Have You Ever Thought About Making Money in Your Spare Time?

by Kaylie Phelps

In the United States and much of the world, there’s a culture surrounding “real jobs” that doesn’t allow people a lot of time for fulfillment outside work. You hear a lot about a healthy work-life balance these days. What does that buzz phrase actually mean? It depends on who you ask. Some people love their career path, driving to work everyday, and spending time with coworkers. Others don’t enjoy this model and want instead to have lots of free time, outside of the workplace and with their friends and family.

But while this sounds great, it can be hard to actualize. Life costs money, and if you want to be able to take time to yourself, you’ll have to find a way to monetize at least some of your spare time. This seems like a foreign concept to some people. But it’s the mantra of the growing freelancer and entrepreneur movement in the United States. If you’re tired of working the nine-to-five, there are a growing number of ways to make a living on your own time, with skills you already have. This is no get-rich- quick scheme. This is about living a lifestyle that’s both fun and frugal, making the most of both time and money. Here are some ways people make it happen.

Work as Freelancers. One of the worst parts about a regular office job is that it often doesn’t matter how long it takes you to do a job, you still have to stay at the office all day. As a freelancer, you can complete tasks as fast as you like. As long as the work is good, your clients won’t care. This allows talented and self-motivated people to take skills they already possess and do work very similar to that which they’ve previously done for a traditional employer. On the one hand, they might lose a couple of health benefits. But on the other hand, many people learn to do more work faster, sometimes making more money than they did in their old job, with a lot less time and effort.

Play Digital Games of Skill. If you’re the best card player in your friend group, maybe it’s time to see how you stack up against players from around the internet. Free internet poker is crazy-popular all around the world. But so is cash poker. If that’s not your game, web and mobile devices make all manner of casino games available with real payouts. is Is it possible to earn real money by playing casino games online? You better believe it. And while the high roller pros may get all the press, you can bet there are plenty of people out there making a great living with this strategy.

There are plenty of other ways to make money online. These two strategies tend to be two of the best for people who have very recently left the traditional job market. If you’ve made the switch, congrats to you! Keep on learning new methods and you could create a great life for yourself, with enough money and lots of time for the things you want to do.

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What to Do Financially When You’re Diagnosed with a Serious Illness – Would You Turn to Personal Debt Solutions?

by Kaylie Phelps

According to a report by Macmillan Cancer Care, families earning average wages with average outgoings end up £200 in debt each month if an adult is diagnosed with a disease such as cancer.

The report was discussed in a recent news article, and said that the average family is left with around £365 (8032.85 South African Rand) each month after paying for necessities such as bills, food and everyday travel. Macmillan Cancer Support chief executive Lynda Thomas commented on the report, saying: “At a time when thousands of families are struggling to make ends meet, a cancer diagnosis can be the straw that breaks the camel’s back, sending them into financial freefall.”

Avoid Loan Sharks

Many people turn to loan sharks to try and make ends meet. The trouble with this is that unlicensed loan sharks can often get you the money quickly but charge huge interest rates as a result and cannot always be held accountable. They are law-breakers, and can demand unreasonable repayments and deadlines, which can only elevate stress levels higher on an already delicate and anxious situation. You should always avoid this kind of loan when in desperate need for money. Same day loans website Wonga South Africa blogged recently that before drawing out a loan, you should ‘ensure that you use an honest and reputable provider and read all the terms and conditions so that you are sensible with your decision making’. A loan can be a good way to bridge the gap before pay day, but you need to understand the difference between ‘good’ and ‘bad’ debt and never get credit that cannot be repaid. It is only a short term solution, so if you need extra money on a monthly basis, a loan probably isn’t your best bet. However, in an emergency situation, a reputable loan company could provide you with the cash you need. If you’re in doubt about whether a loan could help you or make the situation worse, speak to a financial advisor who can help guide your decision.

Benefits

There are other ways to help in a situation like this. There are some benefits you may be able to receive. For instance, in South Africa you can claim if you are unable to work due to an illness. Details can be found here.

Charities

There are also certain charities that can help you. Cansa is a SA charity that can give you help and advice on managing your condition and making ends meet during this difficult period of your life.

Speak to Family and Friends

Friends and family can help you in many ways. Perhaps not in a monetary sense, but in other ways. For example, they may be able to bring you some dinner once a week, pick the kids up from school or do the laundry for you. All of these things can help you when you’re suffering from an illness such as cancer.

You may also consider talking through your feelings with a loved one. This can always be beneficial to have this kind of support.

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