19 Realistic Ways to Make Money Online

For all the convenience and access to information that the Internet offers, the ability to make money online, honestly and legitimately just might be one of the most useful. At a minimum, you need an Internet connection and computer. Or for some jobs, just a smartphone will do.

The challenge is to wade through all the sales pitches for free get-rich webinars to find authentic ways to make money. The opportunities for online jobs are there. But it’s not like winning the lottery. Most require hard work and dedication before you get paid for your time. But isn’t that true of just about any kind of job? None of what follows will make you an overnight millionaire, but each represents a legitimate way to earn extra money online.

 

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How to Break Bad Money Habits

Money a little tight these days? You might assume it’s due to rising costs, tightening credit and the fact you haven’t had a raise in, like, forever. But truthfully, if your basic needs are being met, problems you’re having are more likely a result of bad money habits you’ve picked up—behaviors you’ve repeated so often they’ve become almost automatic.

Woman stopping the domino effect suggesting she's breaking a bad habit

Don’t despair. In the same way you picked them up, you can replace bad habits with good ones: Stop the old behavior, and consciously repeat the new one so often that it becomes an almost automatic response.

Living without a spending plan

Spending money without a plan has to be the mother of all bad money habits. It’s like driving blindfolded. You don’t know where you are and can’t see where you’re going, so you don’t know when to stop. Pre-spending your paycheck on paper (also known as a budget) is the way to remove the blindfold so you can see what’s going on.

ALSO: Get Financially Fit With Good Habits

Paying with plastic

Depending on plastic—and I’m talking about both debit and credit cards—to cover your day-to-day spending might be very convenient, but it creates a bad habit. You stop noticing how much you’re spending, and that opens the door to overspending. Break this habit by figuring out how much cash you’ll need for the day, and put that much in your wallet. Leave your plastic at home, or put it in a less convenient place in your handbag or wallet.

Rolling a credit card balance

Credit card issuers know that once they can get you to cross the threshold where you owe more on your credit card than you can pay in a single month, they’ve got you where they want you—paying them interest month after month.

If you cannot pay the entire balance in a single month, you’re living way beyond your means. To break this bad habit, make it impossible to use it anymore until that balance is paid in full. Don’t close the account, but put that plastic far from you. Hand it off to a trusted friend or freeze it in a block of ice! Anything to help you break this bad money habit by replacing it with a good one. Then start paying down the balance as rapidly as possible.

READ: You Need to Kick Your Credit-Card Habit

Waiting to save

It might make sense to pay your bills first and then see how much you have left to put in savings, but that’s a really dumb idea. It will lead to a very bad result also known as no savings, because you will keep doing this same dumb thing month after month, year after year.

To break this habit, pay yourself first before you pay any of your bills. In fact, treat yourself as your most important creditor. Make up payment coupons like you have for your mortgage or car payment. Or set up an auto bill payment to “Myself.” Now move “Myself” to the front of the line so that the very first bill you pay each month is to You!

READ: How to Break the Habit That’s Eating Up Your Future

Even if it’s only $25—or even $10—to start with, do it. Over and over again. It won’t take long for that to become an almost automatic response and a very good habit!


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12 Things You Can Do Now to Get Ready for Christmas

Faithful readers know that we pull out all the stops around here to celebrate Christmas in July. Or at least start thinking about the holidays, just five months down the road. If you are or have ever been plagued by credit-card debt, I can nearly guarantee that revolving expenses related to Christmas have contributed greatly to that miserable situation. The problem? Procrastination.

 

Santa's hat next to the pool suggesting it's Christmas in July!

 

Face it, when it comes to Christmas, the longer you wait, the more you’ll spend. The opposite is also true: The sooner you get started the less you’ll spend.

Everyone procrastinates in some area. And some people procrastinate about everything. Why do we do it?

We feel overwhelmed

The holiday expectations we place on ourselves plus those that come from our families, the community, even the church can be so great we feel paralyzed. So we do nothing until the only choice we have is to spend as much money as it takes to get by.

We overestimate how much time we have

From where we sit here in July, Christmas seems so far away. We tell ourselves we have “plenty of time!”

We have to do it perfectly

Experts tell us that at the root of procrastination is perfectionism. Because we feel we have to do everything perfectly—and fear that we might not—we do nothing rather than run the risk of failing.

We say we work better under pressure

Waiting until the last minute can provide quite an adrenaline rush. Procrastinators  believe they cannot operate without that creative surge, so they sit back and wait for it to happen.

The way to deal with procrastination is to identify why you do it. Ask yourself: What price have I paid in the past for the delay? Do I really want to pay that price, or even more, again this year?

If the answer to the last question is yes, you have lots of time; you don’t need to be thinking about the holidays yet.

If on the other hand, you are not willing to go into debt to measure up to others’ expectations, get started. Do something now.

1. Start saving

I get it that not all of us are into Christmas shopping any time other than December. It just doesn’t feel right. What you can do starting now is get diligent with creating a healthy cash stash so you have the money to do that come December.

Stash $50 a week starting now, for Christmas shopping in December. Once you are in motion it will be easier to keep going. Even if that’s all you do, you’ll be way ahead.

 

2. Book travel

We’re learning that the ongoing Boeing 737 Max grounding is going to affect holiday travel and not in a good way. Southwest Airlines opened its calendar for booking flights for December much earlier than usual. And by the looks things, lots of flights are already sold out. Now’s the time to book any holiday travel you have in mind.

Southwest, which doesn’t charge travelers fees to change or cancel their flights, will waive fare differences for customers who need to change their trips because of the extended schedule disruption.

3. Family photo

Whether it’s for your family Christmas card or to frame for a gift to friends and family, now’s a great time to take that photo. You’ll have plenty of time to shop around for the  best price on high-quality prints.

 

Parents giving piggyback ride to kids at beach. Close up of smiling family having fun at summer vacation. Portrait of happy family looking at camera at beach.

Costco

It’s hard to beat Costco’s prices and service, but you need to be a member. However, right now it doesn’t appear you can order holiday photo cards—if you want to go this route. You’ll have to check back in a few months to see if their holiday templates are available.

Snapfish

You can get 5×7-inch photo cards printed for as little as $1 each when you order a package of 20—and the price goes down if you order more. Even though it’s July, Snapfish has its holiday templates available for you to order and print.

Vista Print

A great source for a postcard with your photos, plus many other options. VistaPrint has frequent specials and sales throughout the summer, so check back to see if you can get a deal at VistaPrint.com. Caution: You will be hounded throughout the order process to buy all kinds of “add-ons.” Don’t waste your money. Buy only what you came to buy.

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9 Super Cool Summer Tips, Tricks, and Hacks

Whatever end-of-summer adventures you have planned for the last month of summer—the beach, pool, or even your own backyard—these cool summer tips, tricks, hacks, and DIYs will bring a smile to your face and perhaps even a sigh of relief. There’s still plenty of time to get out there and do summer like a champ!

Child going on summer vacation. Car travel and beach concept

Sand-free Electronics

Stick your smartphone, notebook, CD player or other electronic inside a zip-type plastic and zip it up. You can operate item without ever opening the bag. It will stay sand-free and totally dry.

Pack a Fitted Sheet

Take a fitted bed sheet with you to the beach. Do this first thing once you locate you spot. Spread out the sheet and turn up the corners up and place something heavy in each one (the cooler, food basket, etc.) This will keep it spread out and all of your gear (and you, too) free of sand without having to make sure you’re lying on a small towel.

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How to Clean a Shark Vacuum and Its Filters

You know by now just how much I love my Shark vacuum cleaner. And given my readers’ letters and comments, I know that many of you have Sharkies, too. Now you need to how to clean a Shark so it keeps performing at top efficiency.

I love your messages. They make me smile because I understand the range of emotions that come from using a Shark vacuum for the first time—from amazement to flat out embarrassment.

Where on earth did all of this dirt and debris come from? I can’t believe what’s been lurking in my carpet!

 

Shark vacuum taken apart for cleaning

With all of the miles I’ve put on my numerous Shark vacs over the years, I’ve never had one fail. And while the manufacturer boasts that Sharks never lose suction, that is predicated on regularly cleaning Sharkie’s canister, filters, and rotating brush.

It’s right there in the owner manual, which most of us don’t think to read until we have a problem. You need to clean your Shark every three months to keep it working at top efficiency—more often with heavy use. It’s easy.

Signs Sharkie needs a bath

  • loss of suction
  • dirt being left behind
  • sounds weird like Sharkie is gasping for air
  • an unpleasant, dirty odor

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How to Remove Filtration Soil and Prevent It Forever

Dark, shadowy, dirty lines on the carpet along baseboards, under doors and draperies, along the edges, and in the crevices of carpeted stairs are all visible signs of an aggravating, disgusting problem called filtration soil. Basically, it’s visual evidence that the air in your home is killing your carpet.

 

Ugly, grimy, black lines on carpet that are from filtration soil

Photo credit: CandLFlooring.com

 

Your carpet is the biggest filter in your home. Just like your furnace and air conditioning filter that filters out airborne soils that pass through it, your carpet does the same thing.

Filtration soil comes from airborne pollutants passing through the carpet as the air is drawn through the crack between the carpet and the baseboard, around the drapes or under a closed door. It’s an accumulation of soot from dirty ducts, smoke from candles and the fireplace; tobacco, kitchen grease from the oven and cooktop; smog, auto emissions and pollutants from outdoors.

A home’s HVAC (heating, ventilation and air conditioning) system is designed to filter out airborne soil, trapping it in the filter. But once the filter is full, the system will send the air pollutants back into the house through the ducts where all of that icky mess gets lodged into corners and crevices. And if that’s not enough, filtration soil makes your house smell bad.

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10 Cool Gadgets That Put Money Back in Your Pocket

There is an old marketing adage that insists that for a business to make money it has to spend money. There’s truth in that for business, but when it comes to personal money management don’t count on it unless you have a clear strategy. That’s exactly what these inexpensive yet handy gadgets offer—clear strategies reduce the high cost of energy—your home’s electricity, water and gas.

 

Jeans pocket with 100's bills sticking out

 

Don’t get me wrong—I am not saying that you cannot reduce your energy consumption without buying a gadget to do it, but the following ten such gadgets sure do make the job a lot easier, which means you’re more likely to carry through to see the net savings!

Outlet Sealers

Electrical sockets and switch plates on exterior walls can be hidden sources of drafts that may lead to high heating and cooling costs. Socket sealers are really easy to install and act as a buffer between your home’s inside and the outdoor air, helping to keep conditioned air in and outside air out. The Duck Brand 283333 Socket Sealers Variety Pack comes with 16 outlet sealers, 6 switch plates and 2 decorative covers, gadgets that save money.

Window Shrink Film

Chilly winter or hot summer weather can send the home heating/air conditioning bill through the roof. But a little insulation goes a long way. You can cut a chunk out of your power bill by making your home your home more energy efficient when you install window shrink film. It’s easy, using a conventional hair dryer with film like you can get in a Duck Brand 281506 Indoor 10-Window Shrink Film Insulator Kit. This particular kit will insulate the equivalent of ten 3’ x 5’ windows. Read more

How to Make Even an Old Dishwasher Perform Like New

There are many things in my life that I enjoy, but would not be completely devastated if required to give them up. My dishwasher is not one of them.

 

dishwasher-filled-with-clean-dishes-and-bright-start

 

During our recent kitchen remodel, we got rid of the appliances, all except for my stripped down 14-year-old Whirlpool dishwasher.

Even though it has been replaced, it has found a new home across town with our son and family. It continues to do a flawless job, not because it’s such a high-end machine (it’s not), but because I have learned the secrets of how to get any dishwasher to perform well.

It doesn’t matter how old your dishwasher is. If it will turn on, spray hot water and go through some kind of cycle, you can turn out sparkling clean dishes. You just need to know a few secrets about cleaning, maintaining, and operating it.

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