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Sometimes being frugal isn’t enough to meet your financial obligations and goals and you’ll have to look for ways to earn some extra cash.
Whether you’re a stay at home parent looking to supplement your family’s income, looking to pay down debt or establish an emergency fund or saving for a special purchase, here are some ideas to help you make some extra money.
Note that these are not get rich quick schemes and they might not work in every situation. This post will help you brainstorm how to use your unique skills and resources to make money in ways that might not have occurred to you before.
Most taxpayers would probably prefer to do nearly anything (including going through an anesthetic-free root canal procedure) than be audited by the IRS.
However, if you are an honest taxpayer, audits shouldn’t be something you worry about.
Here are some basic facts about audits that should help you to breathe a sigh of relief. [ continue reading… ]
Most of us know that one of the most important steps to build wealth over the long term is to invest our money, but the idea of investing, for many, is scary. The memories of the last financial crisis may finally be starting to fade, and anyone who remembers that time can tell you of someone they know who had their entire retirement accounts chopped in half. In fact, it was so painful people started calling their 401ks 201ks. Many people had to put off retirement because of the decline, and that’s if they are lucky to still have a job.
While stock market valuations are much higher now, some people are still concerned about what could be coming next. The economy may be doing better, but the headlines are as scary as ever. War, brexit, and the Fed raising interest rates too fast all seem to be just around the corner. In these types of conditions, it’s hard to remain calm when it comes to your money.
Before you panic, though, it’s a good idea to step back. Often, the solution is not to unceremoniously dump your investments, especially stocks. It’s better to have a measured response to the issue. Here are a few things you can do to in order to help you remain calm when you aren’t sure about the market: [ continue reading… ]
Cable companies are a supreme example of a natural monopoly. They’re the easiest example for economics professors to use, because, due to structural conditions, only a few competitors can exist in any cable market. Often, there is only one option that consumers can choose. The consumer has no leverage and is thus at the mercy of the cable company.
Over the years, the price of cable has increased significantly. Luckily, other forms of technology and media have grown as well, leading to a shift in favor of the consumer.
There are a number of unscrupulous types out there, waiting to take your hard earned money. One of the most common ways criminals try and scam you is to “phish” for your information. In these types of scams, you are asked to reveal personal financial information. This information can then be used to commit identity fraud — and can cost you in time and in money.
Consumer Reports Money Adviser has issued a warning about three different scams that have been circulating recently. While the affected areas, so far, are rather small, you never know when something will spread. Here are some scams to be aware of: [ continue reading… ]
For many people, it can be difficult to imagine living without a checking account. But it’s the reality for the roughly 8% of Americans who are living “unbanked,” meaning they have no bank account whatsoever. In addition, a total of 28.3% of Americans are either unbanked or underbanked, which means they rely on alternatives to banks for financial services like check cashing.
Unfortunately, living without a checking account is costly. Nearly every available service for cashing checks will impose a fee — and many service providers won’t cash personal checks.
So what are the check-cashing alternatives for an individual without a checking account? Here are five options and their accompanying costs: [ continue reading… ]
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