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Do you want to make $10,000 a month?
I was struggling with this question for days. I wanted more money now and the thought of making $10,000 seemed like a dream spurred on by advertisements in magazines promising “easy” earnings opportunities.
But then again, it may have been too good to be true. And that’s why I’m writing this article: because so many people are looking for these quick ways to earn big bucks online without a lot of work – and I’m here to deliver.
I’ve been browsing the internet for years and have found a few ways to make $10,000!
There are a lot of ideas out there, you just have to decide what works well for you. So don’t get too excited just yet.
When you follow these easy-to-follow steps, you’ll be on your way to earning yourself some greenbacks that will take care of all those bills and more than pay off your student loans (or at least buy you a new car).
I have provided links to each of the sources I used for this article, so you can check them out for yourself and decide if they’re worth your time.
So without further ado, let’s get started.
What is the quickest way to make $10,000 a month?
Getting started on a side hustle has never been easier. But how do you know where to start?
Check out these six ideas that can be done in hours and make money like crazy!
- Become a freelance writer
- Start an Etsy shop
- Create and sell digital courses
- Drive for Uber or Lyft
- Become a virtual assistant
- Learn how to day trade
Three Ways to make $10000 a month
Everyone wants to make money and get rich quickly, but the truth is that it takes time.
There are many ways of making a living today; you can choose the traditional route, make money online, or look at passive income.
Option #1 – Make $10,000 a month by earning a high income
There are a few ways to make a high income. You can work in a high-paying profession, like a lawyer or doctor.
Working in a high-paying profession is the most common way to make a high income. If you want to earn a six-figure salary, you’ll need to choose a career that pays well. Some of the highest-paying jobs include doctors, lawyers, investment bankers, and CEOs.
Starting your own business is another great way to make a high income. If you can build a successful company, you’ll be able to earn an impressive salary. Of course, starting a business is risky and it takes hard work to be successful.
Option #2 – Make $10,000 a month by working online
There are many different types of work that you can do online in order to make $10,000 a month. Some examples include writing articles or blog posts, designing websites, freelancing, selling products or services, and much more.
How much you can expect to make depends on a number of factors including the type of work you do, how much experience you have, and the amount of time and effort you put into it. However, if you are willing to put in the time and effort, it is possible to make $10,000 a month by working online.
For many people, however, the quickest way is by starting an online business. The good news is that most of these businesses are easy and sustainable because they don’t require a lot of startup capital.
Learn how to make money online for beginners.
Option #3 – Make $10,000 a month with Passive Income
Investing money in assets that generate passive income is another option for making a high income.
With this approach, you will use your capital to purchase assets such as rental properties or dividend stocks. These investments will provide you with regular income, which can help you reach your goal of making $10,000 per month.
Best Ways to Make 10k a Month
The internet is a great place to make money if you know how. The best part is that there are no huge upfront costs like starting a brick-and-mortar store or subscription business, so the sky is the limit on how much you can make.
That is why you will see many of the best ways to make 10k a month are online, and I’ve listed some of my favorites below. They all work in different ways, but they all have one thing in common: you can get started with no upfront costs.
Want to make money online but don’t know what to do? This guide will show you the quickest and easiest ways possible.
Invest in Stock Market with Mutal Funds or ETFs
There are a few things to consider before investing in stocks.
First, you need to have a clear understanding of what stocks are and how they work. It’s also important to understand the different types of stocks, such as blue chip stocks, growth stocks, value stocks, small cap stocks, and penny stocks. This will help you decide which mutual funds or ETFs, you want to invest in.
With this buy-and-hold approach, you are looking to make returns in the long run and are not worried about the up-and-down movement of your portfolio.
You need a 1.5 million portfolio to make $10k a month passively (source). This is the intrigue of how to FI and why many people pursue it.
Make Income in Trading Individual Stocks
There are a few things to consider before actively trading in stocks. You need to understand what stocks are and how they work. You also need to know the risks involved in investing in stocks as an active day trader or swing trader.
Stocks are shares of ownership in a company. When you buy a stock, you become a part-owner of the company. The value of your stock will go up or down depending on how well the company does. Once you have a basic understanding of the stock market, you can begin researching specific companies that interest you.
Stocks are bought and sold on the stock market. The price of a stock is determined by supply and demand. When more people want to buy a stock than sell it, the price goes up. When more people want to sell a stock than buy it, the price goes down.
It is possible to make money fast with stocks.
Create a blog
Blogging is a great way to make money because it gives you the opportunity to share your knowledge and expertise with a wide audience. If you have a knack for writing and are passionate about a particular topic, then starting a blog is definitely a good way to make money.
There are several ways to make money from blogging, such as selling advertising space, affiliate marketing, or selling products and services. However, the most important thing is to build up a large enough audience so that you can monetize your blog effectively.
Become a Virtual Assistant
A virtual assistant is an online personal assistant who can help with a variety of tasks, including administrative tasks, social media tasks, and even customer service.
A virtual assistant can help with a variety of tasks that business owners and entrepreneurs need assistance with. You are able to have a non phone work from home job and work during the hours you want. This is why so many people find becoming a VA so appealing.
Use Your Expertise as a Virtual bookkeeper
A virtual bookkeeper is an individual who provides bookkeeping services to clients from a remote location.
To become a virtual bookkeeper, you will need experience in bookkeeping and accounting, as well as strong organizational and communication skills. You will also need to be proficient in using accounting software, such as QuickBooks or FreshBooks.
Create a Course on Teachable and earn $10k a month online
Teachable is an online course platform that allows you to create and sell your own courses. You can use Teachable to earn extra income or even make a full-time living from your courses.
In fact, Teri Ijeoma is one of Teachable’s top course creators and easily surpasses this threshold.
Write Articles with a Freelance Writing Business
Freelance writing is a great way to make a comfortable living from your writing. Whether you have a passion for writing or you simply enjoy writing for fun, freelance writing can be a great way to make a living from your work.
Copywriting is a type of freelance writing that requires more specialized skills and offers higher ROI for clients. This is because copywriters are responsible for creating compelling and persuasive content that can drive conversions.
Build a Coaching Business with Clients
An online coach is a professional who provides guidance and support to clients through online communication tools such as email, chat, video conferencing, and social media.
Engage in a social media management
A social media manager is a professional who helps businesses grow and interact with their customers through social media.
Social media managers typically create and post content, monitor and respond to comments and messages, run ads, and analyze data to track results.
Drop Shipping
Drop shipping is a business model where you don’t keep any inventory and instead outsource the production of products to a third party. When someone orders a product from your store, you simply contact the supplier and have them ship the product directly to your customer.
This is a great way to earn passive income, as you don’t need to do any of the work yourself. You can also hire freelancers to do all of the low-value tasks for you, such as customer service, order fulfillment, and marketing.
Amazon FBA
Amazon FBA is a service that allows you to sell products on Amazon.com and fulfill orders through the Amazon fulfillment center.
For example, Amazon FBA is an online store that Amazon handles a lot of the stuff that causes headaches for most e-commerce store owners, such as shipping and customer service. This means that store owners can focus on more important aspects of their business while still benefitting from Amazon’s massive user base.
Customers are more likely to buy from you if they see that your product is eligible for Prime shipping.
Affiliate Marketing
Affiliate marketing is when you promote other people’s products and services to make a commission. The easiest way to get started with affiliate marketing is through Amazon.
You can sign up as an Amazon Associate for free and then use the Amazon Associates link generator to create links for the products you want to promote. Amazon will pay you a commission on anything that is purchased through one of your links, even if it isn’t something that you promoted.
Make a Salary Off Flea Markets
There are many ways to make a salary off flea markets and search through other people’s junk. It is completely possible to make an income from selling items online.
You can start by finding a market that you are interested in and looking for items that are in high demand. Then, you need to know what to look for when you are shopping. When you are ready to start selling, you will need to find a place to sell and know your profit margins.
Invest Your Money to Make More
Investing is the act of allocating resources, usually money, with the expectation of generating an income or profit.
The first step is to understand what you want to achieve with your investment.
Once you know your goals, you can start researching different investment options and choosing the one that best suits your needs. It’s important to remember that there are risks involved with any type of investment, so be sure to do your homework before making any decisions.
Learn all the best ways how to invest 10k.
How hard is it to make $10k a Month?
There is no one-size-fits-all answer to this question, as the amount of work required to make $10,000 a month varies depending on the individual’s circumstances and career path.
However, in general, making $10,000 a month requires a significant amount of hard work and dedication.
For example, someone who is self-employed may need to put in long hours to build up their business before they start seeing a return on their investment. Similarly, someone who is employed by someone else may need to put in extra effort to stand out from the crowd and get promoted.
How much money is required:
Again, there is no definitive answer as the amount of money required varies depending on the individual’s circumstances. However, in general, making $10k a month usually requires having a good income from employment or from other sources such as investments as you build your side hustle. It’s also worth noting that saving up enough money to live on while you’re working towards your goal can also be helpful.
Also, spending money on online courses to jumpstart your process is helpful!
How long does it take:
The time it takes to make $10k a month also varies depending on the individual’s circumstances. For example, someone who already has a well-paid job may only need to save up for a few months before reaching their goal, whereas someone who is starting their own business may need to work for several years before seeing a return on their investment.
How to make $10k a month FAQs
Many people are interested in earning a high income, but they don’t know how to get started. In this section, we go over many of the frequently asked questions.
How to make $10000 a month from home?
There are many ways to make money from home. You can start a blog and sell advertising, write eBooks and sell them online, or even start a YouTube channel and sell products through affiliate marketing.
The amount of money you can make from home will vary depending on the method you choose. For example, if you start a blog and sell advertising, you could make a few hundred dollars per month starting out. However, as you grow and expand into other niches like affiliate marketing, you could easily make over $10,000 per month.
Tips for success:
No matter which method you choose to make money from home, there are some tips that will help you succeed.
- First, be sure to choose a niche that you are passionate about so that writing or creating content is not a chore.
- Second, be consistent with how you plan on making money from home.
- Finally, invest in online courses to jumpstart your learning.
What are some tips for making $10,000 a month?
In the past few years, there has been a shift in how people get rich.
People are now making money six-figure salaries by doing what they love and starting their own businesses or becoming influencers.
Here are the best tips to make sure you have success in how to make 10k a month.
Tip #1 – Set a Goal
Setting a goal is important because it gives you something to work towards. It can also help motivate you to take action and stay on track.
When setting a goal, it is important to be specific and realistic. You should also make sure that your goal is measurable so that you can track your progress.
Example goals:
- Enroll in online course to expand your earning potential
- Earn an extra $500 per month from side hustles
- Have your side gig income to take over your 9-to-5 income
- Be able to retire and enjoy time freedom
Tip #2 – Make a Plan
As James Clear, the author of Atomic Habits says, “Many people think they lack motivation when what they really lack is clarity.”
You have to start by making a plan. You can daydream all you want about making $10000 in a month.
Here are a few steps to get you started:
- Brainstorm ideas for a side hustle
- Research the market and start small
- Figure out which online courses to take to jumpstart your learning
- Study. Study. And study.
- Stay consistent with your plan.
However, the best way to find out if a side hustle will work is to start small. You can always build up your business and make more money later on.
Tip #3 – Be Patient
You need to be patient if you want to make $10,000 a month. It takes time and effort to make this much money.
Don’t think you can walk away after a few hours and make $10k each month.
It takes time to be consistent in making $10k month after month.
However, if you put in the work, you can make $10,000 a month.
Tip #4 – Take Action
In order to make $10,000 a month, it is important to take action.
Each and every day, you should be working on something that will help you reach your financial goals.
Whether it is watching a Youtube video, listening to a podcast, or actually putting reach work in.
Taking action will help you reach your goals quickly.
How to make 10k a week
Making 10k a week is definitely possible, but it’ll take work and dedication to see results.
You’ll need to have the right money-making idea and put in the time and effort to make it successful. Additionally, having multiple streams of income can help you reach your goal faster.
Which Income Stream will you choose to Start with?
So there you have it! A few different ways that you can start earning an extra $10,000 a month.
Which one will you choose to start with?
There are many ways to make money quickly and easily, but not all of them are created equal. In this guide, we’ve outlined some of the quickest and most effective ways to make $10k a month.
Choose the option that best suits your skills and interests, and get started today!
Let us know in the comments below.
Source: moneybliss.org
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In many industries, working remotely from your apartment rental has become quite common. Many of the advantages are undeniable, especially when living in a big city. You don’t have to get up early to face a long commute to the office via congested interstates or embark on the hustle and bustle of mass transit. You don’t have to worry about skipping breakfast or packing a lunch. You don’t even have to get dressed! All you have to do is walk a few steps across your apartment rental to your home office. However, a major challenge of working from home is the ability to focus and prioritize. We’ve put together five tips to improve your productivity while working at home!
1. Claim Your Workspace
Dedicate an area of your apartment as your sole workspace. No more wandering off to look for important work documents and getting sidetracked by television. A dedicated workspace helps establish boundaries for a better work/life balance. Storing your work supplies in one area – as opposed to spread throughout the apartment – will help keep you organized and focused.
Many rental apartments are too small for a separate home office, but you can always find ways to separate a work area from the rest of the apartment. It may be a drawer devoted to your work supplies, or even a tucked away small desk and work chair. Whatever it is, do your best to make sure those areas are dedicated to work — and work only!
If you reside with a roommate or spouse, let them know that when you’re sitting in your workspace, you are officially at work. Anyone sharing a residence with you should respect your work life and understand that you are at a job each day, just like if you had left your apartment and gone into the office.
2. Set Professional Standards.
You might be tempted to leave those pajamas on every day, but getting dressed helps define the workday and fosters productivity. When working remotely, your mindset is important. If you’re in the correct frame of mind about being at work, it won’t matter as much whether you’re in an office or your own apartment.
The snooze button is a remote worker’s best friend and worst enemy. The time you save on commuting can be spent catching a few extra winks, but you should still aim to be focused and ready to work by the start of the regular work day.
3. Limit Distractions.
There’s no doubt that having an apartment in the hub of the city has many benefits, but one major problem is noise. People going about their daily lives in the apartment complex may distract you from work. Invest in a pair of good headphones to reduce the noise that invades your home office space. You can work in a virtual bubble with a pair of headphones and only let in the noise you want, such as computer alerts or phone calls.
4. Stick to a Schedule.
Schedule your work day to be as productive as possible. Keeping a schedule might seem silly when you work from your rental, but it has been shown that strict scheduling each day will keep you on top of your “A” game. Remember that part of your schedule is taking time for yourself. Don’t let your apartment serve as an office exclusively. Make suer you take a break for lunch, or take a 15-minute break to walk the dog and deactivate your work brain. You would do this if you were out of your apartment at an office, so make sure you translate this to your work space. It’s tempting to “stay late at the office” if you need to complete a project, but don’t make it a habit. Quitting time applies to home offices as well.
5. Applications and Programs.
Computer and mobile apps have come a long way to help you stay in contact with business associates from around the globe. You might want to consider using Skype, join.me, Grasshopper, Basecamp, Trello, and Google apps for business when working from a home office. These great tools foster collaboration and give you the ability to seamlessly connect from anywhere.
Do you have a strategy that allows you to have optimal productivity when you work from home? We’d love to hear from you! Please share your tips with us on Facebook or Twitter @ApartmentGuide.
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My friend Nicole and her family visited our house for breakfast this morning. She and her husband are the founders of Green Ronin, a Seattle-based game publisher. As we enjoyed a couple lovely hours outside at the picnic table, we chatted about life and work. We talked about what it’s like to own a small business.
Because my father was a serial entrepreneur, I’ve spent most of my life around small businesses. Chris and Nicole have had a taste of the lifestyle over the past eight years. They’ve seen the bright spots and the dark, and have some strong opinions about entrepreneurship.
“What sort of advice do you have for somebody who might be starting a small business?” I asked. Here are the highlights of our conversation:
- Be wary of going into business with your friends. Though it sounds like a good idea, working with friends is often a recipe for disaster. “At the very least, partnerships with friends prevent you from being effective,” Nicole said. “You don’t say the things that should be said, or in the way that you should say them. You pull your punches.”
- Do your research. “I think it’s important to know what you’re getting into,” Chris said. “You can’t be successful by just jumping into an industry without having some idea of how it works. I didn’t just start publishing games, for example. I started by writing for somebody else. I had to learn about how a game company operates.”
- Start slowly. We all agreed that small business owners should move slowly. “We started Green Ronin in our spare time,” Nicole said. “Chris still has a full-time job outside the company.” By starting small, you’re able to control growth and focus on what’s important. Starting small also keeps things manageable. During my sixteen years working at the box factory, I saw all sorts of businesses come and go. Many of those that failed had tried to grow too quickly.
- Embrace guerilla marketing. “You can spend thousands of dollars on traditional marketing and see poor results,” Chris said. “We’ve placed big ads in magazines that just didn’t work. But it’s possible to spend much less on non-traditional approaches that get better results. For example, one way for us to introduce people to our products is to give away quick-start guides to our games at large conventions.” Think outside the box.
- Create boundaries. We began to discuss how much time our businesses take, and how I always seem to be working on Get Rich Slowly. “You need to create boundaries,” Nicole said. “A lot of people think that they can just work from home and enjoy a life of leisure. It doesn’t work that way. I wish I had better boundaries. My workspace is in a corner of the kitchen. It’s too easy to find myself answering e-mail at one in the morning.”
In the end, we all agreed that owning a small business offers advantages over a traditional job, but it also has its drawbacks. The best part, of course, is being involved with something you love on a daily basis. Unfortunately, that can be the worst part, too!
Here are some related posts from the archives:
This post is part of the Money Blog Network group writing project for July. Here are articles from other participants:
Starting a small business can be scary, but it’s also a great way to make money doing what you love.
Source: getrichslowly.org
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Keeping a dog in an apartment is much easier with a dog park right next door.
As much as we love our pets, it can be hard to be a dog owner living in an apartment. There isn’t as much space and you likely don’t have a private backyard where they can run and go to the bathroom.
Plus, some breeds simply aren’t suited for apartment living. That means that most apartment-dwelling dog owners need to use neighborhood or community dog parks. But this isn’t always the most convenient option. Maybe the nearest dog park isn’t within walking distance, meaning you need to drive there. Maybe your dog is still learning social skills and you still aren’t comfortable taking them to a large dog park.
The solution could be found in choosing an apartment complex that has its own dog park on the property. Exclusively available for the use of four-legged residents and their human companions, apartment dog parks have many benefits for apartment dog owners from their proximity to your home to reduced attendance. Plus, dog parks are amenities commonly found at higher-end luxury apartment buildings, meaning that there are likely tons of other desirable perks and amenities for you to enjoy.
13 reasons to look at apartments with dog parks
Every dog has its day, or at least it will once it lives in an apartment with its own dog park. Here are 13 benefits to dog owners and their canine roommates of choosing apartments with dog parks.
1. Your dog can get more frequent exercise
If you have a dog park in your apartment complex, you don’t have to drive or walk long distances to reach a nearby park. It’s easier to fit in multiple visits per day, giving your dog more opportunities to stretch their legs, run around and get some fresh air and exercise. Your dog will be happier and healthier for it.
2. Get in your daily steps
It’s not just your dog who can get in some exercise during dog park visits. It also gives you a chance to get in more daily steps while walking to, from and around the dog park. If your dog likes to run around, you can even get in some light jogs and cardio during dog park playtime. Having an on-site dog park gives you a chance to fit some easy exercise and stretching into your day as well.
3. It’s easier and more convenient
In general, having a dog park close at hand is more convenient for everyone. If you work from home, it’s easier to fit dog park visits into your schedule when it only takes a few minutes to get there. Instead of needing to plan outings around your work schedule, you can quickly run your dog down to the park to use the bathroom and exercise before a meeting starts. If it’s late at night and your dog needs to go out before bed, you don’t need to get dressed again and walk around the neighborhood. Early mornings are also better when the dog park is a few minutes away.
It’s also easier for pet sitters. If you don’t work from home and someone needs to let your dog out during the day, they don’t even need to take the dog off-site.
4. Meet and connect with other dog owners in your apartment complex
Apartment dog parks are also great places to socialize and meet your other neighbors who are dog owners. If you’re new to the complex and want to introduce yourself, saying “hi” and chatting at the dog park is a casual, easy way to get to know other dog owners in the complex. You can also meet and welcome new residents to the complex.
Not only can you make new friends this way, but knowing who among your neighbors are dog lovers can come in handy. If you’re going on a trip and need someone to watch your dog, you can simply ask trusted neighbors instead of needing to find someone new. If you’re away for work during the day, you can also ask work-from-home neighbors if they’re willing to help out with getting your dog their daily bathroom runs.
5. Your dog can make friends as well
It’s not just you who can make new friends and acquaintances while hanging out at your apartment dog park. Your dog can also make friends and become playmates with other resident pooches.
Larger neighborhood and community dog parks usually attract a bigger crowd, but a small apartment dog park that only caters to a particular complex will have a smaller pool of dog visitors. That way, your dog is more likely to bond with other dogs that they see more frequently and become friends.
6. Extra safety and security
Apartment dog parks are also generally safer for both dogs and their owners. At larger neighborhood dog parks where everyone is welcome, there may be run-ins with aggressive or untrained dogs. At a smaller apartment dog park, you’re more likely to know all the dogs there and whether or not they’re well-behaved or can become aggressive.
Having a dog park just steps from your apartment is also safer for humans too. For early morning or late nights, you don’t need to walk around a dark neighborhood or an empty dog park where there’s no one else around in case something happens. If your dog park is on your apartment complex’s grounds, it’s in a secure, safe area that likely also has better lighting.
7. Keeps messes to a minimum
The whole reason to take your dogs to a dog park is so they can have a good time, but sometimes they get messy in the process. Maybe they roll around in the mud or get covered in dust. If you need to drive to your nearest dog park, that return trip will get dirt, mud and other messes around your vehicle.
While your dog can still get dirty at an apartment dog park, at least your nice, clean car doesn’t have to pay the price. Plus, your apartment is right there for a fast clean-up.
8. Let your dog run free
Apartment dog parks may be one of the few places where you can let your dog off-leash for some untethered fun and exercise. Not all dog parks allow this because of the risk of violent or aggressive encounters. But in quiet apartment dog parks, you can usually give your dog free rein to run around and have fun.
Plus, you can quickly leash them back up if someone else comes to use the dog park that isn’t comfortable with off-leash dogs. Since you’re more likely to know all the other residents who use the dog park, that also means you can preemptively avoid encounters with aggressive or reactive dogs.
9. The apartment may have other pet amenities like dog washes
If your apartment complex has pet-friendly amenities like a dog park, they definitely cater to and understand the needs of pet owners. That means there’s a good chance they have other pet-friendly amenities like dog washing stations or dog spas like these dog-friendly apartments in Los Angeles.
No more getting your bathroom all dirty giving your dog a bath or hauling them to the pet groomers. You can take care of it yourself at your apartment’s on-site dog-washing spa.
10. Some dog parks may come with agility equipment
Offering chances for more enrichment play or learning new tricks, some apartment dog parks also come with agility equipment. These can help your dog keep their health and agility up, train for competitions or just have a good time.
11. Your dog will be less restless
Taking your dog out more frequently during the day means they’ll be less restless back at the apartment. Instead of hassling you to play or give them attention, they’ll relax or take a nap.
If you work from home or have lots of chores, it’s easier to work through your to-do list without a dog in the way. You’ll be more productive or can simply unwind and relax as well.
12. Better behavior both in and out of the apartment
Not only will having closer access to a dog park make your dog less restless, but they’ll be less disruptive. Dogs who are stuck indoors all day can bark, be noisy or make messes around the apartment.
This isn’t just disruptive to you, but can also impact your neighbors. A barking dog can lead to noise complaints and issues with your neighbors and building management. Making sure your dog gets plenty of fresh air and exercise at a dog park that’s close and accessible can help avoid these issues.
13. Living in a pet-friendly community
Living in an apartment complex that has its own dog park means that the overall community is pet-friendly, and there are many benefits of living in a pet-friendly apartment building. Firstly, it can be hard to find pet-friendly apartments sometimes. Even if you do live in an apartment that allows dogs, your neighbors might not, which can create conflict.
In an apartment complex that caters to pet owners with amenities like dog parks, odds are that many of the residents love and have their own furry best friends. You’re living in a community of understanding, like-minded people who share a common interest and passion, which makes for a more comfortable, happy living situation.
Find the perfect apartment for you and your furry best friend
From its convenience to helping you and your pooch make new friends, living in an apartment with a dog park offers numerous benefits for both you and your dog.
To find apartments with dog parks in a dog-friendly city, use the Pet Policy tools on Rent.com to look for apartment complexes that allow dogs. This will filter results to only dog-friendly apartments, which you can then browse to find complexes that come with pet amenities like dog parks.
Source: rent.com
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Despite that I don’t own it, I like my apartment. It’s got a mountainous view, it’s comfortable, and my neighbors are few but friendly. Sure, I’d like to own a home someday. But, unless I move to another city, that probably isn’t going to happen in the next few years. I’m fine with that. Like my neighbor said, I’d rather live here than anywhere else, at least for now.
If you sense a wee bit of defensiveness in my tone, you’re not imagining it. Part of me is trying to justify something.
After my upstairs neighbor moved out a few months ago, our management company began gutting their apartment. We found out they were completely updating it and tearing down walls to put in central air, a dishwasher and an entirely different floor plan.
It didn’t take long for me to notice all the stuff I hate about our apartment: doing the dishes by hand — what are we, cavemen? — and no central air. Life shouldn’t be this hard.
In case there’s any doubt, I’m joking. My point is: I never really noticed these things until I learned about the amenities that will be enjoyed by the Future Joneses in Apartment 9.
“We should move into that apartment,” my boyfriend and I have been joking over the past few months. “Wouldn’t that be funny? To move up one flight of stairs?”
But at some point, we got kind of serious about it. “Well, the rent will only be $240 more per month,” he pointed out. In our area, that’s not a huge jump. Plus, we split rent, so we’d each only pay an extra $120 a month. “If we moved, we’d still be living below our means,” I conceded. “But I don’t know.”
It’s pure lifestyle inflation. And in recent weeks, I admit that I’ve started to mull over the question of whether lifestyle inflation is ever okay and, if so, how do you decide when it is okay? Here’s how I’m sorting out my thoughts on the matter.
(Warning: This is another one of those “First World problem” posts. I’m really grateful to be debating over something like this.)
How will this affect my budget?
It’s the first, and most important, question. Our spending will automatically change, monthly, with this expense. It’s not something we buy once and get to enjoy it. It will truly inflate our lifestyle and our budget. To be honest, I don’t really use a strict budget. I make savings goals each year, and simply aim to reach those goals.
I crunched the numbers to see what our spending looks like, using the 50/30/20 paradigm (50 percent bills/30 percent spending/20 percent savings goals) as reference. If we were still trying to get out of debt, it would change my perspective quite a bit, but here’s how my spending stacks up in any event, generally speaking.
I was surprised that spending was my highest percentage, because I consider myself a frugal person. But I guess it makes sense — my fixed expenses are pretty low, compared to the 50/30/20 method, and that’s because I am so frugal with those expenses. I cut back on the things I don’t care about so I can spend more money on the things I love, like travel and dining out.
If we moved to the new apartment, the bills and rent percentage would jump to almost 30 percent.
“That’s still great compared to most people’s budgets,” my boyfriend argued. Which is true, but I’d rather compare my spending to my own goals, not other people’s expenses.
So back to the question: How will this affect our budget? I’m not going to budge on my savings goals.
I guess I could always take on extra work to make up the difference. That would keep my spending and income gap in tact. But dammit, I don’t want to work more.
In that case, the extra money would have to come out of our spending. That means less dining out or less travel. I have to ask myself, Is the apartment worth giving up a bit on those things? And, in that case, is it truly lifestyle inflation, or just a trade-off?
(Note: My boyfriend and I haven’t fully merged our finances yet, so I’m only calculating my own budgetary changes.)
What is the opportunity cost?
The extra amount I’d pay each month, $120, equates to $1,440 a year. And I could be losing even more than that, if you consider the opportunity cost. What additional opportunities are we giving up by spending that money?
For example, let’s say we choose to invest that money instead. If I invest $140 a month, in a year, that’s almost $1,500 (assuming a return of 7 percent). And in three years, that would be $4,800. If we combined our savings, that amount will jump to about $9,500.
Suddenly, I wonder if I really hate doing the dishes that much. Is a more comfortable lifestyle worth the opportunity cost?
And what is that cost in terms of my goals?
Let’s say my goal is to save up for a down payment for a home in L.A. If I save that money instead, I could buy a home sooner. But how much sooner? Homes here are expensive, and, unfortunately, $9,500 would be about a tenth of what our down payment might cost. I might rather live it up in this apartment for the next three to five years at the risk of pushing back my homeownership goal a bit. In that time, maybe I’ll pick a cheaper place to live, anyhow.
What am I getting in return?
I showed my boyfriend that figure.
“But it’s not like we’re not getting anything in return for our money,” he said. “Plus, we’ll cut back on spending, not our savings.”
Even though I defended renting a while back, I couldn’t help but argue:
“But we’re spending more money on a place we don’t even own. It’s like throwing money away.”
“With that logic,” he said, “Why don’t we just move into the cheapest apartment we can find?”
He has a point. Renting is just our reality. I’d love to buy a home someday; but if I stay where I’m at, it’ll be a while before that happens. Isn’t it okay to enjoy my income a little in the meantime?
Still, there’s a part of me that feels we’re spending more money on something, and, when it’s all said and done, we have nothing to show for it, because we don’t own it.
“When we travel, we don’t own anything, either,” he said. “Except the memories. It’s more of an experience purchase. In this case, we’re paying for comfort.”
And here’s the comfort we’d be getting in return:
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A bit more free time: We’d save time doing the dishes. Also, when both of us have a busy week, we sometimes order out too much and avoid cooking. Cooking equals dishes, and I know neither of us will have time to do those dishes the next day, so it’s just easier to order out. I’m not arguing that this dishwasher will save us money, but it might make it easier to avoid stress spending.
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Brand new stuff: This is a rarity when you rent. It’d be really nice to use a tub and toilet that a hundred other people haven’t used on a regular basis.
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More space: The apartment is slightly bigger, which is nice, though it’s not that big of a deal to me. I don’t mind small spaces. But it would be nice to have more room for my home office.
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Better aesthetics: The layout, lighting and amenities are better, making our day-to-day environment more comfortable and pleasant.
How frequently will I enjoy this?
Another important consideration in mulling over my lifestyle upgrade: Is this upgrade something I will enjoy often? It makes sense to spend your money where you spend your time.
A couple of years ago, we splurged on an expensive mattress, part of the justification being that we spend 8 hours a day on the thing. My back and I have zero regrets about that decision.
On the other hand, I once bought an expensive pair of heels. I work from home and rarely go to fancy places, so these shoes mostly just collect dust in my closet. Every now and then, I look at them and wonder if I should just try to sell them.
The apartment splurge is something I would enjoy on a daily basis, especially since I work from home. Also, I’d have more room for my home office, which would be nice.
I like being frugal. But, as we’ve discussed before, frugality isn’t just about saving money. It mostly seems to be about optimizing value. I’m not saying that this move would be a frugal choice; I just wonder if it’s inherently un-frugal. I’ll admit, I’m leaning on the side of moving, because I have no real concrete goals, I’m just saving to save, and, hell, I want to live a little. I’m into personal finance for the financial freedom, flexibility and options. What’s the point of managing my money so well if, when I finally get to the third stage of finance, I hesitate to spend it on day-to-day comfort and convenience?
It all sounds very rational, but the cautious side of me worries that I’m only justifying things. After all, I didn’t get to the third stage by giving into lifestyle inflation.
Still, it sure would be nice to move into what now seems like the perfect apartment.
What do you think? Is moving into a better apartment a bad personal finance decision? How do you decide on lifestyle upgrades? Is there something else to consider?
Source: getrichslowly.org
Apache is functioning normally
Inside: You are wanting to work from home. Here are the best non phone work from home jobs. Exactly what you wanted to find.
Are you looking for a work from home job but don’t want to deal with people? You’re in luck!
There are plenty of non-phone jobs that allow you to work from the comfort of your own home.
This is becoming more and more popular because it allows you autonomous work without the influence of talking to others.
Plus we will cover the best non phone work from home jobs! There are many options available.
To help you get started, we’ve compiled a list of the 35 best non-phone jobs for you:
Can you work from home without talking on the phone?
Yes, you can work from home without talking on the phone.
More and more jobs are transitioning away from the use of a phone. So, there is no better time than to transition yourself.
Best non phone work from home jobs
Here is a comprehensive list of the best non phone work from home jobs.
You will find a variety of part-time, full-time, and contract opportunities in a wide range of fields. Also, the opportunity to become your own boss.
1. Stock Trader
Stock traders must have a good understanding of market trends, economic forces, and have the ability to make quick decisions based on their analysis.
The benefits of working as a stock trader include high pay, job security, and the potential to make a lot of money if the stock market is performing well.
Additionally, stock traders are able to work from home and have flexible hours, meaning that they can plan their working day around other commitments.
Personally, this is one way I make money is by trading stocks and options. Join the $1000 in a day club.
2. Video Editor
A video editor is someone who works with audio and visual content to create cohesive and engaging visuals for either commercial or creative purposes.
They use various software programs to manipulate video clips, sounds, and images in order to create a compelling story. The role of a video editor involves careful attention to detail and the ability to utilize a wide range of software and hardware.
- The advantages of a job as a video editor include the potential to work from home and create a flexible schedule, as well as the potential to make great money, depending on the level of experience.
- Additionally, it can be a great way to express creativity and further develop important skills.
- On the other hand, one of the major disadvantages of working as a video editor is the high stress level that comes with the role.
Video editors are often under pressure to deliver projects under tight deadlines, which can lead to increased pressure and stress. Additionally, there is often a steep learning curve, as video editing requires a lot of technical knowledge and experience.
3. Proofreader
Proofreading is a non-phone work from home job that involves reading and carefully reviewing written documents for errors of spelling, grammar, syntax, and punctuation. It also involves making sure that the text makes sense and is consistent with the document’s purpose.
Proofreaders are expected to identify and correct errors as they appear in the text.
The pay for proofreaders is typically between $44k and $58k per year.
To make the job easier, I would take the Proofreading Anywhere course to understand what is expected of you.
4. Data Entry Jobs
Data entry clerks are often required to sort, organize, and verify the accuracy of data before entering it into the computer system.
Additionally, this type of job does not require any prior experience and can be learned quickly.
Data entry clerks can usually make an hourly wage, which makes it a great option for those looking for a side income. Furthermore, data entry clerks are often hired for short-term or part-time projects, allowing them to pick and choose their hours.
5. Writer
Typically, the role of a writer is to produce content, such as blog posts, articles, product reviews, press releases, and more, for various companies.
Writers must have a good command of the English language and demonstrate great grammar and spelling in order to be successful. Additionally, writers must have the ability to create content that is search engine optimized and persuasive.
Many people have found the Earn More Writing course helpful to bump start your freelance writing potential.
All in all, freelance writing is a great way to make a living and offers flexible hours, the potential for long-term growth, and higher pay rates.
6. Web Search Evaluator
Search engine evaluators have the important job of ensuring that search engine results are relevant and accurate to the user’s intent.
For example, a user might enter the search query ‘chocolate cupcake recipes’, and the search engine should return relevant results such as recipes. If the search results are irrelevant or inaccurate, the search engine evaluator is tasked with rating them accordingly.
Search engine evaluators typically earn around $20 per hour and can make up to $40k a year if they take the job as full-time professional.
7. Virtual Bookkeeper
A virtual bookkeeper is a professional who can provide bookkeeping services to businesses from remote location.
Most people choose to work for themselves as a bookkeeper with a bookkeeping side gig (or full-time business).
One of the main benefits of working as a virtual bookkeeper is that no college degree or qualification is needed to get started. Generally, bookkeepers charge around $80 an hour or more for their services.
Finally, you can learn more about getting started with Bookkeeper Launch to help you become a freelance bookkeeper.
8. Image Reviewer and Photo Editor
Similar to a video editor, a photo editor’s duties include, but are not limited to, ensuring that images display the desired quality, accuracy, and clarity; checking for visual consistency across all images; editing images to make them look more appealing; and providing feedback on the images.
Additionally, they may be responsible for curating collections of images, creating new content, and managing projects.
For those looking to sell on Shutterstock, this is a great side hustle.
9. Create and Sell Printables on Etsy
With a little creativity and the right software, you can create unique printables that customers can purchase and print out themselves.
This can be a great way for you to make passive income with minimal effort.
In fact, my friends Cody and Julie did so well selling printables; they now teach others how to make a living creating and selling printables.
10. Selling on Amazon (FBA program)
This is a way to make money by reselling products you find online or in brick and mortar stores on Amazon for a higher price.
Amazon will ship the products to your customers, handle customer service, and even provide storage for the products.
With the right amount of work and dedication, you can make quite a bit of money with FBA.
11. Blogger
With blogging, you have the ability to work from anywhere in the world with just a computer and an internet connection.
You can write about whatever topics you are passionate about and be your own boss.
You can also make money blogging through various income streams such as affiliate marketing, paid sponsorships, ads, and more.
12. ESL Instructor
The job of an ESL (English as a second language) instructor is to provide English language instruction, usually via webcam, to those who are not native English speakers.
The benefits of this job are numerous: it allows for flexible hours, can be done from anywhere in the world, and offers an opportunity to make a difference in the lives of learners from all over the world. Additionally, being an ESL instructor allows one to learn about other cultures, stay up to date with language trends, and gain valuable professional experience.
To get the job, you need to have a thorough understanding of the English language and pass any certification tests.
This is a great type of job that pays weekly.
13. Virtual Assistant
A virtual assistant (VA) is a professional who provides administrative and technical support to clients remotely. They help with a variety of tasks like answering emails, data entry, blog management, bookkeeping, editing, proofreading, marketing, research, filing documents, and customer service – to name just a few.
The type of services you offer will depend on your skills, experience, and education.
The biggest benefit of working as a VA is that you can work from home and set your own hours.
And the pay can be quite lucrative, with rates ranging from $25 to $100 an hour.
If you’re interested in becoming a VA, Kayla Sloan offers a free workshop that teaches people how to become Virtual Assistants and makes up to $10,000 a month. Download her Virtual Assistant checklist.
14. Accountant
An accountant is a professional who is responsible for tracking financial records and preparing financial statements for a business or individual. They ensure that their clients’ finances are accurate and in compliance with applicable laws and regulations.
One of the primary benefits of working from home as an accountant is flexibility. You are able to work your own hours and set your own schedule. This allows you to create a better work-life balance and also gives you more time to spend with your family.
15. Freelance Jobs
A freelancer is someone who does work for themselves and not for a company.
This is typically contract-type work.
You can find freelance jobs on sites such as Upwork, Fiverr, or People Per Hour.
The best way to freelance is to know your own skills and how to monetize them.
16. Editor
An editor is a professional who is responsible for reviewing and improving documents, whether that be in print, online, or even on video.
Editing involves ensuring accuracy, flow, grammar, and style. This is a great non phone work from home job because it allows for great flexibility and does not require a college degree.
Most positions are freelance which means that you can work on your own schedule and take on as much work as you can.
17. Social Media Manager
Social Media Managers are in charge of maintaining a client’s presence on a variety of social media sites, such as Facebook, Pinterest, Instagram, Snapchat, YouTube, Twitter, and Google Plus.
They are expected to respond to comments, manage brand partnerships, create posts, photos, and videos, and track analytics to come up with an effective marketing strategy to promote their client’s accounts.
In addition to creating content, Social Media Managers typically monitor and moderate what is posted on the client’s social media accounts. They are usually responsible for ensuring that the content is appropriate and that the rules and regulations of the platform are followed.
The potential salary range for Social Media Managers can vary, but they can typically make $78000 per year.
18. Transcriber
A transcriber’s role is to convert audio recordings into written documents. They listen to audio files and type out what they hear.
Transcribers have the advantage of being able to work from home and can earn up to $21 per hour or more if they start their own business. They also have the potential to increase their wage upon gaining more experience.
Additionally, transcribers do not need to interact with other people, making it an ideal job for those who are more introverted or prefer working alone.
Finally, there are various resources available to help transcribers get started, including free mini-courses and companies that hire experienced and beginner transcribers.
19. Marketing Associate
As a Marketing Associate, you’ll be responsible for a wide variety of tasks, including developing and executing marketing campaigns, conducting market research, creating content, and managing and optimizing paid search, video creation, and other digital marketing efforts.
Additionally, you may be asked to support customer service via live chat, social media, text, and email.
The ideal candidate for this role will have excellent communication skills, be proficient in typing and have excellent spelling and grammar, and be passionate about social media platforms.
20. House sitter
A house sitter is someone who stays in a home while the homeowners are away and provides care for the premises and any pets that the homeowners may have.
The job of a house sitter includes tasks such as watering plants, taking out trash, and performing general maintenance of the property.
House sitters can benefit from the opportunity to experience different places, save money on rent, and have some extra time to explore their surroundings.
Platforms such as TrustedHousesitter.com make finding house-sitting jobs easier than ever before.
21. Online Tutor
The role of an online tutor is to guide students in their studies and help them understand a particular subject or skill virtually, through video chat or online software. Plus you have the opportunity to work with students from different countries.
Online tutoring jobs vary in requirements, but typically a bachelor’s degree or current college enrollment is needed.
They provide instruction and guidance, assist students with assignments, answer questions, and give feedback on their progress. The tutor also has a responsibility to motivate and encourage their students to stay on task and reach their academic goals.
22. Pet-Sitting Jobs
Pet sitting jobs can be a great way to make some extra money from home while spending time with animals (and not people)!
With Rover, you can earn anywhere between $10 and $20 an hour for dog walking, $20-30 for overnight stays, and some people are even making $1000+ a month in metro city areas. As a pet sitter, you have to stay at home with someone else’s pets and they pay you for taking care of their pets.
Rover.com is a great platform to find pet sitting jobs as they offer a wide range of services such as dog walking, pet sitting, and pet care.
23. Personal Stylist
Personal styling is an exciting and relatively new job that offers the opportunity to work from home. The role of a personal stylist is to help clients express their individual style through the selection of clothes, accessories, and other items.
It involves curating a set number of clothing items and accessories based on the client’s fashion profile. This job requires an eye for detail, an innate sense of style, and creativity.
It’s perfect for creative individuals who are passionate about fashion and have an eye for details.
24. Website Tester
Website testers are typically paid to assess the overall user experience on a website and provide feedback on how to improve it. W
You do not need a phone to complete your tasks; they only require a laptop with a webcam and microphone to record your observations.
Website testing is a non-phone work from home job that pays good money to ensure that websites are user-friendly. It is a flexible and straightforward way to make some extra cash.
25. Closed Captioner
A closed captioner is a person who transcribes audio into text for specific use on video.
This is a great job for those who learn and work better visually, as well as those who can type quickly and accurately. This type of work allows for a very flexible work schedule, meaning you can work when you are most productive and there is no need for any phone interactions.
You get the freedom to work on your own schedule and make a decent amount of money doing something that doesn’t require phone conversations.
26. Online Test Scorer
An online test scorer is responsible for scoring assessments such as tests, exams, and essays from students of high school or college. This job requires a certain level of expertise, as the test scorer must be able to interpret and evaluate the quality of the assessments accurately and fairly.
The test scorer must also be able to maintain the confidentiality of the students’ answers and grades and be able to provide feedback that is relevant and constructive.
This job typically requires a bachelor’s degree, and it is often seasonal with part-time hours.
27. Translator
The role of a translator is to take a language and convert it into another language, be it oral, written, or audio.
Translators not only have to be multi-lingual and have a good command of grammar and spelling, but they also need to be able to convey the meaning of the words they are translating accurately. They can work on a variety of projects, from subtitling to full-length books.
There is a wide range of online platforms on offer, so translators can pick the one that best suits their skill set and desired pay rate.
28. Graphic Designer
A Graphic Designer is someone who is skilled in using platforms like Photoshop, Canva, and other software to create visual and graphical designs.
Typically, these designs are used for things like logos and branding materials, websites, social media content, or clothing.
You must have a creative flair, as well as knowledge of graphic design and the required software. In order to be successful, they must have a computer with a good internet connection and the programs necessary to do the job.
29. Medical Coder and Biller
A medical coder and biller are responsible for translating a patient’s symptoms, diagnosis, and medication prescribed by a doctor into codes.
These codes are then entered into a database for the biller to use, who will turn them into a bill to be submitted to the patient’s insurance company.
The average pay scale for medical coders and billers can range from $45k – $65k per year, and they can find many remote positions on job sites like Indeed.com.
30. Instructional Designer
The role of an Instructional Designer is to research, write, design, and create training courses and manuals for a variety of people, such as educators, students, and employees.
Instructional designers need a degree in the subject being written about, or a degree in education, and should enjoy writing and editing. Working from home as an Instructional Designer has many benefits.
Working from home in an Instructional Designer role gives you the freedom to explore new methods and techniques to create the best possible course or manual.
31. Non-Phone Remote Nursing Jobs
With more and more companies offering remote work opportunities, there are many non-phone remote nursing jobs available.
The type of work ranges from utilization review nurses, clinical research associates, and data abstractors all work with data and compliance, ensuring procedures are being followed correctly and that they are medically necessary.
Companies such as Cigna, CVS, Flatiron, PPD, and UnitedHealth Group are just some of the many hiring companies offering these types of remote nursing positions.
32. Fraud Investigator
Fraud investigators are in demand in many industries, including financial institutions, e-commerce stores, healthcare companies, and insurance companies. As a fraud investigator, you’ll be tasked with looking for fraud, abuse, and irregularities in financial transactions.
If you have an eye for detail and like doing research, this could be a great non-phone job opportunity for you.
Companies usually require customer service experience or a criminal justice degree and/or a CAMS certification (Certified Anti-Money Laundering Specialist). It’s a great way to make a good income without having to pick up the phone.
33. Community Moderator
A community moderator is a person who oversees online forums, groups, and social media accounts to ensure that rules and regulations are being followed, questions are being answered, and spam and junk content are being removed.
It is an online opportunity where moderators can be employed to manage and moderate comments on various social media sites and chat rooms.
The benefits of working as a community moderator include the opportunity to work from home and a flexible schedule. Additionally, moderators will gain experience in digital engagement, such as moderating forums, chatting with customers, managing communities, and buzzing on social media.
34. Netflix Tagger
The Netflix Tagger is a real job opportunity that allows individuals to work from home watching movies and tagging them with the appropriate keywords, genres, and descriptions.
This job is ideal for those who have a passion for movies and experience or education in radio, television, and film.
Working as a Netflix Tagger (also known as Metadata Analyst) is not only rewarding but it is also beneficial for those who want to work remotely without having to make phone calls or talk to customers.
35. Provider Enrollment Specialist
A provider enrollment specialist is a non-phone work-from-home job that involves researching, reviewing, analyzing, and managing provider enrollment applications to ensure they are in compliance with guidelines.
Provider enrollment specialists usually require prior experience in medical terminology, appeals, claims, or customer service, and may also require an associate’s or bachelor’s degree.
36. Survey Taker
By completing surveys, survey takers are able to share their opinion and help inform companies and brands on how to provide better products and services that meet customer needs and expectations.
Benefits of working as a survey taker from home include the flexibility of being able to work at your own pace and the ability to earn extra income while working whenever and wherever you choose.
Additionally, survey takers can take advantage of cash, rewards, and sweepstakes entries as compensation for their time.
It is not a way to get rich, but it is a great way to make extra money on the side.
Here are the top legit survey platforms:
37. Chat and Email Support
Chat and email support workers provide customer support and assistance via email and online chat. They are responsible for responding to customer inquiries and resolving customer issues.
This customer service-oriented position does not require the use of a phone.
Chat and email support workers must be able to answer customer questions and respond to their inquiries quickly and accurately. They must also be able to use active listening skills and type quickly.
Companies often provide chat and email support workers with guidelines for providing customer support, and they may also require workers to understand their products in order to provide effective customer service.
Are non phone work from home jobs legitimate?
The answer is yes! In fact, there is a growing number of non-phone work from home jobs for those who don’t want to be on the phone all day.
Whether you’re a mom with kids and pets running around, or if you find customer service work draining, there are good options out there for you to make money from home without being on the phone.
In conclusion, non-phone work from home jobs are legitimate and provide a great opportunity to make money from home without being on the phone.
FAQs
Are you Excited to Work from Home Job No Phone?
Working from home has become increasingly popular over the years, as it offers flexibility, comfort, and the ability to work from anywhere.
All of these jobs that offer the best comfort and increased focus is working from home on the laptop. The advantages of this job include flexibility in schedules, the ability to remain in control of your own workspace, and enhanced focus as there is less noise and distraction.
With the number of remote job leads that are available, you are sure to find the perfect work from home job that suits your needs.
In addition, working from home gives you the freedom to work in a location of your choice. You no longer have to commute to an office or be bound by office hours.
Also, you can take breaks when you need them and work in a comfortable environment.
Which career choice are you going to look into?
Source: moneybliss.org
Apache is functioning normally
For years, I was working anywhere from 60 to 100 hours per week.
I hardly got any sleep, barely saw my friends and family, and had very little time to do things for myself. It was exhausting, and I knew that I couldn’t do that long term. When I would think about what I wanted for the rest of my life, I realized I needed to make a change.
See, when I first started this blog, I was working a full-time job, getting my master’s degree, and blogging in my spare time. Even though I didn’t start my blog to make money (I started it to keep track of how I was doing with my finances), I used any amount of my spare time to work on it.
Reaching new readers, making a good additional income stream, and meeting blogging friends was all very motivating.
It felt good to work, but I knew I was working way too much. There’s no way I could continue like that forever.
After I quit my job to blog full-time, I was still working a ton, definitely more than 50 hours a week.
Eventually, I realized that I needed to focus on how I do things so that I could save time. I wanted to enjoy my life, travel more, spend time with friends and family, and more.
I had to rethink how I work and use my time so that I can get the most out of my days and weeks. At first, it was difficult to change how I did things, but now when I look back, I realize how different my life is now.
I now earn a great income, while working less than ever. My business is mostly on autopilot, and I just work around 10 hours a week.
As a new mom, this has been a lifesaver!
I can’t imagine if I had my daughter in the early days of starting this blog. It’s been about a decade since I started this blog, Making Sense of Cents, and I had no idea what I was doing. I spent a lot of time trying to figure things out, and even though it took a ton of time and energy, I wouldn’t be where I am today without all of those long weeks.
Now, I have my business running quite smoothly, and I’ve been able to make over $5 million online. There are some tasks that I definitely still do myself, such as writing blog posts and answering emails from readers. Other tasks, though, are automated and simply make my life easier.
I get to spend as much time as possible with my daughter, travel when I want, visit friends and family, and more.
I have learned so much in the decade since I started Making Sense of Cents. I’ve reached financial independence and live my ideal lifestyle. I work around 10 hours each week and spend the rest of my time with my family, traveling, and enjoying life.
Because I know people are shocked to learn how little I work, I wrote today’s post to help you realize how you may be able to save time so you can live the life you want.
Related content:
Here’s how I save time and work 10 hours a week
I have a to do list
I have an on-going to-do list, and this is one of my top time management tips.
Any and everything that I need to do goes on my list, from small tasks to major ones. Without my to-do list, I would feel lost, unorganized, and probably even confused about what to do!
I’m actually not a very organized person, and my to-do list guarantees that I never forget what I need to do.
Yes, I rely heavily on my to-do list, but putting a to-do list together doesn’t have to be hard. I keep my to-do list on my phone, and it’s just a simple list of things I need to do. Other people find that planners work well for them.
Your to-do list will keep you on track so you don’t forget what needs to be done on a daily, weekly, or monthly basis.
I live by my calendar
If there is something coming up that I know I will not remember, I create a simple reminder on my calendar. This makes managing my life easier because I don’t have to worry about forgetting things.
I create reminders for things such as:
- When it’s time to pay estimated quarterly tax payments
- Interviews that I am taking part in
- When I need to send invoices to companies
- Checking affiliate links on a regular basis to make sure they work
- Business tasks that need to be completed by a certain date
And more.
This prevents me from wasting my time trying to remember things I may have forgotten. Instead, I know exactly what I need to do each day and month.
I even have items on my calendar for things that are more than a year away. This ensures I never forget or wonder what I have to do.
I set working hours for myself
One of the best things about blogging is that I can work from home. There is a lot of flexibility when you work remotely, but it can be difficult to “turn off” for the day. That’s why I recommend having clear working hours. This will help you manage your time, complete your work, and “leave” work for the day.
You will want to schedule your day so you have:
- A start time
- Lunch break
- End time
- Anything else that you would normally do to break apart your work day
Even if you can have the most flexible schedule in the world, it’s usually wise to still keep somewhat of a work schedule. This way you can mentally get into the “work zone” each day and have fewer distractions.
While my typical work day varies a lot, having a loose schedule helped me as a new mom.
I work ahead
This one is probably my favorite. Working ahead has changed my life and allows me to focus better.
When I first started Making Sense of Cents, I was writing content and publishing it either the same day or the next day.
It was a very stressful way to run a blog because it felt very forced and rushed.
Eventually, I remembered reading about a blogger who said that they liked to be around six months or more ahead in blog posts. I thought it was nuts at the time, but it has truly changed my life.
Now, I try to be at least a few months ahead in content. Currently, I am around 5-6 months ahead, which feels so great.
Between getting ahead on content and reducing the number of posts I publish each week, I now have a realistic schedule that lets me work ahead on other projects and reduces my overall stress.
There are many benefits to writing content in advance, such as:
- I don’t feel like I’m running out of article ideas.
- I don’t rush the day or week before to try and figure out something good to write about.
- Having a huge amount of content written and done.
- I only write when I’m in the mood to write.
When I’m in the writing mood, I write much faster and enjoy the writing process. This helps me to work fewer hours because I’m not forcing myself to write, which takes way more time.
I can spit articles out quite quickly when I am in the mood to write.
I also like to batch write content, which means I may write a lot of content in one week, and then I can go several weeks or sometimes a month or two without writing a single blog post.
This way, I can focus on other areas of my blogging business and have a better work-life balance.
I outsource tasks
Certain things I do myself, such as writing blog posts, brainstorming new marketing and revenue ideas, and responding to emails from readers.
But there are many tasks that don’t have to be done by me.
And for those, I outsource!
Outsourcing tasks for your business can help you focus on more important tasks, find professionals who can do certain tasks better than you (such as accounting or legal work), as well as save time.
I know it can be hard to feel okay spending money on outside help, but outsourcing often makes you more productive so you can earn more money.
For my business, I outsource many different things such as I have an editor, virtual assistant, Pinterest virtual assistant, graphic designer, technical management, and more.
I cut out distractions
It can be so easy to get distracted when you’re working, especially if you are working from home.
But this can cause you to waste a lot of time and not get nearly as much work done as you would have liked.
While social media and TV may be great at times, you have to be careful so they’re not impacting your work in negative ways.
This may even mean downloading cell phone apps that minimize your screen time so that you are forced to cut out distractions. I even know of some people who put their phone in another room so that they are less likely to be on it while they are working.
For me, I have deleted numerous apps from my cell phone so that I am less likely to be distracted by it. I do not have Facebook, Pinterest, or Twitter on my phone, for example.
I use tools to automate my business
There are so many great tools out there to help you run your business.
To save time running Making Sense of Cents, I use a wide range of tools, plugins, and platforms, and they are all great! I try to automate as much as I can because with today’s technology, it is a no brainer.
Yes, some technology may take some time to learn and set up in the beginning. But once you have it set up, you can automate many different areas of your business.
Here are a few tools and websites I use:
- Convertkit – This helps me automate my newsletter and funnels.
- Teachable – My online courses are hosted on this website, and Teachable handles payments, affiliates, and more.
- Adthrive – Yes, you can manage all of your different display ads by yourself, but honestly, no one does that these days. Using a company like Adthrive or Mediavine can save you an infinite amount of time.
There are many other tools you can use to your advantage too, such as automatic backups for your blog, creating filters for spam comments (so that you don’t have to go in all the time and delete spam comments on your blog), and more.
I use affiliate marketing on my blog
Finding a more passive income stream for your business can reduce the amount of time you spend actually working!
The passive income stream I’ve built is affiliate marketing.
I earn most of my monthly income with affiliate marketing, and it’s also my favorite way to monetize a blog.
Affiliate marketing allows me to save a lot of time, while still helping my readers find the best products and services to improve their lives.
It can be a somewhat passive income source because you can create a blog post and possibly earn money from that same blog post for years. In fact, I have many blog posts that I continue to earn income from even though they are five years old. See, even though a blog post may be old, I am still constantly driving traffic to it (and updating the content occasionally as well!), and readers are still purchasing through the affiliate links in that article.
What is affiliate marketing? Affiliate marketing is a blog monetization method where you share a link to a product or service with your readers and earn income when followers make a purchase through your special link.
You might earn a percentage of the sale or a flat rate for each person who signs up or makes a purchase through your affiliate link.
Here are some quick tips so that you can make affiliate income on your blog:
- Be honest with your reviews. If there is something you don’t like about a product, either don’t be an affiliate for the company or do mention the negatives in your review. Whenever I write a review or talk about a product, I try to research negative reviews to see what others users think.
- Ask for a raise. If you are doing well with a particular affiliate program, ask for a commission increase.
- Build a relationship with your affiliate manager. Your affiliate manager can give your readers valuable coupons, increase your commissions, offer bonuses, and more.
- Be strategic with your links. There is no need to include an affiliate link 100 times in your content. You can simply include links at the beginning, middle, and end of your posts, and readers will notice them. Perhaps bold your links or find another way for it to stand out as well, like a call-to-action box.
You can learn more about affiliate marketing strategies in my free Affiliate Marketing For Bloggers Ebook.
Want to find time to get stuff done?
There’s a good chance that after reading this post you realize that you want to use your time more efficiently so you have time to do more with your life, whether that’s more travel, more outings with friends, more time to start a family, and so on.
While working less is great, perhaps you’re having a hard time finding hours in your day to fit work in.
If that’s the case, then I can help you in this area too.
For several years, I worked full-time and found different ways to make extra money, such as starting and building my blog Making Sense of Cents. Before that, I was working full-time while also attending college full-time. Working 100 hour weeks was a regular thing for me for many, many years.
If you are someone who wants to start side hustling but you can’t figure out how to find time to make extra money, I recommend reading 16 Ideas That Will Teach You How To Find Time To Make Extra Money.
Some of the ways include:
- Strategically use your lunch time
- Use vacation days at your day job
- Use short gaps in your day correctly
- Be more organized
- Create an efficient schedule
In conclusion
As I said at the beginning of this post, I can’t believe how much time I used to spend working every week. It was necessary to reach my goals, but finding ways to use my time better has allowed me to cut my working time down to around 10 hours a week.
The most surprising part about only working 10 hours a week is that I’ve made over $5 million online. Not all of that money was made while I was only working 10 hours a week, but I make a great income working a fraction of the time most people do.
While it might sound unbelievable, here’s how I’ve been able to save time working:
- Keep a to-do list
- Add things to my calendar so I never forget anything
- Set work hours
- Work ahead
- Outsource tasks
- Cut out distractions
- Use technology to automate my business
- Make somewhat passive income through affiliate marketing
What do you do to save time in your day-to-day life or business?
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Source: makingsenseofcents.com
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What is renters insurance and why should I consider it?
As of 2019, roughly 36% of U.S. households were living in rental properties, meaning that a large percentage of the population opts to rent instead of own. While renters don’t own the property they live in, it’s still important to have some protection in place, which renters insurance, also referred to as an HO-4 policy, can provide.
A comprehensive renters insurance policy can help cover your personal belongings, liability exposure and additional living expenses, should your home become uninhabitable due to a covered event. Purchasing renters insurance is typically easy and the premiums are usually affordable compared to many other types of insurance. If you’re in the market for renters insurance, here’s what you need to know before purchasing a policy.
What does renters insurance cover?
Renters insurance can cover numerous situations, depending on the endorsements that you add to your policy. However, the main coverages on a renters insurance policy are:
- Personal property coverage: This coverage is designed to pay for your damaged or destroyed belongings after a covered loss. Covered personal property generally includes your furniture, clothing, household items and some electronics.
- Liability coverage: Your liability coverage may pay for medical bills and your legal fees if you are found at fault for someone’s injuries or damage to someone’s property.
- Additional living expenses: If you are unable to live in your rented home or apartment after a loss, this coverage could help pay for the cost of a hotel and other expenses, like laundromat services or pet boarding. Living expenses coverage only covers the necessities. You should ask your insurance agent to see what exactly is covered when you purchase your policy.
You may also have the option to add additional coverages, like identity theft coverage, pet liability coverage and scheduled personal property coverage to your policy. If you are not sure what coverages you should consider, talking to a licensed agent could help.
Most renters policies also exclude damage to your personal items caused by earthquakes and flooding. While earthquake coverage can often be purchased as an endorsement, you may need to buy a separate policy if you live in a high-risk area. Flood insurance is most commonly offered as a separate policy, although a few companies offer endorsements or include this as a coverage option.
How much does renters insurance cost?
Renters insurance costs, on average, about $179 per year, per Triple-I. However, the cost of your renters insurance policy will vary based on several factors, including how much personal property coverage you purchase, the level of liability coverage you select, what additional coverages you choose and your claim history.
What states offer renters insurance?
Renters insurance is available in all 50 states and Washington, D.C. However, states that have a high density of renters, such as California, New York and New Jersey, may have more active renters insurance markets with more companies and endorsements to choose from.
Renters insurance is not just for those who rent apartments. Renters in condos and homes also have the option to purchase renters insurance. In warmer states like Florida and Georgia, homeowners may choose to rent their homes out for part of the year if they live elsewhere. The renters who occupy those homes can also purchase renters insurance policies to cover their belongings and liability exposure.
What companies offer renters insurance?
There are numerous renters insurance companies on the market, but your options will depend on what state you live in. Not all companies are available nationwide, and not all companies offer renters insurance in each state where they operate. If you are looking for the best renters insurance company, you may want to get quotes from these providers:
- Geico: Renters who want to handle their policies digitally may want to consider Geico. The company has one of the most highly-rated apps in the industry.
- Progressive: If you are looking for a highly customizable policy, Progressive could be a good choice. The company offers a long list of optional coverages, including water backup and personal injury.
- State Farm: Renters looking for an in-person agency experience might want to get a quote from State Farm. The company has over 19,000 agencies across the country.
How do I save on renters insurance?
Although renters insurance is generally much less expensive than homeowners or condo insurance, there are still ways to reduce your premium.
- Bundle your policies: If you also have an auto insurance policy, consider bundling your renters insurance with the same insurer — you might earn a discount on both policies.
- Install protection devices: If your apartment has smoke alarms, a carbon monoxide detector or a home invasion alert system, you might save money on your policy.
- Consider how you pay: If you can pay your annual premium in full, you might save money. If you do need to pay in installments, many companies offer discounts if you sign up for an automatic withdrawal.
- Increase your deductible: Your deductible is the amount you will pay out of pocket if you file a claim. Generally, the higher your deductible, the lower your premium. Just be sure to choose a level that you can afford to pay if you file a claim.
Every insurance company is different, so discussing your policy with a licensed agent could help you find additional ways to save.
Frequently asked questions
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Everyone’s situation is different and purchasing any kind of insurance policy is a highly individualized decision. Renters insurance is not required by law in any state, but a landlord has the right to require tenants to purchase a policy. However, even if you are not required to carry coverage, renters insurance does typically offer quite a bit of coverage for a relatively low cost. If your budget is particularly tight, you may be able to take advantage of discounts to lower the cost of a renters insurance policy while still getting valuable coverages.
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The process of purchasing renters insurance is generally simple and there’s typically no waiting period, which means you may be eligible to get coverage on the same day you apply. For most people, the first step to getting a renters insurance policy is to obtain quotes from multiple insurance companies. Most companies offer personalized quotes online or by phone, or you could visit a local agency to speak to an insurance agent about your needs. During the quote process, you typically need to provide personal information, like your name, address and date of birth. This information can help determine the options and levels of coverage that are right for you. Once you have chosen a renters insurance policy to purchase, a representative will discuss the next steps. You may need to sign an application, and you will probably need to make at least one month’s payment for your policy to be active.
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Because there are several insurers that offer renters on the market, you may not know where to start your search. Determining what kind of coverages you need and what features you want — like a digital app, 24/7 customer service or a live agent — may help you to find carriers that fit your needs. You can then request quotes from several companies to compare prices, coverages, discounts and features.
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If you rent out a property, you may want to consider a landlord dwelling policy. This type of policy covers the structure of the home, detached structures and any personal property that you provide for the home (such as furniture). Your renters should consider purchasing a renters insurance policy, though, because a landlord dwelling policy does not provide any coverage for renters’ possessions.
If you operate a short-term vacation rental, you may want to speak with your insurance agent to make sure you have adequate insurance coverage. Your short-term vacation rental tenants likely will not need a renters insurance policy. If they already have a homeowners, condo owners or renters insurance policy, their personal property coverage should transfer to a short-term rental, just as it would transfer to a hotel room.
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That depends on the situation. Your pets are generally not considered personal property, so damage or injury to your pets is not typically covered by a renters insurance policy. For that, you need pet insurance. However, your liability coverage may cover damage or injury that your pets cause to others. However, some dog breeds and exotic animals are often excluded, and any animal that you do not disclose to your insurance company could also be excluded from coverage. Discussing your pet with your insurance company is often the best way to confirm your carrier’s guidelines.
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Yes, renters insurance is a common policy. There are about 109 million renters in the United States, and most financial experts agree that renters insurance is a prudent purchase. Because of the prevalence of renters in the country, many different insurance companies offer renters insurance.
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Source: thesimpledollar.com
Apache is functioning normally
In this episode, the hosts discuss managing money when you’re neurodiverse and then tackle a listenerâs question about financial infidelity.
The [Best] 30 Summer Jobs for Teachers in 2023
Inside: Are you looking for a summer job and the opportunity to make money? Check out our list of the best summer…
Read More… The [Best] 30 Summer Jobs for Teachers in 2023