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I really need some help my followers

Hi college is so expensive and my family has gone through a lot this past year with my mother and sisters and I could really use some help whether it’s a dollar or twenty! I know there’s many people who know how this situation is and have overcome it

Rather than love, than money, than fame, give me trends.

These blogs are the treasured wealth of the world:

This has been trends. Check ya later.

Originally posted by radfudgesicle

Header image via arcticlarriepakicreampuff

Ways to Make Money:

Become a task rabbit. If you have a skill, whether it’s wrapping presents, helping with a house move, you can be a tasker.

Sell your photos online. If you have a camera and photos, then you can offer them to photo companies, like Shutterstock, who will put your images on sale and give you a cut.

Become an avon representative. This can be very lucrative. All you need is an outgoing personality. It’s easy to apply and you get a commission on every item you sell.

Get crafty. Sell what you make, either at fetes/in shops or on Etsy.

Rent out your possessions. Rentmyitems helps you rent out anything that could be of interest to someone else. More info here.

Teach a course. If you’re good at something, why not teach other people to do it too? You can either run a face-to-face class and advertise locally, or post a course on Udemy and generate income every time it’s downloaded.

Rent out room or your garden. Rent out your entire home, your spare room, an airbed in your living room (or even your garden to campers) on Airbnb. You can register as a host here.

Get rid of old devices.  Listing them on eBay is your best bet, but there are also companies who will take them off your hands more easily. Here’s a good guide.

Sign up for swagbucks. Swagbucks pays you in points for doing things you’d probably do online anyway, like searching the web and watching videos. You can then swap those points for Amazon vouchers and more. More info here.

Become a virtual assistant.  If you have a few hours spare in the evening to help a busy professional book flights and make calls; sites like Elance, Upwork and PeoplePerHour are a great starting point. You’re often working for people in other time zones, so plan accordingly.

Do surveys. Have a look at MySurvey.

Sell your college notes on FlashNotes, StuviaNoteSurf.

Advertise a service on Fiverrr.  This “five dollar marketplace” actually lets sellers charge up to $300 for services such as recording and animation by adding on extras. Find out more here.

Cook. You can make profit from bake sales. Find a local market or boot sale and get baking.

Sell your hair. Look at buyandsellhair

Trade in. There are quite a few sites that allow you to trade in old CDs, DVDs, books, and games for cash. You can find a great guide and list of the best paying sites here.

Hold a car boot sale. Or visit one, get some bargains and sell them on for a profit.

Get paid to review music. Music and fashion site SliceThePie pays a small fee for every song or outfit you review, though the amount increases as you build up a solid reputation. Find out more here.

this is the second part of our financing series. part 1 is here

Making a budget can be difficult and confusing and might be the hardest part of staying on top of your personal finance. Here at coffeeplanner, we’ve broken this down into 7(ish) easy steps.

1. CHOOSE YOUR MEDIUM

will you be using pen and paper? the notes app on your phone? or a fancy personal finance app on your phone/tablet/computer? Choose whatever you think is easiest and most accessible for you. As a student you’re almost always on the go and it’d be pretty handy to have your budget with you.

2. CHECK THAT CASH FLOW

do you have a job? are you relying on the student loan gods? Understand where your money is coming from. This means not just knowing whose money it is, but how often you get more money and how much. When/how you get your money is the foundation of any budget.

3. TRACK EXPENSES:

when first creating a budget, it can be hard to estimate how much money you need per category. For a week or two, spend as you normally would and track those expenses. This will be the basis for your budget. Avoid modifying your spending habits because this will skew the results.

4. CREATE CATEGORIES

where do you usually spend money? meals? snacks? transportation? create a list of categories where you usually spend money. Try to be a little specific because categories like “food” can get out of hand pretty quickly when you’re a student. So try something like “meals,” “coffee/tea,” “snacks” instead, so you can know more accurately where your money is going!

5. SLICE AND DICE

now that you know what you’re spending, add up the totals for all your categories and see where cuts can be made. Are you spending $5 a day on coffee? cut that down with a coffeemaker and instant coffee. This is the true “budgeting” part. Try to keep limits/goals realistic, but absolutely within your spending capabilities. Even if you only save a couple dollars a week, it will definitely add up!

6. INCLUDE A BUFFER ZONE

we all know those days/weeks when you just can’t with life anymore, and for those days sometimes the only thing that can help is a tub of ice cream and/or a movie with friends. This is what your buffer zone is for. Set aside a small amount of money each cycle for emergencies like self-care or a late night taxi ride. Whether the money leftover is transferrable between cycles is up to you, do what works for you.

7. COMMIT

a budget only works if you stick with it. Using the money you save, you can treat yourself to something small each cycle to keep up the work! Staying in budget is hard, but totally do-able. You got this!

// budgeting apps

wally - free - iOS/android - an easy-to-use expense tracker. keep track of what you’re spending in different categories and save pictures of receipts so you don’t have to carry them around!

mint - free - iOS/android - the heavy-duty personal finance app. American based, but works for many different countries.

Money Makes Her Smile and So Does Knowing What to Do With It: What To Do With Your Allowance, Tips, Or Donations

Become a New Money Girls Art Collector

I made more money in a weekend than I had in a month. Then I did it again the next weekend and the weekend after that. As I counted my cash and tried to figure out where to stash it, I wondered why i hadn’t considered sex work sooner. I was giddy with excitement. I went wild. I bought anything I wanted and a few things I didn’t even like. Who cared? I could do what I wanted. More money was coming.

I didn’t realize that money in this life doesn’t come in a constant stream. It comes in tides: high and low. It’s the smart woman that can handle both with aplomb.

I wasn’t always smart. There came a time when I had a closet full of designer goods, thousands of Instagram likes and comments, and no idea how I was going to pay my rent or buy food. I only needed to experience the panic inducing feelings associated with scarcity once to decided that I needed to make a plan and stick to it. I’d prefer that you never know the feeling of scarcity so I’m going to share my plan with you.

Money is a tool. Know how you plan to use it. What are the things that your money absolutely has to do for you? Rent, groceries, utilities, car payments, insurance, and gas? Write it all down and don’t try to budget or dream here. You spend $100 on food a week but wish it was $50? That’s great, muffin. Wishes are fantastic things and I never want you to stop collecting them. But they have no place in a working budget. Be realistic about the places where you have to spend money and how much you’ll be spending.

Save. You knew this one was coming, yes? I’d like you to be able to quit sex work and have a year to figure out what you want to do next without seeing a change in your style of living. That’s right. A year of bills and indulgences put aside. Is this easy? Absolutely not. It requires you to hustle and avoid the temptation to ball out. But you can do it. At the bare minimum, you should have enough money to cover the slow season. Know your industry. Know when the money doesn’t flow in as quickly and get ready for it. For me, the slow season starts around the holidays and ends at the beginning of March. I put aside money all year to make sure I’m ready for it.

Pay more than they’re asking. I’m three months ahead on my rent. I’m 6 months ahead on my phone bill and a few other utilities. Every credit card is paid off at the end of the month. If you know that you can’t have cash around without spending it, this is a great way to “save”. My rule of thumb is to always pay 1.5-2 times the amount due for recurring expenses when possible. If your phone bill is $125 and it’s been a good month give them at least $188.

Pay down your debt aggressively. Your credit score is important. You won’t always be able to or want to pay cash for everything. Protect your credit at all costs.

Don’t deny yourself. We don’t do things that don’t feel good. Most budgets are about denial and scarcity. Is it any wonder that most of us can’t stick to them? What do you love? What things are an ingrained part of you daily routines and habits? What makes you happy? For me, it’s documentaries, new books, flowers, shoes, brunch and going to the movies alone. These things are included in my monthly expenses. My budget covers Netflix and Hulu, 2 new books a week, fresh flowers twice a week, at least 2 new pairs of shoes a month, weekly brunch, and solo movie dates. These are things that I save for so that I can enjoy them year round, even during the slow season.

Cut the unnecessary. Confused? It’s okay. I did just say not to deny yourself. However, there are things we buy that we know we don’t need and will probably never use. Do you have clothing you haven’t worn in six months but you’re constantly introducing more clothes into your closet? Shopping constantly isn’t a necessity for you. At least, not on your dime. Learning to curate and build outfits from what you have may be what you need to focus on instead. Are you constantly buying groceries and promising yourself that you’re going to cook only to throw away spoiled food at the end of the week? Either find meals that you’re excited to cook or change your purchasing habits. I hate cooking every night for one so I cook all of my meals for the week in one day and I choose recipes that are simply and quick. Find the unnecessary excess in your life and replace or eliminate it.

Get health insurance. I don’t know about you but I have no intention of saving a year’s worth of living expenses only to watch it all go to unexpected medical bills accumulated in a matter of weeks. Protect your savings and health. Get insurance. Ignore the voice in your head saying you’re healthy and won’t get sick. No one thinks they’re going to suddenly be ill or break a bone. Get insurance. It’s far easier to pay a few hundred a month for insurance than it is to suddenly have to fork over a few thousand.

Get professional help. It’s easier than ever to get access to legal and accounting professionals. Businesses like Legal Resources offer almost unlimited access to an attorney in your area for $20 a month. And the peace of mind that tomes with knowing you have a lawyer to answer your questions or represent you if need be is worth its weight in god. The same goes for having an accountant.

Invest in yourself. Money is a tool. How will you use it on your path to success? What are your dreams, goals, and passions? If you’ll be paying for them with your own money, do you know how much money you’ll need? This includes everything from gym memberships to continual education classes and materials and equipment if you’re a creative. Also think about the things you need in your current profession. Do you need more or different clothing? Regular personal upkeep? Tools? Budget for all of this.

Live within your means. This is perhaps the most important thing we’ll discuss. You don’t need anyone’s approval but your own. You don’t need to measure your success by anyone’s standards but your own. Don’t be fooled into thinking that you need to prove you’re a success by amassing a collection of objects. Financial security is more important than a strangers fleeting approval or admiration. Keep your eyes on your path and turn a deaf ear to those who would want you to stray from it.

You are going to be successful. We both know it. You cannot help but succeed when you commit to your path. I want you to be ready for it. I want you to use your money as a tool to propel you forward. You can do this. You deserve this. I believe in you.

My name is Zoe and I am a New Money Girl.

I may have needed this more than you did. I’m guilty of going a little wild when money hits my hand. Thankfully, I’ve made a plan following the outline Zoe gave and I’m on my way to using money as the tool that it is. Tomorrow, we’ll meet Janine. I think you’re going to like her.

Don’t care because you’re in love with Zoe and everything she represents? Don’t let the love die. Bring her home. Become a New Money Girls Art Collector