5 Side Hustle Ideas to Make Extra Cash

If you’re like most Americans, you think that your paycheck isn’t large enough and your bills are too large. Unless

Image from morguefiles courtesy of Domas

you can demand a raise, you might think that you’re stuck, but there are dozens of different ways that you can earn some extra money on the side. Getting a second source of cash can completely change your finances.

Uber Driver

If you haven’t heard of Uber by now, you’ve probably been living under a rock for the past several years. Just in case you don’t know what it is, Uber is essentially a taxi service, but it lets just about anyone be the taxi drive. You use your own car, and people looking for rides can use the app to find a driver.

One of the best parts of being an Uber driver is that you only drive when you have the time. That means that any weekends when you have nothing to do, you can hop in your car and start earning some extra cash on the side, it’s as easy as that.

There are a few requirements that you’ll have to meet before you can be an Uber driver, but most people shouldn’t have a problem qualifying. You have to have a 4-door sedan that can seat at least 4 or more passengers, have a car that was built in 2001 or more recently, has in-state plates, and the car must pass their vehicle inspection. As long as you meet those requirements, you’ll be able to drive for the Uber service.

How much money that you make is going to depend on where you live and how much time you devote to driving. There are a lot of people that make a sizable second income by driving in the evenings and on the weeks. If you live in a city that has a lot of popular events, like concerts or sporting events, capitalize on the people coming into the city and make sure that you’re available to drive on those nights.

Etsy

If you like to make some hand made goods, then Etsy is the place for you. You can turn your crafting hobby into a source of extra spending money. Etsy will allow you to create a shop and start selling your goods in a matter of minutes.

One of the best parts of Etsy is that it allows you to sell just about anything you can create. It has everything from jewelry and clothing to furniture and paintings. If you enjoy making anything, then you can put a price on it and put it on Etsy. There are going to be some small fees, but it’s still an excellent way to make extra cash.

Survey Sites

Maybe you don’t want to dedicate a lot of hours to earn extra money, but you still want to have some spending money in your pockets. One of the most popular ways is to join a survey site. These sites work with large companies to create surveys that they will deliver to customers and get the responses.

Companies are always looking to see what their target audience thinks of their products or services. With these survey websites, you’ll get rewarded for every survey that you complete. Each website is going to give you a different amount for filling out a survey. These sites are not going to make you a ton of money, but it’s a simple way to earn extra money just by clicking your mouse.

The best part is that you can do these surveys anywhere. You can do them on your lunch break, while you’re on the bus, or while you wait in the doctor’s office. Instead of sitting around waiting, you can make some spare change.

Make a Blog

Creating your blog can be one of the most fun side hustles, but it can also be one of the hardest. There are millions of blogs out there that people never make any money off of, but there are also people that make a decent wage by putting new content on their site. You can make a blog about anything. Find something that you enjoy talking about, think of an interesting way to package it, and then create your blog. You can make money by selling advertisement space or by partnering with companies to do sponsored posts.

It’s important to note that making money off of a blog is not going to be a “get rich quick” scheme. It may take a while, but it will be worth all the work.

Freelance

Freelancing is another side hustle that can net you some serious profits. Depending on what your skills are, or what you’re an expert in, you can earn just as much freelancing as you do with your full-time job. There are plenty of people that quit their day job to start freelancing instead. Find something that you’re good at, or that people need, and start doing extra work after you leave your job every day.

Making Extra Money on your Side Hustle

There are plenty of ways that you can make money. If you’re like most people, you aren’t going to complain about having more money in your bank account. Don’t let anything stop you from starting a side hustle and putting extra dough in your pockets every month.

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

Five Money Updates – July 2017

How’s everything going in the money world?  I realized that I’ve been talking more on the lifestyle side of things and not as much as money.  I guess that happens after writing for so many years!  I just don’t like repeating myself.  But we have had some money updates over the past few months.  Here’s a few things going on.

We Refinanced Our Mortgage

We were in a 15 year mortgage with a payoff date in 2026.  This let us pay off a good chunk of our balance.  However, it wasn’t leaving us a good deal of cash flow, so I thought of a refinance.  I wasn’t interested in a home equity loan because of the cash flow issue.  With rates practically the same as our original loan, we decided to move forward with a refinance.  Since we used the same company, we also got $1,000 off of our closing costs.  The process was very smooth.

We Got New Appliances

We’ve been looking at new appliances for a couple of years.  Our fridge space was too small, so we were looking at an upgrade.  We ended up pulling the trigger over Memorial Day.  Sales were really good and we ended up getting a stove and microwave as well.  Why?  So we could have matching stainless steel in our kitchen.  I guess this probably means stainless steel will officially go out of style now after all these years!

Our House Needs Painting

The exterior of our house is primarily brick and vinyl.  But the trim around the edges and soffets is wood, and it’s looking pretty bad.  A number of pieces are rotted, so we need to find someone that can do light carpentry, caulking and painting.  I’ve got two referrals and will be looking for a couple of more.  Hopefully we can get this done before fall.

We’re Going To Mexico

It’s hard to believe but we’ll be celebrating our ten year wedding anniversary in September.  It’s been an amazing

Image from MorgueFiles courtesy of Lash.

journey.  We started saving a couple of years ago so that we could do something special.  We never decided just what that was until we settled on a trip to Mexico!  We booked at an all inclusive resort through Costco, and will be using accumulated Southwest points to take care of our airfare.  This is the first trip out of the country together.  In fact, we both needed to get passports, which we recently did!

I Got A Raise

It was nice to get an announcement last week that I’m getting a 3% raise.  That won’t turn me into a mogul or anything, but it’s nice to keep up with inflation.  This is the largest raise I’ve received in a while, so I won’t complain one bit!

How are things in your neck of the woods?  Post your money updates in the comments below.  Thanks for reading!

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

What Factors Determine Auto Insurance Pricing?

Shopping around for car insurance can be confusing.  Finding one that best suits your needs (and budget) can be just as intimidating.  What you have to realize before you even begin, however, is that while companies often differ in regard to the premiums that they offer to you.  There are several factors that will automatically result in you having a higher or lower premium. Here is a list of a few factors that can determine your auto insurance premiums, regardless of which company you go with for your insurance.

Demographics

Your age, gender, marital status, and where you live can all affect your auto insurance premiums.  If you’re under the age of 25, you’re statistically more likely to be in a car crash.  Insurance companies will put a higher premium on your policy.  However, if you are a student, many insurance companies will offer you a discount.  Don’t forget to ask about that if it applies to you.

In terms of gender, this is often tied in with age—specifically, young men tend to be in more crashes compared with young women.  However, the opposite is the case for the older cohorts.

Location

Image from morguefile courtesy of finance

Where you call home (or more specifically, where the car will be located) can have a major effect on your premiums.  Living in a big city with higher crime rates will put you on the path to pay higher rates.  This holds true no matter the company.  On the other hand, if you live in a small, quiet town out in the country, statistically you’re more likely to be safe from auto theft or vandalism and thus will likely have a lower premium on your auto insurance.

The Car

The type of car you drive plays a big factor in your rates. How old is your car?  What model is it?  What are the safety ratings?  These things have a big impact on your rates.  A car that’s rated as more safe will receive a lower premium than a car that’s rated as less safe.  While this seems obvious, many people don’t think of this when car shopping.

Additionally, larger vehicles tend to be safer than smaller vehicles.  Thus, they will often receive a lower premium.  However, if the engine itself is large compared to the size of the car, then the premium may be increased.  This means you, sports car drivers!

Your Driving Record

Are you a good driver?  Or have you been in more accidents than you have fingers on your hands? Someone who has never been in an accident will often get a lower premium than someone who has been in several.

These are just some of the ways that insurance companies come up with the premium for your specific insurance policy. Keep in mind, insurance companies often will also offer various discounts, so while you may suffer some “hits” from the factors mentioned above, you might be able to find other ways to save and thus reduce the overall premium for your auto insurance policy.

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

10 Thoughts On Our First Week Long Camping Trip of 2017

We generally do a week long camping trip twice per summer.  One is always over the 4th of July week.  We wrapped up our trip and it was a success.  I thought I’d share some of our (mostly) ups and downs, as well as a few laugh out loud moments.

The Popularity of Outdoor Activities Is Increasing

Driving on the freeway to get back and forth to the campground showed just how popular outdoor activities have become.  Michigan is always home to great summer activities and always has been.  However, even versus a few years ago, you can see a tremendous uptick.  The number of campers and boats shows that more and more have climbed out of the hole of the Great Recession.

Fireworks Don’t Work At 11:30

We’ve stayed at this campground before, but this was our first time staying for the 4th.  We were pretty excited when we found out that there was a fireworks display scheduled.  Everybody headed down to the lake shortly before dusk, which was around 10pm.  We waited, and waited and waited some more.  We’re quite a bit north and it was clear sky, so it didn’t get pitch black until past 10:30pm.  We figured they’d start then.  Nope.

It was a full hour after that before they started.  By that time, our kids had enough and were already in bed.  Our son was half asleep and enjoyed listening to them, anyway.  But, really, who in their right mind starts a fireworks display at 11:30pm?

A Bigger Gas Tank And Engine Saved A Stop

Most of our longer trips seem to be around 250 miles away from home.  With the old Buick towing, we would always have to stop for gas.  It was around a 20 gallon tank, and generally got around 10 MPG when towing.  I got a truck with a 26 gallon tank, and we averaged 12 miles per gallon, so we ended up saving a stop.  When towing, finding a gas station that’s RV friendly always adds another layer of complexity, so I was happy to avoid that part!

The Unlucky Made The Best Of It

Remember above how I said camping is more popular than ever?  This is especially true on the 4th, when just about every site in the state is booked.  We were able to snag two adjacent sites for our entire time, and they had a lake view to boot!  Others weren’t so lucky, but made the best of it.  Many people were able to get a stay at the park, but had to move sites at least once.  I saw one camper in at least three different spots.  Yikes!

Saving $80 Was Cool

We got a note a few weeks before our trip that the campground had been having sewer troubles.  They had a line break on three separate occasions.  During these, people that were camping couldn’t use the bathrooms or showers.  They had to use port-a-potties or pit toilets.  They allowed people to either cancel their reservation or offered a $10 reduction in fees to take the chance on staying.  Since we knew everything anywhere else was booked, we took the chance.  Thankfully, the bathrooms worked perfectly, so we saved $80 by taking a chance!

It Finally Got Easier With The Kids

When we started camping with our trailer, the kids were 3 and 1.  That was tough. Someone was always napping or eating or melting down and both needed pretty constant supervision.  The kids have grown, but even last year, neither was riding a bike without training wheels.  We always knew it’d get easier where they could be more independent, and this year it hit us that we were finally there.  Nobody needed a nap, they were flexibile with the meal times, and were able to do a lot on their own.

4th of July Trips Are Bad For My Awning

During the first year we had our trailer, the awning broke during a freak thunderstorm.  It almost happened again.  This time there was no thunder or rain, just wind.  We were sitting at the beach when it got really cloudy and dark and the wind started picking up.  In the five minute walk back, it was so bad that when we turned around, all we saw was a cloud of sand.  We ran back to the site and my in-laws and wife (who had walked back a few minutes earlier) were holding down the awning as it was bouncing around furiously.  Through the wind, we were able to get it rolled up, but it really seems that thing is cursed on these 4th of July trips!

Staying Healthy Worked….Sort Of

I wrote a couple of months ago that I knew these trips would put my fitness success at risk.  Between exercising less, eating more extravagent meals, and indulding in more alcohol, these trips had potential of derailing a lot of the success I’ve worked for.

Well, while I didn’t do great, I don’t think I did half bad.  I definitely found I was more strict at the beginning and

Image from morguefile courtesy of kzinn

less so at the end.  Still, I did pretty good on portion control and cutting back on my liquor intake throughout.  Snacking was the only area that I lost a little willpower on, but it was still better.  Plus, I ran three times during the trip.  Overall, this wasn’t perfect but it could have been a lot worse!

We Need New Meals

We’ve developed some pretty cool meals.  We have a good mix of campfire, grill, and comfort food meals.  But, many agreed that we’re starting to get a bit repetitious.  We never had a bad meal that I can remember, but very little of the dinners were exciting.  It’s time to shake things up, I think!

Tomato Plants Can Double In Size In A Week

We bought two little tomato seedlings at the farmers market back in May.  They grew quite a bit in the weeks before our trip.  Still, we were shocked when the doubled again in size in just the week or so that we were gone.  And it didn’t even rain!  The watering all came from our neighbors who helped us out.  Now, we have lots and lots of tomatoes on the way!

Readers, have you done anything fun so far this summer? What fun have you had or do you have planned?  Let me know in the comments below.  Thanks for reading.

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.