3 Smart and Fun Ways to Make Money Online

by Kaylie Phelps

There are many ways a person can earn additional income from online projects and gaming activities. This is actually good news for students, stay-at-home parents, and full-time professionals who want to improve their cash flow but does not have so much time to spare. Let us take a look at three things that you can do online during your free time which can help bring add additional funds.

Sell Digital Photos Online

If you are into photography, you can actually use this hobby to earn passive income online. There are many websites that can serve as your platform in selling your digital photos, such as Shutterstock and iStockphoto, where you just need to upload the pictures that you have taken and sit back and relax as the payments are sent to your account. Since you are selling digital copies of your photos, there is no limit when it comes to how much you can earn from each photo, as every download will correspond to a fee. The key here is to take high-quality photos that are relevant to a variety of keywords and can be used for marketing and online content.

Record Videos and Post Them on YouTube

This is actually a popular activity among people of varying ages, from kids giving their reviews on the newest toys being sold in stores to seniors dancing to the tune of the latest hits. It really depends on what you are interested in, and it is important to be consistent in uploading quality YouTube videos on a regular basis so more people will notice you and subscribe to your channel. Be sure to record your videos in a well-lit room or space and add titles or captions whenever necessary. Then attach Google AdSense to your videos which will overlay these with ads which, when clicked by your viewers, will generate passive income for you. Don’t forget to share your videos on social media platforms like Facebook, Twitter, and LinkedIn so you can reach more viewers.

Play Online Games

For gamers, this online activity is ideal to release stress, have fun, and win big money or bitcoins, since this cryptocurrency seems to be the new trend in online transactions nowadays. What’s even great is, there are many incentives for players to play online. If you do a Google search, you will see that a lot of sites offer zero registration fee and even give bonus games to players. Some, like Bitcasino.io, even have a VIP programme exclusive to frequent players that opens doors to unique competitions and tournaments where you can earn bigger prizes. The VIP status also entitles you to choose among non-bitcoin rewards, such as free spins, gift vouchers, a Samsung television, an iPhone X, and a Macbook Pro.

These are just three of the best ways one can earn money online without having to put in so many hours per day on top of your studies, work, or duties at home. By allocating just a few hours a week, you can expect additional funds coming in even when you are sleeping.

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5 Tips on How to Make the Most Out of Black Fridays

by Kaylie Phelps

Black Fridays are great for making savings from shopping offers and deals so you have to be organized and ready to get the most out of it when it finally comes. The following tips are just what you need to prepare, take a look.

Shop Online
There is no big deal about going to the malls when you can just sit at home and make your orders from there. Most of the Black Friday deals are online so you can be sure of getting the most out of it since you save on transportation costs, lunch or any other cost attached to going out. You also shop without stress since you do not have to stand anywhere as you wait to make your purchases.

Plan Earlier
Planning earlier will help you avoid confusion and buying beyond your needs. Your plan should start with a detailed research on the items, their prices and the stores to find them. If you are looking forward to phone deals, keep an eye on the price changes in various stores. You will be able to determine the best price earlier and make a budget. You will also detect unsure pre-holiday price changes and keep away schemers masquerading as deals.

Take Note of Policies
Policies provide guidelines for shopping and return so if you want to be on the safe side, go through them. Different stores have policies unique to them. Some have extended return deadlines, some impose return fees, while some even do not accept returns. Knowing such things can help you decide where you will do your shopping. Some stores have long lists of return policy breakers in their databases so if you know you could be the list of a certain store, you risk being turned down if you return an item, especially if you do not have a receipt. For this reason, you should always ask for gift receipts when buying an item or a gift. The receipts will mostly be placed in the gift box. This will make it easy for a return or exchange to be made because the receipts stand as evidence of purchase. Most policies are strict on returns, no return or exchange can easily go through without a receipt or terms agreed to.

Budget in Advance
After planning the items and where you will be buying them, you have to make a budget. Estimate the amount of money for everything you will need and allocate a price for every item. This way you will buy only what you need so no overspending and over-excitement about deals.

Stay Alert
Black Friday is not going to wait for anyone so you have to be on the radar if you want to make the most out of it. Take, for example, phone deals. Almost everyone is waiting for that moment when they can go and get the best deal or even take up the few opportunities offered. To beat this, you can go for the phone contracts which will either be in form of contract deals or buyouts. If you get the phone contracts on time, you can save a good amount of cash.

If you are alert, it means also that you will catch the early bird shopper deal. The good thing is that the early bird deals are going to be announced so the vigilant are going to save on the doorbuster prices. Early bird shoppers special offers and midnight madness sales will favour you if you stay awake. Just make sure you check various stores so you know when the holiday hours and special sales are advertised. If you regularly make your purchases with from specific store or mall, be sure to check them out to know when they are giving out gift certificates.

Here’s how you can keep yourself alert. Look for Black Friday deals on newspapers, they are there in plenty so you just gather all the info you need and prepare yourself. You can also install Black Friday mobile apps to help you stay alert and organized. The apps will always alert you before and during the Black Friday by tipping you on the best deals, stores, and packing spots among other things.

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How to Use Payday Loans Like a Personal Finance Pro

by Kaylie Phelps

Having gaps in your monthly budget is not uncommon. A lot of people face the same issue in today’s economy. It isn’t always possible to keep up with bills and other payments before the next pay cheque, especially when you have a lot of loans to repay.

Just because you have gaps in your monthly budget it doesn’t mean you can’t be smart about
managing your personal finances. There are tools and financing options you can use to fill those gaps. Payday loans are one of the best ones to use and the tips we are about to discuss will make you a pro when it comes to using payday loans in a smart way.

Not All Gaps Are Worth Filling

The first tip to keep in mind when it comes to using payday loans to fill financial gaps is the fact that not all gaps are worth filling. You don’t always have to take out a payday loan to pay overdue bills. To make the right decision every time, there are a few important aspects to consider.

First, consider the effects of missing the payment deadline in the first place. How much in late charges and fees do you have to pay when you miss a payment? Will the missed payment lower your credit score? Is there any other effect to worry about?

Let’s take a credit card bill as an example. Missing a credit card payment often brings a hefty late payment fee and an equally big sum of interest. The missed payment will also reflect badly on your credit history and will lower your credit score. In most cases, taking out a payday loan is a smart move to make thanks to the lower cost and lack of negative effects.

Not All Payday Loans Are Worth Using

Another tip to keep in mind is to never go for the first payday loan offer you come across, no matter how good the offer appears to be. You need to take your time and compare payday loans so that you know you’re getting the best deal possible.

There are several reliable payday loan providers online. One example can be seen through CashLady, (an independent credit broker) who are able to find great rates and instant loan solutions for those who need a quick financial injection. Other payday loan providers have different APRs and will offer different features with their loans.

Short-Term Use Only

Last but certainly not least, only use a payday loan when you know you can repay the loan at the end of the term without ruining the following month’s budget. Payday loans are never designed for long- term use, which is why they have relatively high APRs compared to conventional loans. Using a payday loan for more than two to three months is a big no-no.
This financing option is more geared towards short-term use that extends for no more than a few weeks. They are ideal for filling gaps between your pay cheques and will help you keep your personal finances in order. Now that you know how to use payday loans like a pro, you can benefit more from this flexible financing option.

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    Welcome! I'm Mrs. Money and I lead a frugal, simple, and debt free life on a modest income. I make money online to help support our family. I believe in saving money, living green, and enjoying life!

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