With the new year fast approaching, taking an inventory of your financial well-being can shape how you look at future years to come. Analyzing the progress you’ve made, whether it is building up that savings account you opened or hacking away at your student debt, are wins you should take pride in! There are also areas you may have stumbled, maybe you had to take money out of your savings account or you used your high-interest credit card a bit more than you would have liked and those balances are a little too high. These roadblocks happen, life happens, a pandemic even happens; you assess the damage to your progress and go from there.
Investing is a scary word for most people. Because of the fear it strikes into our hearts, this often means that most people don’t take advantage of it beyond 401Ks (sometimes not even then). That’s why Ksenia Yudina, former financial hotshot — I guess now an even bigger financial hotshot — started her own app that helped parents start investing for their children. No complicated process necessary. In fact, with her new investment app for kids, you can create a successful investment plan in less than 5 minutes based on the age of your children and your financial goals.
During quarantine, like a good chunk of 30-something moms, I casually hopped on the TikTok bandwagon. I started the usual way, trying to copy dance moves and memorize voice-overs that I had seen. As much as I liked viewing content, I did not like spending such a huge portion of my day dedicating time to memorization. It seemed like TikTok wasn’t for me, but then, one day on a whim I shared a new kind of video and since then my TikTok has taken off. Now I’m fully understanding how people are making a killing with TikTok and are getting paid to create fun videos. If you’re already a secret TikTok junkie, here’s how you can turn it into a mini side hustle.
In February of 2020, I was killing it at girl bossing, presenting at conferences, and rocking a marketing fempire bringing in $12,000+ a month. By April of 2020, my business took a hit and I was struggling, bringing in about 10% of that per month!
At the same time I was in need of income to pay my bills, I was quarantining in a city where I had no friends or social outlet, so I decided to hill two birds with one stone – by making money and helping people through Instacart + Shipt Shopping.
After applying to be a Shipt and Instacart Shopper and dabbling with it for a few months, I learned these tricks & tips on how to increase the hourly rate I can make on these personal shopping platforms.
If you are detail-oriented and looking to make some side hustle income, here are 9 tips to increase your hourly rate on Instacart and Shipt delivery services to $25 to $30 per hour.
I have always had a love for taking photos, that’s for sure. When I was 12 I used to use my allowance money to buy disposable cameras from KMart and then have them developed a week later. The one-hour film development guy and I were on a first-name basis. If you don’t know what film is, you can learn more here. Anyway, beyond taking 18 secret pictures of my crush and 6 of myself (I would like to think I invented the selfie), I had no photography experience when I started my own photography business at the age of 23. Now, with the technology, most phones offer I want to share some strategies on how you could start a side hustle as a photographer using only a camera phone.
It has been a hot minute since I have talked about budgeting methods and a big reason is, we’ve shifted the way we budget in a big way. Since I was such a proud member of Dave Ramsey’s Financial Peace community, I almost felt a shame after switching my budgeting practice to be a little different than dear, old, Dave’s. However, after walking a friend through how to set up a budget, it occurred to me that I need to share this with more people! Here is a breakdown of the 5 bank accounts we have (trust me, it’s not that complicated) and how we use them to budget less and boost our credit.