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3 Best Debit Cards With Rewards

The use of a reward debit card rather than a reward credit card will reduce your risk of building up debts. With a reward debit card, you can save more on cash while avoiding the accruement of debts.

Bank of America Visa Debit Card

The Bank of America Advantages Plus account is a checking account offered by the world's largest bank. Listed below are a few of the primary features offered by Advantages Plus accounts - Minimum opening requirements of $100 - Minimum balance of $0 - Monthly maintenance fee of $12 with an option for a fee waiver - Fee-free ATM feature - Offers a variable cashback percentage - Offers cashback services when you make a purchase via BankAmeriDeal BankAmeriDeal is a mobile app that enables you to earn cashback rewards when you make a purchase with your debit card. This app must be connected to a BankAmerica account. Deals are updated on the BankAmeriDeal. The cashback will be deposited into your Bank America account thirty days after you complete a BankAmeriDeal transaction.

Discover Cashback Debit

Discover Cashback Debit enables you to access Cashback rewards of up to $3,000. The following are some features of this only bank card - Minimum opening requirements of $0 - minimum balance of $0 - Maintenance fee of $0 - Free to use ATM - All debit card transaction earns you a 1% cashback reward - Absence of fees and charges for regular check orders, overdraft, halter payments, online payments, and more.

PayPal Business Debit Mastercard

PayPal Business Debit Mastercard is available in Belgium, France, Netherlands, Portugal, Austria, France, Spain, Germany, Ireland, Italy, the United Kingdom, and the United States. In the last two years, PayPal & Mastercard have concentrated on increasing the number of debit cards available to small companies in Europe. Small companies can now access their PayPal balances quickly and potentially earn infinite cash back on their qualified purchases thanks to the PayPal Business Credit Mastercard. With Mastercard being one of the most frequently used credit cards in the world, PayPal's business clients can now use the funds in their PayPal accounts in more than 52 million places where Mastercard is accepted.

Free debit cards with money on them

Prepaid cards that provide cash as a Sign-up bonus include Brinks Prepaid Mastercard, PayPal Prepaid Mastercard, NetSpend Visa Prepaid Card, The Mango Premium, Kids' Debit Card, and Walmart MoneyCard.

Frequently Asked Questions

Which debit card gives highest reward points? HDFC Bank Debit card is known for giving the highest reward points. In addition to this, they offer an impressive array of benefits. One of them includes a 5 Reward Points for every Rs. 100 that you spend using your HDFC Bank Reward Debit Card. Big Bazaar, Apollo, Snapdeal, BPCL, IRCTC, SmartBuy, and PayZapp are some of the retail partners that have partnered with PayZapp. In addition, the customer would get Rs 1,935 for every Rs 13,750 spent at a partner retailer. Can debit cards have rewards? Since the majority of debit cards do not come with incentives for spending, a card that offers uncapped benefits is a standout feature. However, this feature does not come without a price, as you will be required to pay either an annual or a monthly charge for it. Which is the best debit card Visa or MasterCard? MasterCard and Visa have both competed in many ways but both are equally safe and provide comparable advantages. Although VISA has a somewhat larger market share and processes more transactions globally, MasterCard is also widely accepted by retailers. Why does Costco only take Visa? By making an agreement with Visa, Costco came up with a method to save money. In return for the warehouse club's commitment to solely take Visa payments, the creditor reduced Costco's merchant charge to a paltry 0.4%. How good is Capital One bank? Capital One Bank offers the greatest blend of online banking services. It offers no checking or savings charge fee, and it comes with a competitive savings rate. Other features it offers include a high CD rate, excellent customer service, absence of overdraft fees, and more. Read the full article

Unlocking Power and Prestige: What Is a Black Card

Imagine walking into an upscale boutique or an exclusive restaurant, and with a simple gesture, you present a sleek black card. Instantly, doors open wider, smiles become more welcoming, and the level of service intensifies. This isn't just any card; it's a symbol of status, power, and financial prowess. Incredibly few people globally are granted this privilege, often shrouded in an aura of mystery and luxury. So, what is a black card, and why do so many aspire to hold one? Beyond its striking appearance, a black card represents more than just financial clout; it encompasses unparalleled benefits and personalized services that cater to the elite. From access to private jets, bespoke travel experiences, and invitations to exclusive events, the perks are designed to cater to every whim of the affluent. But it’s not just about spending power. Having a black card can catapult your prestige and transform your lifestyle in ways you might have never imagined. In this blog post, we’ll delve into the intricacies of what makes a black card so coveted and exactly what you need to know if you ever find yourself on the receiving end of this ultimate status symbol.

The History and Evolution of Black Cards

Black cards have a long and fascinating history that dates back several decades. The concept of exclusive credit cards first emerged in the mid-20th century, with American Express leading the way by introducing its Centurion Card in 1999. This iconic black card was initially available only to a select group of high-net-worth individuals who met stringent financial criteria. Over time, other financial institutions and credit card companies recognized the appeal of offering their own exclusive cards. As a result, various versions of black cards began to emerge in the market, each with its own unique set of benefits and requirements. Today, black cards are no longer limited to just one brand or financial institution. They have become a symbol of luxury and exclusivity across different credit card providers worldwide. While the specific qualifications and benefits may vary from one card to another, the allure remains constant – owning a black card signifies membership in an elite club.

Qualifications and Requirements for Obtaining a Black Card

Earning the privilege to carry a black card is no easy feat. Financial institutions impose strict qualifications and requirements to ensure that only individuals with significant financial means can access these exclusive perks. The exact criteria for obtaining a black card can vary depending on the issuer, but some common factors include:

Unveiling the Exclusive Benefits of a Black Card

One of the primary reasons why black cards are so coveted is the extensive range of exclusive benefits they offer. These perks go far beyond what traditional credit cards provide, making them truly unique in the world of personal finance. Some of the most common benefits associated with black cards include:

The Global Network of Black Card Holders

The allure of being a black cardholder extends beyond just the individual benefits. It also grants entry into an exclusive global network of like-minded individuals who share similar financial standing and lifestyle aspirations. This network provides opportunities for networking, socializing, and even business collaborations among its members. Whether attending private gatherings or connecting through online platforms, black cardholders have access to a community that understands and appreciates the privileges that come with their status. Furthermore, the global network of black cardholders opens doors to international connections and experiences. Traveling becomes more seamless as cardholders can tap into local networks and receive recommendations from fellow members, ensuring they make the most of their journeys.

Debunking Myths Surrounding Black Cards

Black cards have often been surrounded by myths and misconceptions, contributing to their enigmatic reputation. Let's debunk some of these common misconceptions: Myth 1: Black cards are only for billionaires. While it's true that black cards are typically reserved for individuals with significant financial means, they are not exclusively limited to billionaires. Many high-net-worth individuals who meet the necessary qualifications can obtain a black card. Myth 2: Black cards have unlimited spending limits. Contrary to popular belief, black cards do not grant unlimited spending power. While they may have higher credit limits compared to standard credit cards, there are still limits in place to ensure responsible spending and manage risk for both the cardholder and the issuer. Myth 3: Black cards guarantee automatic approval for all applications. Although having a black card can improve your chances of being approved for other credit products or services, it does not guarantee automatic approval. Each application is evaluated based on individual financial circumstances and creditworthiness.

Black Card Security Measures and Protection

Gaining access to exclusive benefits is just one aspect of owning a black card. Equally important is ensuring the security and protection of the cardholder's finances and personal information. To safeguard against potential fraud or unauthorized use, black cards often come with advanced security features. These may include:

Impact on Lifestyle and Prestige

Owning a black card can have a profound impact on an individual's lifestyle and overall sense of prestige. The exclusivity and privileges associated with these cards elevate the everyday experiences of cardholders in various ways. From dining at Michelin-starred restaurants to attending VIP events, black cardholders gain access to a world that is often inaccessible to the general public. This elevated lifestyle can enhance personal enjoyment and create lasting memories. Beyond personal experiences, owning a black card also influences how others perceive an individual. It signals success, affluence, and an elevated social status. This perception can open doors in both personal and professional spheres, leading to new opportunities and connections.

Black Card vs. Other Premium Credit Cards: A Comparison

While black cards are often considered the pinnacle of premium credit cards, there are other high-end options available in the market. Let's compare black cards with other premium credit cards: Rewards and benefits: Black cards typically offer a wider range of exclusive benefits and personalized services compared to other premium credit cards. The perks associated with black cards are often tailored to cater specifically to the needs and desires of high-net-worth individuals. Qualifications: Black cards generally have more stringent qualifications and requirements compared to other premium credit cards. They are designed for individuals with significant financial means, whereas other premium cards may have slightly more accessible criteria. Annual fees: Black cards often come with higher annual fees compared to other premium credit cards. These fees help offset the costs associated with providing the extensive benefits and services that come with owning a black card.

The Future of Black Cards: Trends and Innovations

The world of black cards continues to evolve as financial institutions strive to meet the ever-changing needs and expectations of high-net-worth individuals. Some emerging trends and innovations in the realm of black cards include:

Embracing the Black Card Lifestyle: Conclusion

In conclusion, a black card represents more than just a credit card; it embodies power, prestige, and a world of exclusive benefits. From its intriguing history to the qualifications required for ownership, black cards continue to captivate the imagination of those who aspire to join this elite club. While owning a black card may not be within reach for everyone, understanding what they represent provides insight into the world of luxury and privilege. Whether you hold a black card or simply admire them from afar, their allure is undeniable. So, the next time you see someone elegantly produce a sleek black card, remember that it signifies much more than just financial status – it unlocks a lifestyle that few can experience. Read the full article

ShopAtHome Review: Is It Legit or a Scam?

Do you want a cashback app that is worth your time? What about one of the industry's oldest? Learn more about the cashback app ShopAtHome in this in-depth review, and whether it is a legit or scam cashback site. Unless you've been living under a rock, you know that some fantastic earning opportunities are available online today. For example, you can earn money by completing microtasks, taking surveys, and playing games. ShopAtHome is a website that offers cash back on purchases made through the site. It is a cashback site enabling users to earn money back online purchases. But is it a legit cashback site, or is it a scam? This article will take a closer look at ShopAtHome and review everything you need to know about ShopAtHome. Related: Ultimate Rebaid Review! (Save $ 100's)

What is ShopAtHome?

ShopAtHome is a website that pays you a percentage of your purchase via its app. This site is affiliated with many online retailers. You'll be offered a cashback if you purchase a product from one of its online retailers via ShopAtHome. The percent of cashback you receive depends on the retailer store you purchase from. Most stores give you 1% to 40% cashback on your purchase investments. To become eligible for ShopAtHome cashback services, you must create an account and start shopping via its site. How ShopAtHome Works

ShopAtHome is one of the most popular online shopping destinations that offers customers a unique and convenient online shopping experience. With ShopAtHome, you can shop for your favorite products from the comfort of your home and save money while doing so. Here's how it works: When you visit the ShopAtHome website, you'll find various products from different categories, including clothing, home goods, electronics, and more. You can browse by category or search for specific products. Once you find a product you want to buy, click on the link to view more details. When you're ready to buy, click the "add to cart" button and follow the instructions to complete your purchase. Your order will be shipped directly to your door, and your purchase is secure and private. In addition, you are protected by ShopAtHome's Buyer Guarantee and a 100% satisfaction guarantee. To learn more about the ShopAtHome Buyer Guarantee, visit ShopAtHome. After you purchase an item via ShopAtHome, you'll receive a percentage of that purchase back in a cash rebate. How to Sign Up for ShopAtHome

ShopAtHome's sign-up process is simple and straightforward. It will only take a minute to complete it and become a member of their website. All you have to do is click the free sign-up button on their homepage and log in with your Yahoo, Facebook, Twitter, or Google+ account. You won't have to remember any additional login information to access your account. You can join the site using your existing email address and create a new password. The app will also sync with the email or social media account you used to sign in, sending all necessary updates to your inbox. Pros of ShopAtHome With ShopAtHome, you can earn cash back on your purchases, and there is no limit to how much you can earn. When it comes to making online purchases, there are different options to choose from. One of the best and most convenient options is ShopAtHome.com. Here are some of the pros of using this service: - Convenience: One of the biggest pros of ShopAtHome is its convenience. You can easily search for the items you want and purchase them without leaving your home. In addition, you can access ShopAtHome.com from anywhere with an internet connection. - Easy payments: Another benefit of ShopAtHome is its fast payment services. It also allows you to make payments with checks, credit cards, debit cards, or cash. - Variety: Another big benefit of ShopAtHome is its variety of products. You can find any product on the site, from clothes and accessories to electronics and home goods. This makes it an excellent one-stop shop for all your online shopping needs. - Free shipping on most items: Another benefit of ShopAtHome is its shipping policy. ShopAtHome, like some online retailers that have ways to get free shipping supplies, can give you free shipping on most items you purchase. To access the free shipping service, you'll need to ensure that the product you are buying meets ShopAtHome's free shipping policy. Cons of ShopAtHome ShopAtHome is a great way to save money on purchases, but it has a few drawbacks. Here are the cons of ShopAtHome: - Lack of good deals. ShopAtHome partners with certain stores, and you may not be able to find the best discount on the item you're looking for. - Inaccurate Search Menu: When you type in the name of a product in the search menu, ShopAtHome will sometimes show you a list of stores that don't offer the product. - Cashback offers are not always available. - The FAQ section contains limited information. - Not available to a global audience

How To Make Money With ShopAtHome

Everyone wants to know how to make money with this ShopAtHome app and whether those methods suit their needs. As a result, this is an important part of our ShopAtHome review, which will help you decide whether ShopAtHome is legit or a scam. Unlike traditional cashback apps, which offer limited saving options, ShopAtHome offers a variety of options. Here's a detailed breakdown of each of them so you can pick the best one for you. Get ShopAtHome Rewards

ShopAtHome's main money-making tools are its cashback offers. You can easily get cashback on your purchases when you know where to look. First, log in as a member and navigate to your dashboard. Then, click the "view offer" button to view the list of offers and the terms and conditions for each one. If you like a cashback offer on the list, simply click the button and notify the retailer that you're purchasing through ShopAtHome. Then, you will be taken to the retailer's website to continue shopping as usual. Remember that you will not receive cashback if you visit the retailer's website after viewing the offer and buying the same product. As a result, you must navigate the site to find your desired brand. After completing the purchase, you will receive the cashback amount specified in the offer. However, the amount will not appear on your dashboard immediately because the platform needs time to verify your purchase. Get Paid To Take Surveys with ShopAtHome This feature distinguishes ShopAtHome from other cashback sites. There are many cashback rebate sites out there, but there ain't many that offer paid surveys, but ShopAtHome does. However, this does not imply you will have access to many surveys daily, as you would on a legitimate survey site. Furthermore, most of their surveys are preceded by qualifying questionnaires, which can be time-consuming. However, if you complete a survey on their website, you will be paid right away. They also give you five cents even if you cannot complete the survey, which is very thoughtful. However, if you are disqualified from more than five surveys in a single day, you will not receive any additional disqualification payments on that day. If disqualified, other best survey sites pay cash instantly. Get Referral Program Bonuses with ShopAtHome

Just like sites that pay you to refer friends, you can also make money on ShopAtHome by referring it to your friends and family. You will receive a $5 bonus if your referral signs up for the platform using your link and makes a verified purchase within 30 days. We like their referral program because it rewards you and your friend who joined through your link with a $10 bonus from the platform. To begin earning money with ShopAtHome Tell A Friend, simply copy your unique link and share it on Twitter or Facebook. You can increase your visitors by sharing their banners on your social media accounts.

ShopAtHome Features

ShopAtHome App The best thing about ShopAtHome is that it has a mobile app like many other cashback sites. So, you can check the app ones d the go for deals, discounts, and coupons, like ShopAtHome Payments. Another thing we like about ShopAtHome is that its payment system is simple and clear. What you earn from their cashback offers, coupons, discounts, and surveys will go straight to your member's portal on the site. After a while, you can turn your earnings into cash or gift cards. To get paid in cash, you'll need to reach the site's minimum threshold of $25. Get a Unique gift card with just $10 Here's some good news: even if you've only earned $10, you can use the platform to get a unique gift card. If you're wondering how much money you can make on the site, you're in for a pleasant surprise. ShopAtHome's cashback percentages on all their brands are pretty high compared to other cashback sites. So, depending on how much you spend, you can quickly get $10 to $25 cash back each time you shop, depending on how much you spend. ShopAtHome works with well-known stores like Amazon, Best Buy, Target, and Walmart. This is the best part. This means you can buy everything you need from one of the partner brands, from every day groceries to luxury items. Also, the presence of many brands and stores means there are always lots of deals for you. Before you buy something you need, you should check the app or website to see if the advertised discounts are still valid. So, you'll never miss a chance to get cashback. ShopAtHome User Reviews Positive Review by ShopAtHome Amazon Users "Okay...so I LOVE Shopathome.com. I like that I can shop online at the stores I normally would (at least most of them) and get a percentage back from my purchases! Let me tell you when I got a check after my Christmas shopping online. It made it all worthwhile. I've…" Bonnie, U.S A MUST-HAVE straightforward and comprehensive shopping and saving app: Shopathome. " I use this on my Kindle Fire as well as the chrome browser extension. The app works much better and is one of my favorites regarding shopping and saving. Everything is pretty straightforward. When you click on any of the listed featured stores (compiled from your… " Mobrinkley, US " Great app. I use this app to make extra money when I order from stores online. You go to this app before you order and find the store you will order from. This app will give you an extra percentage or discount off of your purchases. It is a great way to make money off…." Sandra, U. S Negative Review by Complaint Board Users "Cashback not credited I have earned over $ 5 000 in cash back for the last seven years, using 6 or 7 different cashback sites, so I know the rules and am always very careful. Please, be careful, too, when using ShopAtHome as your cashback platform. I have experienced so many problems with" TheRealJC, U.S. "Offers big rebates, but won't pay after the purchase ShopAtHome ripped me big time by paying me rebates I had earned through their site. After I made the purchases(Puritans Pride)through SAH, I wasn't getting paid the rebate, so On their site, I used their trackback to prove that I used their site to make my purchases, but they claimed that when they contacted Puritans Pride that I went direct through… " Bill Zeromski, U.S "110% guarantee not received. They cheated me out of the 110% guarantee I requested the day I placed a large order. I am absolutely positive that I did everything correctly and should have been awarded an additional 4.8% savings on my order. The so-called "customer service" claimed that I never sent a request in for a 110% guarantee, when in fact I did it 2X just… " Michael Pes, US ShopAtHome Review: Is it Legit or a Scam? Our verdict is that ShopAtHome is a legit site that offers online shoppers the ability to earn cashback on their purchases. The ShopAtHome coupons are good; however, the fact that getting cashback isn't always easy, as many users say, is definitely a problem that SAH needs to fix. The site has been around since 1999 and is one of the oldest and most well-known cashback sites. ShopAtHome is legit, but there are a few things to be aware of before using the site. Firstly, ensure you are registered with ShopAtHome through a legitimate referral link. Unfortunately, there are lots of scammers who use ShopAtHome referral links for fraudulent acts. Secondly, not all retail stores on ShopAtHome enable you to earn cashback for your purchase. Therefore, before purchasing from a retail store listed on ShopAtHome, you need to verify if the store allows you to earn cashback.

ShopAtHome Alternatives

BeFrugal It would be best to consider joining BeFrugal, a high-paying cashback site. The site is extremely popular, and it not only gives new users $10 when they sign up, but it also gives a $10 referral bonus. Because the platform has over 5000 retailer partners, you can earn cashback on almost every purchase you make. Rakuten Rakuten is a legit site that gives each new member a $10 bonus. It was formerly known as Ebates. It's easily one of the most popular cashback sites out there. Besides that, along with valid cashback offers, the site automatically applies coupons and discounts to all purchases when you download it as your browser extension. TopCashBack This well-known cashback site will pay you $15 just for signing up. Furthermore, it ranks first in terms of quick, instant payments. TopCashBack currently operates only in the UK but will open up soon for visitors worldwide. Is ShopAtHome For You? But the site does have some bad things about it. The interface hasn't been updated, so it looks old and is hard to use. Also, there aren't enough cashback offers, which is a big problem because that's how the site makes money. In the end, the choice is completely up to you. If the downsides bother you, you can go to other cashback sites with better deals. On the other hand, you should try ShopAtHome if you think there's nothing to lose. Before signing up for any online cashback site, you should always ensure you've done your research. This can save you time and help you avoid possible scams. Related: QuickRewards Review: Is it Legit?

Bottom Line

ShopAtHome is a legitimate cashback site that offers users rewards for shopping online. The site is easy to use and is affiliated with many online retail merchants. So if you want to earn cashback for shopping online, ShopAtHome is a good option. Overall, ShopAtHome is a legitimate site that can help you save money on your purchases. It gives you great ways to make money, like coupons that save you money, cashback deals, referral bonuses, and paid surveys. Also, the website pays out quickly in cash and gift cards.

Frequently Asked Questions

Q: What is ShopAtHome? ShopAtHome is a website allowing users to browse and purchase items from online retailers. In addition, the site offers a variety of deals and discounts on items from other stores, and users can also earn cashback on their purchases. ShopAtHome also has a section where users can find coupons for different stores. Q: How does the cashback system work? The cashback system allows customers to earn money by spending it. Stores participating in the program will give a percentage of a customer's purchase back in cash. The rate can vary but is usually around 5% of the total investment. Sign up for a store's loyalty card or download an app to take advantage of the cashback system. Then, they can start earning rewards on every purchase they make. Tips are usually given as points, which can redeem for cash or other items. Q: Can I really get Cashback on ShopAtHome? Yes, you can. ShopAtHome is a website that allows you to shop online for items and receive cashback on your purchase. You can also find discounts and coupons on the ShopAtHome website. Q: How Do I start using ShopAtHome? To use ShopAtHome, you need to create an account. Once you have created an account, you can begin shopping. When you are ready to checkout, select ShopAtHome as your payment method. You will then be redirected to the ShopAtHome website. After you have completed your purchase, your cashback will be deposited into your ShopAtHome account. Q: Will I receive cashback if I cancel my order? You can cancel your order if you don't get your package within the time frame given for each product. Unfortunately, orders are sometimes sent out before we can cancel them. So, if you cancel your order but still get the package, email us, and we'll figure it out! Q: What happens if I receive the wrong item? If your order is the wrong size, color, broken, or otherwise not what you wanted, just let us know, and we'll refund you or try to get you the product you wanted. Read the full article

Budgeting for Unexpected Expenses, 11 Best Ways to Avoid Disaster

Budgeting for unexpected or irregular expenses can be difficult and unpleasant. Your budget appears to be in good shape one minute and then seems to be hanging by a thread the next. It's almost enough to make you want to throw in the towel on your budget. In this article, "Budgeting for Unexpected Expenses: 11 Best Ways to Avoid Disaster," we will go over exactly what you need to do to avoid collapsing under unexpected financial circumstances. Then, when you have to tap into your emergency fund or money set aside for unforeseen bills or events, money management techniques can help you stay on track. Budgeting can be fun when planned for. First, however, let us explain how we budget for unforeseen expenses using money and budget ideas. These steps to avoid budgeting disasters should assist you in anticipating and planning for the unexpected expenses that are now hurting your budget. Budgeting for irregular expenses like rent, monthly insurance premiums, or food is simple: just set aside money for each of them every month. But what about the cost of car servicing, which should be done every 3-5 months? What are you getting your parents and close friends for Christmas? Your youngster's music class has decided to take on the spur of the moment? Or how about the half-yearly medical insurance payment? These expenses fall into the category of "irregular" or "seasonal." These costs arise at various times of the year and, if not accounted for in particular months, might either drain your funds for the month or force you to borrow (credit card/loan). This increased debt can cause you to fall behind your financial goals for several months.

What are Unexpected Expenses

Irregular expenses don't happen every month and usually catch us by surprise. They can be bills or other things that make us spend more money than planned during the month. We usually don't think about them. Each odd expense can happen anywhere from 1 to 6 times a year. Some of these are events, special occasions, and bills that don't come monthly. Even though we know we have to pay them monthly, we often forget about them until we get the bill or see the upcoming event on our calendar. When we forget about them, they turn into unplanned expenses, which can mess with our minds when trying to stick to a budget because they often cause us to spend more than we planned during the month. Also, there's always some odd cost that comes up every month. So even if we think "reset the clock" when the months change, something new always gets in the way. But there is good news here. We just need to do a little planning, and we'll finally be able to stick to a budget. More to come on that.

Unexpected Expenses Examples

Here's a long list of irregular expenses that can affect your finances if not well planned. It's no surprise that budgets fail! There's always something going on! Read also, 10 Best Free Personal Finance Software (2022 Update) Home Maintenance - New home appliances, repair, or replacement - Furniture replacement and additions - Tree care and removal - General Home repairs - Bedding, linens, and kitchenware - Home maintenance (lawn care, pest control, etc.) - Homeowners' association dues - Garden expenses Holiday Expenses - Valentine's Day - Thanksgiving - Easter / Passover / Ramadan - Mother's Day - Halloween - Father's Day - Net Year/ Christmas Family Occasions & Kids Activities - Birthdays (for each family member) - Anniversary - Activity fees (sports leagues, gymnastics, dance, martial arts, music lessons, etc.) - Private school tuition - Back-to-school supplies & clothing - Spring break plans - Summer camp dues - Winter break plans - Car maintenance (oil change, etc.) Medical Expenses - Annual medical visits - Eye doctor visits - Vet bills - Dentist / Orthodontist - Prescriptions (non-monthly) Education Expenses Being in school, or having kids that are in school, gets expensive in a hurry. Here are some expenses that are likely to pop up: - Tuition bills - Class dues - Technology fees - School and office supplies - School pictures and yearbooks - Field trips - Testing fees Insurance Expenses Your insurance bills could come once a month, once a year, or four times a year. Plan for these costs in your budget, so the premiums don't catch you by surprise. Here are some types of insurance you might have and need to account for in your budget: The premium for homeowner's or renter's insurance: If you don't include this in your mortgage payment, like through an escrow account, or if you've already paid off your house, you'll need to make a plan to make sure you have the money when it's due. Irregular insurance expenses include: - Auto insurance premiums - Life insurance premiums - Disability insurance premiums - Health insurance premiums (if you buy your policy) - Vision insurance premiums (if you buy your policy) - Property tax - Dental insurance premiums (if you buy your policy) - Umbrella insurance premiums Other Irregular Expenses - Quarterly estimated taxes - Credit card annual fees - Amazon Prime Membership - Annual membership dues - Travel / Vacations - Charity / Annual Giving

Best Ways to Avoid Irregular Expenses Disaster

1. Create a Miscellaneous Category in Your Budget

Now is the time to add a "Miscellaneous" category to your budget if you don't already have one. No matter how regular your spending is, you will sometimes forget an expense or get a bill you didn't expect. There will always be unexpected spending, whether it's a once-a-year trip to the doctor, a new pair of glasses, or the once-a-quarter visit from the pest control company. By putting these unexpected expenses in a "catch-all" category, you can be sure that you have a place for them in your budget. You won't have to take money from other parts of your budget to pay for these costs. How Much Money Should You Set Aside from Unexpected Expenses? Generally, you should set aside between 1% and 5% of your monthly income for unexpected expenses. When deciding on this percentage, you should consider how consistent your monthly costs are and how well your budget works. For example, if you're new to budgeting and still working out the kinks in your spending, you might want to set aside about 5% of your monthly income for unexpected expenses. On the other hand, if your monthly expenditure is pretty stable and you have your budget down to a science, you might only give away 1% of your income. As with any financial choice, you need to consider your options and decide which is best for you.

2. Make Budgeting Adjustments In Order Of Priority

If unexpected expenses deplete your monthly budget, you may need to make some adjustments to recover the funds. But, before you make any significant changes, you must determine which areas you can withdraw funds from without jeopardizing your progress toward your financial goals. In other words, you should prioritize the categories from least important to most important. For example, whenever you need to make a budget change to cover an unforeseen expense, always start with spending on comfort items. Typically, this will cover the expense if you run out of money in this category. Usually, raiding your auto budget and then food budget does the job. You can usually find a few more dollars in your family or personal budget without slowing down your financial progress because you, for instance, can drive less and spend less on groceries. Related: 21 Ways To Make Budgeting Fun The primary goal of this exercise is to ensure that your monthly savings are only used as a last resort. Because saving and investing your money is the entire objective of living on a budget (i.e., your top priority), you should do everything possible to prevent taking money out of savings.

3. Use The Debit-Card-Only Rule

Organizing your expenditures is one of the easiest ways to avoid unexpected expenses. One of the best ways to accomplish this is to follow the debit-card-only rule. In other words, whatever money you spend must originate from your checking account. What Makes the Debit-Card-Only Rule So Effective? Because you only need to log in to one account to keep track of your spending. This makes budgeting extremely quick and straightforward. Furthermore, as all of your spending is routed through a single account, you'll reduce the possibility of an unexpected expense sliding through the cracks. We understand that this rule may appear harsh to some. However, from personal experience, you'd be surprised at how much easier this small financial habit can make your life.

4. Keep A Master List Of Your Unexpected Expenses

It's critical to keep a master list of your irregular spending, whether you keep it electronically or on good old-fashioned paper. Then, you may ensure that you don't overlook expenses when making your monthly budget. Items on your master list could include: - Annual doctor's visits - Appointments with the dentist - Car registration, insurance, and upkeep - Services for pest control - Lawn maintenance services - HOA fees (if applicable) Some of these fees may be incurred annually, quarterly, or on an as-needed basis. Regardless, you should consider all the unusual expenses you'll have to pay throughout the year. Then, add the expense to your master list, including the month it must be paid if possible. Additionally, add it to the list whenever you encounter an unusual expense that has slipped through the gaps. By keeping your unexpected expenses on a master list, you'll have a much easier time budgeting for them throughout the year. Related: 10 Simple Ways To Save Money (Tips For Any Budget!)

5. Be Selective With Automatic Payments

Bill automation is undoubtedly one of the easiest ways to make your financial life more manageable. But this can be a double-edged sword, especially if you set up autopay for a bill you don't pay monthly. Because of this, we only suggest setting up automatic payments for fixed, monthly bills. In other words, if you sign up for something that charges you more than once a month, you should pay for it yourself. Most of the time, services like these will send you an email to remind you that you have a payment coming up. This, in turn, will eliminate any financial surprises and make it much easier to plan a budget for unexpected expenses that don't happen every month.

6. Pay Up Your Consumer Debts

Getting rid of consumer debt is another way to make unexpected expenses easier to handle. For example, if you have a balance on your credit cards or other loans (like personal loans or student loans), the payments you make each month cut into your financial margin. The way Americans feel about debt is complicated. Americans are so deep in debt that they can't get out. More than 80% of American adults have too many obligations to pay off. Before the economy went down, all Americans could do was stay afloat in dangerous waters. But when the economy started to go down, many Americans lost their jobs, and those with the most debt went bankrupt or stopped paying their bills, which left them unable to take care of their families and meet their obligations. In the last five years, Americans' consumer debt reached $3 trillion, but it just recently passed $4.052 trillion. How Paying Consumer debt helps And if you have less money left over, it will be harder to pay for unexpected costs. Think about this: for every $500 you spend toward debt each month, you give up $6,000 in savings each year. That's a lot of money you could use to pay for unexpected expenses or put toward your savings and investments. Besides that, the more debt payments you have, the more financial obligations you have to keep track of. So when you pay off your consumer debt, you not only make room in your budget but also in your mind.

7. Budget With Your Spouse

There's no mistake about it: marriage complicates your financial condition. When two people are spending money from the same budget, it is much simpler for unexpected expenses to sneak up on you. As a result, attempt to budget with your spouse as regularly as possible. From creating your monthly budget to tracking your daily costs, the more you collaborate, the fewer financial surprises you'll face. Are you on a budget with your spouse? You can still have fun without breaking the bank. See these 40+ Fantastic Stay-at-Home Date Ideas to try at home.

8. Bolster Your Emergency Fund

Now is the time to start an emergency fund if you don't already have one. An emergency fund is a savings account used to pay for things like a car repair or a medical bill you didn't plan for. Your emergency fund should have enough money to cover your living costs for three to six months. This will ensure you have enough money to get by if you lose your job or have other significant financial problems. Emergency fund always comes in to handle unexpected expenses. Even though having an emergency fund won't wholly eliminate unexpected expenses, it will give you a safety net if you've used up all your other budgeting options. And in the long run, it will help you avoid going into debt to pay for large, unexpected bills. Financial experts disagree on how much people should save for unexpected costs. Still, most say that people should set up their paychecks to automatically put money into separate accounts that are only used for emergencies. Then, your savings will grow without you having to do anything, and the money won't get mixed up with the money in your other accounts.

9. Be Up-to-date with Your Daily Budget

Updating your budget daily is another excellent way to deal with irregular or unexpected expenses. I understand that this seems like a lot of work. But it is much easier to stick to a budget if you update it. When you update your budget daily, you get a picture of your finances right now. Updating your budget daily lets you quickly see where you might be spending too much and make changes to your spending. Also, if an unexpected expense comes up, you can make a plan for it right away in your budget.

10. Pay Yourself First And Last

One of the best pieces of advice paypant.com recommends about making a budget for unexpected expenses is to pay yourself first and last. In other words, make it a habit to put money away for savings and investments before you pay your bills. Also, at the end of the month, you should put any money you have left into savings after you've paid all your other bills. How Does Paying Yourself Help You Plan Your Budget for Unexpected Expenses? If you save first and last, you can put extra money into your "other" expense category instead of saving too much and making your budget too tight. Then, at the end of the month, if you haven't had any unexpected expenses or costs incurred, you just put that money into savings.

11. Take Out a Short-term Personal Loan

Getting a short-term personal loan from your bank can help you pay for a one-time expense you didn't plan for. Think about getting $100 to $1,000 in small loans that you can pay back in a reasonable amount of time. With these loans, you don't have to pay for something all at once. Instead, you can pay for it over several months. Carefully look over the terms of any loan agreement, especially the fees and interest rates you might have to pay. Depending on the lender, some of these could be pretty high.

What Kinds of Unexpected Expenses Should You Plan For?

Many things can cause unexpected costs. Some expenses come from using more heat and electricity, making emergency home repairs, and doing general winter cleanup. During the year, you might have to pay for things like: - Car repairs - Medical bills - Annual insurance premiums, Gifts - Special occasions - Sports fees, and - Costs to join activities. The list can seem almost endless. How Do Unexpected Expenses Affect Your Budget? Many Americans live paycheck to paycheck and don't have up to $250 to spare. So when an unexpected $1,000 bill comes, it would be too much for them to handle. However, if you plan, you can ensure you have money in the bank for unexpected costs. The first thing to remember is sudden expenses like medical emergencies or funeral travel. In contrast, others are irregular, like holiday travel or a monthly water bill. Start by building an emergency fund to plan for truly unexpected costs. You should save enough money to cover at least six months' bills. First, look at how much you spent in the last 12 months and determine your irregular costs. Then, save money throughout the year to be ready for them when they come up. Related: Signs You Don't Make Enough Money? Read the full article

How to Calculate Your Adjusted Gross Income

You must know your income while filing taxes, whether you are a small business owner, sole proprietor, or employee. Your income influences your tax rate and the amount you owe the IRS (or the amount of your tax refund). The IRS has several methods for determining income, each of which serves a particular purpose. The income tax you owe is calculated using your adjusted gross income. Keep reading to calculate adjusted gross income without needing a tax professional. Also, we will give you an example of a calculated AGI to learn with.

What Is My Adjusted Gross Income (AGI)?

Adjusted gross income (AGI) is the figure the IRS uses to determine your income tax liability for the year. It is computed by deducting from gross income various modifications, such as company expenses, student loan interest payments, and other expenses. Deductions are subtracted following the calculation of a taxpayer's AGI to determine taxable income.

What Is Adjusted Gross Income on Your W-2?”

We've heard this question before when taxpayers seek assistance with their taxes. Let's face it: tax terminology may be perplexing. When discussing revenue, various phrases sound similar but have different definitions and functions. Understanding these terms in greater depth can help us better comprehend what Adjusted Gross Income is and isn't.

Can You Find Adjusted Gross Income on Your W-2?

If you receive a salary, your employer will fill out a W-2 form to report your income and send it to you. In Box 1, you can find the total amount of "wages, tips, and other compensation" you got. It's important to remember that this is not your adjusted gross income. In Box 1 of your W-2 form, you can find the total amount of your taxable income from that job. It doesn't take into account some above-the-line deductions that are part of how your adjusted gross income is calculated. For instance, your total "wages, tips, and other compensation" don't include the money you pay for school tuition or interest on student loans. If you work part-time for more than one employer or change jobs throughout the year, you'll get more than one W-2 form (one for each employer). You may also have income sources that aren't listed on your W-2, like rent from your property. Read also, How to Change Your Credit Card Due Date

What is Your Gross Income?

Your gross income is the total amount of money, property, and the value of services you got from all sources. Before taxes are figured out, adjustments and deductions are taken out of the gross income. Some of the things that go into your gross income are: - Wages - Tips - Interest - Dividends - Rent - Pension income.

What is Your Taxable Income?

Taxable income is your AGI minus these three things: - The standard deduction or - Total itemized deductions, whichever is greater, and - The qualifying business income deduction, if applicable. Your taxable income determines tax brackets. Personal and dependent exemptions, which may have reduced your taxable income, were repealed from 2018 through 2025 due to the Tax Cuts and Jobs Act modifications.

How Do I Understand My Adjusted Gross Income?

According to the United States tax code, AGI is an adjustment to gross income. Gross income is the total amount of money earned in a given year, including: - Wages - Rental income - Capital gains - Retirement payments - Dividends - Interest income - Royalties - Alimony before taxes and other deductions. AGI makes various modifications to your gross income to arrive at the amount upon which your tax due is computed.

What Type of Income is adjusted Gross Income Calculated From?

The types and sources of incomes that Adjusted Gross Income can be calculated from include the following: - Unemployment benefits - Jobs. - Investments. - Farm income - Union strike benefits - Court judgment awards - Jury duty fees - Taxable refunds, credits, or offsets of state and local income taxes - Long-term disability benefits received prior to minimum retirement age - Security deposits and rental property income - Awards, prizes, gambling, lottery, and contest winnings - Back pay from labor discrimination lawsuits - Spousal support - Capital gains - Severance pay - Earnings partnerships, rental real estate, trusts, royalties, S corporations, and license payments - Social Security payments. - Pensions funds. - Businesses.

What are The Most Common Adjustments in Adjusted Gross Income

Adjustments to income are deductions that directly take money out of your total income. This is how your AGI is calculated. The types of adjustments you can deduct can change from year to year, but there are a few that always show up on tax returns. Here are some of the most common adjustments, along with the separate tax forms that are used to figure out some of them: - Alimony payments - Self-employment tax (the deductible portion) - Educator expenses - Armed services reservists, qualifying performing artists, fee-based state or local government officials, and employees with impairment-related work expenses (Form 2106) - Health Savings Account (HSA) deductions (Form 8889) - Early withdrawal penalties on savings - Half of the self-employment taxes you pay - alimony payments made to a former spouse (for agreements prior to 2019). - Contributions to certain retirement accounts (such as a traditional IRA) - Self-employed Simplified Employee Pension (SEP), Savings Incentive Match Plan for Employees of Small Employers (SIMPLE), and qualified plans - Self-employed health insurance deduction - Moving expenses for members of the armed forces (Form 3903) - Student loan interest deduction See also, Whole Life vs. Universal Life Insurance: Best Insurance for investing?

How To Calculate Adjusted Gross Income

Add up all of your income to get your gross income, then take out any adjustments and tax deductions that are above the line. Schedule 1 for Form 1040 gives detailed instructions on how to fill out your tax return, and any service that helps you do your taxes can walk you through this process. There are online tax calculators that can help you figure out how much you can deduct. When figuring out your AGI, you should also think about the above-the-line tax deductions. These could help you get the most money back or pay the least amount of tax. But there are limits to some tax breaks. For example, the most you can spend on student loan interest is $2,500, and the most you can spend on teacher expenses is $250.

How to Calculate Your Adjusted Gross Income Without Needing a Tax Professional

Step 1: Determine your income for the year and assemble all your Income statements (we have listed them in this article) Ensure you check the final pay stub of the year and the Form W2 (for your wages and salaries, anything listing your self-employment), Form 1099-B, Form 1099-S, Form 1099-INT, and Form 1099-DIV to check all your taxable income. Step 2: Add all the income amounts together. Do this by calculating the total amount of money you've earned over the course of a year. Include any bonuses you've earned or anticipate receiving. The math becomes a lot simpler if you're paid on a yearly basis. It's possible to use your hourly wage multiplied by the number of weeks you worked to figure this out, but it's also possible to use your check as a guide. Your annual wage will be determined by this calculation. It's a good idea to include your spouse's annual income and bonuses on your joint tax return if you're married. Step 3: Deduct all the income that is not taxed from that number. Here are the incomes you can deduct: - Benefits from workers' compensation - Child support payments - Proceeds from life insurance (unless the policy was turned over to you for a price) - Disability benefits - Gains on the sale of your primary residence - Money received as a gift or other assets inherited - Debts that were canceled as a gift to you - Grants for scholarships or fellowships - Payments for foster care - Transferring funds from one retirement account to another (as long as it was executed via a trustee-to-trustee transfer) Step 4: Subtract your deductions from your Annual Income. To arrive at your Adjusted Gross Income, you must first deduct these expenses. Multiplying by 12 gives you your yearly net income. Due to circumstances like surprise bonuses, unexpected overtime, and more, this amount is also subject to change. Any of the several, completely free AGI calculators available online can be used. See this Truebill Review: Can it Really Cut Your Bills Automatically

Sample Calculation of Adjustable Gross Income

AGI calculation example Jakee has calculated his annual income to be $100,000 after deducting his pay and benefits. He also pays $15,000 per month in alimony, $10,000 in business expenditures, and $12,000 in school tuition fees every year. He'd add 15,000, 10,000, and 20,000 to his annual deductions. This means that his deductions total $37,000. He'd then deduct this amount from his $100,000 annual income to arrive at an adjusted gross income of $63,000.

When Do You Need a Professional to Calculate Your AGI

If you don't have the time or experience to follow the IRS's instructions and undertake any necessary research, it may be more practical to hire a tax expert. Even if hiring a tax professional costs extra, the time and irritation you'll save by not attempting to work out the regulations on your own may make it well worth it. Tip* It's always a good idea to have a tax professional double-check your work, no matter how thorough you think you are. Add all sources of income together and remove any tax deductions from that total using the income tax calculator. Your AGI can even be zero or negative based on your tax status.

Using IRS Form 1040 To Calculate AGI

Your adjusted gross income may appear confusing, but the tax forms you fill out when completing your tax return will lead you through the process. The IRS Form 1040 contains lines for additional income and income adjustments, which you'll list on Schedule 1 once you've added up all your pay. You don't have to remember all the deductions that apply to your adjusted gross income because Schedule 1 has specific lines for each additional income or adjustment type. IRS Form 1040 Line 11 asks for your adjusted gross income, which is the result of adding up all of your earnings and deducting the adjustments.

How to increase your deductions

Itemized deductions are required if you have other personal deductions that are not included in the list (such as capital gains). For this, you'll need an IRS Schedule A. Many of these deductions are only deductible if and to the extent that they exceed a certain percentage of your adjusted gross income (AGI). As a result, the higher your AGI, the less deductions you can claim. Having your itemized deductions reduced is bad enough, but it might get worse. If your AGI reaches a specific threshold, many itemized deductions are reduced.

How Your AGI Affects Your Tax Filing

Your adjusted gross income affects how much you can cut your taxable income with deductions and credits. Think about how AGI affects medical and dental costs for taxpayers who itemize. People who itemize their taxes can only deduct medical and dental bills that are more than a certain percentage of their adjusted gross income. This limit will remain at 7.5% of your AGI for 2021. This means that you probably won't be able to deduct your medical and dental costs if they don't add up to more than 7.5% of your AGI. The amount you can deduct for tuition and donations to charity is also limited by your AGI. Most of the time, you can only deduct qualified charitable contributions you made up to 50% of your adjusted gross income (AGI). So, your AGI has a big impact on what deductions and credits you can claim and how much they are worth. If you live in a state that taxes income, your adjusted gross income is even more important. Many states start their state income tax calculations with your federal adjusted gross income (AGI). Good read: How To Apply for Your Recovery Rebate Credit in 2022

Adjusted Gross Income vs. Gross Income

Before you can figure out your adjusted gross income, you need to know how much you made in "gross income," which is the total amount on Form 1040, for the tax year you're filing. Before taxes, your gross income is all of the money you made from your paychecks. But it's not just the money you get from your job, it also includes money you get from other places. In addition to salaries, gross income can also include things like - Bonuses - Interest - Dividends - Long-term and short-term capital gains and losses - Alimony - Pensions and annuities - Rental property income - Royalties, and any money made from running a business. Also, if you sold anything on eBay, Craigslist, or another online store, you made money by making a profit. Gross income also includes: - Net gains from selling assets, like a house or car. - Money from self-employment, consultancy services, side jobs, and other sources. On the first few lines of Form 1040 and Part I of Schedule 1, you list all of these sources of income.

Bottom Line

Calculating your AGI is a crucial step toward finding out how much of your income is taxable. It can be pretty easy if you know what parts of your income make up the total amount. Some of these situations can be tricky, though, because tax laws and forms are always changing. It's a good idea to get help from an accountant or a good piece of tax software. Also, many financial advisors can help you plan your taxes and file them.

Frequently Asked Questions

Here are some frequently asked questions on Adjusted Gross Income Q: Is Adjusted Gross Income Before or After Taxes? Adjusted gross income is one way to look at how much money you made before taxes. After you figure out your AGI, you can use either the standard deduction or the total of your itemized deductions to figure out how much of your income is taxable. Q: What Reduces My Adjusted Gross Income? The lower your AGI, the more eligible adjustments to income you can claim. These include contributions to a 401k, interest on student loans, health insurance premiums if you're self-employed, and moving expenses if you're an active military member. Q: What is Tax-loss harvesting? Tax-loss harvesting is an additional method for reducing your AGI by reducing your gross income. The goal is to reduce your net capital gain by selling investments at a loss to offset those that have increased in value significantly (one of the items that make up your gross income). Therefore, if you had an annual loss of $10,000 and a gain of $18,000, only the difference ($8,000 capital gain) would be taxable. Q: What is my modified adjusted gross income (MAGI)? For the majority of taxpayers, modified adjusted gross income, or MAGI, is simply adjusted gross income before deducting student loan interest, according to the IRS. You may need to calculate your MAGI if you itemize on Form 1040 in order to claim certain deductions. It can also be used to calculate the phase-out level for certain tax credits and tax-saving strategies, and the MAGI formula varies depending on the tax benefit to which it applies. Q: How do I Find AGI if I E-File my Rax? If you use online tax software to file your returns, you will most likely be asked to provide your previous year's AGI as a verification step before submitting your returns. Line 11 of IRS forms 1040 and 1040-NR contains your AGI from the previous tax year. Even if you file electronically, it's a good idea to keep a copy of your tax return for future reference. Read the full article

What To Do With Garage Sale Leftovers: 5 Smart Options That'll Make You More Money

Garage sale season is in full swing. It's a fun season that enables you to sell out unwanted home items. It's an activity that enables you to sell your used home items for good cash. However, most of these items which are put up for sale aren't always sold. If you have no use for them, here are five things to do with your garage sale leftovers. These smart options will earn you cool cash.

Option 1: Sell online

When most people conduct a garage sale, they intend to get rid of items for meager cash. A garage sale is meant to sell all the items you no longer need. But it can be frustrating if you cannot get rid of some of them for money. Well, the good news is that you can still make money from leftover garage sales. So, you don't need to get all worried about what you'll do with items you no longer need that refuse to sell. In this post, we'll discuss the five smart choices you can make that will make you more money with garage sale leftovers. Then, you can choose from one of the below ideas and see if it solves your garage sale or yard sale problems. Sell Them On eBay eBay is an online marketplace place where you can sell old or unwanted items cluttering your home, garage, or attic. Since eBay was founded in 1995, it has maintained its status as one of the most popular e-commerce platforms in the world. So, it is one of the best places where you can sell your garage sale leftovers. eBay is more like an auction-based marketplace where you can sell used items and collectables, although it is also a place to sell brand-new items as well. The beauty of the site is the variety of options that awaits sellers: it allows you to list items at auction-style or fixed prices or use your product photography, add your descriptions and can sell practically anything. How To Join The eBay Marketplace On eBay, you can register for a personal or business account. To join the platform visit the eBay website, and in the top left of the menu, click "register" to create an account. The defaults to register a personal account, which is ideal for selling small amounts of items like the remainder of your garage items, for example. However, if you have to sell large quantities to sell regularly, you can opt for a business account. The next step is to choose a user ID that will be displayed to every user viewing your listings or interacting with you. So it's good to go with a professional user ID name that reflects the items you intend to sell. Furthermore, you'll need to set an automatic payment method. You can do this immediately after creating your user ID. You can choose between a checking account, PayPal, or a credit or debit card. eBay uses this payment method to charge you for fees relating to your seller activity, like buyer reimbursements. How To Sell Items on eBay Now that you've successfully created a seller account on eBay, you can list your first item. Log in to your account, and at the top right-hand corner, click "Sell" to get started. Then choose between the fixed-price or an auction method. With fixed-price items, you can set a fee for which products under this category will be displayed for a maximum of 30 days. On the other hand, the auction method allows several individuals to place bids on the same item, like an auction for a certain period, usually 3 to 10 days. However, items that appeal to a specific market but don't have a fixed retail price can also be auctioned, such as designer clothing or antique goods. By simply clicking the "Sell" button at the top right of the eBay page, you'll be able to create a new listing. And for eBay to fill your listing immediately, you will have to input a product ID or title. Then you can set the price of the item(s) and wait for buyers. Sell Them on Craigslist Another smart option to make money from garage sale leftovers is selling them on Craigslist! Craigslist is an online community where you can find, trade, or sell items and more. Posting items for sale on Craigslist is quite easy, and you can promote it in just minutes. Moreover, you don't need to create a Craigslist account to start selling your items. How To Sell On Craigslist As mentioned earlier, selling items on Craigslist is very easy. But to get started, visit the Craigslist website and confirm your location. Then click "create a posting" on the left side of the page. The company will ask you to choose the type of posting, which you'll probably choose "for sale by owner." Then you can select a category of the item you intend to sell. Remember to choose the category that best suits the item you want to sell. You can now go on to fill out the form page, where you describe your for-sale items. Selling items online is easier if you post good-quality, current photos. So take some pictures and add them to your listing using the "Add images" button. After you've uploaded and arranged the photos, click "done with images." And within a short period, you'll get a confirmation email from Craigslist asking you to confirm your posting; click the link to confirm. After that, your item ad will appear on Craigslist within 15 minutes. And when a buyer shows interest, Craigslist will notify you, and you can proceed with your leftover garage sale. Sell Them to Thrift Stores One of the easiest ways to do away with leftover garage sales is by selling them to a thrift store. Yes, the thrift store isn't just a place for buying items and reselling. You can as well sell secondhand items to them, and they'll pay you. However, before anything, it's best to do some research (both online and offline) and make a list of thrift stores in your area that will purchase used items. Then, contact the stores and inquire about their policies, rates, and the particular items they currently need. Many places may sort through your items during an appointment and give you immediate cash for the items they're interested in. Another idea is to take your garage sale leftovers to a local consignment store. They’ll choose which of your items to sell, and if they get purchased, the store will then reimburse you your percentage of the sale price. Generally, stores may charge you between 25% and 60% commission. Sell Them on Social Media If you want to avoid going through the stress of signing up for online marketplaces, you can consider selling your garage sale leftovers on your social media accounts. This is especially a great idea if you have lots of followers. It's almost identical to selling on a general e-commerce website, except that you'll sell to a more limited group of people. However, creativity and salesmanship skills are also essential in succeeding with this idea. Social media is a place for awesome pictures and posts; if you combine them well, you might finally get rid of those unwanted items. Many people sell secondhand items on social media platforms like Instagram by simply using compelling hashtags. And your followers will make their bids in the comments section below the posts. You can also sell your items on Facebook by joining different groups. To find groups related to your products, just search keywords in the search bar at the top of the page. Each Facebook group has an administrator and rules of the group, so make sure you study them before posting your item for sale in the group. Hold Another Yard Sale There's a possibility that your previous garage sale didn't sell some of the items due to the way you presented them. So the best thing to do at this point is to check for the mistakes you made last time and work on them. After all, it isn't a bad idea to try again. You may have probably presented the items in a way it only reveals the bad parts. How about displaying more of the good part this time? Although there are secondhand items, buyers can still get something from them. Show them this, and you'll be able to get rid of them this time. However, if the items are damaged and seem unsalable, try repairing and putting them up for sale again. Otherwise, you can consider reducing the prices of the items. People may be interested in buying them at a more affordable rate.

Option 2: Donate to Charity

Leftover garage sales items can be donated to charity. Donating to charity makes you eligible to get tax reductions. Here are some garage leftover items to donate to charity: - Clothes and accessories - Furniture and appliances - Books, CDs, DVDs, or video games - Linens, pots, pans, and cleaning supplies - Used electronics like cell phones, laptops, and tablets. - Unwanted household items like old pillows, blankets, and sheets - Toys .

Option 3: Take It To Recycle Redemption Centers

If you are left with electronic devices that aren't of use to you, you can take them to an electronic recycling redemption center. This center collects used electronic items for recycling purposes. Most electronics can be recycled, hence most redemption centers are willing to pay for your used electronics. Check with your local recycling center to know if they accept electronics.

Option 4: Turn It Into An Art

It's becoming trendy to turn old household items into an art pieces. Hence, if you have some leftover items from your garage sale, you can turn them into art. You can also donate it to art stores in need of items that can be crafted into a masterpiece.

Option 5: Sell to a Thrift Store

If you have a lot of leftover items after a garage sale, you can take them to a thrift store. Thrift stores are known for buying items at cheap rates. So if you have no use for an item, you can sell it for a very cheap price in any thrift store close to you. This is a viable way to make cash from items that are of no use to you. Before selling an item to a thrift store, here are some things to do: - Make sure that the item is in good condition. - Place a realistic price that is suitable for the item. - Package it in a good manner before going to a thrift store.

Frequently Asked Questions.

How Do You Attract People To A Garage Sale? The best way to attract people to your garage sale is to display plenty of items. Buyers will typically ignore a sale with only a few items. But if you don't have enough to fill your yard, you can ask your neighbours to join in. Otherwise, you can try a multi-family sale to attract more people. What Do I Do If Items Refuse To Sale At Garage Sale? You can consider repackaging the items and attractively displaying them. Another idea is to inform people about your garage sale and schedule it for the weekend when probably most of them are at home. If these ideas do not work, then consider selling your items to e-commerce platforms like eBay and Craigslist. What Day Is Best For Garage Sale? Weekends (Friday, Saturday, and Sunday( mornings are generally the best time to make your garage sale. You can also consider scheduling the sales on the first weekend of the month; this is great because a lot of people get paychecks end of the month, which means they'll have the cash to spend.

Bottom Line

There's hope for every item that isn't sold off during a garage sale. And as seen above, there are several ways you can make cash with leftover garage sale items. Read the full article

Slidejoy App Review: Scam or Legit Way to Get Paid to Unlock Your Phone?

The internet constantly provides different ways to make money online. And the best thing about most of these opportunities is their ease of making money. Slidejoy presents one of the simplest ways to make money on the internet. You can earn by simply unlocking your phone! Yeah, it may sound too good to be true, but you'll learn more about this opportunity in this Slidejoy app review. First, however, the basic rule is that you'll have to watch ads from the app to earn. So once you unlock your phone, expect ads to pop up. However, people are still concerned about whether the Slidejoy app is legit. Therefore, in this post, we'll also discuss if the Slidejoy app is a scam or a legit way to get paid to unlock your phone.

What is Slidejoy All About?

SlideJoy is a mobile app that allows users to make money by viewing sponsored ads. It's a lock screen app where you can earn rewards each time you unlock your phone and let the ads run in the background. So with the app installed on your phones, the providers earn for displaying sponsored ads, and you earn from seeing them. However, Slidejoy rewards you with their in-app currency called Carats which you can redeem for cash. Brands and business owners pay SlideJoy for ads, and they, in turn, engage people about their products. Their ads and promos will be visible once you unlock your phone. Then you can choose to view the full information or decide to precede your home screen by skipping the ad. You don't have to do anything specific, simply install the app and allow the ads to run. Then, you can swipe right to proceed to your home screen or left to view the full content of the ads. Related article: TaskRabbit Review: Is it A Good Option to Make Money?

Slidejoy Review: Getting Started

To start earning from Slidejoy, you'll need to download the app here. Then sign up using your email or Facebook account. The registration is simple and free! After signing in, you'll get 20 Carats as a sign-up bonus. Ensure you allow the app to access certain features on your phone as requested. After signing in successfully, your phone will get a new unlock screen from Slidejoy. You'll need to swipe right to return to your device or left to view the detailed ad. Then, you can start unlocking your phone to earn more Carats. The moment you unlock your phone, an ad or a story will pop up. If the ad interests you, you can learn more by clicking or directly going to your device by swiping left. Note that you don't have to click the ad to earn; rather, viewing the ad alone will earn you some Carats. But, if you wish to ignore the ad, swipe right. You can also swipe up to see trending lists and entertaining stories.

How Do You Make Money on Slidejoy?

For each time you view an ad on your lock screen, you'll earn points known as Carats. Each carat is worth $0.001, meaning you have to accumulate 1,000 carats to make $1. And once you have enough carats on your Slidejoy account, you can redeem them. Furthermore, you'll have to use your phone normally if you want to earn more money from the app. Locking and unlocking your mobile device too often to viewers and earning more carats won't cut it. You'll get relevant and high-paying ads when you use your phone normally. So, it's advisable not to try to cheat the system. Likewise, if you're thinking of increasing your earnings by clicking on displayed ads, then you should change your thinking; because it won't pay you for interacting with the ads. Aside from viewing ads, SlideJoy also allows users to earn money by completing tasks like installing apps, completing surveys, and creating accounts on the advertiser’s website. You can access this feature by visiting the Offers tab on your lock screen. Also available on the Offers tab is a Scratch game, where you can play and earn more Carats. You can earn between 100-500 Carats. However, the amount of Carats you'll earn depends on the available offer at that particular time.

SlideJoy Methods Of Payment

When creating your account, SlideJoy will provide you with two different modes: Hero mode and Normal mode. However, you can always change the 'mode' later. If you choose the Hero mode, all your earnings will be donated to charity automatically. On the other hand, if you choose the Normal mode, you'll receive your earnings via Paypal. Typically, payments are made on the 15th of every month, but new users will have to wait about three months before they can start cashing out. The minimum withdrawal threshold is $2 or 2000 carats. Also, know that you can redeem your carats with Amazon gift cards, Visa Prepaid Cards, or Walmart Gift cards.

What Are The Requirements For Joining Slidejoy?

Slidejoy is not available worldwide, so you must be in the US to be able to use the app. However, it is also available in some parts of the United Kingdom and Switzerland. Slidejoy's eligibility status isn't available on their terms and conditions, per se. So, if it is available to download in your location, then you are eligible to join. Similarly, they did not mention any specific age requirement to become a member. But seeing as it uses PayPal as a payment method, you must be at least 18 years old to receive payment via PayPal. It's the minimum age requirement to create a PayPal account. Also, note that Slidejoy reserves every right to delete carats of inactive accounts of over three months. Therefore, you need to ensure that you have your lock screen enabled at all times to avoid this.

SlideJoy Review: Pros and Cons

One of the features you can enjoy using Slidejoy is the quality design made with easy-to-use tools for interacting with the ads and unlocking your phone. Apart from this, here are other advantages of Slidejoy. - Free to download and easy to use. - Great opportunity to earn from your lock screen. - Presents an easier way to view notifications on your lock screen while receiving rewards. - Has other opportunities to earn, such as surveys, installing apps, and so on. - Pays with PayPal, Amazon gift card, Visa Prepaid Card, and/or Walmart Gift Card. However, despite some of these amazing features, Slidejoy still has its drawbacks. Here are some of the cons of Slidejoy. - Only available in the US; you cannot use it outside. - Sometimes the app can cause some bugs which affect the performance of your phone. - Not ideal for unlocking the phone during an emergency.

Slidejoy Review: Is Slidejoy Legit?

Judging from the review above and user testimonials, we can conclude that Slidejoy is not a scam! You can install it on your phone and make some extra money simply by viewing ads. Otherwise, you can donate your earnings to charity through the app. SlideJoy was founded in 2014 by Pyungwoo Yoo, Robert Seo, and Sanghoon Kwak. Its headquarters is situated in the Greater New York Area, East Coast, Northeastern United States. However, the platform was obtained by a lock screen advertising network known as Buzzvil. SlideJoy and Buzzvil serve a whopping five billion ad impressions per month. It has been featured on several media such as Fox, Wall Street Journal, Business Insider, Today Show, TechCrunch, CNBC, and so on! Furthermore, the app has more than one million downloads on Android PlayStore and has been rated with 4.3 stars by ninety-four thousand people.

How Does Slidejoy Work?

Slidejoy displays trending news, promos, and ads on your phone's lock screen. And in return, you'll get paid for viewing this content. The app rewards you with points known as Carats. Now, you don't need to do anything other than allow the app to display ads and news on your phone's lock screen.

How Much Does Slidejoy Pay?

You can expect to make anywhere from $5 – 15 dollars monthly by unlocking your phone with Slidejoy. However, the amount you make depends on when you start using the app. So don't expect to make a huge sum when you just recently downloaded the app. Also, know that you won't be given extra rewards for clicking the ads.

How Do I Withdraw Money From Slidejoy?

Your earnings on Slidejoy are sent to your PayPal account. So once you've accumulated the minimum Carets threshold (2000 carats), you can then request for withdrawal. Slidejoy usually pays on the 15th of every month. Know that you can also donate your earnings to charity. Other payment methods Slidejoy uses include Amazon gift cards, Visa prepaid cards, and Walmart Gift cards.

Is Slidejoy Real or Fake?

Slidejoy is a legit mobile app that allows you to earn by unlocking your phone. It is easy to earn extra cash, but you'll not earn a lot from SlidejoyApp. So make sure also to leverage other apps with more opportunities. Pyungwoo Yoo, Robert Seo, and Sanghoon Kwak own and founded the app. Final thoughts Slidejoy is legit and pays users as at when I was writing this article. Nevertheless, even though the app pays, you won't make a fortune from it. So use Slidejoy app if you need some little extra bucks here and there. Read the full article

This Genius Money Saving Hack Will Earn You (5x) More Cashback & Saving

Every season of the year, you spend money shopping! At the end of each month, it is estimated that you spend not less than $1700. But do you know you can recover double the amount you spend shopping online by adopting some genius money-saving hack that will earn you more cashback and saving? To save on their online shopping, most people adopt coupon doubling– utilizing store-specific and product coupons to maximize savings. This article has outlined the best shopping tips that can earn you a lot of cashback on your spending This article doesn't talk about coupon doubling. Rather, it reveals a genius money hack that employs the same method used in coupon doubling. But this method is far more significant and offers a better beneficial outcome than coupon doubling. Related: 30 Best Cashback Rebate Sites for 2022 (Don't Shop Without #1!)

Genius Money-Saving Hacks

1. Join the Microsoft Rewards Program.

Microsoft reward program is a reward/loyalty program for Microsoft's Bing search engine. It compensates you for using the Bing search console rather than Google. But what does this have to do with saving money? When shopping, you can use the Bing search console and be rewarded. You can earn points for every inquiry you make on Bing. These points can be converted to cash or gift cards.

2. Get a Deal on Gift Cards

Before purchasing online stores, you can check out for best places to get discounted gift cards. With this discount, you can save money on every item you buy. For example, some stores offer gift cards with a 90% discount. Buying and using these gift cards to make purchases will save you tons of money.

3. Get a Reward Credit Card

A reward Credit Card is a credit card that gives you cashback & rewards for your purchases when using your credit card. This is a simple way to obtain a 1% – 5% discount on every transaction you make. The following are some of the best Rewards Credit Cards: Discover it® – Cashback Match: This credit card enables you to earn 5% money back on Amazon and Target purchases that exceed $1,500. Each quarter you activate Chase Freedom®, you receive 1% unlimited cashback on all purchases and 5% cash back on purchases that exceed $1,500 in the total bonus category. Obtain Exclusive Discounts Another genius hack that saves money is promotional codes, coupons, special offers, and discounts. Some mobile coupon apps enable you to find coupons for any type of product easily. The following are some of the most popular coupon websites: - Coupons.com - RetailMeNot - SmartSource Using coupons saves you cash on your purchases.

4. Join a Cashback Website

You could join an online shopping portal. Rakuten is legit and an example of an online shopping portal that gives you cash back for every dollar you spend through it, no matter how much you spend. When you sign up for Rakuten, you can get a bonus. From there, you can get up to 10% cash back at stores like Macys.com, Overstock.com and PetSmart.com are part of the program. The stores that take part and the rates at which you earn points change constantly, so it's always a good idea to check with Rakuten before buying something online. You can also check out TopCashback, Swagbucks, and Ibotta, which are all similar cashback portals. Ibotta is particularly popular because it includes an app that lets you earn cashback whether you shop online or in participating brick-and-mortar stores The internet has countless cashback sites that give you 1% to 10% of your online purchases. The following are some of the best cashback sites on the internet: - Rakuten - Swagbucks - Mr. Rebates Stack Hack in 5 Steps It's time to go shopping now that you've got everything in order. To optimize your savings and rewards, you'll need to put what you've just learned together. Here's how to do it: - Step one: Research cashback sites (Do this on Bing to get extra points). Also, conduct all your online shopping on Bing. - Step two: Visit your favorite cashback shopping website and create an account. And go to the buying portal and purchase items. (Do this on Bing Search Console). - Step three: Browse & search for products to purchase. - Step four: Enter coupons/promo codes during payments. - Step five: Use gift cards or pay with your reward credit or debit card when paying for items.

5. Take Advantage of Store Price Matching.

Back-to-school shopping can be costly. Not only do you need to buy school supplies, but your children have probably outgrown a lot of their clothing. Furthermore, your grocery bill fluctuates because you may buy different foods for breakfast and lunch based on convenience and your family's routine. If you're in the market for new clothes or shoes, consider taking advantage of your state's tax-free weekend if one hasn't already passed. Shopping at stores that price match can also be beneficial, especially if you can shop at stores closer to you and benefit from better pricing. Remember that some stores' price matching extends beyond the date of purchase. For example, Target price match policy has a 14-day price match policy, so keep those receipts.

6. Shop Retailers Who Offer Lifetime Warranties or Excellent Replacement Policies.

One way to save that many people overlook is to shop at stores with excellent replacement policies and, in some cases, a lifetime warranty on their clothing. This category includes brands such as Jansport, L.L. Bean, and Cat and Jack. At first glance, the prices appear to be higher, but when you consider that you won't have to buy them again for a while due to the high quality, you actually save money in the long run. Buying the more expensive, longer-lasting items may be worthwhile, especially if your children are older or you have children to whom you can pass clothing down."

7. Shop at Estate Sales, Flea Markets, or vintage Stores.

There are numerous ways to remain social and enjoy a common interest without breaking the bank. Simply consider the most expensive element in your usual activities and recreate it on your own for a less expensive but no less enjoyable experience. If you usually go out for brunch on weekends, pick a favorite brunch dish or two and make it together at home instead of going out. If you enjoy shopping together, look for estate sales and opt for a second-hand experience rather than going to department stores. Sites like Poshmark is worth it for second-hand clothes. You'll be saving money while also helping the environment!"

8. Pay for Everything With your Credit Card

A final way to maximize your cash back is to use a cashback credit card for everything possible. This includes daily expenses such as groceries and gas, but you should also focus on monthly bills such as utilities, insurance, rent, and other large monthly expenses. Some people can even pay for daycare or college tuition with a credit card without incurring any additional fees, so this is also worth investigating. If you don't want to keep track of bonus categories, the best option is a credit card with a flat reward rate on all purchases. For example, the Wells Fargo Active Cash® Card earns 2% cash back on all purchases and comes with a good welcome bonus offer: After spending $1,000 in purchases within the first three months of account opening, you will receive a $200 cash rewards bonus. Take Advantage of your Credit Cards There's also the Citi® Double Cash Card, which earns 1 point per dollar spent (worth 1% cash back) and 1 point per dollar spent (worth 1% cash back) when you pay it off. However, no welcome bonus is currently available to new cardholders. You'll earn significantly more cash back if you use a cashback card for most purchases, but you should never charge more to a credit card than you can pay off. The key to using rewards credit cards responsibly is to treat them like debit cards and not to use them as an excuse to overspend. You'll earn significantly more cash back if you use a cashback card for most purchases, but you should never charge more to a credit card than you can pay off. The key to using rewards credit cards responsibly is to treat them like debit cards and not to use them as an excuse to overspend.

9. Register Your Credit Card With a Cashback App

Some cashback apps award you more cashback when you register your credit card. Dosh is a good option in this space, and Drop full review shows that it is worth registering your credit card with. You'll sign up for a free account with either app and connect your cards. Then, when you use a connected credit card to shop at a participating store, you'll automatically earn cash back in your rewards account. You may also earn more bonus rewards with special in-app offers. With Dosh, you can transfer rewards to your bank, Paypal, or Venmo once you've racked up at least $25. Redemptions with Drop also start at $25, and you can redeem your rewards at places like Amazon.com, Starbucks, and Netflix.

Other Genius Money-Saving Hack

Begin Your $5 Savings Plan How often do you encounter a $5 bill? This could be one of the ways to make budgeting fun. If you use cash, you probably have it with you most of the time. So begin the $5 Savings Plan by saving any $5 bill you come across. Put a $5 bill in a jar, a box, or even a cute piggy bank every time you get one. Keeping Up With Kelsey's Kelsey saved $200 in five months! How much do you believe you can save? Set up a Coupon Browser Extension Coupon browser extensions are frequently overlooked but are easy and legal ways to save money. Here's the deal: no matter how hard you try to avoid unnecessary purchases, there will always be things you need to buy. Coupon browser extensions such as Capital One Shopping and Honey can assist you in finding incredible deals on items you would have purchased anyway. And the savings are automatic once you install the extension. Save Spare Change When paying with cash, you almost always get change back with each purchase. Saving your change instead of spending it is a great way to save money. Put your spare change in a jar after every purchase. Make it in a jar with a narrow neck so you won't be tempted to use it after you've placed it in your jar. You can even get a change jar that counts your coins! If you fill a 2 liter with dimes, you should reach nearly $700! Imagine how much money you could save if you were saving more than dimes! Make use of a Cash Envelope System.

If you're familiar with budgeting, you've probably heard of the envelope system. The envelope system is an excellent method for saving money and budgeting where your money goes. It works by allocating a specific amount of money to one category, for instance, groceries. When you shop for groceries, the only money you can spend is in your envelope. You cannot use your debit card to commit fraud. As a result, if you only have a limited amount of money to spend, getting one of the best cash envelope system wallets will make you more selective in your purchases and avoid overspending. Automate Your Savings It can be excruciating to manually transfer funds from your checking account to your savings account and watch the balance decrease. It can be so unpleasant that you may decide not to save. Consider changing your paycheck's direct deposit to deposit a portion into a separate savings account automatically by putting your savings money on autopilot. Then, you won't miss the money if you automate your savings because you won't see it. You can also set up automatic monthly withdrawals from your checking account to savings. Purchase Dollar Store Goods Why spend a fortune at Walmart or Target when you can get cleaning supplies, medicines, food, and toiletries for a fraction of the price at the Dollar Store? Ziplock baggies, glass cleaner, and "Totally Awesome Cleaner" are among my favorite Dollar Store purchases. Pick Up Small Jobs and Beat Your Salary Savings can be a little bit harder when you have a full plate. Fortunately, there are numerous opportunities with other companies to do small amounts of work when you have free time. You can check out weekend jobs to make extra money. Uber, Skipthedishes, and Door Dash allow you to work whenever you want, without regard for schedules or appointment times. Simply launch the app and work for as long as you want. You can create a profile and set your price on the Rover app so potential customers can find someone to walk their dog, check on pets, or even have you stay the night to care for the animals. This type of job requires a greater time commitment, but it can be a lucrative way to earn money. Unlike starting your own business, the company will handle most of the details for you — in exchange for a percentage of your earnings. However, you will not be responsible for marketing, website development, or payment processing. For a busy parent, all of this may be worthwhile. Are you Good at Something? Then, Get Paid To Do It. Never do something for free if you're good at it. Maybe you like knitting or drawing. Perhaps you're just good at cleaning or enjoy taking long walks. Turning skills and hobbies into side businesses is an excellent income supplement. In addition, people adore handcrafted items, especially during the holidays. Marketing your items on social media as handmade and local is a smart way to get your name out there. However, you do not need to be crafty to start a business. Walking dogs for money, babysitting, and cleaning houses are all ways to contribute to your budget while doing something you enjoy. Related: 16 Best Cashback Rebate Sites for 2022

Bottom Line

If you want to get more money back from what you spend, you should know all the tips and tricks to help you make more money without putting in too much extra work. There are many ways to get cash back on regular purchases and monthly bills, and not all require a credit card. Still, you can often "double-dip" on rewards if you have a cashback credit card. For example, you might get a welcome bonus and other perks just for having the card. In fact, one of the best ways to save money when you shop is to combine credit card rewards with online deals. Also, if you spend more on holiday shopping this year, you can use that to get a card's welcome bonus.

Frequently Asked Questions

Q: How can I save money immediately You can save money immediately by Cancelling unnecessary spending immediately, signing up for a rewards program, and automating your savings. Q: What gives cashback? Most of the time, it's a credit card perk that gives the cardholder back a small percentage of each purchase over a certain amount. Cashback is also used to describe a debit card transaction in which the cardholder gets cash back on an investment, usually a small amount more than the cost of the item. Q: Can I get Travel rewards with cashback? Some credit cards, such as the Chase Freedom Unlimited®, let you use your cashback rewards to pay for travel. But not every card has this benefit. This isn't bad for people who stay close to home since they don't use travel rewards very often, if at all. But if you travel a lot, you might want to look into credit cards made for travelers and offer rewards that fit your needs. Read the full article

12 Ways to Get Fast Cash for Used Games, Books, CDs, DVDs & BlueRay

DVDs, CDs, and Blu-ray discs are losing their popularity. MP3 devices and streaming services are replacing them. So, if you have tons of CDs and DVDs lying around, it could be difficult to sell them off since not many people are willing to buy them. However, some sites accept secondhand DVDs, CDs, and Blu-ray discs. If you want to sell and get cash for these items, here are sites that accept them.

Ways To Get Fast Cash For Used Games, Books, CDs, DVDs BlueRay

1. The Eagle Saver Eagle Savers is a reliable website that buys secondhand DVDs, CDs, Blu-rays, games, and books. It is similar to Declutter, but unlike Declutter, Eagle Saver allows you to sell movies and TV shows. Simply log into Eagle Saver's official site and choose the type of DVD or CD you want to sell. Input the UPC number of your CD, and ship your item to Eagle Saver. Shipping is free! Once your item is received, it'll be analyzed. You'll be paid the next day through paper check or PayPal if accepted. However, if your item does not meet the standard, Eagle Saver will reimburse the cost of return postage. 2. Decluttr

As the name suggests, Declutter is a website that buys and sells tech products such as computers, mobile phones, video gaming consoles, textbooks, CDs, DVDs, and Blu-rays. To sell your item on Declutter, visit the official site and enter your tech device's exact model and condition. If it is a DVD, enter the barcode of the DVD into the website. Once you input this data, Declutter will give you the monetary value of your item. If you agree with the price, request a label from Declutter and deliver the item together with the label to the closest Declutter retail store. Once your item arrives at their location in good condition, you will receive payments through PayPal or direct deposit. Another Interesting Article: 21 Places To Easily Sell Your Used Electronics: Helpful Tips 3. Bonavendi Bonavendi is a unique platform that enables you to discover the price of an item. If you plan on selling your books, CDs, DVDs, Blu-ray, or games, this platform allows you to find out, compare, and decide on the price. Bonavendi also allows the sale of secondhand items like CDs, video games, and books on its platform. The process of selling secondhand items on Bonavendi is unique and different. Here's a step-by-step guide: Enter the item you want to sell into the "price search" section. Use the "bulk compare" search engine if the item comes in bulk. Once you input the item into the search engine, a list of the best buyers for the item will be shown on the screen. Choose a deal that fits your criteria, and follow the shipping process. Once the buyer receives your item, you will paid. This process takes a few days. 4. eBay

eBay is among the best places to sell secondhand items like books, Blu-rays, and computer games. The site is free and has everything you need to become a trader. Set up an account on the site to sell your used or new item on eBay. Register with your email, create a user ID, and include a payment method. Once the registration process is completed, the next step is to list your item for sale with the listing tools available on the site. On eBay, you can sell an item through auction or normal sale. With the auction style, customers will place bids for your item until you choose the best price - this sales style is suitable for items whose price cannot be determined. If you decide on selling through the normal process, set a fixed price for your item, set a listing duration, and pick a shipping option. Another Interesting Article: 10 Most Profitable Items To Scrap For Cash (Found Around Your House!) 5. Garage Sales or Physical Meetups Hosting a garage sale is a good old-fashioned way to sell your used DVDs, CDs, Blu-rays, and video games. However, it is not as easy as it seems. To host a successful garage sale, sort out your items and pick only those in good condition. In addition, it is recommended that you host it on a Friday, Saturday, or Sunday. If you do not have enough items for sale and are worried about having a scanty table, you can co-host the garage sales with a family member or friend. Suppose you do not have the time to host a garage sale, meet up with your friends and family, and inform them of your plans to sell your items. They could recommend you to someone who wishes to buy your secondhand items. 6. Craigslist Craigslist is another great platform for selling secondhand DVDs and other items of your choice. The platform makes finding and connecting with people in your local area easy. Here's a guide on how to sell at Craiglist: - Log into the site and choose the city you reside in. This is important as it helps Craiglist find people in your area needing the product you have for sale. - Once you pick a city, proceed to choose a type of posting. If you own a store that sells secondhand DVDs or CDs, select the "By Dealer" option. If you're selling what you no longer need, pick the "By Owner" option. - Proceed to categorize your item, describe it, double-check your location, upload a photo of the item, and publish the post. If you get a buyer for the item, decide on a public location for a meetup. Once you meet up with them at a predetermined location, you can get your payment in cash. Listing an item for sale on Craigslist is free. The platform also lets you retain 100% of the profits. 7. Facebook Marketplace Facebook is home to over two billion active monthly users. Thus, it's a huge marketplace for anyone hoping to sell their secondhand products. If you have a Facebook account where you interact with friends and mutuals, you can post about wanting to sell your used games and CDs. In this way, you will easily find a buyer. The platform also has a marketplace section that lets you advertise and sell any product to people who live in your city. If you post on the Facebook marketplace and run ads on the post, you'll easily find buyers who reside in your city. Another Interesting Article: 7 Best Sites Like Amazon (Some Better & Cheaper!) 8. Amazon

Amazon is one of the world's largest online retail stores, with over three hundred million active users. It offers a platform where users can list new and secondhand items for sale. Creating a seller's account on Amazon is free; however, Amazon charges a certain percentage for each item you sell. Here's a quick guide on how to sell on Amazon: - Register a Seller's Account: During the registration process, you'll be required to choose between an individual seller's account or a professional account. - During registration, include your credit card information, tax information, national ID, phone number, and bank account. - Once registration is complete, list your item for sale, include images of the product, make a product description, and include your selling price. As a seller on Amazon, you will be burdened with subscription, shipping, selling, and FBA fees. Take note of these fees before creating a seller's account. 9. FYE (SecondSpin) FYE is one of the leading retailers of secondhand DVDs, Blu-rays, CDs, and pop culture merchandise in the US It used to be one of the best places to sell used CDs and games; however, the website no longer accepts used items. But you can sell your item to any of its physical stores. SecondSpin, the sister site of FYE, allows you to sell your secondhand items online. Here's a guide on how to sell on SecondSpin: - Log into the site and scan the barcode at the back of your video game, CD, or DVD. - Once scanning is completed, you'll receive a price quotation for your item. - If you're satisfied with the price quotation, print out the shipping label, package the item, and ship it to any SecondSpin physical store. Shipping is free. - Once the item reaches the physical store, you will receive payments within 24 hours. FYE and SecondSpin only accept items that are in good condition. You'll be paid less if your discs have writings or stickers on them. 10. Secondhand Stores

One of the best ways to sell your used items is by visiting stores that specialize in the sales of that item. If you want to sell your old books, visit bookstores; if you want to do away with your video games, CDs, and DVDs, visit a store that sells the item. There's a high chance that they accept and sell secondhand products. Selling your used items to physical stores near you gives you control over the sales price of your used item. Most online stores analyze an item and provide a fixed price, leaving you with no space for debate. However, if you visit a physical store, you can be involved in deciding on your item's price. Another Interesting Article: 6 Ways to Make Money Playing Games Even If You're Not an Avid Gamer 11. CeX If you reside in the UK, CeX is one of the best places to sell your used CDs and DVDs. It has been in business longer than Amazon; thus, it is reliable. The CeX website accepts any type of media. So, if you have any used electronics, books, video games, Blu-rays, and CDs, you can sell them on the platform. To sell your used item to CeX, visit any of their physical stores closest to you. Go to the "Drop & Go" service section and present your item for sale at the counter. The item will be analyzed and tested. If your item passes the test stage, you will receive payment via PayPal, check, bank deposit, or voucher, depending on your choice. 12. GameXchange: Games (UK Based) GameXchange is a great platform to sell your used video games and consoles. It also accepts used tech products, smartphones, toys, collectibles, movies, trading cards, and more. Here's a guide on how to sell your used items on GameXchange: - Visit the GameXchange official sales website and use the search option to find the item you want to sell. GameXchange has a list of all the items they accept. - Select the item you want to sell, and choose a description that fits the item's condition. Proceed to click the "Get Cash" button. If you have more than one item to sell, do this process for all the items. - Once you complete steps one and two for all your items, navigate to the top right and click on the red basket menu in order to be directed to the check-in page. - Complete the check-in process, print the Royal Mail label, attach it to your packaged item, and ship it. - Once your item is received, you will be paid. Payment occurs within two to three days. GameXchange also allows trade-ins. However, this option is only available to people residing in the operational GameXchange locations in the Southern/Midwestern United States.

Conclusion

Although CDs, DVDs, and Blu-rays are no longer in popularity, you can still sell off your used ones. Visit any of the sites in this article, read their terms and conditions, and initiate sales on them.

Frequently Asked Questions on CDs, DVDs, and Blu-Rays

Are Blu-Ray Discs Worth Money Yes! Blu-ray discs are worth the money. However, the amount it is worth depends on how rare the discs are. To discover the value of your Blu-ray discs, visit the Declutter website and input the barcode of the discs into the website. Who Pays the Most for Used Blu-Rays? Declutter is well-known for offering better prices for used CDs, DVDs, and Blu-rays. However, you can sell your used items at your desired price on Amazon, eBay, or Facebook marketplace. Can I Sell Games For Cash Yes! You can sell games for cash. Websites like GameXchange, Gameflip, and GameStop accept and pay for any type of game. Read the full article

13 Reasons To Track Your Expenses And Control Your Spending

Do you know what happens to your money each month? Unless you keep track of what you spend, likely, you don't. Hence, we have outlined these 13 Undeniable Reasons Why You Should Track Your Expenses and control your spending. Even if you have a general idea of what you do with your money and know your big monthly bills, it can be hard to get a clear picture of how your money is spent every day until you start keeping track of your expenses and controlling your spending. The responsibility of taking care of our own money doesn't start when we get a job. It starts much earlier, for some when they go to college and others even earlier. If you don't learn how to handle your money when you're young, it may be harder to get into good money habits when you get a job or start your own business. The worst part is that you may be working and earning, but inadequate tracking of your expenses can have you constantly feeling like you don't make enough money. It isn't about you not making enough money; it's about not managing the amount you make to stay financially afloat. Related: 30 Budget Busters That Will Hinder Your Savings

Why You Should Track your Spending

If you are always in debt, you don't pay enough attention to how you spend your money. It's important to keep track of your spending, so you don't have a bad financial situation. In a month, people buy a lot of different items. It could be something as simple as a pack of gum, a newspaper, an ice cream, or even clothes and other things for the house. When you add up all of your purchases at the end of the month, you may find that you made more than 50 purchases in just one month. At that rate, spending more than you make is easy if you don't track your spending. The easiest way to go bankrupt is not to keep track of your spending. This saying says everything you need to know about how important it is to keep track of your spending. If you're still debating whether or not to keep track of your expenses, consider the following: - 56% of Americans have less than $1000 in their bank accounts, with a quarter having less than $100. - Almost one-third of British and 50% of Australian workers are on a fixed income. - Sixty percent of Americans cannot meet unexpected expenses, but only one-third have created a thorough home budget. - Unnecessary purchases are blamed for 44% of higher-income Americans living paycheck to paycheck. These are difficult figures to take, but they are accurate. Of course, many people are just in difficult conditions, making it difficult for them to gain control of their finances. For the rest, it boils down to poor financial planning. If you're broke by the end of the month, haven't met your financial goals, or are simply unclear where all your money has gone, we have two words for you: track costs.

13 Undeniable Reasons Why You Should Track Your Expenses And Control Your Spending

1. Tracking Your Expenses Helps You Meet Your Financial Objectives One of the Undeniable reasons you should track your expenses is to ensure you meet your monthly financial objectives. Sticking to your budget isn't sufficient if you don't also work toward crucial savings goals. Whether you want to build an emergency fund, pay off debt, save for retirement, or save for college, a vacation, or other short-term goals, you're more likely to reach these goals if you budget for them, make a savings plan, and then track your spending to make sure your spending reflects your objectives. Related: Signs You Don’t Make Enough Money? Here’s What to Do If paying off high-interest debt is your primary concern, you should make that a fixed expense in your budget. Each month, put the amount you planned in your budget toward that debt, and then keep track of your spending to ensure you paid off as much debt as you planned. 4 Once you've paid it off, you can start working on other goals you couldn't reach while in debt, like saving for retirement. 2. Holding Yourself Accountable What will keep you on track if you want to save money, make investments, get out of debt, or build wealth? We can all have financial goals and dreams, but if you don't keep track of your expenses, there's nothing to hold you accountable for when you make a bad financial decision. Keeping track of your spending makes you more likely to reach your financial goals in the future. And in the long run, that can make the difference between being broke and being rich. 3. Tracking your Expenses Helps You Stick to Your Budget

After you make a budget, which is a plan for how much you will spend each month based on your income and expenses, you need to keep track of your spending every day to stay on track. You won't know when to stop spending in a certain category if you don't keep track of your money (food or clothing, for instance). At the end of every month, look over the expenses you kept track of and compare what you spent to what your budget said you should spend. If you've spent too much, look for ways to save money in a certain area. If you didn't spend enough, you might want to save more money and pay off debt. In either case, you should use what you learn from keeping track of your expenses and any changes in your life (like getting married or having a baby) to make changes to your budget for the next month that will put you in a better financial position. For instance, keeping track of your expenses might show that you budgeted too little for food or forgot to budget for one-time costs like holiday gifts. In this case, you can add these one-time costs to your next month's budget and make it more realistic and complete. Read also, 21 Ways To Make Budgeting Fun 4. Tracking Your Expenses Puts You Back in Control It's terrible not knowing what happens to your hard-earned money. You may be wondering how, despite your best efforts, you will be unable to purchase even a hamburger until your next paycheck arrives. For some reason, you feel entirely befuddled and useless when managing your own money. Maybe you were there. And have no desire to return to that place. You must accept responsibility. Everyone will stand back and watch you spend your savings. Friends, family, and corporations all indirectly and actively encourage this. It is ultimately up to you to make financial decisions. Nobody else can guarantee that you will not retire without a nest egg and wonder what went wrong. Keeping track of your expenditures is the first step in regaining control. 5. Tracking Your Expenses Can Reveal Any Underlying Spending Issues You should also keep track of your monthly expenses to learn more about how you spend your money. If you don't know where your money is going, you won't be able to spot bad spending habits that you can easily change to make your money work for you. For instance, if you keep track of your expenses, you might pay monthly for a service you don't use, like a gym membership you don't attend. In this case, you could cancel the service or switch to a cheaper one. Or, you might realize that going out to eat or buying clothes from expensive brands makes you run out of money before the end of the month. Related: Budgeting for Unexpected Expenses, Best Ways to Avoid Disaster Keeping track of your spending can also help you find big problems with handling your money. For example, if you look at your expenses over months or even years, you might notice that your rent goes up every year and now takes up a big chunk of your monthly income or that you aren't making enough to live the way you wanted to. To fix these issues, you might have to make big changes like moving to a cheaper place to live or getting a second job to make more money. It won't be easy, but if it helps you get your money in order, it will be worth it. 6. Identifies Any Budget Categories to Reevaluate

What percentage of your net income do you spend on housing, food, and transportation? How much money do you save each month for a rainy day? What about the money you have free to spend on whatever you like? Uncovering the answers to these questions is simple if you keep track of your costs. You can figure out where you can cut back or stop spending if you know how much and what you spend it on. Most of the time, you can cut back on a few purchases to save money. After crunching the statistics, you may conclude that cutting your housing expenditures, driving a less expensive automobile, or creating a food budget will have an immediate and long-term impact. 7. Shows You Your Lousy Spending Habits What percentage of your monthly salary do housing, food, and transportation take up? What is your monthly rainy-day fund balance? Isn't there something about having unrestricted spending cash that appeals to you? You'll have no trouble answering these questions if you keep a budget. Keeping track of your expenditure will help you identify areas where you can reduce or cease spending altogether. It's usually cheaper to stop and pick up a few necessities rather than try to go the entire trip without shopping. A thorough analysis of your finances can lead you to conclude that cutting back on housing expenses, switching to a less expensive vehicle, or establishing a food budget will have an immediate and lasting impact. 8. Helps You Cut Out Impulse Spending

When you track what you spend, you must think before you spend. If you keep track of what you've bought and how much you've spent, you'll be less likely to buy something on a whim. When I go through my receipts and write down my expenses, I don't want to see hundreds of dollars going out the door every month on purchases I didn't think about. You may spend more on a whim than you think and use money meant for more important things. No one likes to waste money, no matter how much money they have. Keeping track of your purchases will make you realize how much you spend without even realizing it. Over time, you'll spend in ways that don't make you feel bad later. 9. Ensures You Catch Fraudulent Transactions in Time One morning when I checked my bank account online, I noticed a sizable pending transaction from a Best Buy I didn't recognize. My bank's fraud department didn't discover it until after I did. Since I'm familiar with electronics businesses and have made purchases from Best Buy online, I doubt they ever would have. I would not have known until it was too late if I hadn't been diligent about checking my daily spending. Think about the frustration of having your debit card denied at the supermarket or your rent check returned unpaid. You must now pay the late payment cost and the check return fee. Until you restore your banking information and acquire new cards, you won't have access to your money. Read also, What Are Card-Not-Present (CNP) Transactions? The worst possible time to discover a breach in your account security is when you start bouncing checks left and right. If for no other reason, you should keep tabs on your spending to avoid fraud. Make today the first day you consistently check your bank account after being away for weeks or months. 10. Gives You a Sense of Accomplishment

One of the Undeniable Reasons you should track your expenses is the sense of accomplishment that comes with it. If you've been having trouble, figuring out where your money goes and planning how to spend it wisely is a big win. It's a big accomplishment that will make you feel better about the future and sleep better at night. Keeping track of your spending and avoiding financial trouble can help you feel better about your money. Also, you'll better understand how you spend your money. Most of us only have a vague idea of where our monthly money goes. But look around you: Are your closets full, are your fitness gadgets collecting dust, and are your cosmetics spilling out of your bathroom drawers? These are the results of how you spend your money. With one-click shopping and automatic billing, it's easier to spend money without thinking about it, whether at work, eating dinner, watching TV, or even sleeping. But if you pay attention to every dollar you spend – it only takes a few minutes a day – you'll see patterns, find waste, and find expenses that don't fit your values and goals. Soon, you'll start to think twice about what you want to buy before you hand over your credit card. 11. Prevent Potential Financial Crises

When you've been keeping track of your expenses for a while, you'll get into a rhythm and know how much you generally spend on different things. But right now, before you start keeping track of your spending, you don't know if you're spending more or less on food, clothes, and electronics than you have in the past few months. When you keep track of your spending, you'll be able to see where those trouble spots are. Americans who make at least $75,000 a year and live from paycheck to paycheck can't do anything about their problem spending areas. They spend too much on things for their lifestyle. When you keep track of your expenses, you'll be able to spot trouble spots before they get worse. See also, What Is A Financial Safety Net? And Why Is It Important? 12. You’ll Feel Less Anxious About Money Most of us avoid discussing or even thinking about money because it makes us feel bad. According to an American Psychological Association survey, most Americans were anxious about money in the previous month. We are concerned about unpaid debts and items we want to acquire for ourselves or others but cannot since we do not have enough money. We are also concerned about our financial situation in the future. However, burying your head in the sand is not a viable option. According to Tiller's survey, facing your money anxieties head-on and taking charge of your expenditures is a proven strategy to alleviate worry and stress. If you're like most Americans and don't keep track of your money, set aside a few minutes each day to begin this powerful new habit. There are numerous tools available that make it simple, quick, and even enjoyable. You can use a pre-made report tool like Mint, YNAB, or Revolut, which allows you to connect your bank accounts to Google Sheets and create your dashboard. 13. Finding Ways To Save Money and Avoid Debt One of the nicest options for keeping track of your spending is that you are likely to find expenses that are a waste of money that you can eliminate. For instance, we've heard from friends more than once that when they carefully tracked their spending, they found they were paying for online subscriptions they'd forgotten about. This is only one illustration. You will likely discover other ways to save money in addition to canceling subscriptions you don't use. When you do that, you can put that money into savings instead of spending it. Keeping track of your spending can be a powerful way to keep yourself out of debt. When you have debt and don't keep track of your day-to-day spending, it's easy for the amount of debt you pay each month to slip through the cracks. But once you keep track of every dollar that goes out of your bank account, you'll start to see how much you're paying in debt, which can be shocking. Related: 45+ of The Best Apps For Saving Money

How Tracking your Spending Improves Your Relationship

My husband and I spent the first few years of our marriage blissfully unaware of the true state of our finances. We didn't have a large difference in pay, so we shared the bills equally. We figured that since we both had stable jobs and moderate spending habits, we wouldn't require a monthly budget. When we encountered a few unexpected challenges, we realized our mistake. We finally saw eye-to-eye on our financial situation once we both started keeping tabs on our spending. There was that need to start making joint financial decisions after discussing everything. We planned for the future with immediate and far-off objectives, established a budget, and adopted a more minimalist lifestyle. We improved our level of coordination and cooperation to unprecedented heights. A happy marriage requires joint financial planning. First, establish a system for recording costs. Read also, 40+ Fantastic Stay-at-Home Date Ideas

How to Track Your Expenses

1. Write Down Every Expense You’ve Made The traditional way to keep track of your spending is to write down every cent you spend and why in a notebook or ledger. Tracking your expenses gives you a quick look at where your money goes. Additionally, it is simpler to do if you do it every day, usually right before bed at the end of the day. Read the full article

6 Ways To Get Paid To Advertise For Companies: Helpful Tips

With the rate at which businesses embrace digital technology, the opportunities to get paid to advertise for companies are endless. Businesses want their products and services on as many faces as possible. They know how far their products and services can go with the help of the internet, and they are not sleeping on this opportunity. However, they need capable hands and influence to achieve their business goals. You can make money by advertising for companies with the right skills and social capital. We will show you some of the ways in this article.

How Do I Get Paid For Ads

With the increasing competition among businesses today, there is an urgent need to reach their target audience faster. This has made advertising for companies a lucrative source of income. There are various ways you can use this opportunity and get paid to advertise for companies. The exciting thing about this opportunity is that you can take them as a full-time or passive job.

Become A Social Media Influencer Undoubtedly, social media has become one of the most powerful tools for businesses and advertisers. Companies that know how to maximize social media thrive better than their counterparts. For this reason, many businesses are searching for a social media influencer to promote their business. Becoming a social media influencer is not a walk-in-the-park job. It requires consistent content creation. The truth is that when you add value to your audience, you get engagements and subsequently grow your followers. Social media platforms like Instagram, Facebook, and Twitter are some popular places where you can get paid to advertise for companies. However, the amount you get to advertise for a company depends on your number of followers and your social media influence. For example, an average Instagram influencer with about 100,000 followers earns approximately $400 per sponsored post. Companies That Pay You To Promote Their Products On Instagram The exciting thing about being an Instagram influencer is that you can get an opportunity to collaborate with some of your favorite brands. Many companies need Instagram influencers to help create ads, sponsored posts, testimonials or unbox a package. Most times, these companies reach out to influencers that create content in niches related to their industry and pay them to promote their product. For instance, Fabletics, a brand selling male and female activewear, did about 2700 sponsored posts by collaborating with Instagram influencers. Other companies collaborating with Instagram influencers include Fashion Nova, Lululemon, Walmart, Amazon Fashion, Pretty Little Thing, and more. Review Sponsored Products On Your Youtube Channels As a youtube influencer, you can get brands you can help review and promote their products on your channel. In addition, reviewing sponsored posts on youtube is a great way to monetize your social influence on the platform. Usually, a company pays you for reviewing their products and recommending their services. In other cases, the company gives you a few free products for you to unbox and promote to your audience. However, before you get an attractive offer from a company, you must build a quality audience on your channel and convince the company that you can obtain a minimum number of views. The best way to do this is by going for advertisers in your niche. Affiliate Marketing Affiliate marketing is a passive way of advertising where a company pays an affiliate to generate traffic to its products or services. It is one of the most demanded services in the market today. Affiliate marketing isn't only a powerful means to make lots of money by advertising for companies, but one can also build it into a passive income stream. For instance, you can continually earn commission from an article promoting a product as long as it remains on the internet. You can start a business as an affiliate marketer by partnering with an affiliate network. These affiliate networks link affiliate marketers to companies that need them. However, you might be required to pay an affiliate fee. Building A Blog Gone are the days when blogging is just done for fun and out of passion. Today, blogging is the new media, and if you are familiar with the modus operandi, you can make fortunes from it. Owning a blog is easy; building one requires commitment and persistence. However, it becomes more demanding when you intend to use your blog for advertising. Despite the demanding nature of blogging, it is still one rewarding field you can venture into. Some ways you can make money by advertising on your blog include paid reviews, CPM ad networks, pay-per-click advertising, pop-ups, and more. Sponsored Post A sponsored post is a dedicated blog post where the author discusses a brand, its products or services. The discussion bothers on sharing details about the products or services, how to use them, and their benefits. Ideally, companies pay bloggers to create sponsored posts for them. They can do this by approaching the company involved via email and communicating their interest in creating sponsored posts for the company. Alternatively, they can also check out sponsored post websites to create a profile. From here, companies who need them to advertise can quickly contact them. Ad Networks To effectively monetize your blog, you need to do more than sell ads directly to brands. With a good ad network, you can adequately manage your ads and maximize your blog potential faster. Most ad networks have an already established relationship with famous brands and businesses. Using their services will help you benefit from these relationships, thus allowing you to advertise for companies.

As a blogger, you wouldn't have to worry much about creating ads for companies when you partner with a good ad network. For payment, most ad networks use CPM, CPC, and CPA. With CPM, you get paid based on the ads' number of impressions. While with CPC, you get paid based on the number of clicks the ads get. Furthermore, with CPA, you get paid based on the number of purchases or signs up from your ad. Google Adsense, Infolinks, Monumetric, AdThrive, and Skimlinks, are some popular ad networks you can use to manage your ads. Get Paid To Advertise On Your Car Getting paid to advertise on your car is as simple as it sounds. A car owner receives a commission for promoting a company on their vehicle. The process is called car wrapping and is a lucrative way of earning passively. The amount you earn from car wrapping depends on the miles you drive per month and the area of your car covered with the ad material. For instance, a full wrap gets better pay than a half wrap. Nevertheless, some companies pay you a flat rate rather than per mile. Companies That Pay You To Advertise On Your Car The car advertising business is a legit way of making money. Some third-party companies require car owners to place ads for brands and businesses. They serve as a middleman between brands and car owners. So while the brands get their products to reach more people, the car owners earn a commission. Free Car Media, for instance, promises car owners about $400 per month earning for placing ads on their cars. However, you could make less if you don't drive during the day. Carvertise's primary targets are delivery riders and rideshare because of their wide reach and guaranteed exposure. A car owner can earn between $400 - $1500 per ad campaign for Carvertise. On the other hand, there are companies like ReferralCars, where you earn on a commission basis. Other popular car advertising companies you can try include StickerRide, Wrapify, Nickelytics, Pay Me For Driving, and more. Be A Google Ad Specialist Google is the most popular search engine used by people worldwide today. You can use Google Ads to promote your business online and reach more audiences. Although not every company has the knowledge, experience, or resources to run an effective advertisement campaign with Google ads, what they do is to partner with an ad specialist. As a Google ad specialist, a company expects you to plan, set up, optimize, and manage for them. You can manage ad campaigns by working with an agency, an in-house team, or as a freelancer.

What Is Paid Advertising For A Company?

Paid advertising is any online advertising where advertisers bid to get their ads displayed on relevant platforms. This advertising method is in the form of an auction where advertisers willing to pay more money win an ad space. It is similar to PPC advertising, where advertisers pay for clicks or impressions. The effectiveness of paid advertising for a company depends on the business type, industry, and goals. However, paid advertising drives more traffic and conversion than organic promotion, as it provides immediate results. Therefore, we encourage start-up businesses still struggling to establish a foothold on the internet to use paid ads to reach their target audience.

Conclusion

The demand for effective advertising campaigns from companies will not end anytime soon. Therefore, this is a legit means of earning a living for yourself. The great thing about some of these opportunities is that you don't need to end your current job to embrace them. They are pretty flexible and one of the fastest ways to make passive income.

Frequently Asked Questions

What are the good ways to advertise a business? To get the best from advertising your business, you must use the right tools and partner with the right people. Social media marketing, press releases, engaging content, paying an ad specialist, and more are effective ways to advertise a business. How do I get paid for advertising? You can get paid for advertising by engaging in affiliate marketing, creating blog sponsored posts, influencing social media, managing Google ads for companies, and more. How to make money on Instagram without selling anything? You can make money on Instagram by being a brand ambassador, influencing companies, or creating sponsored posts for them. What company will pay me for advertising? Both popular brands and small businesses need a form of advertisement to promote their products or services. If you have all it takes to achieve that, an interested company will pay you. Read the full article

10 Online Retailers Offering Free Shipping & Returns

Making purchases via the internet is now a thing. On a daily basis, millions of people place orders for products outside their region or country. However, the costs of shipping these products from one country to another is expensive and discouraging. Fortunately, there are online stores that provide free international shipping to their customers. Here are online retailers that offer free shipping and returns.

The DHGate

DHGate is an online marketplace that sells low quality goods from China to customers around the world. This website targets wholesale buyers around the globe. It also delivers your order to any country of your choice for free. This online store is an excellent place to purchase wholesale items that can be shipped for free.

Newegg

Newegg, a corporation based in the United States, is well-known in the online tech-shopping community. It sells high quality items at cheap prices. Many of the items sold in Newegg are eligible for free delivery. Residents in countries like America, Mexico, and a majority of Europe countries are eligible for free delivery.

YesAsia

YesAsia is an online video game retailer. It sells games, consoles, and other gaming accessories like PlayStation 5, Nintendo, Xbox One, Wii U, and Nintendo DS. When you make a purchase from the site, you can enjoy free shipping. Shipping is free for all items purchased on the site regardless of the item's weight.

Dorothy Perkins

Established in the United Kingdom, Dorothy Perkins is a store that offers a broad collection of children's clothes and women's accessories. In other to qualify for the free shipping offered by this store, you must make a purchase that totals €60 or above. This website only offers free delivery to residents in some countries. Check out the site to find out the eligibility status of your country.

ASOS

ASOS offers men's and women's clothing for people between the age of 20 and 35. More than 80,000 clothing products are available on this online store International shipping is free on this site for a limited number of countries.

Shopbop

ShopBob is an online store acquired by Amazon in 2006. It offers luxury brand items for people of all ages. If you make a purchase that exceeds $100, ShopBob will ship your item for free.

Strawberrynet

Strawberrynet is a good online store for cosmetics. It offers perfumes, cosmetics, skin products, hair products, and more. Strawberrynet will ship your overseas order for free when you make a purchase that exceeds $150.

Feel Unique

Cosmetics, skincare, perfumes, and free electronics products are available for sale on Feel Unique's online store. For orders above between $20 to $100, you can be eligible for free worldwide shipping.

Fy is a marketplace for budding designers to sell their wares. It displays clothes, accessories, Jewelry, bags, wall art, and more All purchases on this site are eligible for free worldwide delivery.

BetterWorldBooks

BetterWorldBooks is an online bookstore that sells new and used books. Located in the United Kingdom, this site provides free worldwide delivery to anyone who makes a purchase via its site. BetterWorldBooks delivers orders within 10 to 21 days. Read the full article

16 Birthday Freebies: Awesome Places to Get Free Stuff on Your Birthday

Birthdays are special days. It's a day to receive gifts and be happy. Aside from receiving gifts from your friends and family, there are other places you can get free stuff on your birthday. Here are 16 places to get birthday freebies.

Aveda

Aveda is a skincare company that produces natural skin products. Joining the Aveda Pure Privilege program makes you eligible for a free $23 gift on your birthday. You must also be a regular customer of Aveda twelve months before your birthday.

Barnes and Nobel

Joining the Barnes & Noble kids clubs is free. There is no maintenance or renewal fee for members. This club is open to children under the age of thirteen. If your child turns thirteen, your membership will automatically be terminated. This club offers cupcakes, cookies, Chrysa rice, and other presents to its children members.

AS Bonus Program

Joining the AS bonus program makes you eligible for a free $5 voucher for your birthday. Registration on the AS website is free and open to everyone.

Bare Minerals

If you are a makeup lover, you can sign up for this program. This program will send you a birthday gift for being a member. It gives out make up samples as a birthday gift.

Hallmark Crown Rewards Program

When you join the Hallmark Crown Rewards program, you will receive a complimentary card and a 20% discount card

Extra Care Beauty Club

If you register in the Extra Care Beauty Club, you will receive a $3 grooming bag as a birthday present.

Sephora

When you join its loyalty program, Sephora will give you a gift on your birthday. It gives makeup samples as a gift.

Smashing Box

Smashbox is a business that offers gifts to its customers. When you sign up for their reward program, you become eligible to receive beauty products as birthday gifts.

World Market Explorer

World Market Explorer is a store that sells a vast collection of home decor. When you sign up as a member on this platform, you will get a gift on your birthday. Home decor items are usually given as gifts.

Wingstop

This restaurant gives out a free large order of fries to its customers. You can be eligible for these fries if you are a member of the Wingstop email club.

Zio's Italian Kitchen

This restaurant registers its customer's birth month and awards them with a delicious on their birthday. Every new member of this restaurant receives a free Bruschetta appetizer.

Zaxby's

This is another restaurant that awards its new customers with one free meal. It also offers a free Nibbler on your birthday.

Spicy Pickle

This business gives out a free bag of chips to all its new members. It also offers a coupon to you on your birthday.

The Body Shop

Joining the Love Your Body Membership club makes you eligible for a $10 worth of birthday gift.

Smashbox

Members of the Smashbox loyalty program get a birthday present on their birthday.

Victoria's Secret

When you subscribe to Victoria's secret email newsletter, you will get a $10 discount coupon for any purchase you make on your birthday month Read the full article

3 Best Stock Market Simulators

The majority of individuals find the stock market to be thrilling but unsettling. This is due to the uncertainty that comes with an investment in it. Fortunately, a stock market simulator can ease the tension associated with trading. With a stock market simulator, you can test your investing methods without the risk of losing money. Here are the best stock market simulator

Warrior Trading

Day traders are the target audience for Warrior Trading. If you are new to stock investing, you can take a look at the Trade Terminology page of Warrior Trading. Warriors Trading offers various subscription plans. The Warrior starter, a basic 30-day subscription plan is designed to get you started and is an important instruction curriculum for beginners and novices. The Warrior Pro program offers mentor sessions, forex trading room chat access, unrestricted connectivity to Warrior Pro Masterclasses courses, and more.

Ziggma

Ziggma is developed to assist investors in the management of their investment portfolio. A sharemarket simulator is one of the management tools offered by Ziggma. It also offers a free and paid account plan. However, the portfolio simulator is not available in the free forever plan. The premium account has a starting price of $9.90 per month. To access the Ziggma stock market simulator, you must create an account with Ziggma and connect it to your investment portfolio.

Investopedia Stock Simulator

The Investopia stock market simulator enables you to play around with any sum of fictitious money. It is a free stock simulator. This website also enables you to interact with over 700,000 investors in a community forum The US traded stocks, ETFs, and more are the stocks that can be traded with Investopia.

Frequently Asked Questions

What is the best stock market simulator? Some of the best stock market simulators include TradeStation, HowToTradeTheMarkets, TradingView, and TD Ameritrade's Virtual Stock Exchange. Each of these market simulators comes with a unique set of advantages as well as disadvantages. Is there a free trading simulator? Some of the free trading simulators include Interactive Broker, eOption, Tradestation, TD Ameritrade, and Webull. These simulators offer a free and paid plan How can I practice stocks without using real money? Online tools like stock market simulators enable you to hone and practice stock trading without risking real money. Upon creating an account with a simulator, you will be given a certain amount of fictitious money for a fictitious investment. Is the Investopedia simulator free? Yes! Investopedia offers its stick simulator service for free. You don't need to provide your financial details when creating an account. Virtual money is the money used in the trading of stocks in Investopedia. Which trading app is best in India? The most popular and best trading applications in India are Diamond Online Trading App, Fyers App, HDFC Securities, IIFL Market Trading App, and Stock EdgE.

Summary

As a newbie in stock investment, Stock Simulator enables you to gain knowledge about the investment world. It guides you as you begin your stock investment journey, and it provides you with stock trading techniques that are useful in the real world. Read the full article

3 Ways to Make Money From Home

Making money from the comfort of your home is now a huge trend. You don't need to wake each morning to fight your way through traffic before getting to the company you work in. If you're interested in making money from working remotely, here are three ways you can do it.

Test Websites

Sites like UserTesting pay their users to test websites. To make money from testing websites, you'll have to join or download any web testing program. Upon registration on the testing program, you'll be given the task of reviewing websites, apps, or games. During the process of reviewing, you'll need to video yourself. Companies Want to see and hear you reviewing the sites they've provided you with. As a website tester, you need to have a good communication skills.in order to smoothly convey messages.

Product Tester

As a product tester, you have the job of reviewing new.products before they get to the market. They are lots of sites that pay you to review products. You can also apply to companies to become their product tester.

Freelancing

A freelancing job allows you to work from home or anywhere. As a Freelancer, you also have control over your working hours and income. Sites like Upwork and Fiverr connects you with people in need of any skill you have to offer.

Ways to make money online

There are several ways to make money online, they include freelancing, participating in online paid surveys, running an affiliate program, selling goods on Etsy, creating a blog, becoming a YouTuber, and more.

Frequently Asked Questions

How can I make $1000 a day? To make $1000 in a day, you need to carry out several jobs. You can join DoorDash to deliver meals or become a Freelancer, You can also make $1000 in a day by selling on Etsy, teaching an online course, creating a podcast, doing affiliate marketing, and more. How can I make $300 a day from home? To make over $300 a day from home, you can join an online focus group to make contributions to fields you're familiar with. You can also make that amount in a day by running affiliate programs, selling on Etsy, teaching online courses, driving with Uber, launching a drop shipping business, renting your house space on Airbnb, and more. How can I make money in an hour Participating in online surveys can make you money in less than an hour. Being a DoorDash delivery person, an Uber driver, a ShiptShopper, a transcriber, and more can make you money in less than an hour. How do I get paid online? When you work online. They are various ways you can get paid. Some sites pay with gift cards. While most businesses make payments via PayPal, direct check, or with online payment services. What are some passive income ideas? To make a passive income, you can rent your house out on Airbnb, sell photos on the internet, flip retail goods, invest in Micro-investing apps, lease your parking spaces, rent your car, and more. Read the full article

Point Review: Can This HELOC Alternative Save Your Money?

Most property owners are familiar with the terms "home equity loan" and "home equity line of credit" right away as financial products. With these, you can use the value of your property as security for a loan. But only some are keen to take on more debt. Reading this Point Review can help you to handle your urgent concerns. To learn more about Point and its home equity services, continue reading.

Key Features Of Point Review

Point is based in Palo Alto and is offered by a California-based startup, Point Digital Finance, Inc, which has been in the financial services industry since 2014. Also, the availability of Point is limited to 19 states (and Washington, DC). Some of its features include; - Affordability, even with bad credit Point accepts applicants with credit scores as low as 500. - Maximum investment of $500,000 The home's current market value will determine your actual offer price, and your equity level will determine your offer price. - Protracted duration of agreements Point's 30-year contract term gives residents a great deal of freedom to plan their lives as they see fit. But, unfortunately, you can only hold most home equity loans for a maximum of 10 years. - The proportional share of rising property values Point's return depends on your home's appreciation rather than the home's full value, which is different from most shared equity investors. If you opt to get your money back at the contract's end, it will cost you between 15% and 40% of how much your home has appreciated during that time. In addition, Point is liable for a portion of the loss in value if your home's market value drops. - Only cash withdrawals are allowed. Existing homeowners have the option of borrowing up to 22.5% of their home's value to access up to 45% of the value. The loan proceeds may be used for lawful purposes, like retirement, home improvements, and debt consolidation. You can only get it in certain states. About nineteen states now have access to Point.

Unison Home Equity

Unison, founded in 2004, provides home equity agreements (HEAs) to homeowners who want to borrow up to 17.5% of their house's value. Unison will then have a lien on your home's appreciation in exchange. Even though Unison does not require a monthly payment or interest, there is usually a 3% fee for the loan's origination costs and an appraisal fee and settlement cost. With home equity pooling, Unison provides an alternative to refinancing and HELOCs. And with no monthly payments or interest, homeowners can access up to $500,000 in equity. Its Pros include; - No payment for over 30 years. - Incurs no interest charges. Cons - Discontinued in some states - Spends more money

Home Equity Investment Companies

By entering into a shared equity arrangement with a home equity investment company, you can receive a lump sum payment without taking on any more debt or making any monthly payments. Instead, the payment is a share of your property's expected appreciation. The list of these companies includes: Point Agreements of up to 30 years in length are feasible at Point. In addition, you can take out a loan for up to 70% of the value of your home, and you can pay off your loan pretty early without incurring any fees. Unlock Unlock is unique among equity-sharing organizations because of its adaptability. Unlock is the only provider that will purchase back a portion of your home equity agreement, even though their contracts are only good for a maximum of 10 years. After entering into the arrangement, you can buy back as much as half of your initial investment. Hometap Hometap is a good option for consumers with average or mediocre credit. With this company's plan, you can borrow up to 75% of the property's worth throughout a 10-year contract. At most, you can borrow up to $400,000, which is pretty much equal to 30% of your home's value. Unison Unison is the best option for homeowners with high-value houses because it offers contracts of up to $500,000. However, their maximum loan amount is 17.5 percent of your home's value, and they require a credit score of 620 or higher. Noah Created in 2016, Noah (formerly known as Patch Homes) offers a Financial Protection Program. If you are a homeowner having trouble making your mortgage payments or saving up for repairs, this program may help. There are also no limitations placed on how homeowners can spend the money.

Hometap Vs. Point

Hometap or Point? That depends on how soon you need the service. While you have up to 30 years to repay a Hometap loan after selling your equity, you only get 10 with Point. And most home equity petitions are far within both programs' maximum amounts of at least $500,000. Hometap is ideal for owners who won't be staying put for too long. And homeowners who plan to sell or pay off the investment in less than ten years are also good candidates for a 10-year mortgage. Potential homebuyers could include retirees or parents whose children are moving out for college. Point provides a more generous time frame, suggesting that its solution could be useful in a larger range of homebuying contexts. And almost all mortgages are for 30 years, so that's about how long most people plan to keep their homes. After you've paid off your mortgage, you should have significant equity to use toward retirement or a new home.

Home Equity Investment Pros And Cons

Pros

- A guaranteed fixed interest rate and predetermined monthly payments over a predetermined period. - Lower interest rates compared to many other popular types of debt. - Easy access to large sums of money that you might not be able to get through other channels. - Your monthly payment will be predictable payments that are determined at the beginning and will last for many years. - Potential tax advantages that might reduce your taxable income at the end of the year.

Cons

- Features a lump sum payment means that you might take out more money than you need, spending it carelessly and lowering the value of your home in the process. - Risks include going into foreclosure and going underwater on your loans, which prevents you from being able to move or sell your house if its value drops. - You might take on more debt obligations than you'll eventually be able to handle. - A more time-consuming and expensive application process that typically takes weeks or months while the bank reviews your application and credit history.

What is an alternative to a HELOC?

HELOCs or home equity line of credit, are an option for homeowners looking for a loan to pay for unexpected costs. There are several people who would prefer a fixed interest rate and are aware of this option. Although the inability to make the monthly payments, poor credit, or the desire to refinance your primary mortgage are other possible causes. Each potential substitute for a HELOC comes with its own set of pros and cons, such as different rates and fees or a shorter loan term. In place of a Home Equity Line of Credit, you may want to consider some alternatives such as; Cash-out Refinance

You can consider cash-out refinancing as a viable option and an alternative to a home equity loan or credit line(HELOC). You can get the difference between your new mortgage and what you owe in one lump sum by doing a cash-out refinance on your primary mortgage. Closing costs are associated with both cash-out refinances and home equity products; however, the costs are typically higher. You might want to consider the full lifetime costs of each to help you choose the best course of action. Credit Cards

Similar to a HELOC, credit cards also provide a line of credit. This makes loans for any reason simple, but it is also very expensive. Average credit card interest rates are frequently substantially more than 10%; they are significantly higher than those on home equity loans, mortgages, and even personal loans. It's better to pay off any charges within a few months, although credit cards might be useful if you require a significant sum of money or a steady flow of cash over time. If you can't, you might pay high-interest rates and could easily become caught up in a debt cycle. And your credit score can be negatively impacted by this. Reverse Mortgage Line of Credit

The best option for senior homeowners who don't want to make monthly payments is a reverse mortgage, with the proceeds taken as a line of credit. Over time, the amount of the credit line that is unutilized increases. If your home's worth or the economy's performance declines, say, in a market crash, you won't lose access to a HECM line of credit. To qualify, neither a minimum credit score nor a fixed income is required. If you later decide that receiving regular monthly payments is preferable, you can also adjust your reverse mortgage payment schedule.

Does It Make Sense To Get A HELOC?

Taking out a HELOC to pay for renovations that add to your home's value can be a smart move. A HELOC can provide access to lower-interest financing than other options, such as credit cards or personal loans, in the event of a genuine financial emergency. But you should not utilize a home equity line of credit for discretionary spending like a trip, a new car, paying off high-interest credit card debt, tuition, or real estate investments. Foreclosure is a real risk if you have a HELOC and you aren't keeping up with your payments.

Can You Buy Points On A HELOC?

Many HELOCs have no points, but certain lenders may let you pay them to get a cheaper interest rate. Still, there are scenarios where it makes sense to use points as currency. You can consider paying the points to get the lower interest rate if, for instance, you are getting a huge line of credit that will take years to pay back. Your points investment should be recovered over time by the savings you reap from your lower interest rate and, consequently, lower monthly payments. Also, when dealing with a small line or one you intend to pay off fast, it may not be worth it to pay points.

How Can I Get Equity Out Of My Home Without Refinancing?

Two of the most common ways homeowners can access their equity without refinancing are home equity loans and home equity lines of credit. You can get a loan against your home's equity in these two ways. You can get a large sum of money with a home equity loan and then make monthly payments on the loan. Alternatively, you could also put your money into a home equity investment. Through these agreements, you can get a lump sum of money in exchange for a portion of your home's potential future value. The investor does not require any additional monthly payments or debt consolidation loans in exchange for a portion of the home's value at the end of the term or upon sale. However, the best option for you will be determined by several factors, including your credit history, financial situation, and current equity in your home.

Can You Be Denied A HELOC?

Lack of sufficient equity in your home can result in a denial of your HELOC. In addition, it is very much unlikely that it would be possible to get a loan of any size unless you have a minimum of 20% equity in your home. Furthermore, your debt-to-income ratio (DTI) is the sum of all your revolving debts (credit card payments, loan payments, etc.) divided by your annual gross income. You can calculate your DTI percentage is by taking your total monthly debt costs and dividing it by your total monthly take-home pay. The lower this ratio is, the better, and many financial institutions will not approve your HELOC if it is higher than 43%.

Some Frequently Asked Questions On Point Review

What Happens To HELOC If The Market Crashes? Your home's equity will decrease if the market declines and your property's appraised value drops. In such a case, the lending institution has the right to reduce the amount you can borrow via your HELOC to reflect the amount of equity you still have in your home. So, you can expect a HELOC freeze if you are currently experiencing negative equity. Is It Very Smart To Use A Heloc To Invest? Increasing your home's value with the help of a HELOC is a smart financial move. Use caution, though, because credit card debt can quickly add up if you use it to cover expenses that would strain your budget otherwise.

Final Thoughts

Suppose you have a lot of money riding on the success of the real estate market but are concerned about the impact a decline could have on your wealth. In that case, you may want to consider using Point to tap into some of your equity and spread the risk of declining property values. If you're trying to decide if a shared equity loan is right for you, you'll need to consider whether or not you're willing to give Point a stake in your home's future appreciation. Read the full article

$15 An Hour Is How Much Per Year?

Hourly wages can be deceptive at times. It prevents you from seeing the full picture of how much you make in a year. In this article, we will provide a step-by-step guide on how to calculate how much an hourly wage is in a year. So if you earn $15 an hour, here's how much it is in a year.

$15 An Hour Is How Much A Year

If you work an average of 40 hours per week, you'll earn $31,200 with a $15 an hour wage. In a year, there are 52 weeks. If you work 40 hours each week, it means the total number of hours you'll work in a year is 2080 hours. Number of hours in a year × Number of weeks in a year = 40 hours × 52 weeks = 2080 hours. Therefore, the total number of hours you'll work in a year is 2080 hours. Since you make $15 an hour, you can get the amount of money you make in a year by multiplying $15 by the total number of hours you work in a year. $15 × 2080 hours = $31,200 Thus, if you make $15 an hour, you'll make a total of $31,200 before taxes.

$15 An Hour With Overtime Is How Much A Year

Overtime is the extra hours you work. So if you work longer than eight hours in a day, you'll receive compensation at the overtime rate. Overtime rate is often 1.5 times higher than your regular payment rate. Since you make $15 an hour, your overtime payment will be $22.50 an hour. $15 × 1.5 = $22.50 Here's how to calculate how much you make in a year if you work overtime. If you worked 50 hours a week instead of the normal 40 hours, you'll receive overtime payment for the extra 10 hours you worked. Regular hours worked = $15 an hour x 40 hours = $600 10 overtime hours = $22.50 x 10 = $225 $600 + $225 = $825 per week. If you keep working 50 hours a week (40 normal working hours plus 10 hours overtime), here's how to calculate how much you will earn in a year. $825 in a week x 52 weeks in a year = $42,900. Thus, if you make $15 an hour and work overtime for 10 hours, you'll make $42,900. $15 an hour without extra time is $31,200, while $15 an hour with ten hours of overtime pay is $42,900. The below table considers different overtime hours and how much you will earn in a year with a $15 hourly rate. Overtime Hours Hours Per Week Weekly Earnings Yearly Earnings 0 40 $600 $31,200 1 45 $712.50 $37,050 2 50 $825 $42,900 3 55 $937.50 $48,750 4 60 $1,050 $54,600 5 65 $1,162.50 $60,450 6 70 $1,275 $66,300

Part-time $15 An Hour Is How Much A Year

Part-time means fewer hours of work. If you work less than the standard 40 hours per week, it means you work part-time. Here's how to calculate your part-time payment if you earn $15 an hour. Weekly Earning: Hourly Wage Rate × Number of Part-time Hours Worked In A Week For example, if you work part-time for 25 hours a week, you'll make $375 in a week. $15 an hour × 25 hours part-time = $375 Yearly Earning: Weekly Pay × Number of Weeks In A Year = $375 × 52 Weeks = $19,500 So if you're paid $15 an hour, and work part-time for 25 hours a week, you'll make $19,500 in a year.

$15 An Hour Is How Much A Month

It can get a bit technical when you calculate how much your hourly wage is in a month. Most people calculate their monthly wage by using the below method. Hourly Wage × Number of Hours Worked In A Week × 4 Weeks In A Month If you use the above method to calculate your monthly income, you'll have: $15 × 40 Hours Per Week × 4 Weeks In A Month = $2,400 monthly pay. The above method is not wrong. However, it does not give an accurate amount. In a month, there are four weeks and a few days, but the above calculation does account for this. To get a more accurate figure, divide your yearly income by the number of months in a year. Since you're paid $15 an hour, your yearly income before taxes is $31,200. $31,200 ÷ 12 months = $2,600 Thus, $15 an hour is $2,600 monthly. Another Interesting Article: 5 Ways to Increase Your Net Worth by $100,000

How Much Is $15 An Hour For 40 Hours A Week

Forty hours is the standard number of working hours in a week. So if you're paid $15 an hour, you'll make $600 in a week. Here's how to calculate it. Hourly Wage Rate × Total Number of Hours Worked In A Week = $15 × 40 Hours = $600 per week.

$15 An Hour Is How Much Bi-weekly

Bi-weekly means two weeks. To calculate how much you make in two weeks, multiply your hourly wage by the total number of hours you work in two weeks. If you work for 40 hours in a week without overtime, it means you'll work a total of 80 hours in two weeks. $15 an hour × 80 hours in two weeks = $1,200. Thus, $15 an hour is $1,200 bi-weekly before taxes.

$15 An Hour Is How Much A Day

If you make $15 an hour, you'll earn a total of $120 in a day before taxes. $15 × 8 hours a day = $120. Eight hours is the standard number of working hours in a day. Use this calculator to calculate your hourly to salary income.

Key Takeaways for $15 Hourly Wage

Here's a summary of the calculations above: - $15 an hour is $31,200 in a year before taxes. - With 10 hours of overtime pay, $15 an hour is $42,900 in a year. - If you work part-time for 25 hours a week, you'll make $19,500 in a year - $15 an hour is $2,600 in a month - In a week with 40 hours of working time, $15 an hour is $600 - $15 an hour is $1,200 bi-weekly - $15 an hour is $120 in a day

15 Jobs That Pay $15 an Hour

The following jobs pay $15 and above for each hour that you work: - Painter - Tutor - Fitness Instructor - Medical Assistants - Freelance Writer - Food Delivery Driver - Graphics Designer - Construction Worker - Dog Walker or Pet Sitter - Rideshare Driver - Real Estate Agent - Transcriptionist - Plumber - Vet Tech - Grocery Check-out Clerk

10 Jobs that Pay $15 An Hour Online

- Remote Accountant or Bookkeeper - Blogging - Social Media Manager - App Developer - Copywriting - Content Creation (TikTok, YouTube, Instagram) - Product Reviewer - Data Entry - Online Tutor - Translation Another Interesting Article: Top 15 Reasons To Get A Second Job

Conclusion

The above article guides you on how to calculate your yearly, monthly, weekly, part-time, and overtime income before taxes. To know your after-tax income, research the federal, state, local, and FICA income tax rates in your country.

Frequently Asked Questions On $15 An Hour

How Much Is $15 an Hour 20 Hours A Week? If you're paid $15 an hour and work 20 hours a week, you'll make $300 - this is done by multiplying the number of hours worked (20 hours) by the hourly wage rate ($15 an hour). Is $15 An Hour A Good Pay? $15 an hour is a livable wage depending on your country of residence. If you reside in the U.S., you might need to find an extra source of income to support your $ 15-an-hour wage. How To Make $15 An Hour? To make $15 an hour, get a job that pays such an amount. Some jobs that pay $15 an hour include Food delivery driver, freelance writer, administrative assistant, and more. Read the full article

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