Inside: Do you want to know the legit ways on how to make 200 dollars fast? This guide will show you how to start working on fast money ideas. With tips on side hustles, online trading, and more, you’ll be able to build up a healthy bank account in no time.
Do you want to know the different ways to make 200 dollars in your leisure time? I bet you do! We all would like extra money in our pockets.
In an era of digitization, earning an extra $200 in your spare time has become more accessible.
Various online platforms offer numerous possibilities to gain this amount swiftly without any major investments or specialized skills. Utilizing these platforms can not only help you reach your financial goal but also provide you with an enjoyable experience.
Let’s delve into the uncomplicated and quick ways to make 200 dollars fast.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Best Ways to Make Money 200 Dollars Fast
Discover the best ways to earn 200 dollars quickly by enlisting and acquiring the necessary skills.
You don’t even need to start a business or learn new skills virtually if you need the following legit ways to make $200 fast.
Just to note, you will find many of these ideas to be similar to how to make 300 dollars fast.
1. Sell Things You No Longer Need
Want to declutter and make some quick cash, to the tune of 200 dollars?
Start selling your no-longer-needed items and hit your goal. This method perfectly fits for minimalists looking to clear out space, or parents whose kids frequently outgrow their clothes and toys.
For instance, selling gently used toys or clothes could net you $200 in no time. Who knew making money could be as easy as cleaning up?
Even better turn this into a money-making business by flipping items for a living.
2. Sell gift cards
Struggling to add cash to your wallet? Turn those neglected gift cards lounging in your drawers into quick money.
Convert idle (Gift Cards) money to tangible cash by listing and selling on sites like CardCash at a discounted rate.
Another option is to trade your gift cards (you won’t use them) into something you want (like Apple or Amazon). So, weigh your options wisely.
In fact, you can read my CardCash review on my personal experience trading in gift cards.
3. Take on freelance jobs
Let’s start harnessing our skills and take on freelancing jobs online. Freelancing offers a flexible and income-generating platform, perfect for anyone looking to make a quick buck.
It is an effective income hustle, proven by data-driven facts. Best yet, it’s not exclusive to professionals alone. As a beginner, freelance gigs can offer an excellent starting point.
To get started, build a solid profile on a freelance platform that best suits your skills. Offer your virtual skills by getting jobs done in freelancing and experience good compensation for your comfort zone through this job.
4. Get Paid to Travel by Housesitting
Immerse yourself in a world of four-legged friends, greenery, and cozy, well-furnished homes while your wallet gets a welcomed cash addition.
Housesitting is not just about watching homes; it includes pet sitting and dog walking. All you need to do is join such platforms at no cost, set your rates and hours, and voila, you’re earning money while sleeping.
Essentially make money in your leisure time while enjoying the companionship of adorable pets. Who knew earning extra money could indeed entail wagging tails and furry hugs by signing up with Trusted Housesitters?
5. Rent Out Your Spare Space
Do you have spare space gathering dust? Turn it into a $200 goldmine!
Rent your unused closet, driveway, or extra room and have a quick injection of cash. Websites like Neighbor and VRBO are ideal platforms where you can list and rent out these spaces.
Start by exploring the listings in your area, identify the market range, and list your space accordingly. The extra income is just a few clicks away.
Best suited for property owners with underutilized spaces, this idea can serve as a consistent source of income and isn’t just a one-time fix.
6. Participate in Focus Groups
Get ready to voice your opinion and earn 200 dollars instantly!
Focus groups can be your golden ticket to making a quick $200. From my personal experience, they are organized discussions run by companies eager to pay for consumer insights.
Follow these steps and you could be cashing in:
Start by signing up and participating in a focus group that typically involves finding a suitable event in your area.
Involve yourself with popular websites like Bestmark.
Once you start searching for focus groups, you are likely to be targeted with sponsored ads on Facebook that match up to your opportunities.
By participating in discussions, I have earned a range from $50 to over $200.
7. Babysitting is Great Money
Looking for a quick way to pad your wallet? Babysitting is the golden ticket.
This gig is ideal for teenagers, college students, or anyone with some free evenings or weekends who enjoys hanging out with kids and can tolerate the occasional tantrum.
Start marketing your talent by creating a profile on care portals like Sittercity. Having a certificate in CPR can increase your profile and give assurance to the parent looking for a babysitter.
Remember to start with your personal network. Friends, family, and neighbors are a great way to kickstart your babysitting journey. With a bit of effort, you could be earning in less than 24 hours.
8. Make Videos
Are you passionate about making your own video or editing someone’s video to earn an incredible 200-dollar quickly? Jumpstart your day by hitting each click on your computer and adding sound effects on various kinds of videos on any social media.
You can also monetize your own videos by becoming a YouTube vlogger content creator and signing up for the YouTube Partner Program.
With an incredible shift to a remote life, you can now instantly earn from making your own videos through ad sponsorship, brand affiliation, and paid subscription on any application.
9. Get a Side Hustle
Engage yourself in a side gig, a savvy way to rake in cash promptly. Side hustles harmonize best with go-getters seeking financial flexibility or pursuing dreams outside the 9-to-5 grind.
Kickstart your hustle journey with free webinars or training. These platforms provide insights into key strategies and the nitty-gritty of the field.
Get cracking now to transform your monetizing dreams into reality!
Very popular are these side hustles for men. Or especially these side hustles for college students!
10. Online trading with Stocks and Options
Trading stocks and options emerge as a financial adrenaline rush, providing a swift track to earning money. You can convert spare moments into potential cash gains with just a few clicks.
Expert tips include starting with research, practicing with a simulation trading account, and diversifying your portfolio to mitigate risks.
The journey to online trading success begins with educating yourself. You must participate in a free investing webinar to undergo training to grasp trading basics, understand market trends, and form your strategy.
Check out how I learned to trade stocks and options with this Trade and Travel review.
Trade & Travel
Learn to trade stocks with confidence.
Whether you want to:
Retire in peace without financial anxiety
Pay your bills without taking on a side hustle
Quit your 9-5 and do what you love
Or just make more than your current income….
Making $1,000 every.single.day is NOT a pie-in-the-sky goal.
It’s been done over and over again, and the 30,000 students that Teri has helped to be financially independent and fulfill their financial dreams are my witnesses…
11. Take Up a Part-Time Job
Eager to fill your pockets a bit more, huh? Part-time jobs are your key to fast cash without compromising your ‘me-time’.
A part-time job supplements your primary income, leaving your piggy bank a bit heavier. Where you get to choose the timing that fits around your primary commitments.
Honestly, some of the best part-time jobs are actually low-stress jobs after retirement. You don’t need to wait for extra money. So, go get that financial freedom and earn more than just the minimum.
12. Yard Sale
Hosting a yard sale is a nonchalant trick to amass cash swiftly. It’s your winning lottery ticket staring at you from your cluttered garage floor.
Kick-off by hosting it on Friday or Saturday, when shopping spirits fly high! If your neighborhood or city has a date set for a community garage sale or jackpot, you’ll be swimming in extra traffic.
Don’t hesitate to unleash your inner salesperson, but remember, no rule binds you to wait for an event to rake in cash.
Remember, yard sales are your fast lane to quick money, and with these tips, you’re ready to speed!
13. Make Money with Your Collectibles
Turn your old favorite collection of Pokemon cards or Beanie Babies into a treasure chest waiting to be unlocked.
This money-making method is perfect for those who have carefully amassed certain collectibles over time. Sign up for eBay now and enlist your collectibles, antiques, and merch items to earn from it.
Want to kickstart your financial journey with collectibles? Find the most popular items to flip as well as insights on what to look for.
14. Collect and sell items from the trash
It’s time to transform your everyday trash into a hefty stash of cash! Collecting recyclable trash can be turned into a worthwhile moneymaker.
Start by saving cans, bottles, or scrap metal that you’d usually throw away. Then, locate a local recycling center that’s willing to pay for these items – the prices may surprise you!
This method is great for anyone willing to invest a little time and energy, particularly those who are environmentally conscious and eager to declutter. Perfect job for those who are frugal green.
Think about it, that old toaster might just be your next treasure trove! You may even find some highly valuable items in the trash to flip!
15. Sell Used Clothing
Selling used clothing is a clever and straightforward way to turn spare time into real cash.
Remember, a vibrant description for your clothes will attract buyers, so play up any unique or high-quality aspects of your garments.
Fashion enthusiasts want to earn a quick buck on the side. Begin by taking a charming picture of your clothes and posting it to Facebook Marketplace and ThredUp.
16. Do Social Media Marketing
Welcome to the era of making money by simply being social media savvy. Transform your digital skills into quick cash through Social Media Marketing.
Explore the digital world that awaits with all of the social media platforms. You can create engaging content while responding to the readers.
Take your skills to the next level, consider enriching your knowledge via a free webinar or online training.
This is an easy job that pays more than $25 an hour.
17. Sell Printables on Etsy
Do you love making creative paintings and printable designs? Imagine, your beautifully designed chore chart or a fascinating word puzzle bringing joy to scores of customers.
You can dive into this free training to jumpstart your side hustle. This method is a sure-shot hit for you.
Find out which digital products to sell on Etsy.
18. Invest in Cryptocurrencies
Do you have extra money in savings in your account and don’t know where to invest it?
Since 2008, cryptocurrency has taken the world by storm. Known for its decentralizing nature and secured by cryptography, it’s no regular dough.
Turn the tides in your favor and download an investment app to make your $200 grow faster. Consider taking a free webinar or training for a crash course.
You see, investing in cryptocurrencies is not a heavy-duty task. With the right smarts and patience, you can ride the next crypto wave!
19. Get Paid to Click
Among the numerous ways to earn an extra $200, getting paid to click is a simple and fun method.
Websites provide users with the opportunity to earn money through ‘pay to click’ surveys or rewarding viewers for ad consumption. Additionally, apps such as Survey Junkie and Swagbucks allow you to earn money by taking surveys, participating in focus groups, or simply navigating the web.
Each user generally earns from a few cents to a dollar per click. With patience and consistent effort, you can gradually accumulate your earnings to reach your $200 target.
Here are the top legit survey platforms:
20. Check Out Cashback Apps
Earn a cashback every time you shop at your favorite retail store or online.
Start off by signing up for apps like Dosh, Fetch, Rakuten, and Ibotta which offer bonuses just for signing up.
Lastly, apps like Acorns or CoinOut provide cash back on everyday shopping, even rounding up your purchases to add a bit more to your savings.
21. Do Odd Jobs as a TaskRabbit
Wanna earn cash quickly? Sign up and do freelance labor with TaskRabbit.
This user-friendly job marketplace connects people in need of task assistance with capable individuals willing to complete the tasks for a fee. It offers a diverse array of tasks, from assembling furniture and helping with moves to painting, yard work, and minor home repairs.
Just by performing various tasks, such as events staffing, running errands, or crafting. With the average TaskRabbit making double the minimum wage, this might be the gig for you.
TaskRabbit
Find local jobs that fit your skills and schedule.
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22. Earn Money with Your Knowledge
Using your personal set of skills is a major advantage in freelancing platforms such as Fiverr, Upwork, and Freelancer.com.
Be it graphic design, content creation, SEO mastery, or even web development, you can monetize these proficiencies directly from your home. Data shows a significant growth in the gig economy over the past decade, suggesting a flourishing potential for remote work and online income generation.
Remember, your vast knowledge pool is your strength here. So, focus on what you’re best at, and let the money flow in.
Indeed, by effectively marketing your skills, pulling in a sum over $200 within a few hours is achievable. Remember to value your work appropriately and not devalue your aptitude just to land a job.
23. Tutoring
Online tutoring provides plenty of diverse opportunities in various subjects beyond just English. You can choose to specialize in specific topics and decide to tutor students of different age groups – from young children to college students.
Platforms like VIPKID and Magic Ears allow qualified tutors to offer virtual classes, specifically in the English curriculum for kids aged 4-12 years.
Tutors are usually compensated with payments ranging from $7 – $9 per class or up to $25 or more per hour. Also, you can increase your rate once you gain experience and build a reputation as a tutor. With in-person tutoring, you can expect to earn $20 an hour or more.
24. Petsitting
Looking for a quick way to make $200 fast? If you’re an animal lover, offering pet-sitting services isn’t just enjoyable, but also quite profitable.
Simply sign up with platforms like Rover, you can possibly get paid two days after service completion and you can always set your own rates. Just by walking the dog from house sitting.
Fun fact: Dog sitters often earn up to $50 a day. This is flexible and enjoyable work that could definitely help you reach your $200 target quicker than you’d imagine!
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25. Collect Scrap Metals and Junk
One man’s trash is indeed another man’s treasure.
Thinking of ways to earn quick cash? Consider collecting scrap metals and junk. This simple but profitable task can be done by anyone, with no particular set of skills necessary. All you need are keen eyes, a truck, and, admittedly, a little bit of strength to do the following:
Identify Metals: Start by identifying the most valuable metals – brass, copper, and aluminum.
Collect: Gather your metals, either from your home or by browsing local dumps. Remember, one man’s trash can be another man’s treasure.
Sell: Locate a local scrapyard and sell your haul at a fair price.
Keep in mind that patience is key; you might start with just $100 a day, but with experience, this can increase to a lucrative $500 a day!
26. Cash Out Your Coins
Are you sitting on a pile of coins? Maybe it’s time to cash them out. Here’s how:
Gather all your change together. Check under the sofa cushions, in car cup holders, and even in the bottom of your bag.
Take your coins to a coin-counting machine. These can be found at many grocery and department stores as well as your local bank.
Deposit these coins in a savings bank.
Expert Tip: Many banks provide free coin-counting services to their customers. Save on the counting machine charges by using these instead.
27. Run A Dropshipping Business
Dropshipping is a retail fulfillment method where you sell products without ever handling the inventory. This side hustle could potentially make you a quick $200 if executed strategically. Ready to dive in?
To level up, consider enrolling in free webinars on sites like Skillshare or free dropshipping training programs like Oberlo 101. This method is most suitable for those game to learn the ins and outs of online retail business and are ready to deal with customer interactions.
Remember, selling high-demand items will turn a quicker profit!
28. Do Micro Tasks
Looking to make cash fast? Turn your spare time into cash by capitalizing on microtask websites and get paid for completing simple jobs!
This method is particularly effective for those with meticulous attention to detail and those who can afford to spend some time on basic tasks such as data entry, data verification, information sorting, and transcription.
Microtasking might not be a golden goose, but it sure can help you accrue $200 surprisingly fast. The beauty of this hustle is in its simplicity, making easy money with minimal to no investment.
29. Find Sign-Up Bonuses
Did you know that many banks and credit companies offer sign-up bonuses as a strategy for attracting new clients?
For instance, some banking promotions in the United States can offer bonuses of up to $300 in total value when you sign up for a new account or credit card. Also, there are several credit cards that provide bonuses ranging from $500 to $800 or more, simply for registering and spending a defined amount within a specific timeframe.
Some cards, such as Chase Sapphire Preferred, offer lucrative rewards like a $1,000 bonus after a spend of $4,000 in the first 3 months.
It’s definitely rewarding to explore these possibilities to supplement your income, but it’s crucial to maintain a good credit score and commit to paying off your balance monthly to avoid any interest charges.
30. Cash Advances
Cash advances offer a rapid solution, but it’s essential to use them wisely.
Basically, a Cash advance is an advance on your next paycheck, and yes, it’s a viable way to get your hands on some quick cash. Also, some budget apps like Chime offer this service automatically.
Keep in mind, though, it’s an advance and not additional income. So, plan your expenses wisely and make it count!
FAQ
If you’re on a quest to make $200 as fast as possible, we’ve got your back. From selling items you own to completing quick gigs online, there is a plethora of opportunities out there for everyone.
For example, suppose you’re handy at a skill – be it haircuts, car repairs, pet sitting, or painting. You can start by offering your services to people in your neighborhood.
Or, if you’re the digital savvy type, consider selling items you no longer need on online platforms such as Facebook Marketplace or Craigslist. You’d be surprised at how quickly you can make money from items collecting dust in your home.
Ultimately, make sure you choose a fast money-making plan that aligns with your skills, interests, and resources. Go forth and rake in that cash.
If you need to make $200 today, you have a range of options at your disposal.
You can try different online strategies, including participating in online surveys, offering your skills on freelance platforms, or even reselling items online. While many people will sell the idea of a blog to make money, that is not a way to make money today.
Remember, the key is to zone in on tasks that require minimal effort but offer swift returns; these could include grandma sitting, dog walking, or even participating in online offers and promotions.
To kick-start your financial venture, locate valuable items in your home that you no longer need. Your dusty old guitar or that once-loved designer handbag could do the trick. Sell these items on widely used platforms such as Craigslist or Facebook Marketplace for instant cash.
Also, in the digital age, skills are an asset. Offering your skills on platforms like Fiverrcan turn your talents into quick cash. Don’t underestimate the power of quick gigs!
Tapping into the world of free sign-up bonuses can also fill your wallet quickly. Or even participating in a paid focus group!
If you need to make $200 quickly, there are several tried and tested methods. You could start by driving for Uber or Lyft for the evening during a concert.
My preferred method is trading options in the stock market. While this one is a skill, I developed over time. It has proved to be a tried and true method for me to make $200 in a few hours.
Time to Get 200 Dollars Instantly
By reading this article, you have learned and discovered the most effective ways to earn $200 quickly.
In order to have quick success, here are tips to help you out:
Sign up for a complimentary training or webinar that focuses on effective and proven methods of earning money swiftly.
Learning from other’s experiences can certainly save you some trial and error.
Ensure these training modules offer you practical skills and insights rather than just theory. Real-world applications of these strategies are what will help you rake in some quick cash.
Remember, your motivation and dedication are as important as the information and tools you acquire.
If you are looking to make a little bit more, check out how to make 500 dollars fast. Or even how to make 2000 fast!
Know someone else that needs this, too? Then, please share!!
Inside: Looking for a job that pays at least $25 per hour? This list has the best jobs that fit that description. Each job offers unique benefits and opportunities, so take a look and see if any of them match your interests and skills.
Making $25 an hour is not a pipe dream; it’s a viable reality for thousands of people worldwide.
Earning such an income not only instills a sense of financial well-being but also provides a robust platform to plan for the future.
Today, we dive into elucidating the different opportunities potential jobs offer, aligning your skills and experience with an hourly rate that feels just right for your wallet.
Hence, securing such a job is not a function of luck but more a strategic alignment of skills, passion, and industry demands. But if you’re not entirely sure about where to begin or how to hone your skills for these high-paying jobs, don’t worry.
Imagine earning smooth entry-level jobs 25 an hour, all from the comfort of your workspace. Sounds enticing, right?
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Best Jobs That Pay $25 an Hour
This section will highlight various professions across distinct fields that provide such a desirable pay rate.
Looking for jobs that pay $25 per hour? We’ve got you covered.
Whether you’re transitioning careers or just starting, this list could help you discover a role that fits your skills and experience.
1. Paralegal
A paralegal role is an excellent job choice due to the vast knowledge gained in the field of law and legal procedures.
Being a paralegal involves a variety of interesting tasks, such as helping lawyers prepare for hearings, trials, and corporate meetings.
This position is not solely monetarily advantageous, it also presents opportunities for growth and professional development in the legal sector.
Earning Potential: It offers rewarding prospects with an average pay of $25 per hour, with the potential to earn up to $40 an hour depending on experience and expertise.
2. Landscaper
Why toil in a stuffy office when the great outdoors can be your workspace? Relish the satisfaction of planting, pruning, and mowing yourself into a healthier, happier lifestyle.
Ideal for nature enthusiasts and people persons out there, landscaping combines green-thumbed work with personnel management. A knack for the outdoors and previous work experience will be your stepping stones, while a certificate in grounds maintenance can make your application stand out.
Start by volunteering in your local community gardens or offering your services to neighbors. Through this, not only will your skills blossom, but your resume will flourish, too.
Earning Potential: You can expand your lucrative landscaping journey by owning your own company and training others to be laborers.
3. Truck Driver
Why is it a top-tier job, you ask? Consider this: truck drivers are the beating heart of global commerce, pivotal figures in ensuring warehouses stay stocked and goods reach their desired destinations. Plus, you’re free of the traditional office environment.
This job is perfect for those who prefer to work alone as well as those who prefer delivery routes that often stretch into the night.
You must be over the age of 21 years old and able to pass a CDL exam. Many truck drivers to a training course to get a jumpstart in the industry.
Earning Potential: Many truck drivers start their own company and will employ a couple of rigs to make passive income.
4. Social Media Marketing
Do you have a knack for creating engaging captions or a Sherlockian eye for data? Then Social Media Marketing could be your calling.
This position, hot in demand and rewarding, calls for creativity and analytical prowess.
Why is it a top job? Well, it’s not for the adrenaline rush of its fast pace. It’s the fact that you get to put your tech-savviness to great use. Social media marketers nurture and grow brands through smart strategies and engaging content.
Earning Potential: Many people start working for someone else as a Social Media Coordinator and then go on to open up their own business.
5. Event Planners
As an event planner, you are the unseen forces behind flawless galas, memorable weddings, and standout corporate functions. If you thrive on creativity, organization, and people skills, you will ensure that each event is meticulously executed.
This role allows you to blend creativity with pragmatic decision-making: from the captivating process of selecting venues, and coordinating with caterers
It’s a dream job for you if you love putting smiles on people’s faces and making their day unforgettable.
Earning Potential: An enticing reason is its attractive pay rate: on average, $24-28 per hour, peaking up to $40, with the potential of a quick pay raise. Plus those lucrative tips!
6. Mechanical Technician
If you’re seeking a rewarding, high-paying role that gets you hands-on with varied machinery, then a Mechanical Technician career.
This role is particularly apt for those with a fascination for machinery and a problem-solving mindset. To climb the ladder to success, one needs to keenly understand how to operate and maintain industrial machines, prevent damage, and optimize performance.
So gear up to diagnose, adjust, repair, and don’t forget – your hands, mind, and machines are a team.
Earning Potential: With an average pay of $26 per hour, you can start repairing machines and set up your own company.
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7. Maintenance Technician
This job is best suited for those who enjoy diagnosing technical puzzles and are adept at hands-on solutions.
By developing a strong mechanical aptitude, attention to detail, and top-notch problem-solving skills. Remember, your primary duty is ensuring machinery and equipment operate smoothly – the backbone of any industry.
Start by checking out some free online webinars or training programs related to industrial maintenance.
This is a low-stress job that pays well without a degree.
Earning Potential: As an entry-level worker, you can start by having a vocational certification or general education diploma (GED).
8. HVAC Technician
This role is perfect for those who love hands-on work and can’t get enough of problem-solving – who wouldn’t enjoy the thrill of being an office’s last defense against an impending heatwave?
The key to thriving in this breezy career path is training – dive into an HVAC training program at a vocational school or consider an associate degree in RACH (refrigeration, air conditioning, and heating).
Earning Potential: Being an HVAC technician pays around $25.75 an hour, which will keep your bank balance healthily ‘ventilated’. By having experience, your hourly wage can increase more.
9. IT Support Specialist
If terms like configuring, maintaining, and troubleshooting tech equipment are your weekend chat topics, you’re the perfect match for this.
Thanks to Google’s free certification program, you can start this job by having online training in your spare time.
Start your journey by heading over to Google’s free IT certification program today. Master the IT realm, earn well, and enjoy your work- the trifecta is right there!
Earning Potential: An IT Support Specialist has an average above $25 an hour wage and could rise to $51 an hour for having experience.
10. Day Trader
By poised as a top job due to its flexibility and potential for high earnings, day trading allows you to take full control of your income by making well-informed decisions about the financial market.
It’s perfect for those with an acute mind for numbers, an unflappable nerve, and those who enjoy working from the comfort of their study.
All it takes to get started is some knowledge about the stock market – something you can easily acquire by attending a free webinar or training, which is accessible online!
Of course, remember the golden rule – never invest money you can’t bear to lose. Now, conquer the finance world, one trade at a time!
Earning Potential: By having the eagerness to be a learner and acquire more knowledge about this job, you can earn way higher than you thought. But, there will always be a risk when trading stocks.
Trade & Travel
Learn to trade stocks with confidence.
Whether you want to:
Retire in peace without financial anxiety
Pay your bills without taking on a side hustle
Quit your 9-5 and do what you love
Or just make more than your current income….
Making $1,000 every.single.day is NOT a pie-in-the-sky goal.
It’s been done over and over again, and the 30,000 students that Teri has helped to be financially independent and fulfill their financial dreams are my witnesses…
11. Bartender
This job is perfect for friendly individuals! As you’re the life of the party.
Your life will be as vibrant as a well-mixed cocktail—chock-full of lively conversations and new friendships.
Bartending has a steep learning curve, but the payoff is big as it is a job that pays weekly and even daily. Know your spirits, perfect your pour, and master the mix—each skill is a toast to your increasing bank balance.
So, roll up your sleeves, flash that charismatic smile, and prepare to shake things up in the bustling world of bartending.
Earning Potential: With an entry-level job—at a local pub or a fine dining restaurant, you’ll get paid handsomely, at least $25 an hour.
12. Mechanic
The job is a perfect blend for those with a knack for solving complex issues and have the stamina to be on their feet for prolonged periods.
If you’re not averse to the roar of engines and the smell of oil, you might be the grease monkey we’re looking for.
This job is perfect for dipping your toes in oily water. So, go ahead, rev up your career with a mechanic job!
Earning Potential: Personally, my independent auto mechanic makes way more than $25 an hour, but he has years of expertise and opened his own shop.
13. Transcription
Transcription suits anyone craving flexibility or looking to dip their toes into fields like legal, medical, and entertainment.
To shine, you’ll need to master speed, accuracy, and the art of capturing every ‘um’ and ‘ah.’ Noise-canceling headphones and a quiet workspace are your best friends.
Kickstart your move to transcription with free training like a mini-course to see if you like it. Gain insights into making money and build your portfolio.
This high-demand job needs skills you convert audio into text.
Earning Potential: By working remotely as a transcription, you can earn an impressive $25 an hour or more.
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14. Accountant
Start your second act as an accountant today. The balance sheets await your expertise.
By aiding your clients in reviewing their financial information, preparing tax and finance documents, and updating their changes in tax laws or governmental regulations. Certified Public Accountants (CPAs) can earn exceptionally well.
The longer you’re in the industry, the more you can be able to demand potential compensation for your service. Just by conducting audits, successful financial and bookkeeping strategies. CPAs perform a pivotal role that justifies their earnings.
Earning Potential: Right now, there is a severe shortage of accountants graduating from college. So, your earning potential will substantially increase with each year of experience, and possibly earn up to $50 an hour.
15. Proofreader
Proofreader is an ideal job for detail-oriented individuals with a passion for perfect punctuation, splendid spelling, and grandiose grammar.
Did you get a degree in English or similar? Perfect! But remember, while it helps, it isn’t a must-have.
It’s an excellent stepping stone for a stay-at-home parent or anyone seeking to make some extra cash it is one of the best jobs for moms. So hop on the proofreading wagon and ride your way to a more profitable future!
Earning Potential: Just by sitting and reading on your couch, you can now hop on and start earning $25 an hour depending on experience.
16. Recreational Therapist
Bring great immense job satisfaction by improving the lives of those grappling with illness and disability.
To get started, all you need is a bachelor’s degree in recreational therapy and then obtain a Certified Therapeutic Recreation Specialist credential.
So, why wait to become an everyday hero with a salary that smiles back at your bank account?
Earning Potential: You can earn more than $25 an hour by being a Certified Therapeutic Recreational Therapist.
17. Dental Assistant
Do you have strong communication skills, and the ability to partake in a hands-on career?
Just sterilizing equipment or lending a diligent hand during treatments will be part of your daily grind. Ensure every instrument screams ‘clean’ before the dentist reaches for it.
To become a dental assistant, you typically need to earn a certification or diploma through a dental assisting program, which often takes about a year to complete.
On-the-job training may also be required, during which you’d learn about dental procedures, patient care, and office duties under the supervision of a dentist.
You may have found the tooth fairy’s best job yet! Dive in!
Earning Potential: With a wage average of $19 an hour and earning up to $25 just being a Dentist Assistant.
18. Certified Nursing Assistant
Have a career dream to dive into the healthcare industry? Familiarize yourself with basic health practices, hygiene, and safety procedures.
Start your journey as a Certified Nursing Assistant by attending to patients, assisting nurses, and providing emotional support to everyone. You will have to start a training program, but thankfully there are many to choose from.
Earning Potential: This career pays more than $25 an hour and might increase through experience and skills.
19. Housecleaners
According to Zippia, 48.9% of the housecleaner’s qualification is to have a high school diploma, but experience could help. You must have a strong understanding of cleaning procedures and practices.
Also, you can consider taking a course to learn about safety guidelines and recommendations.
Other important attributes include attention to detail, physical stamina, and excellent time management skills.
Earning Potential: Whether you’re a single mom or a high school graduate, you can potentially earn up to $25 an hour.
20. Nanny
Fascinated by child psychology or studying pedagogy? Or just love kids? Then, this job is tailored for you; it offers both consistent income and practical field experience.
Getting started can seem daunting, but it doesn’t have to be. Step into the kiddie world, it might just be the best move you make. Where you are not required to pass any school diploma.
You can find plenty of nanny gigs on Sittercity.
Earning Potential: If being a nanny is just a child game then I want in and earn up to an incredible $1000 to $1100 a week.
21. Delivery Drivers
Welcome to the job of a delivery driver, a blend of independence and earning potential on wheels. When you are good at your job, you don’t have customers wondering how late does Amazon deliver.
This career is a perfect fit for introverts who prefer their own company, the job offers flexibility with the ability to set your hours.
But, keep in mind that larger roles, such as FedEx, may require truck driving experience, the ability to lift heavy boxes, and the completion of a few additional checks.
Earning Potential: Most delivery drivers for FedEx and UPS are union workers. Thus, they have the union to fight for pay increases. Plus you can increase your salary by moving up in the ranks.
22. Licensed Plumbers
Get ready to hop into commercial, residential, and industrial projects, working flexibly based on your schedule.
If you love problem-solving and can handle the occasional wade through the muck, then this amazing career is for you! Don’t worry about your expertise level; It’s the perfect time for you to dip your toes into the world of plumbing.
Earning Potential: Don your gloves, grab your tool kit, and join the ranks of expert plumbers making upwards of $25 an hour.
23. Athletic Trainers
Are you into sports and fancy being in the thick of the action?
You are considering becoming an Athletic Trainer – a well-paid role that combines both your passions brilliantly. Then, get to work closely with athletes, which means you’re right at the heart of the sports action.
You’ll need to be certified and licensed in healthcare to offer your professional services. The ball’s in your court!
Earning Potential: Earning about $25 per hour, it’s among the few amazing careers that can up your game financially and health-wise. Also, it may take you to the Super Bowl as the team’s athletic trainer!
24. Customer Service Managers
So, you’re a people person with a knack for solving problems? Consider a job as a Customer Service Manager.
This job is best for ambitious, empathetic individuals who love making a difference in customer experience, enhancing team performance, and ensuring business profitability.
Want to up your game? Brush up on customer relationship tools like Hubspot or project management tools like Asana. Then, prepare to rule the customer service realm as an expert Customer Service Manager.
This can be a great non-phone work-from-home job as many customer service requests are handled through chat and email.
Earning Potential: One of the amazing careers that pay a satisfying $25 per hour, it’s a chance to flex those crucial customer service muscles while managing a team.
25. Freight Broker
With an average pay topping most traditional roles, this often-overlooked profession is a gem amidst the rubble.
Here’s why: Despite its lucrative nature, competition in freight brokerage is surprisingly low.
Jumpstart your journey with a free webinar or training – there are many available online. This will equip you with vital information about the ins and outs of the role and the industry.
Earning Potential: You will be surprised to learn what a freight broker’s salary can be.
Freight 360
Designed as a 101-level course on freight brokerage, you’ll learn the basics of freight brokering in this online course.
This course is designed for freight brokers in any setting, regardless of their employment status.
This course is designed to help you source more leads and move more freight. Or even start your brokerage!
Start Now
FAQs
Have you ever dreamt of earning $25 an hour with flexible hours at your convenience?
The list above are some of the jobs that can earn $25 an hour. However, try to evaluate yourself if the requirements perfectly suit you. By having skills and experience on the said job you can ace up and boost your chances of getting one of the high-paying jobs above.
Unlock and upgrade your skills now by attending any training that aligns with your dream job. Be able to receive a rewarding amount of earnings in your pocket!
These amazing careers above can fetch you at least $25 per hour. Start earning big and turn your dream into your paycheck.
Improving your skills through attending training, updating certificates, and seeking additional knowledge in your field. Plus, It increases your chances of landing a job that pays $30 an hour.
Actively applying for new jobs, particularly those that value your enhanced skills, can open the door to higher-paying opportunities potentially enabling you to reach that $30 an hour wage.
So master the craft, build your credibility, and let your work do the talking.
The ball is in your court now. Step up and start crafting your destiny, one skill (and dollar) at a time. So, start attending any training that is aligned with the career you’re looking for.
Find out what should I do for a living. Sign up for a free webinar or training. Sites like Udemy and Coursera offer a plethora of free courses to help you fine-tune your skills or discover new ones.
Which Applications will you Submit for jobs paying 25 an hour?
The possibilities in today’s remote job market are exhilarating. Amid the myriad of options, some rake in at least a solid 25-dollar-an-hour job.
Begin by brushing up on your skills or discovering new ones through free webinars or training sessions that align with your chosen profession to increase your qualifications. Make sure your resume is polished and start applying to suitable jobs in your field. The next step is nailing that job interview.
Thus, finding and applying for such lucrative positions is not just an aspiration for a better standard of living, but a practical step towards improved financial stability.
Remember to job-seek smartly and relentlessly. The end game is finding that perfect remote job – working on your terms, from your comfy corner of the world, and padding your bank account one $25 hour at a time. It’s time to get cracking!
Know someone else that needs this, too? Then, please share!!
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:
Learn why a broken appliance doesn’t have to drain your savings, and how to fight financial fears to enjoy your money.
This Week in Your Money: Should you repair your appliance instead of replacing it? Hosts Sean Pyles and Liz Weston delve into the latest data from Consumer Reports and share handy tips that could end up saving you money and reducing electronic waste. They also discuss the “right to repair” movement and what it could mean for appliance owners in the future.
Today’s Money Question: Sean talks with Jenna, a 29-year-old listener in St. Louis, about how to overcome her financial fears and start enjoying her money more. They discuss how her upbringing may have led to her feeling the need to exert more control over her spending than she needs to at this stage in her life, and they share ideas for how to let go of some of that control in order to enjoy life more fully. They also delve into different methods of budgeting for hobbies, “lifestyle creep,” and saving for long-term goals like a down payment on a house.
Check out this episode on your favorite podcast platform, including:
NerdWallet stories related to this episode:
Episode transcript
Liz Weston: Sean, what would you guess makes up the majority of e-waste?
Sean Pyles: Electronic waste, you mean? I’m guessing computers, iPhones.
Liz Weston: Not a bad guess, but those actually make up less than 10% of electronic waste. The majority comes from appliances, and most appliances end up rotting in landfills where they release various poisons into our environment and contribute to climate change.
Sean Pyles: Oh, well, that’s depressing.
Liz Weston: This episode we’re going to give our listeners tips to extend the lives of their appliances to keep that from happening.
Sean Pyles: Welcome to NerdWallet’s Smart Money podcast, where you send us your money questions and we answer them with the help of our genius Nerds. I’m Sean Pyles.
Liz Weston: And I’m Liz Weston.
Sean Pyles: Listener, you’ve got money questions, and we’ve got a boatload of genius Nerds to answer them. So send us your money questions.
Liz Weston: You can leave us a voicemail or text us on the Nerd hotline at 901-730-6373, that’s 901-730-NERD. You can also email us at [email protected].
Sean Pyles: This episode, I chat with a listener about how they can overcome their financial fears and start enjoying their money more. But first, Liz and I are talking about how you can save money and cut down on electronic waste by being good stewards of the machines that come into your life. So, Liz, you just wrote a column about how to decide whether to repair or replace an appliance, and apparently Consumer Reports has changed their advice on this matter. What’s the latest?
Liz Weston: OK. Well, the old-school advice was to think about replacing an appliance if the repair cost would be 50% of a new unit. But then Consumer Reports took a closer look at all the data they collect from members, and those members bought over 500,000 appliances between 2012 and 2022. Once they crunched the numbers, they came up with interactive tools that you can use that take into account the cost of the appliance, how long you’ve owned it, its remaining useful life and the cost of the repair.
Sean Pyles: That’s pretty cool. So before you and I got on this recording, we were talking about how you have a 17-year-old refrigerator and that let you put this tool to the test. Do you want to tell us about that?
Liz Weston: Well, yeah. It was 17 years old when it started making this funny noise and I thought, oh, yay. I get to replace it. I get to have a nice French door version. It’s going to look great. But I called in a repairman just to try to be semi-responsible, and he wound up replacing the compressor, repairing it for less than $200. That was eight years ago, so now that refrigerator is 25 years old and it’s still plugging along.
Sean Pyles: Wow. OK. So you used this tool. Did it approve of your decision to repair this very old fridge?
Liz Weston: It did not, but sometimes I think stuff is worth repairing, even if it doesn’t make strict financial sense, just to keep things out of a landfill.
Sean Pyles: Totally.
Liz Weston: As we mentioned at the top, big appliances like dishwashers and refrigerators and smaller appliances like coffee makers and blenders make up a big chunk of e-waste. And in fact, the number of small appliances that we Americans toss in the trash quadrupled between 1990 and 2018, according to the Environmental Protection Agency. Less than 6% is recycled.
Sean Pyles: Yikes. This makes me think about how, like many financial decisions, there’s so much more than the dollars and cents to consider when you’re trying to figure out what to do with an appliance. I’m a big advocate of repairing your belongings if you can, even things like clothes and shoes. There’s also a right to repair movement that’s trying to encourage manufacturers to make it easier for us to fix our own products.
Liz Weston: Yes. I just had this whole saga trying to get a vacuum cleaner repaired that convinced me first, I’m never going to buy this brand again because they make their units incredibly hard to fix. And second, I should always talk to a repair person about what brand to buy next because the repair folks at the vacuum shop know what’s well-made and what’s not and which products the manufacturers make impossible to repair. So asking them what they recommend and what they have in their own homes really will help guide me for my next purchase. And by the way, some repair shops will take your old appliances and rehabilitate them for sale or at least use the parts to fix other units. So that’s another option when you’re replacing an old appliance.
Sean Pyles: Oh, good to know. OK, so I want to talk about another type of machine — one that just about every person has, whether they’re a homeowner or not — an electronic that many of us, myself included, seem helplessly addicted to, and I’m of course talking about our phones and tablets and computers for that matter. For so many years, many of us have been duped into the annual or biannual upgrade of these devices, and this is wild to me considering the price tag. Like if you replaced your washing machine every year because a new model came out that had shinier buttons or something, people would look at you like you had a screw loose. And yes, that is an appliance pun.
Liz Weston: Good one. OK. Well, Sean, what do you suggest people do?
Sean Pyles: Well, my motto for my phone at least is if it ain’t broke, don’t replace it. And if it is broke, try to fix it first. Here’s how I approach that in practice. First I get AppleCare for my phone, because I am an Apple fanboy unfortunately, and that lasts two years. Something usually happens to my phone around the two-year mark, so I do try to get it replaced with a new one before my AppleCare is up. I did that last year and I was able to get a new phone for no additional charge beyond what I had already paid for my AppleCare.
Liz Weston: Oh, nice.
Sean Pyles: Yeah, it worked out pretty well for me. But now that I’m living in the wild and dangerous world of not having a warranty, I have a solid case on my phone and I may be less reckless with my phone than I was when I had a warranty, which means I’m no longer texting in the shower.
Liz Weston: OK. But what about when something does go wrong with your phone, are you going to try to swap it out or try to repair it?
Sean Pyles: It depends on the issue. If it’s something like a battery going kaput, I can get that replaced for under $100 by Apple, and that is a heck of a lot less expensive than a new phone. But if something more catastrophic happens, like it falls out of my pocket and is run over by a bus, I will probably replace it.
Liz Weston: Just as an aside here, so it used to be you couldn’t replace the battery, so you can now?
Sean Pyles: You can have your phone serviced by Apple and they will swap it out for you. Although that actually brings up a good point. There is a new program from Apple that allows you to do self-service, but it’s in its early stages right now, and also repairing your own phone isn’t very easy, I’ll say, from experience. Years ago I had an old iPhone 4 that had a very shattered screen, and I tried to replace that screen myself. I ended up doing it, but when everything was assembled again, I found myself with about five extra screws that I had no idea where they went to. So yeah, next time my phone breaks, I will bring it into professionals.
Liz Weston: That’s a good idea.
Sean Pyles: Well, I’m always curious to hear how others approach this, whether to repair or replace devices from phones to dishwashers. Listener, if you have any strong feelings about this, let me know. Text me or leave a voicemail on the Nerd hotline at 901-730-6373 or email me at [email protected]. And that wraps up our This Week in Your Money segment. Today’s money question is up next, stay with us.
This episode, I’m talking with a listener, Jenna, who’s 29 and lives in St. Louis, Missouri. She has some questions about her financial anxieties and how to shake them. Jenna, welcome to Smart Money.
Jenna: Hi, Sean. So nice to be here.
Sean Pyles: It’s great to have you on. To start, I’d love if you could describe your financial situation in general right now.
Jenna: Sure. My husband and I recently moved to St. Louis last year. Before that and during the pandemic he was in law school, and so we were on one income going through law school during an uncertain time. And so he graduated. We moved, and now we have two incomes, no children, renting in St. Louis and trying to figure out what our financial lives look like with both of us working. We obviously have some financial goals to fulfill over the next couple of years, but the markets are a little bit uncertain right now, so we’re trying to navigate a balance of spending and enjoying being in a city and being young, but also saving for those larger ticket items down the road.
Sean Pyles: Got it. How long have you now had two incomes in your household?
Jenna: Oh, since August of 2022, so less than a year.
Sean Pyles: And how do you feel like that changed the way you’re managing your household finances on a monthly or even daily basis?
Jenna: For me, I think I had this idea that we would live on one income and completely save the other one, and my husband looked at me like I was crazy. And so I think for me, it’s been an exercise in releasing the control that I held on to so tightly for so many years and trying to maybe look at a larger apartment or go to a concert that maybe we wouldn’t have previously, and just try to enjoy some of the entertainment aspects that we’ve been cutting back so much on over the past couple of years. We want to enjoy our 20s and our 30s and being in a fun city, we can do that now. And so he’s been really good about being the other side of the coin, where I am the aggressive saver and calculate all of the things about retirement and down payments for a house, and he’s more of let’s try to enjoy it. Money is not only something to control, but it’s something to use as a tool, and so I’m trying to get more into that mindset.
Sean Pyles: Yeah. Well, one thing I’m hearing is that it seems like you and your partner have a really well-balanced dynamic and that you have an ongoing dialogue about your money, and I do love to hear that. I feel like you kind of need a little bit of both in a relationship. Like in my relationship with my partner Garrett, I would say I’m maybe a little more of the spender, willing to buy some new clothes, willing to go on a maybe more expensive vacation. And Garrett is saying, “Hey, we really need to save for this specific goal. Maybe we don’t need to eat out tonight.” And I’m like, “OK, that’s a fair point.” But I think it’s nice to have that back and forth. But I want to go back to a word you’ve mentioned a couple times now, which is “control.” In your original question to us, you mentioned that you have some financial anxiety that is tied to the way you control your finances. Can you talk about that a little bit?
Jenna: Sure. I think also something that I’m learning is how people grow up affects how they handle money maybe when they’re older. Growing up, I am from a rural town in Missouri, part of a blue-collar single-parent household and money was something that was not abundant, so to speak, and we were very conscious about how we spent it. And so growing up, I was rewarded for being able to be frugal and think through financial decisions strategically and have a level head about it. And it was always something that I thought I was being very, I guess, logical about, and I wasn’t using emotions at all. Turns out I was absolutely using my emotions. They were just emotions of control and anxiety of what happens if something out of my control happens and I don’t have the resources to do it.
So now whenever we have funds to do something with, I always want to control it to try to see what I can do with it, see what’s the most I can stretch it, and how I can utilize it to the best of my ability and be very resourceful. So it’s been something that I’ve been trying to work on because it’s not something that I want to continue by any means. But I think also you look at the news, is a recession happening, is it not happening? The housing market is a little bit crazy. And so in my mind, what I always seem to default to is if I can control something, then things are going to be OK, but that’s not always necessarily the case.
Sean Pyles: It’s great that it sounds like you’re giving every dollar of yours a job. That’s something we talk about a lot on Smart Money, and that can be a really empowering way to manage your finances. But you at the same time maybe don’t want your sense of control coming from a place of fear and maybe a fear stemming from a financial context in which you no longer live. When you were younger and money was tight, even going back to a year ago when you were living off of a single income, maybe that mindset was a right one. Things were tight, you wanted to save more money, you didn’t have a lot coming in. The world is precarious and scary. So I think you aren’t unjustified in a lot of those feelings because the idea of control is in some sense an illusion. We can do everything right, but no one really knows what the future holds.
So for me, the way I try to find a balance between those things, because I have similar fears sometimes, is that I like to focus on improving the conditions that I can control, like saving aggressively and limiting my spending. And I think that might be a way where you can try to exert an appropriate amount of control, but still find ways to enjoy what you have earned because you are working hard for the money, you’re spending your life earning this money, you need to then turn around and find ways to have it enrich your life, right?
Jenna: Exactly. And that’s something that my partner talks about constantly as well, is yeah, money is a tool, like I mentioned, and I don’t want to squirrel away money for retirement, as an example, and get to my 60s and not be able to do the fun things that I could have done in my 20s if I had just loosened up a little bit. So it is a balance, and it’s just been 20 years of this mindset, and so it’s definitely going to take a couple of years or so to try to find a middle ground. I don’t think it would be healthy for me to swing all the way on the other side of the pendulum and be a big spender, but also there is a balance to strike with this for sure.
Sean Pyles: Yeah, of course, to your point, you’re not going to totally change and rewrite the script of 20 years of viewing and interacting with money overnight. But it is important to think about how you can adjust your habits and financial outlook to get to a point where you feel better about the way you’re viewing money and interacting with it. And one of the best ways to adjust your money mindset is just to get super clear about those patterns and behaviors that you do want to change. So you can think about what those are for you and write them down, and then try to be really intentional in your day-to-day life and be aware of when you are feeling those feelings that you don’t like and doing those things that you want to change. And that can be difficult to do in the beginning, but it’s a really useful skill to break entrenched habits that you’ve established over 20 years.
And so when you do find yourself acting or thinking in a way that you don’t want, grasp that moment and think about that feeling in a full-body way. Think about the sensations that you have when you’re feeling anxious about money or you are putting something back on the shelf because you’re feeling hesitant about buying it. What is that for you? Being able to diagnose those feelings can be a good step toward recognizing them coming on and then changing the script in that moment. And maybe you are buying whatever it might be or you’re going to that concert and you’re able to enjoy the money that you’re earning a little bit more.
Jenna: That’s so funny that you say putting something back on the shelf that I initially grabbed. That happened over the weekend and my husband made me get the thing that I —
Sean Pyles: Oh, yeah.
Jenna: Yeah, I have curly hair, it was this very fancy, special curly mousse, and it was three times the amount that I would normally spend, and my husband made me get it. He’s like, “You’re getting this. I know you want it. It’s happening.” And it was great. So I think having people around you that can check you, and I’m obviously in a committed relationship, we share accounts, but sometimes friends don’t want to talk about money, but I think having someone be a little bit accountable to you to help you figure it out and guide you along that path is really helpful because it’s almost subconscious.
Sean Pyles: That’s so interesting. It seems like you have a really supporting partner that just knows you so well. So I love that for you. And this also is bringing to mind for me, ideas around lifestyle creep, and sometimes it’s framed as a really negative thing. Like, oh, you’re spending beyond your means because you have a higher salary. In this case, it seems like you could maybe afford to have a little bit more lifestyle creep. When I first got a pretty sizable raise earlier on in my career and I realized, “Hey, I’m tired of buying these $20 T-shirts at these fast fashion stores that disintegrate in a year or two.” I would rather invest in something that is higher quality and will last me longer, and that I really appreciate, even if it was twice the amount of what I typically felt comfortable spending money on.
Jenna: Yeah, I’m glad you brought that up as well, because I was listening to a financial podcast over the summer and they talked about lifestyle creep, and the host mentioned something about, I don’t want to live like I lived in college. I don’t want to live in a one-bedroom apartment —
Sean Pyles: You’re an adult.
Jenna: — next to the train tracks. Yes, I’m an adult, I make adult money, I have adult benefits. I should be able to discern what is the most important and where my priorities are and adjust accordingly at different stages of life. And so I think for people who may have control or anxiety, it just may take longer to balance that out and adjust that out over time. Whereas my husband was not concerned at all about lifestyle creep. If anything, he thought of it as a good thing and I’m still adjusting to it. So yeah, I agree, I think lifestyle creep has a bad rap, but in some ways it is necessary for mental health, for stability. So you know that you worked hard for a raise or you worked hard to change jobs, and we worked hard to get him through school and this is the final destination or the reward of all that hard work.
Sean Pyles: And it’s a day-to-day way where you can embody the idea of living for today while planning for tomorrow. Yes, you are putting away money for retirement. Yes, you have a savings account that you’re contributing to, but what are those things that you’re going to appreciate over the weekend? Are you going to go out to that nice brunch? Are you going to have a good date with your partner? What are those few things that you are just going to say, “This is for me, I’m enriching my life with the money that I earn.” And one thing that you and I talked a little bit about before was that you’re interested in getting a hobby that you could spend some money on. Can you talk about what that might be and how you are maybe working that into your budget?
Jenna: I think growing up, I didn’t really have many hobbies, and if I did have hobbies, they were pretty low cost, like something I could get at the library or something my friend was doing that I tagged along with. So I didn’t really have my own hobbies, which sounds crazy, and I want my own and I want to be able to formulate those. And so yeah, this summer I’ve gotten really into gardening. So I bought the nicest tomato cages I’ve ever seen in my life, which —
Sean Pyles: Some of them can be very beautiful.
Jenna: Yes.
Sean Pyles: I am a gardener, as you maybe know, listening to the podcast. So I also know there’s a lot of money that can be spent on gardening gear.
Jenna: Yes, the nice pots, the extra nice soil to make sure my tomatoes grow well because they’re a little needy and all those things. And I went to a local garden shop, paid for tomatoes that were a little bit more than what they would’ve been at maybe a larger box store. So I felt good about giving back to my local community. And so that’s something as well, whatever hobbies that I end up doing, I want to be sure that they’re rooted in supporting local businesses. I want to make sure I know where my money is going and supporting the families in my community. So that’s been something that’s been interesting and it’s paid off. My garden is doing really well, and so I think I found my new thing.
And so I typically try to have a summer hobby and a winter hobby, and I think my winter hobby, I might get into baking, and that can really go down a rabbit hole with what you can spend on baking, I’ve already learned. So it’s really good, it’s really healthy, and I’ve noticed it impacts other areas of my life. I mean, I can maybe have a stressful day at work, go out and garden for 30 minutes, so it’s worth it. And it’s taken me a while to understand why and how it’s worth it, but ultimately I think I needed to prove to myself that it’s worth it, otherwise I would’ve just kept doing, I don’t know what I was doing before, not hobbies. I guess I was reading and maybe watching TV.
Sean Pyles: Hearing you say that it’s worth it really makes me feel good, because it’s so true. When you find something that you really care about, you want to spend your time doing, whether it’s learning a skill like gardening or baking, and you begin to see yourself bear the literal fruits of it, in the case of gardening. You realize how much bigger it can make your life, that you have these different interests that are allowing you to connect with your community, to create things that you can share with your loved ones, in the case of gardening.
So that’s just fantastic to hear, but both of those hobbies can get really expensive. And I’m wondering if you’ve thought about how you are pacing purchases like this because with some things like gardening, yes, you want those tomato cages, yes, you want to get the really good soil, but there are some things that you can maybe actually get for cheaper at a used hardware store, like hoses, for example. Those things get dirty immediately and it’s pretty easy to find a cheap one elsewhere. So how have you thought about being frugal when it comes to approaching your hobbies?
Jenna: So I bought this very, very nice soil at the gardening store, and turns out my local parks and rec department has a compost pile right next to my local gym that I had no idea about. And so going forward, I’ll definitely be utilizing that. It’s free to the public, which is a wonderful service. And so utilizing that going forward, but also I think I might try to harvest the seeds from my tomato plants and reuse them next year, instead of buying plants that are already started and maybe try to do seedlings, starting in maybe, I don’t know, March or February. That’s a whole different ballgame. I didn’t feel confident enough in my gardening skills this year to try that, but maybe this year it could work.
Sean Pyles: That’s great. Well, I want to zoom out a little bit and talk about some of your longer-term financial goals and how you can maybe take steps now to work toward them, even if that means maybe allocating more money from your paycheck to a savings bucket than you would maybe previously have felt comfortable doing. So you’ve mentioned that you are interested in buying a house. Are you and your partner currently saving for a down payment right now?
Jenna: Yes. Yeah, very aggressively as well. But the housing market is still very active and doesn’t seem to be slowing down, so we are probably going to be saving longer than what we anticipated. We’re trying to buy a house right now; it’s not going very well, if I’m being candid with you.
Sean Pyles: It’s hard.
Jenna: Yeah, we’re looking at maybe trying next year or even the year after. There are worse things in the world than renting for a few more years than what you anticipated. So with that, maybe we were saving very aggressively for that and we will still continue to save, but I’ve thought about to maybe allocate towards a nice vacation or a place we’ve never been before, and just try to enjoy life in the meantime because the time will pass anyway, so I want to make memories while we still can. A year ago, I would have thought that’s crazy, we need to save as much as possible for it. But I think our experience with the current housing market is like, well, sometimes it’s very much outside of your control, and that’s OK. Instead, we’ve looked at a couple of places to go next spring or so and try to utilize some of those funds instead of just for the house.
Sean Pyles: Yeah, I think that’s great. Have you looked into any sort of first-time home buyer programs in your state? Because each state has their own programs.
Jenna: We have, and we don’t qualify. In Missouri, they’re very income-based and we are very fortunate in some ways we don’t qualify for them, which is totally understandable. Those should go to people who need them the most.
Sean Pyles: So, Jenna, can you also talk with me about your current savings and debt situation right now?
Jenna: Yeah, so my husband was very fortunate to graduate without any student loan debt. So we don’t have any debt to speak of, either consumer wise or education wise. And so we’re able to save pretty aggressively for the things that we kind of pushed off while he was in school. So that could be anything from a new car to his retirement accounts, a house down payment and all those things. So we understand that we are in a very fortunate position to be able to do those things at our age. A lot of our friends aren’t in that position, so we don’t take that for granted. And with that, I mean, we are a little behind, I guess, technically, because he was in school for so many years, and so in some ways we are trying to play catch up, but that is easier to do without any debt.
Sean Pyles: Yeah, I would say being behind or ahead is an illusion in some ways.
Jenna: Fair enough.
Sean Pyles: You’re just where you are and that’s fine.
Jenna: Yes.
Sean Pyles: Everyone has their own pace; that’s how I think about these things. But I have another question for you around your savings, since you mentioned that you are able to save. How do you approach savings accounts? Do you have a high-yield savings account? Do you have savings buckets like we talk about a lot on the podcast? What do you and your husband do there?
Jenna: Yeah, it depends on the term of the savings that we’re trying to reach, I guess. So for shorter term, like a car, for instance — we’re trying to buy a new car for him — we have a shorter-term savings account that’s just at our bank, and so we’re hoping to buy a car in the next two months here. But for longer-term things like a house down payment, we are in a high-yield savings account. So it depends on the item, and also we want to possibly take a trip to Europe in the next five years, so that’s a longer-term thing, obviously, and that’s also in a high-yield savings account.
Sean Pyles: OK, great. We stress these accounts a lot because especially right now, the yields are so fantastic that if you have money in them, it’s really working for you in a way that if it’s sitting in a more traditional non-high-yield savings account, it just wouldn’t be doing as much for you.
Jenna: A quick question on that. So are high-yield savings accounts recommended regardless of the time frame that you have to save or does it matter?
Sean Pyles: It’s a personal preference, but I use high-yield savings accounts for everything, even regular pots of money that I have to pay my credit card balance monthly. And with student loan payments resuming, I recently opened up a new high-yield savings account, so I have my money for my monthly amount that I’m paying for my student loans dedicated into that fund. So for me, it helps me break out the way I have different pots of money allocated, those savings buckets that we discuss a lot. So you can do it for a short-term goal, it is earning you more on a regular basis than a traditional savings account would. I don’t see much of a downside of having any savings at all in a high-yield savings account because it can be pretty accessible in a pinch.
Jenna: OK. That’s good to know. I think I had just assumed that that was for kind of a longer-term savings goal, but it seems advantageous regardless of what the savings goal is, short term or long term.
Sean Pyles: Yeah, I mean otherwise you could just be leaving money on the table, and I always advise people against that.
Jenna: Yeah, exactly.
Sean Pyles: OK, great. Well, Jenna, now that we’ve talked about a few ways that you’re thinking about changing your money habits and your mindset, and will be working toward your longer-term and even shorter-term financial goals, do you have any thoughts around how you might work to lessen some of the financial anxiety that you feel and really enjoy your financial success?
Jenna: Oh, that’s a great question. I think continuing to invest in things that matter to me, whether that is gardening or maybe giving to organizations that I feel passionately about or know what I’m working towards when I’m working towards a goal at work. Great that I’m getting possibly a raise, but is that raise just going to maybe invite me to be more stringent with my money, or is that going to be a raise that I can utilize to do something for myself or for my community? So I think changing the mindset that I have about money, again, into it being more of a tool or something that I can utilize to make my life maybe a little bit easier, more enjoyable, and enjoy the people around me, versus something that I feel like is scarce, that I’m fearful about it.
I think it might help for me to maybe not check the news so much. I can’t control the federal interest rates or what the Fed does at all really, and no one really knows what’s going to happen in the future. And so I try to be informed about what’s happening in the world, but sometimes you can be a little bit too informed to where that causes you to overthink and have anxiety about things that you cannot control or maybe don’t even impact you.
Sean Pyles: Yeah, you have to know when you need to step away and maybe go tend to your garden and touch some grass, as the kids say.
Jenna: Right, exactly. So it’s twofold, I think changing my mindset into where money is a tool more than something to control, and maybe not look at the news so much. So we’ll see where that goes; I might delete some apps off my phone.
Sean Pyles: I think that’s a good piece of advice for everyone, regardless of your financial situation. But I’d love to hear about how intentional you’re being around your mindset and your habits, whether it’s for news consumption or for managing your finances, because those two things are so interlinked. When you are trying to establish a new habit, whether it’s being able to enjoy your money more or saving more money, you need to think about the way that you’re going to get there psychologically. What is it going to take you to overcome any sort of hurdles that you have? And then what are the actual physical day-to-day tasks that will allow you to bring that goal to life? And then once you start building on that, whether it’s saving more or enjoying your money more, it just becomes easier to do overall. And you’ll be surprised how far you can come just by regularly working on these things. Well, Jenna, thank you so much for talking with me.
Jenna: Yeah, thank you, Sean. I listen to the podcast regularly and I always find something to take away from it, so I’m just happy to be a part of it.
Sean Pyles: Well, that makes me really happy to hear, and please keep us posted on how things go for you and your husband.
Jenna: I will, yeah. Thank you so much.
Sean Pyles: And that’s all we have for this episode. If you have a money question of your own, turn to the Nerds and call or text us your questions at 901-730-6373, that’s 901-730-NERD. You can also email us at [email protected]. Visit nerdwallet.com/podcast for more info on this episode. And remember to follow, rate and review us wherever you’re getting this podcast.
This episode was produced by Liz Weston and myself, with help from Tess Vigeland. Kevin Tidmarsh and Kaely Monahan mixed our audio. And a big thank you to the folks on the NerdWallet copy desk for all their help.
Here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances. And with that said, until next time, turn to the Nerds.
More Than a Third of Americans Say Uncertainty About Their Finances Keeps Them Up at Night at Least Monthly Northwestern Mutual’s 2023 Planning & Progress Study finds Americans feel stronger about their friendships, mental health, physical health and job stability than they do about their finances An arc of financial anxiety emerges – peaking for … [Read more…]
Northwestern Mutual’s Planning & Progress Study reveals Americans with an advisor are much more confident about their financial future, yet only 37% work with one Advisors are Americans’ most trusted source for financial advice – more than loved ones, friends, news, FinTok and Reddit While older Americans want an advisor with sophisticated expertise, younger generations … [Read more…]
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High mortgage rates are wreaking havoc on a lot of people’s homebuying hopes this year.
Nearly two-thirds of Americans planning to buy a home have decided to postpone their search until mortgage rates come down from their current elevated levels, according to the most recent BMO Real Financial Progress Index (a forward-looking indicator of consumer sentiment regarding personal finance).
While potential homebuyers in today’s market are very rate-sensitive regarding a home purchase, they’re also considering other factors. The survey shows that 65% of respondents are delaying their homebuying plans because of overall economic uncertainty.
What the data shows
While most Americans are merely putting their homebuying plans on hold, others are rethinking homeownership entirely. Forty-three percent of survey respondents say they’re no longer sure when, or even if, they will buy a home.
Only 6% of respondents plan on buying a house this summer, with 4% saying they’ll buy in the fall.
Thirty-two percent say they will wait until 2024 or later to enter the market — depending on when mortgage rates go down.
More than half of millennials and Gen Zers feel stressed about buying a home, believing homeownership is more out of reach for them compared to previous generations.
Housing costs are the most significant source of financial anxiety for 68% of the survey respondents.
Home affordability may be high on Americans’ minds, but it isn’t the only concern. The economy is causing significant anxiety, as well, with 83% of respondents saying unknown expenses are their largest source of financial anxiety.
High mortgage rates stretch homebuyer affordability
The start of 2023 seemed encouraging for millions of Americans thinking of buying a house. Freddie Mac’s average mortgage rate dropped as low as 6.09% during the first week of February. Well-qualified buyers could find mortgage rates below 5%: a level not seen since early 2022.
But since then, rates have been steadily climbing once again. Current mortgage rates are now at 6.79% due in part to fears over a debt ceiling default (although that pressure eased when Congress struck a deal over the weekend), inflation still running hot, and the lingering possibility of a recession.
When it comes time to run the numbers, the full impact of higher rates can be sobering for many potential buyers.
For example, a borrower who qualifies for a $400,000 mortgage at 6.09% has a $2,421 monthly payment. At 6.79%, the payment increases to $2,605. That’s an increase of $184 per month — or $2,200 per year in housing costs.
Bottom line
It’s a rough housing market, as the BMO survey shows. But despite the challenges, there are still plenty of buyers and sellers out there — and there’s some good news on the horizon.
With more buyers pulling back from the market, home prices have been falling in cities nationwide. Nationally, median home prices are down by $18,000 compared to last year, with some cities seeing prices as much as $80,000 lower year-over-year. Some of the most significant price declines are happening in pandemic boomtowns, where prices are more than 10% lower.
With more sellers willing to negotiate concessions and mortgage lenders offering rate buydowns, closing cost credits and negotiable lending fees, there are still buying opportunities for those willing to tough it out.
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68 per cent feel buying a home is more out of reach compared to their parents
BMO’s new Pre-Qualification tool helps empower customers to make confident decisions at the start of their homebuying journey.
TORONTO, June 5, 2023 /CNW/ – BMO’s Real Financial Progress Index reveals that while homeownership is considered an important financial milestone for many Canadians, concerns about interest rates, inflation and a possible economic recession have affected their approaches to homebuying.
The survey found that over two thirds (68 per cent) of Canadians are planning on waiting until mortgage rates drop to purchase a home. The majority (68 per cent) of Canadians feel buying a home is more out of reach compared to their parents. Gen Z (ages 18 to 24) (71 per cent) are the most likely to have this outlook, followed by younger Millennials (ages 25 to 34) at 69 per cent and older Millennials (ages 35 to 44) at 65 per cent.
According to BMO Economics, Canadian housing activity has rebounded from the slow start in 2023, with home prices firming and existing home sales increasing by 11.3 per cent in April – the largest monthly rise since 2009. However even after last year’s price correction, the combination of past price gains and higher mortgage rates leaves housing affordability near the most challenging level in more than 30 years. The survey found Canadians’ perceptions of the economy have affected their homebuying plans:
The Waiting Game: Over two thirds (68 per cent) of Canadians are planning on waiting until mortgage rates drop to purchase a home. Among the quarter (26 per cent) of Canadians that have said current mortgage rates have affected their decision to move homes, 18 per cent are holding off as a result of market uncertainty and volatility.
Deferred Decisions: Half (51 per cent) are deferring their home purchases because of their concerns about the economy and 18 per cent plan on waiting until 2024 or later. 20 per cent of Canadians are no longer sure if or when they will buy a home.
Revisiting Refinancing: 69 per cent are planning on waiting to refinance their home until mortgage rates drop.
Financial Anxiety: Housing costs (71 per cent) are among the top three sources of financial anxiety for Canadians, after fears of unknown expenses (83 per cent) and concerns about their overall financial situation (81 per cent).
“Homeownership continues to symbolize real financial progress, success and security for many Canadians and their families,” said Gayle Ramsay, Head, Everyday Banking, Segment & Customer Growth, BMO. “While the challenging market and economic conditions may pose hurdles and uncertainty, we encourage Canadians to work with a professional advisor or planner to explore the many paths to homeownership and develop a personalized financial plan to help them get into the home they want within a realistic timeline.”
Paths to Homeownership
The survey also explored the different financing strategies Canadians intend on using for their home purchase:
Personal Savings: Half (52 per cent) of Canadians plan on using personal savings to pay for their home purchase.
Help with Loans: 41 per cent of Canadians plan on using loans from their financial institution and/or lines of credit to help finance their home purchase.
Family Support: A fifth (19 per cent) of Canadians are expecting help including financial gifts and loans from family, friends and/or others.
Home Buyer Programs: Among the 46 per cent planning on using Canada’s assistance programs, nearly a third (32 per cent) plan on using the First-Time Home Buyers Incentive and 16 per cent plan on using the Home Buyers’ Plan (HBP).
BMO Helps Canadians Make Real Financial Progress with Pre-Qualification Tool
To help Canadians get started with their homebuying journey, BMO has launched Pre-Qualification, an online tool that enables prospective homebuyers to get a mortgage estimate in one minute with a 130-day rate hold. Using a soft credit check that will not affect their credit scores, customers will be able to know how much they can potentially afford for a home based on information including income, assets and debt.
“Amid this challenging and changing market, homebuyers are keeping a keen eye on interest rates,” said Hassan Pirnia, Head, Personal Lending and Home Financing Products, BMO. “Regardless of when buyers are planning their purchase, it’s essential they have a clear understanding of budget and affordability at the start of their homebuying journey. BMO’s new pre-qualification tool is an important first step in that journey and provides a mortgage estimate to give buyers more clarity as to what they can afford and what carrying costs they should be considering.”
BMO offers tools and resources to help customers throughout their homebuying journey including:
BMO SmartProgress: Customers can learn more about homeownership, budgeting and other personal finance topics from BMO SmartProgress. The online education platform organizes personal finance topics into playlists, enabling Canadians to learn more about how to manage their finances in a widely accessible and innovative platform.
Pre-approval: For homebuyers, getting pre-approved provides a cushion for due diligence when purchasing a home. In addition to visiting a local branch to speak with an advisor, BMO offers the ability for homebuyers to apply for mortgage pre-approval online. And, to give extra time for house hunting BMO offers the longest rate guarantee period at 130 days of any major Canadian bank (as of March 1, 2022).
For more information about BMO’s Pre-Qualification tool, visit www.bmo.com/main/personal/mortgages/pre-qualification.
For more information about first-time home buyers programs and affordability tools, visit: www.bmo.com/main/personal/mortgages/first-time-home-buyer/.
To learn more about how BMO can help customers make financial progress, visit www.bmo.com/main/personal.
About the BMO Real Financial Progress Index
Launched in February 2021, the BMO Real Financial Progress Index is an indicator of how consumers feel about their personal finances and whether they are making financial progress. The index aims to spark dialogue that will help consumers reach their financial goals and to humanize a topic that causes anxiety for many – money.
The research detailed in this document was conducted by Ipsos in Canada from March 28th to April 28th, 2023. A sample of n=2,350 adults ages 18+ in Canada were collected. Quotas and weighting were used to ensure the sample’s composition reflects that of the Canadian population according to census parameters.
About BMO Financial Group
BMO Financial Group is the eighth largest bank in North America by assets, with total assets of $1.25 trillion as of April 30, 2023. Serving customers for 200 years and counting, BMO is a diverse team of highly engaged employees providing a broad range of personal and commercial banking, wealth management, global markets and investment banking products and services to over 13 million customers across Canada, the United States, and in select markets globally. Driven by a single purpose, to Boldly Grow the Good in business and life, BMO is committed to driving positive change in the world, and making progress for a thriving economy, sustainable future and inclusive society.
SOURCE BMO Financial Group
View original content: http://www.newswire.ca/en/releases/archive/June2023/05/c7261.html
Save more, spend smarter, and make your money go further
Making your money work for you is an important step on the road to financial security and independence. Earning money by trading your time is important, but it’s just as important to find a way to make money without having to be actively involved. While you might dream of being able to make money while you sleep, there are plenty of steps you can take that will help put your money to work.
Pay Down Your Debt
The most important thing that you can do to make your money work for you is to pay down and eliminate your high-interest debt. This includes things like credit card payments, some auto loans, and other types of consumer debt. You may be paying up to 20% or more in interest — which means that when you put money towards paying off that debt you’re getting a 20% return on your investment. It’s hard to beat that kind of guaranteed return.
Start a budget, figure out your income and expenses and start paying down that debt. The exact debt repayment strategy that you use is less important. What is important is that you make a plan and start sooner rather than later. Once you have eliminated your high-interest debt, you can start with the other suggestions in this article.
Open a High-Yield Savings Account
One place to start can be to open up a high-yield savings account that is separate from your checking account where you keep the money to pay your regular monthly expenses. This is important for two reasons. The first is that keeping your savings separate from the money you use for your regular savings helps keep you from raiding your savings to pay your bills.
The second reason is that a savings account may offer slightly higher interest rates than a checking account. Currently, interest rates are at historical lows. That is great for refinancing or taking out a mortgage, but not great for savings accounts. Still, a high-yield savings account is a great place to put your emergency fund money. For anything more than that, you’ll want to look at investments that offer higher returns.
Grow Your Wealth Through Investing
If inflation hovers around 2-3% every year, any investments you have should make at least that much. Otherwise, while you may have more money, that money will be worth less than it was the year before. If all of your money is in a savings account earning 1% interest or less, then you are actually LOSING money to inflation each year. There are many ways to earn residual income, and you’ll want to pick the one that makes the most sense for you. As one example, Investing in the stock market has historically returned around 7% per year.
Take Advantage of Credit Card Rewards
Another way to make your money work for you is to take advantage of credit card rewards. Many credit cards offer rewards of up to 5% back or more in certain spending categories. There are also several cards that offer initial welcome bonuses that are worth $1000 or more. Taking the time to strategically use credit cards can be a worthwhile investment. Check out our list of the best rewards credit cards to see if one of them might make sense for you.
Start a Passive Income Stream
The holy grail of financial independence is passive income. Passive income is income that continues to make money with little to no day-to-day involvement on your part. There are many different ways to generate passive income. A few passive income ideas might be creating and selling crafts, writing a guide or book, starting a blog, or investing in the stock market.
Investing time and money in real estate can also be a way to earn (relatively) passive income. While rental real estate is not without complications, when it is all working, each month you earn rental income. That helps pay down your mortgage balance, hopefully with some extra left over each month. If you think that becoming a landlord is not for you, another way to invest in real estate is through a Real Estate Investment Trust (REIT). REITs combine some of the best parts of real estate and investing in the stock market.
The Bottom Line
There is an important difference between earning money and having your money work for you. While earning money through a job is important, the real key to financial security is earning passive income. Pay down your debt, start investing and watch the returns come in. You may not make money while you sleep, but following these tips will help set you on the right financial path.
Save more, spend smarter, and make your money go further
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Dan Miller is a freelance writer and founder of PointsWithACrew.com, a site that helps families to travel for free / cheap. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and 6 kids. More from Dan Miller
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