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Sep 212017

How to Tell When a Side Hustle Isn’t Worth It

By |September 21st, 2017|General Personal Finance|0 Comments

people-2592010_640To make ends meet these days a lot of people are picking up a side hustle or second job. Having a side hustle has a lot of benefits.

Some of those benefits include extra money, a backup plan to your regular job, and learning new job skills. But in addition to all of the positives, a side hustle may also have some downsides.

If you are wondering about your own side hustle there are ways to tell when a side hustle isn’t worth it.

1. Interferes With Your Regular Job

When you have a regular 9 to 5 job and you pick up a side hustle it can be difficult to juggle both at times. Schedules can get hectic and it can be hard to fit everything in.

Once a side hustle begins interfering with your regular job it may be time to end it. You certainly do not want to threaten your main source of income if you rely on it to keep your bills paid.

Ask yourself if your main source of income is important to maintaining your way of life. If so, consider carefully whether or not you should keep your side hustle.

2. Family Time is Non-existent

Along with the monetary benefits of a side hustle you may end up learning a new skill. However, it can be difficult to find the joy in it if you have no time to spend with your family.

It is important to spend time with your partner, spouse, or children. Otherwise you and other family members may begin to feel like all you do is work and sleep.

3. Doesn’t Pay Enough

One of the main benefits of having a side hustle is the extra income it can produce. You can use the extra money for meeting regular monthly bills or paying off debt. Of course, you could also use the money for trips or other fun activities.

But what if your side hustle isn’t generating enough income for any of these things? Why are you busting your tail, then?

For example, if you love crafts and plan to sew items to sell for a profit, are you charging enough to make it worth the effort? This is one side hustle it can be difficult to turn a profit in. People often forget to include labor costs for the work they do.

Once your side hustle isn’t paying for your time it may be time to do something else with your time.

4. Prevents Other Necessary Activities

In order to live there are certain household chores that we must all do. As an example, you must wash your laundry and do the dishes occasionally.

If your side hustle gets in the way of doing these things to the point that your home is a wreck and you can’t keep up, it may be time to throw in the towel. This is especially true if it is causing fights or hurt feelings with your significant other or spouse.

5. Causes Fatigue

Many people with a side hustle must cut their sleep hours short in order to find the time to work more hours. While this can be done for a short period of time it is harder to maintain over a longer period.

Lack of sleep can cause serious health issues including high blood pressure, increased susceptibility to illnesses, weight gain and depression among others.

In order to perform at your peak in your side hustle, regular job, and in other activities you must give your body the rest it needs. Continually short-changing it will eventually catch up to you.

Is the extra money enough to warrant the risk? Are you planning on turning your side hustle into a full time job?

Think about whether or not it is worth it to constantly feel tired and sluggish. If the answer is no, quit your side hustle.

Jeanne is a married mother of 2 grown children who works a full time job, has two side hustles, and also helps out occasionally on the farm she and her husband own together. Her background is finance and medical office management, and she hopes to help others improve their finances and change their futures.

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Sep 202017

Save Money By Becoming Your Own Landscape Architect

By |September 20th, 2017|General Personal Finance|0 Comments

We all like to save money, especially when it comes to our homes. Whether we are looking for a plumber or recreating our landscapes, we aren’t interested in spending too much. When it comes to our gardens and lawns, there is no denying that doing the work ourselves could save us a great deal of money.

While tools like the best gasoline powered string trimmer to care for our own lawns may cost more upfront, in the long run you will not only be saving the monthly expense of hiring professionals, you might end up saving on a gym membership because of all the exercise you will be obtaining by taking care of your own garden.

Create a vision

By this we mean that you should get an idea of how you want your landscape to look. Do you like the clean look of a well trimmed lawn with a few green shrubs or are you more into the wild garden look with tons of wild flowers? Maybe you want something in between.

Whatever it is you want, you need to figure that out and make a plan. Draw a diagram and plot where you will put each item. When you do this make sure to know a good deal about the type of grass, shrub or tree you are placing.

Each type of plant requires different kinds of sun and watering. If you are new to planting we suggest to start small. No need to overwhelm yourself.

Set a price

The whole idea here is to save money so don’t go crazy. Buy only the few tools you need and see if someone will let you borrow a few. If you don’t already own a lawn mower look online for sales. As we said earlier, the idea here is to save.

The best way to prevent overspending is to create a budget for the project and stop from going even a penny over. Keep in mind that if you are redoing an entire landscape it might be wise to take start small and allow yourself to build over time. Certain perennials grow back each season so you can plan around them the next spring.

Make it sustainable

Sustainable gardens are all the rage these days, and for good reason. Not only do you save money all season long by growing your own vegetables and herbs, you are doing your’s and your family’s bodies good by knowing exactly where their food is coming from.

If you are new to gardening, try incorporating a few tomato plants the first season and a cucumber plant. These both require a good deal of sun and watering. Make sure to research ways to keep rabbits out of your garden. Chicken wire works well if you are sectioning off your vegetables.

Start planting

Schedule a time when you will shop, when you will get your garden/landscape ready, and a time when you will get all of your planting done. This is why we suggest to start small if you are a beginner. Plants have only so long out of the ground or a well soiled pot before they begin to weaken. You want to make sure their time spent between purchase and planting is very short.

Be open to change

You may plant a few roma tomato plants this season but find that you prefer heirloom. This year you might go crazy with the basil and lavender but next you may want to add some mint and sunflowers. Also, there are different types of flora for all seasons. Mums are great in the fall so be prepared to continually work on this landscape. It will be an ever changing environment.

Keep it up

If you aren’t interested in the rainforest look in your garden make sure to keep your lawn trimmed and your weeds pulled. Even if you like your lawn a little overgrown, try to keep up with the weeds. They can overpower your other plants that you planned for.

This is where the work comes in. It’s fun to plant once, but keeping it all healthy is the true love of gardening. You may not think you’ll love gardening but we are confident that once you begin, you will become addicted because…

It’s good for you

There is a myriad of benefits besides saving money to creating your own landscape. The work reduces stress and boosts your immune system. The amount of vitamin D in your system will rise and your hands will strengthen. Also, the benefits of eating your own fairs bring all that good health to your insides as well.

Saving money is great. Staying healthy is also great. Becoming your own landscape architect will help you achieve both these goals.

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Sep 202017

Financing Your Health

By |September 20th, 2017|General Personal Finance|0 Comments

salad-374173_640According to the United States Department of Labor’s Bureau of Labor Statistics, the average consumer expenditure, during 2016, was $57,311, a 2.4-percent increase from 2015. During the same period, the Consumer Price Index (CPI-U) rose 1.3 percent, and the average pre-tax income per household increased 7.2 percent to $74,664.

Six of the eight major components of household spending increased in 2016. Of these, cash contributions showed the greatest percentage increase at 14.4 percent. This was followed by expenditures for:

  • Personal insurance and pensions, rising 7.6 percent
  • Healthcare, rising 6.2 percent
  • Food and housing, both rising 2.6 percent
  • Entertainment, rising 2.5 percent

The amount of money we spent on health care rose by 6.2 percent. The main reason for this was an increase in health insurance costs, which rose by 6.1 percent. According to a the US government, almost $1 in every $5 spent in the United States by the year 2024 will be directed towards health.

By the year 2024, national health expenditures are predicted to reach $5.43 trillion, yearly. Almost half of that spending (47%) will be paid for by federal, state or local governments, primarily through the Medicare and Medicaid health coverage programs.

The question to ask is why are we spending so much on health care? Why are our bodies “betraying” us in such ways that so much health care is needed? As stated by Desiderius Erasmus Roterodamus “Prevention is Better Than Cure.” Is it not better to look at what we are doing to ourselves to make sure we don’t sabotage our health on a daily basis?

How To Care For Your Health

There are many healthy nutrients, vitamins and minerals that  you should make sure to include in your daily diet. Omega-3 fatty acids are one of these nutrients, and usually not something you will come across in fast food. Omega-3 fatty acids have many benefits. They are a type of unsaturated fatty acid that has been said to reduce inflammation. Inflammation in the body can damage your blood vessels and this then leads to heart disease and strokes.

Omega-3 fatty acids have also been said to reduce irregular heartbeats, decrease triglycerides, reduce blood clotting, lower blood pressure slightly, decrease stroke and heart failure risk. Eating at least one to two servings a week of fish rich in Omega-3 fatty acids appears to reduce the risk of heart disease, particularly sudden cardiac deaths.

Where To Get Omega-3 Fatty Acids?

The easiest way to obtain Omega-3s is from fish. Fatty fish, such as mackerel, herring, salmon, lake trout, sardines and tuna, contain the most Omega-3 fatty acids and therefore are the most beneficial. This is great to know but also know that many types of seafood contain small amounts of Omega-3 fatty acids so you can include just about any fish in your diet for some added benefit.

Omega-3 Alternatives

When it is not easy or very affordable to buy Omega-3 rich foods, or you don’t like the taste of fish, another affordable and  maybe more desirable option is to ingest Omega-3 supplements. The ideal supplement should contain a high ratio of both EPA (eicosapentaenoic acid) and DHA (docosahexaenoic acid) plus other Omega-3 fatty acids. When choosing an Omega-3 product, it is important to choose from a reputable manufacturer. There is a wonderful Omega-3 supplement on the market with exactly the correct ratios of Omega-3 fatty acids. It is not always easy to find such a highly concentrated Omega-3 supplement dense in these fatty acids. Read this Research Verified review to learn more!

How Are We Destroying Our Health?

We are no longer paying attention to what we eat and following a healthy eating plan.Our consumption of junk food is at an all time high.  According to Partners For Your Health, the average American spends an estimated $1,200 on fast food every year. Children consume an estimated 12% of their calories from fast food. 20% of all American meals are eaten in the car and the drive-through and fast food restaurants have become frequent places to eat.

So What Exactly Is “Fast Food”?

Fast food is mass-produced food that is prepared and served very quickly. The food typically, has  less nutritional value compared to other foods and dishes. Whilst any meal prepared very quickly can be considered fast food, typically the term refers to food sold in a restaurant or store with preheated or precooked ingredients, and served to customers in a packaged form for take-out.

Due to franchising, there are more fast food restaurants out there than “normal” restaurants.  Many people find fast food restaurants very convenient, particularly with our busy lifestyles,  because they offer drive-through options and “food-on-the-run”. And even when they don’t, you get food served very quickly without needing to think about what to prepare in your own kitchen.

What Fast Food Does To Your Health

According to the American Heart Association, fast food is high in trans and saturated fats which raise blood cholesterol. This puts you at major risk for heart disease and strokes. Fast food also contain a lot of sodium which raises blood pressure. Too much sugar and fat can lead to obesity down the road. Both high blood pressure and obesity contribute towards heart disease so it is very important to pay attention to the food we put in our mouths

According to Centers for Disease Control and Prevention, about 610,000 people die from heart attacks each year in the United States. This is a phenomenally high ratio of 1 in every 4 deaths per year linked to heart disease. Furthermore, approximately  735,000 Americans experience non-fatal heart attacks each year, with 525,000 of these being  first time heart attacks while 210,000 cases are related to  people who have already experienced a heart attack.

In essence, the best way to finance your health is to take on healthier eating habits, exercise and take supplements that protect your health. This should protect you from spending the estimated millions on treatments, doctors’ visits and hospital procedures. Some things are easier to prevent than to cure!

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Sep 182017

How Much Money Do You Need To Start An Amazon FBA Business?

By |September 18th, 2017|Blog|0 Comments

How Much Money Do You Need To Start An Amazon FBA Business-_1You have heard or seen people making tons of money on Amazon by selling FBA (Fulfilled by Amazon). You think it sounds amazing and would love to get started yourself.

But the fees and the amount of money you have to invest to get started are confusing, scary, and just plain overwhelming.

How much money do you need to start an Amazon FBA business? And when can you expect to see that money come back to you? (more…)

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Sep 112017

Is Credit Sesame Safe?

By |September 11th, 2017|Blog|1 Comment

Is Credit Sesame Safe-Have you ever watched one of those commercials about checking your credit? One person is constantly checking and the other doesn’t see the reason to check your credit. Though yes the vast majority don’t know what their credit score is, they know that it’s important.

With so many ways to check it though which one is right for you? And, more importantly, how do you know your information will be safe?

Credit Sesame boasts helping with your credit, but is Credit Sesame Safe?

Is Credit Sesame Safe?

Put simply, yes Credit sesame is safe.

First, Credit Sesame asks for only the last 4 of your social, your name, date of birth, and address. After that they have YOU confirm information to make sure you are who you say you are.

Second, though your information is safe, that doesn’t mean they can’t share your information with other companies. Though they won’t share your information that doesn’t share your personal information. Things like age, state, household income, etc.

So no they won’t give people your email, social, or other information. But they can also sell some information about you.

Why Use Credit Sesame?

Checking on your credit is important, why not use one of if not the best credit monitoring technology? Not only that but it’s free.

If that wasn’t enough they also offer a free $50,000 identity theft insurance which can come in handy if you do lose some money.

What will Credit Sesame Do For Me?

Credit Sesame will keep track of your credit score, but that’s kind of like saying a swiss army knife will cut wood. It’s true but it can also do so much more.

The first thing you’ll notice is that you are given “actions”. For me, the first two were to get new credit cards. One to increase my well over $40,000 credit limit and the second to “reward myself” with miles or points.

The third made more sense, save 4 months of income as an emergency fund. For people trying to get out of debt that is a great idea, actually for everyone. They did give partners to work with, however, it required a $10,000 minimum which was far more than 4 months income for me.

The fourth “action” Credit Sesame gave me was to consolidate debt. Now I don’t have much credit card debt left because I already consolidated, but what I do have could definitely be consolidated further. It would bring my payments down to only 2 with a much better interest rate.

Looking around Credit Sesames site will show your credit score and grade, as well as your credit card utilization. But I think my favorite tool is the “borrowing power”. This takes your income, debt ratio, and credit score to show how much you could increase your credit. It starts with credit cards, then shows personal loans, and finally how much of a mortgage you could get.

With Credit Sesame Your Future Is Bright

Using Credit Sesame to see how well you are already doing, and what you can do to better your financial life can change your life.

Maybe you finally get out of debt, or you save up and get that little house you’ve always wanted? Whatever the case you’ll be better off using and knowing that Credit Sesame is safe.

 

Disease Called Debt

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Sep 52017

Cutting the Costs of Fibromyalgia

By |September 5th, 2017|Blog, Life|0 Comments

health tips, health issues, sickness, cutting costs

Nobody likes to be sick. The common cold is bad enough, with sneezing and coughing for days or even weeks. However, the sad reality is that many people will become sick with illnesses far worse than a cold in their lifetime. Modern medicine has progressed enough to be able to alleviate a lot of suffering and cure many kinds of illnesses. However, the financial cost of being sick can sometimes be overwhelming.

 

Take Fibromyalgia for instance. This is an illness that can cost people tons of money trying to fight. Fibromyalgia is a disorder that causes people to have chronic pain that eventually leads to insufficient amounts of sleep. Sleep deprivation then impacts the immune system leading to even more problems. So how exactly do we arrest and reduce the costs of having Fibromyalgia.

 

What are the Symptoms of Fibromyalgia?

With Fibromyalgia, people often experience large bouts of pain throughout their bodies. They can also suffer from tender points in their bodies, such as joint pain. When pressure gets placed on these tender points, it is a great cause of discomfort for the person in question. Some people experience the pain as it comes and goes while others feel it all the time. The pain can be felt in the muscles, tendons as well as the joints.

 

The Problem

People who are often in pain will frequently have difficulty staying asleep throughout the entire night. They will wake up during the night due to waves of pain. This is also the case if they happen to turn over, and there is a large amount of pressure on a tender point. This is part of the reason why people with Fibromyalgia usually wake up in the morning feeling tired and unrested. They usually don’t get to have the required amount of sleep during the night. This is a problem because you will feel the need to buy medication to sleep soundly. Even if your doctor has given you a prescription, not everything will be covered for you. If it doesn’t work, then you might have to resort to over-the-counter medicinal supplies. Sleeping pills are a common drug that people find themselves buying to get to sleep. All these medications can amount to a huge sum of money if you do not find an answer to your fatigue.

 

Get the Right Mattress

A major way that you can help yourself save a lot of money is by investing in a new mattress. A good mattress may cost a bit more than you want to spend initially, but it will save you money in the long run. A good quality mattress can last for years, and it can help you with your Fibromyalgia symptoms. This way, you will not need to continually spend money on medicine.

 

They may have caused you health and financial issues in the long run if you continued taking medication. A mattress for Fibromyalgia will be more comfortable than a regular one. It will alleviate the pain from your joints so that rolling over can be done simply and easily. It will also form a protective cocoon around your body so that you are shielded from the recoil of movements. There are many places that specialize in making particular mattresses. Do your research and find one that can assist you with your battle against Fibromyalgia. It may help to go and try out a few different types of mattresses. Some places will let you return them if they do not work for you!

 

Conclusion

Fibromyalgia is a nasty disorder. It can rob people of their energy and their zest for life. However, it does not have to be a complete game-changer! One big step you can take to manage the pain that you feel is by looking for the proper mattress. Take your time before deciding, there are lots of choices out there! By reducing the amount of pain that you feel at night, you can finally get a sound sleep! The best part is that you are saving money by not having to buy sleeping pills and other medicines that might not even work for you. Saving up and investing in a great mattress could be the better option for you.

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