Showing posts with label Making Money. Show all posts
Showing posts with label Making Money. Show all posts

Wednesday, February 19, 2014

Using Your Talents to Help Debt Disappear

I've always had an entrepreneurial spirit. As a kid I sold other kids "bicycle insurance". The insurance got them a flat tire fixed without needing to buy a patch kit or to do it themselves.  I'm pretty sure I stole that idea from Triple A.  In high school I created hand-painted sweatshirts that my mom would sell for me at her job at the Post Office.  As an adult, I've always been interested in art and became an art teacher years ago before I started working as an administrator in higher education.

Art is one of those things I can lose myself in.  Time seems to fly and I won't even notice or remember to eat lunch or dinner. A few years back, I started selling things on Etsy. I find a lot of happiness when I am creating something for others.  It wasn't until I ventured into the world of graphic design while working at a university in Nevada that it all made sense.

Graphic design is something that people use or see everyday and these days, more and more people request the services of a designer.  I took notice of this last year when a graduate student I supervised talked about how she was getting so many clients as a freelancer that she was struggling to keep up.  That conversation spawned more discussions over the next couple of years and with a lot of thought and consideration, I took the plunge and entered the world of freelancing with my site Diablo Design.

Taking something you love and figuring out a way to make money doing it is something that can help you get out of debt.  I've had friends ask me how I find time to do all of these things and work my full-time job. The answer is that I'm motivated.  Motivated to be out of debt and motivated to make money to pay my bills on time.  Motivated to have money in my pocket to do more things for fun.

Not everyone has an artistic talent to do something like this but they probably do have a talent that others are willing to pay money for. Have you ever given any consideration to what service you might offer someone? Your talent may be proofreading.  There are tons of people out there looking for that type of service. You might have a knack for writing and really enjoy sharing your words with others - you might want to share your writings by doing some self-publishing like the a friend of mine has done (she's now on her second book - Go Tumika!).  Are you a person who's handy on a sewing machine? Spread the word that you know how to do a few things with needle and thread.  Perhaps you're an awesome baker.  Bake those cakes and pastries and sell them!  The list of talents is seemingly endless. 

I remember how my grandmother hustled.  She sewed. She baked. She catered events.  She used her talents and her personality to sell things she could make and she never had a full-time job that I knew of.  Those things she would sell were her full-time job!

How does someone get started?  Like Nike says, "Just do it". You start by telling friends that you have services to offer. You tell co-workers.  You get on social media and scatter your skill set across the world wide web.  You take risks.  Not financially that is - that's how we got into this mess as it is but you can do what you can with the means you have available.  The rest is all "learn as you go".

When I first started out back in 2002, I felt as though anyone with a serious passion to sell services had a website. I spent money on this (years ago) and failed.  You can't be afraid to fail. You have to believe in yourself and in your talents that you will succeed. And you have to repeat to yourself that you must succeed in order to pay off debt.  At least that's what I told myself.

Take some time and consider what services you have to offer to others. Is it something you'd be willing to pay for yourself?  Is there a demand? Who is your audience?  Here's a great article on this very topic that may give you even more insight on how to begin.

I'd love to have a full-time career as a graphic designer and be my own boss. I'm working on getting closer to that dream. For now, I'm working on getting closer to being debt-free.

Educate. Empower. Economize.

Monday, May 20, 2013

Keepin' My Head Above Water

On my drive home from work I was thinkin', "What did people do before all of these credit cards?"  Then I thought, "Wait.  Credit has been around for ages.  What's happened is that people have learned to abuse the system and companies have learned to take advantage of those abusers."

It all makes me think of the theme song from Good Times.




I've been keeping my head above water. Making a way where I can.  There are no temporary layoffs, or easy-credit rip-offs. Just good old fashioned downsizing. Living without  roommates for about a month now doesn't allow for that extra income.  I also haven't used my credit card since my trip to Las Vegas in March.  Mind you, I only have one left after consolidating all of my credit debt (credit limit of $300). 

When I started thinking about all of this, I started thinking about how not having credit cards and relying on cash finds me with more cash each week - still being able to put money into the 52 Week Money Challenge. It has also helped that I have been getting hired to do freelance graphic design projects! 

One of the tricks I use is giving myself the, "Do I really need this?" assessment. It's actually helped me control my spending and  I only buy what's necessary and don't really go out on the town much.

This is truly a case where less truly is more... more money in my bank account.

Educate. Empower. Economize.

Sunday, May 5, 2013

Roommates Make a Difference

Hey folks!  I'm back.  Yep, it's been a while and there's no excuse for that. But, hey... I'm here
writing. 

It's been nearly a month since my two roommates have moved out.  I would be lying if I said that I miss them.  What I miss is their money.  It's not that they were awful roommates.  They most definitely were not.  Probably the best roommates I've had since my senior year of college.  I just happen to like the solitude of the space in general. They weren't loud at all and it was definitely a treat to come home and have people to chat it up with for a bit then go out separate ways in the house.  I think what made the experience nice was that one of the renters is a friend of mine from my college days.  We already had a rapport.

Now that there's no more money coming in, I'm back to fitting the bills all alone. I have considered getting another roommate. I have a friend who is weighing his options with regard to signing a new lease or moving into my house in August. We get along well, so I don't foresee any problems.  Best of all, it would only be for 6 months!  I love a short term situation. 

Sometimes you just have to do things you're not completely comfortable with in order to get yourself out of another uncomfortable situation.  In hindsight, had I not took all of those student loans out I wouldn't be paying back nearly as much... Had I just sucked it up and paid the loans when they first went into repayment, I'd probably be paid off by now.  Had I not gotten all of these credit cards and paid them off only to run them up again, I'd probably not need a roommate. However, I did and this is my life and I am "handlin' my business".

So, you see, there is a nice span of time between now and August.  No extra money coming in and me trying to save money as well as pay all my bills during that entire time!  I'm still on target for paying off my credit card debt (haven't missed a single payment) and I have made every payment on my student loans without fail. 

What's a man to do to keep his head above water in the interim?  He gets his hustle on!  I'm clipping coupons and saving my coins!  Oh, and selling things online.   If you'd like to check out what I sell, visit Five Loves Artistry, Brilliant Banana Tees, or my Etsy shop!

As Prince wrote in his song, "America", "..may not be in the black. but (s)he's happy (s)he ain't in the red."

Any other money saving tips from readers are welcome!  


Wednesday, February 20, 2013

When Having an Opinion Pays: Epinions.com

Here's a way to make a little $$$.  All you do is write reviews of products you've purchased. I've made $227 and I hardly write reviews! What reminded me was that I randomly had money deposited into my PayPal Account last night!. :)  

Granted, I have been using this site since 1999.  However, I wrote really good reviews on products that produced a fair amount of money for just sharing my opinion.  The opinions stay on the site and continue to generate funds.  I like that!!!

To give you an example, I wrote a review on an Outdoor Antenna back in March 2012.  Since then, I have generated $20.45 on this ONE review. 

I wrote an opinion on Capital One Credit Cards that earned me over $15 and warranted a call from Capital One that resulted in forgiveness of some of the debt and a lower interest rate.  This is the only credit card I have maintained after going into my credit counseling program. 

If you choose to use this site, keep in mind that you really need to write clear, personal accounts of the product or service and put as much detail in it as possible.  Rule of thumb, if you were looking for input from other users on that item, what would you want to know?  When the reviews are well written they are rated higher and get more views - and THIS is how you make money!

Bottom line - We all buy and use products, so why not get the extra bonus of making money on your thoughts on them?

Visit my Epinions page!

Educate. Empower. Economize.