to check with your HOA as well so that you don’t get fined.

Research before you set a monthly rent.

Setting a price for your rental can be a hard part of this process. I highly suggest that you do your research before you assign a random number on your spare room. I say this because if you price it too low, then you may actually end up costing yourself money in the end (due to wear and tear, utility bills, etc.).

Also, if you price it too high then no one may be interested.

You can determine the price of your room rental mainly by checking comparables. You can check what other spare rooms are going for in your area, what extras they may be offering, whether there is a private bathroom included or not, and more.

One thing you will have to determine is whether you will include utilities in your rental rate, or if you will split all bills with your new roommate.

For me, I like to just make it easy and include it. However, you may lose money if your new roommate is wasteful when it comes to electricity, water, etc. By splitting utilities, your roommate will most likely be more mindful of what they are using.

Advertise that you are renting out a room in your house.

There are many places where you can advertise your rental. You can put a sign on your front lawn, advertise in a newspaper, or place an ad online on a website such as Craigslist.

Everyone and everything is online now, so posting your ad online will most likely be your best choice.

Always be honest with what you list in your advertisement. You should be honest about how big the room is, what rooms come with the agreement, if there is a separate entrance, and more. Also, be sure to include pictures of what is included.

Interview possible roommates.

You should never just take any random person when renting out a room in your house. Always conduct interviews just like you would if you were renting out your whole home.

Conducting interviews is important because you can learn more about the possible roommate, weed out any crazy people, and determine if the two of you will get along. You will be living within feet of them, so this is a very wise step to take.

You can also do a background check if you would like as well. After all, you will be living with them!

Always set rules when renting a room in your house.

Before your new roommate moves in, it is always a great idea to talk about (you may even want to create a contract) the many things that people fight about once they move in together. This can help prevent arguments.

Some of the things you may want to talk about include:

  • Can they have friends over? What about a party or a BBQ? What about sleepovers?
  • What noise level is allowed?
  • Who cleans the home?
  • What area or areas are off limits?
  • When is rent due?
  • Who buys things like toilet paper and trash bags?
  • Will food be shared? Sometimes when renting a room in your house, food is shared. I don’t think this is common though.

Would you ever think about renting out a room in your house for extra money? Why or why not?

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Looking to learn how to get $20 PayPal now?

Whether you want to learn how to get $20 in 5 minutes or if you have a little more time such as a day or even a week or so, there are many ways to learn how to make $20 fast so that you can make extra income and real money.How To Get $20 PayPal Now

How To Get $20 PayPal Now

Earning an extra $20 through PayPal may seem like a daunting task at first when you are in real need of making money fast, but it is doable.

In this article, I’ll introduce a few simple ways to get $20 in your PayPal account, allowing you to use the extra cash for whatever you need.

Whether you have a last minute bill that you need to pay, or if you are looking to put a little extra money into your savings (for example, maybe you’re just looking to put an extra $20 a week towards a vacation fund), there are many ways to make $20 right now.

You may decide to find a part-time gig answering questions online, freelance writing, dog sitting, or more. These are just a couple of the many ways to earn $20 with PayPal.

Some of the ways mentioned today may allow you to work from home, such as from your cell phone or your laptop.

Related content:

How To Get $20 PayPal Right Now

Quick Online Methods to Get $20 PayPal Now

There are many sites that may allow you to make $20 fast, and all from home. Some quick online methods that you can do starting today include the below.

Swagbucks

Swagbucks is one of my favorite websites to make easy money online, as it offers a variety of tasks like watching videos, taking surveys, playing games online, and searching the web.

I usually earn points and redeem them for PayPal cash or free Amazon gift cards (I’ve actually earned over 110 gift cards from Swagbucks!), and with a good number of things you can do to earn points available, getting $20 is doable in a short amount of time.

You can join Swagbucks by clicking here and get a free $10 sign up bonus.

Survey Junkie

By taking surveys on Survey Junkie, you earn points that can be converted into PayPal cash, helping you to quickly reach your $20 goal. The surveys are easy to complete and allow you to share my opinions on different topics.

You can sign up for Survey Junkie by clicking here.

Branded Surveys

Branded Surveys is another survey platform that can help you earn extra money. After earning Branded Surveys points, you can cash out via PayPal. There are over 3,000,000 users who take surveys on this website, so it is very popular!

You can sign up for Branded Surveys by clicking here.

American Consumer Opinion

As a member of American Consumer Opinion, you get the chance to participate in product testing, surveys, and even earn cash for referring friends.

You can typically earn anywhere from $1 to $5 for a survey, which mainly depends on the length of the survey. Longer surveys typically pay more than shorter ones.

You can sign up for American Consumer Opinion by clicking here.

Ibotta

Ibotta is a cash back website that gives you a $10 sign up bonus for signing up once you spend $30. You can get cash back for shopping at stores such as The Home Depot, Best Buy, Chewy, Walmart, Old Navy, and more.

You can sign up for Ibotta by clicking here.

MyPoints

As an online reward platform, MyPoints can be a useful tool for you to make extra money through surveys, online shopping, and even watching videos.

By completing various tasks and earning points, you’re able to cash out your earnings to PayPal and make $20 in a short amount of time. They have given out over $236,000,000 in rewards over the years.

You can sign up for MyPoints by clicking here.

User Interviews

User Interviews can help you to make extra money by participating in online research studies and interviews. With a variety of interesting topics and user-friendly platform, making $20 and getting paid through PayPal is an achievable goal, as there are many focus groups on this website that pay over $100 per hour.

They launch over 2,000 studies each month and are always looking for new participants.

You can sign up for User Interviews by clicking here.

You can learn more about the highest-paying survey sites and how to test new products at 18 Best Paid Survey Sites To Make $100+ Per Month.

Freelance Opportunities for $20 PayPal

Another option is to take on some freelancing jobs. By freelancing online, you may be able to earn $20 by the end of the week (and usually much more money!).

See what skills you have to offer, and then list your services online.

Fiverr

Fiverr is a platform to offer your services and quickly make $20 with PayPal as a payment method.

There are many different categories to choose from, such as graphic design, voice over, illustration, writing, translation, online tutoring, and marketing. You can click here to see the many different types of job categories that they have listed on their website

You can set your own prices and gig extras to maximize your earning potential. When you complete your tasks, and the clients approve them, the payment gets transferred to your PayPal account.

Freelance Writing

A freelance writer can easily earn $20 fast. A freelance writer may write for many different types of clients, such as a website, magazine, marketing department, book publishers, and more.

You may be writing articles, blog posts for SEO, marketing content, newsletters, press releases, and so much more.

You can learn more in my article 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)

Proofreading

As a proofreader, you are looking for misspelled words and punctuation mistakes in written content such as articles, blog posts, advertisements, resumes, and newsletters.

You can learn how to find jobs at 20 Best Online Proofreading Jobs For Beginners To Earn $40,000+ Each Year.

Alternative Ways to Earn $20 PayPal Fast

If you want to learn how to make $20 fast, there are many other ways to make this possible.

Below, I will be talking about how you can sell your stuff online, micro-investing, getting cash back when shopping online, renting out a spare room, pet sitting, and even getting a personal loan.

Sell Your Stuff Online

One method for earning $20 on PayPal is by selling your used and unused items online. You may be able to sell an old cell phone that is sitting around (such as from maybe when you upgraded your last phone, or if you even have an old phone that has a cracked screen), clothing, jewelry, appliances, and more.

Many platforms, such as eBay, Poshmark, Facebook Marketplace, Craigslist, and Decluttr, allow you to create listings and accept payments through PayPal.

This not only helps you to declutter your space but also turns your belongings into some extra cash. Plus, you can get $20 instantly by doing this as there are probably many items in your home that you can sell right at this very moment.

Acorns Micro-Investing

Acorns allows you to link and round up transactions from both debit and credit cards and essentially invest their spare change. Acorns also does 2x, 3x, and 10x multipliers on round-ups so you can maximize your investments and have a more diverse portfolio.

For example: If you use a linked card to buy a $4.22 latte, Acorns will round it up to $5 and invest the $0.78 difference. Turning on round-ups will increase your investment to $1.56, $2.34, or $7.80.

You can click here to sign up for Acorns.

Shopping Online with Rakuten

Rakuten is a cashback website. You can earn cashback for simply shopping online.

By signing up for Rakuten today, you can also get $30 as a welcome bonus after you spend $30.

Plus, this is for shopping online at many of the stores that you probably already shop at, such as Walmart, Target, Best Buy, Old Navy, Chewy, and more.

You can learn more and sign up here.

Rent out a spare room

If you have a spare room in your home, you may want to consider renting it out on platforms such as Airbnb or finding a long-term roommate to make extra money.

This will, of course, earn you much more than $20, but I wanted to mention this here because it can be a way to make consistent money each month if you are looking for more ways.

To learn more about renting out your spare room, please read A Complete Guide To Renting A Room To Make Extra Money.

Babysitting and Dog Walking

Another way to make quick money is by babysitting kids or providing dog walking services in your local area.

Websites such as Care and Rover make it easy to connect with families in need of a babysitter or a pet owner looking for a dog walker or pet sitting.

You may be watching the children or pets in your own home or their customer’s home – it simply depends on what type of service you want to offer. Sometimes people like to be in their own home, whereas other times maybe you would rather go over to the client’s home for the services.

The gig economy has been a fantastic option for earning extra money, and these platforms make it easy to get paid through PayPal, direct deposit, or cash.

Albert – quick personal loan

If you need cash now and the above options will not work for you, a company called Albert may be able to give you a small advance of up to $250.

There are no late fees, interest, or credit check. If you want to avoid personal loan lenders who have high interest rates, and only need a small cash advance, then Albert may be a place to start with. Albert is available in the App Store and Google Play. How this works is that they send you $250 from your next paycheck. You simply repay them when you receive your next paycheck.

You can learn more about Albert here.

What app can I get $20 from?

There are many apps that can help you learn how to make $20 right now.

These may include:

This may be available on your laptop, tablet, or cell phone (Android or Apple).

How can I get $20 right now?

If you want to learn how to get $20 right now, then I hope you enjoyed today’s article and are able to try a few of the options listed above.

There are many other ways to get $20 in PayPal right now, from taking up side hustles to searching for free money in your spare time.

From earning sign up bonuses from a simple online purchase to selling your used items on Facebook Marketplace to taking online surveys to taking on odd jobs, there are many ways to earn $20 fast.

Whether you are looking for $20 in PayPal cash, a direct deposit of $20, or visa gift cards, there are many ways to earn $20 and more quickly.

Do you want to learn how to get $20 PayPal now? What tips do you have to share?

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