So, we know about our income and we know about our expenses. What happens when expenses exceed income, instead of the other way around?If you've cut all the expenses you can, and things still aren't adding up, you need to find ways to increase your income.
There are a wealth of resources online to make money, including working at home. Unfortunately, many (or most?) of them are not legitimate.
Let's look at a few compilations of creative, legitimate ideas to earn extra income:
Make Extra Cash From Your Hobbies @ DumbLittleMan
Extra Income Guide @ Moolanomy
Works for Me Wednesday @Saving Dollars and Sense
Earning extra income can be particularly challenging for Moms, who may have left the traditional workforce to stay at home with kids.
So, what if you need to go back to work? First, assess your skills and consider job training. Second, don't be afraid to highlight and make the most of your stay-at-home-mom time on your resume.
Finally, leverage your fellow Moms for some great tips on working at home:
Work From Home Wenesdays @ Musings of a Mompreneur
The Work at Home Journal
Money4Mom @ Freebies4Mom
Action Plan:
1. After looking at your expenses subtracted from your income, look at home much money you need to earn monthly to break even or get ahead.
2. Explore income opportunities that interest you. Don't be afraid to try a few different things and see what works for you.
3. Don't overlook local opportunities. Can you deliver the newspaper in your area? Is there a store you frequent that is hiring part-time help?
4. Factor in any discounts to the job's earnings. For example, a job at your favorite grocery store might come with a 20% discount on purchases, which could translate into 20% lower grocery bills.
5. Investigate online opportunities carefully. Be extremely wary of sharing personal information like Social Security Numbers. Also be wary of jobs that require you to pay up front fees.
Now, go forth and EARN!
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