What If I Had a Zero Credit Score? The Pros and Cons…

zero credit score

If you’re new here, you may want to subscribe by email and receive my free eBook, “101 Ways to Make More Money”! Thanks for visiting!

Do you have a credit score of 740 or more? Well then you must be a financial success! Or maybe not….

What does that credit score really mean?

According to MyFICO.com, a credit score is made up of five categories:

Payment history – do you pay your bills on time? Amounts owed – the lower the balance the better (but not stagnant at zero) Length of credit history – the longer the better New credit – some is okay, too much is a red flag Types of credit used – it’s best if you have credit cards and installment loans (car loan, student loans, etc.) and manage them responsibly

So let’s step back for one second here. After reviewing these five categories, . . . → Read More: What If I Had a Zero Credit Score? The Pros and Cons…

How to Apply Maslow’s Heirarchy to Your Money This Year

Hierarchy of Needs

You might vaguely remember your psychology teacher talking about Maslow. He pointed at a picture of a triangle as you nodded off in the back of the school room.

But that triangle might mean more than you think. Today, I’ll give you a refresher course on Maslow’s Hierarchy of Needs and tell you how this applies to your money. If you’re missing a rung in this ladder, this might be the “aha” moment you’ve been seeking.

This post has been written by Jamie Jeffers, our talented staff writer. Enjoy!

Maslow developed his needs theory in the 1940s and 50s. Psychologists, teachers, businessmen, and others have used his theories to help motivate people ever since.

The theory is often portrayed as a pyramid with a wide base. The bottom needs should be fulfilled first. Without basic needs being met, it will be harder to motivate someone to care about the . . . → Read More: How to Apply Maslow’s Heirarchy to Your Money This Year

10 Things You Need to Do to Set Your Blog Up for Success

set your blog up for success

If you’ve been on this site for more than 5 minutes, you already know that I’m a gargantuan (which is much bigger than huge by the way) fan of starting your own blog.

I started this blog in 2010 and I’ve earned more than $100,000 because of it – heck, Penny Hoarder even featured me in a post about it! It’s been a fun ride to say the least, but now my mission is not just to keep earning money online, but to teach you how to do it too!

In order to get you started with a bang (meaning…getting you some visitors and pretty soon, some MONEY!), I’ve committed to writing one post every couple of weeks to help you grow your blog bigger than you ever thought possible.

In case you missed some of the prior posts, here’s a list of what I’ve written already:

Start Your Own . . . → Read More: 10 Things You Need to Do to Set Your Blog Up for Success

100+ Ways to Make Money on the Side

Make Money on the Side

Is your salary lower than you’d like? Are you dissatisfied with your job? Have you ever wondered how you could make money on the side?

I had these same exact thoughts 6 years ago and that’s exactly the reason I started my blog. This single decision bumped my side income up to $10,000+ a year and it also improved my day job salary because I was proving my interest and skill in finance. If you’ve thought about blogging on the side, I would highly recommend it. In fact, here’s a step-by-step tutorial that shows you how to set up your blog for less than $24!

100+ Ways to Make Money on the Side

If you’d rather stab your eyes out than start a blog, then I’d suggest looking to these five other fantastic sources. All combined, there’s more than 100 ways to make money on the side here.

Let . . . → Read More: 100+ Ways to Make Money on the Side

How to Monetize Your Entire Life

How to Monetize Your Entire Life

At this stage in my career, it’s pretty safe to say that I’ve found a way to monetize my entire life. That is to say, I can make money just by being myself.

This post has been written by Amanda Abella, an amazing writer and speaker in personal finance.

The ability to monetize your entire life is no longer a pipe dream thanks to social media. How many “celebrities” are out there simply because they learned how to monetize their names on social media? The Kardashians make millions and YouTube is full of “celebrities” who make money with content about their lives.

While it personally took me a while, I’ve learned how to make money with content from my life as well. Here are some tips on how to monetize your entire life.

Create a personal brand

The first step in learning how to monetize your entire life is to . . . → Read More: How to Monetize Your Entire Life

5 Things To Do With Those (Inevitable) Unwanted Holiday Gifts

5 Things to Do With Those Unwanted Holiday Gifts

The Holiday Season has recently ended. And, as we all know, with the holidays comes the receipt of well-meaning gifts that we do not need, do not want and will not use. A recent survey indicated that 42 percent of women had received an unwanted gift during the past holiday season alone (and from their husbands no less).

What To Do With Those Unwanted Holiday Gifts

In the past, unwanted holiday gifts tended to end up cluttering closets, attics and garages, or inevitably ended up in the trash. However, these days people are becoming increasingly thrifty and inventive during the holidays when it comes to gifts that have to go. Here are five great tips to help you make the most of gifts you just do not want.

This post has been written by Will Lipovsky, our talented staff writer.

1) Return Them

Don’t leave that unwanted holiday gift . . . → Read More: 5 Things To Do With Those (Inevitable) Unwanted Holiday Gifts

8 Ways to Earn a Passive Income Without Rental Properties

earn a passive income without rental properties

Rental properties. People either love them or absolutely hate ’em.

Personally, I love rental properties and wish I had ten of them right now. Our rental is fully paid for, its value has already gone up considerably since 2015, we get our rent on time every month, and we do absolutely nothing! In my opinion, rentals are one of the best forms of passive income ever!

But, many of you don’t share my enthusiasm when it comes to rental properties. You can’t stand dealing with people, you hate making multiple repairs a year, you’re no good at running background checks and finding good tenants, and you’ve probably had 101+ other bad experiences when you tried to make a buck in rental properties back in the day.

You simply don’t. want. to mess. with rental properties. any. more.

Got it.

So let’s look at some other fantastic ways to earn a . . . → Read More: 8 Ways to Earn a Passive Income Without Rental Properties

My December 2016 Blog Income Report

December 2016 Blog Earnings

I started this blog over six years ago, and it’s been a great money maker from the very beginning. I’ve had a ton fun writing for all my readers while getting paid for it, and now I feel like it’s time to teach others how to do it as well!

I’ve always been told that one of the best ways to teach is with real-world experiences. So I figured, “Why not show my readers how this blog earns money? That way, they could figure out how to earn money with their blogs as well!”

Oct 2016 Income: $293.04 Nov 2016 Income: $589.24

For all of you that are interested in starting a blog of your own, check out this awesome step-by-step resource I put together to help newbies get started: “How to Start a WordPress Blog For Just $24“.

My December 2016 Blog Income Report

Just like in November, . . . → Read More: My December 2016 Blog Income Report

Worrying About High Healthcare Costs? 6 Simple Ways to Save

High Cost of Healthcare

Sinking into the couch at the end of a crazy day felt satisfying. It was nice to finally get off my feet after helping the kids finish their school projects and getting home late from a baseball game.

And that’s when our two year old fell and hit his head. Not long after, he began throwing up…and that meant a trip to the ER.

How to Save on High Healthcare Costs

Many times, we can’t anticipate what kind of health trouble will pop up. We don’t know when it will happen or what it will look like. But there are still ways we can prepare ourselves to handle the bills. After all, when you’re worried about your health, money should be the last thing on your mind.

This post has been written by our talented writer, Jamie Jeffers. Enjoy!

Get an FSA

The long list of acronyms in the . . . → Read More: Worrying About High Healthcare Costs? 6 Simple Ways to Save

How to Have a Healthy Conversation About Money with Your Spouse

Have a healthy conversation about money

Whether you’re preparing to get married or you’re celebrating your silver wedding anniversary, money will always be a challenge in your relationship. It can be the source of hurt, but it can also be the source of enormous growth. That growth begins with one healthy conversation about money at a time.

Did you know that the number one source of conflict in the first few years of marriage isn’t in-laws, children, or religion? It’s money.

Also, the more debt brought into a marriage, the greater potential for strife. How many young couples do you know who are crazy about each other, but they’re tying the knot with six figures worth of combined student loan, credit card, and/or auto loan debt?

Perhaps that describes you? Now, you may be wondering how you’re supposed to tackle such a mountain, let alone develop healthy communication skills about finances. Here are seven nuggets of . . . → Read More: How to Have a Healthy Conversation About Money with Your Spouse