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[ad_1] The post How to Start a Side Hustle: Your Guide to Making Extra Income appeared first on Millennial Money. These days, everyone will tell you that if you want financial freedom, you need to start a side hustle—this blog included! That’s all well and good, but what exactly does that entail? And how can you start a side hustle while working your current job and not totally lose your mind? It sounds tricky, but let me tell you, it can be done. All it requires is a plan, prioritization, patience, and some . . . well . . . hustle on your part. In this guide on how to start a side hustle, I’ll take you through the steps to finding the perfect second job and earning extra money, all while holding down a full time job. Let’s get started! Table of contents What Exactly Is a Side Hustle? Side Hustle vs. Moonlighting How to Start a Great Side Hustle While Keeping Your Day Job 1. Decide What You Want to Do . . . And Why Do You Just Need Quick Extra Cash? Do You Need Extra Income? Do You Want to Be Your Own Boss? Do You Want to Satisfy Your Creative Needs? Do You Hate Working? 2. Make Sure You Can Start Your Side Hustle 3. Make a Business Plan 4. Get Legit 5. Market Yourself 6. Get Your First Paying Customer 7. Don’t Quit Your Day Job (Just Yet)! Frequently Asked Questions (FAQs) How Can You Take Advantage of Free Resources When Starting a Side Hustle? How Much Money Should I Invest in a Side Hustle? The Bottom Line What Exactly Is a Side Hustle? The term “side hustle” might be trendy right now, but the concept is nothing new. As long as people have had jobs, they’ve worked on side projects to make extra money or to eventually become their own boss. That’s exactly what a side hustle is: an enterprise or small business that you run in addition to your day job. There are tons of reasons to start a side hustle. For many folks, it’s because their full time work doesn’t cover all of their expenses. For others, it’s to get a head start on a new career. And for some folks, it’s because they just don’t find their day job personally rewarding. Think: graphic designers who sell artwork on the weekends to fulfill the creative urges that their desk job just doesn’t satisfy. Working a successful side hustle can also help you hit some short-term money targets, too. By making extra income, you can do stuff like pay off your credit cards or student loans faster. Side Hustle vs. Moonlighting You might have heard the term “moonlighting.” This concept is similar to a side hustle, with a big exception: Moonlighting tends to involve working for someone else on the side. With a side hustle, you’re the business owner. This is a key mindset change you need to make. Even if your side hustle involves freelance writing or becoming a virtual assistant, you have to think of yourself as an entrepreneur who is working with clients. We’ll get into this more in just a minute. But for now, trust me—this mindset shift will make a huge difference to your success as a side hustler. How to Start a Great Side Hustle While Keeping Your Day Job The best side hustles are treated like businesses. That’s because that’s exactly what they are. When you have a side hustle, you’re an entrepreneur. Whether you’re a freelance writer, a social media manager, or selling tie-dye shirts out of a van (don’t knock it), you are a small business owner. And because you shouldn’t just plunge willy-nilly into a business venture, it pays to be methodical when starting a side hustle. Here are the steps I recommend to get you started. 1. Decide What You Want to Do . . . And Why First, spend some time being honest with yourself about why you want to start a side gig. This will help you determine what type of side hustle to start. Below are a series of questions you should to ask yourself.  Do You Just Need Quick Extra Cash? If making a few bucks to cover an upcoming expense or to pay off your credit card debt is your “why,” consider an easy source of additional income with no startup costs. For example, starting a dog-walking business through Rover or delivering groceries with Postmates. Do You Need Extra Income? If your main “why” for starting a side hustle is because you’re not making enough money at your day job to make ends meet, you may want to consider asking for a raise, finding a different full time job, or doing some serious budgeting before starting a business. That said, if you need the additional income, find a side gig that won’t cost you anything to start up—like driving for Uber or Lyft on weekends. Do You Want to Be Your Own Boss? If your reason for starting a side hustle is to eventually quit your full time job and work for yourself, you’ll want to find a sustainable side hustle that will eventually provide you with a full time income. Maybe you already have an idea in mind, like opening a bakery or becoming a motorcycle mechanic. If you have a dream of what you want your next career to be, that’s awesome. If you don’t, consider freelance writing or building a website to make money through affiliate marketing. Believe it or not, there’s a lot of earning potential here. Do You Want to Satisfy Your Creative Needs? Some of us want to start a hustle purely for the love of what we do. If you have an artistic passion or even a hobby you can turn into extra cash while finding personal fulfillment, go for it. Etsy is a great place to get started selling your artwork or handmade items online. And I

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[ad_1] The post Early Retirement Checklist: 15 Essentials appeared first on Millennial Money. If you’re an avid saver and budgeter, and you don’t want to wait several decades to live it up, early retirement might be on your radar.  With some careful planning — and a willingness to slash your expenses — you just might be sipping a White Claw on your boat before you know it.  Early Retirement Checklist An early retirement checklist is essential if you plan to divorce your workplace a few decades early. Being prepared and knowing your numbers will make or break your goal to retire early. Our checklist will help.  Early retirement readiness list: Know your numbers Plan what to do with your time Talk to a financial advisor Budget for early retirement Consider possible side income Prepare your emergency fund Pay off your debt Max out retirement investments Save until it hurts Evaluate your housing needs Prepare for healthcare costs Create a retirement withdrawal plan Learn about social security  Have a life insurance policy in place Do some estate planning  Crunch the Numbers The first step is to crunch the numbers. Determine how much money you’ll need to live on each month and lower that number, if you can.  Take an honest look at how much you’ve saved for retirement thus far and if you can ramp up saving and investing strategies. If you’re not saving at least 20% of your income (50% or more is a much safer bet), you likely won’t be ready to retire early.  You’ll want to consider healthcare and yearly tax costs as well. And if you’re not following a budget to keep debt in check and expenses low, that’s a priority to implement right away.  Crucial numbers to consider for early retirement: How much money you can save/invest each month  — the higher the better.  Do you have a minimum of six months of living expenses in an emergency fund? Estimate your tax payments in retirement; a good bit of investment and passive income counts as income and is taxed — don’t forget to budget that in.  How much money do you currently have invested or saved for retirement? Have you planned for healthcare costs for when you’re no longer employed? Do you have any passive income streams or plan to take on a flexible side hustle to cover monthly expenses if needed?  Create an Early Retirement Plan What do you plan to do with your free time? It may sound like a dream come true to walk away from work at age 37, but have you thought about what to do with the hours in your day? Whether it’s traveling for a while, relocating, or becoming a nomad — your new life can be extremely rewarding if you plan ahead and manage your expectations.   Consider every angle of the life you desire. Write out some possible pitfalls as well as solutions to the unexpected. Better yet, if you have a way to test-drive your early retirement life, you won’t be planning in the dark. Can you do a trial run to implement your plan for several months? Of course, there’s financial planning to do as well. We’ll cover that in more detail below.  Talk to a Financial Advisor The ambitious task of planning for an early retirement is not for the faint of heart. I highly recommend partnering with a qualified financial advisor. They can help you reach your financial goals as well as prepare you for money challenges you might not have thought of. Some advisors specialize in investing and can guide you to a balanced portfolio to maximize earnings.  Professional retirement planning and tax advice is likely to be a solid investment that supports your goals of retiring early.  Set Your Retirement Budget First things first. If you don’t have a current budget to follow now, it’s best to implement one ASAP. You’ll need training and discipline now in order to make a retirement budget stick (and be successful at it).  Unless you anticipate a side job for extra cash flow, your income will likely be fixed no matter what age you retire. Plan very carefully for what monthly expenses will be. Pad that a bit for travel and fun.  One of the best ways to prepare yourself for your retirement budget is to start living it out for a year or two ahead of time. Give it a trial run and see how you do.  Consider Retirement Income Streams Some early retirees choose not to forego all active income. In fact, it can be quite nerve-racking to have nothing new coming in at all.  Drawing on retirement savings or investment earnings will likely be your most steady monthly income. But there are many alternative retirement income streams to choose from.  Real estate investments are a very popular stream of income for retirees.  Owning rental properties — especially when inflation hits — can often result in premium monthly rental income. Others choose to buy houses or duplexes in expensive areas, fix them up, and sell for a profit.  Side hustles are also a dependable income stream. They can be quite flexible and keep you from being bored or feeling like you have no purpose. Consider them a way to dive into something you’re passionate about! Learn More: Side Hustle Masterclass 34 Best Side Hustle Ideas to Make an Extra $2,000/month Passive Real Estate Investing: A Beginner’s Guide Do You Need an Emergency Fund in Retirement? It’s essential to have some backup funds in case of large unexpected expenses. No matter what age you retire, an emergency fund is always a smart idea.  Ideally, this savings account should contain six months’ worth of liquid cash to cover your expenses. If you’re not sure how much you’ll personally need, an emergency fund calculator can get you started.  Pay Off Debt Before Retirement We’ve talked about savings, and now it’s time to face your debt head on. What do you owe on your mortgage? And do

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[ad_1] The post How to Get Paid to Code: Make Money Online appeared first on Millennial Money. Cutting-edge software is used almost everywhere you look. It’s in the smartphone that you carry around in your pocket, in the products that you buy on Amazon, and even in your car’s dashboard.  Of course, all software starts with code. If you want to learn how to get paid to code and make money online, you’ve come to the right place. Keep reading to learn more about how you can start making money with your coding skills — whether you work for an established enterprise, become a freelance coder, or start your own small business.  Table of contents Programming: An Overview What is coding?  Why get paid to code? The future of coding  Types of programmers Front-end developer Average salary: $100,825 Back-end developer Average salary: $118,033 Full-stack developer  Average salary: $103,655 Web developer Average salary: $67,559  Mobile developer  Average salary: $120,651 Game developer Average salary: $71,295 How to Learn to Code  1. Chart a course  2. Take an online course  Top online coding courses for 2022 Codecademy Pluralsight HarvardX CS50: Introduction to Computer Science 3. Attend a boot camp Best coding boot camps for 2022 Nucamp Flatiron School Code Platoon How to Make Money Coding Get a full-time job  Freelance as a developer Create WordPress plugins Teach an online course Sign up for contests Frequently Asked Questions Is programming a good career?  Is it hard to learn how to code? Can you make a lot of money programming? The Bottom Line Programming: An Overview What is coding?  If you’re new to the topic, here’s a quick primer on coding. Feel free to skip to the next section if you’re already familiar with this stuff. In a nutshell, coding is all about feeding computers instructions. After all, computers can’t understand words and numbers like humans. Getting a computer to take a specific course of action requires giving it commands that it can process.  At a high level, the process of feeding computers information is called coding. Breaking this down further, computers can understand various programming languages. A programming language is a set of symbols that a computer can recognize. Some examples of languages that coders use include HTML, Python, Java, JavaScript, Golang, C#, CSS, PHP, and Objective-C. Picking a computer language is a bit like learning a foreign language — and it helps to have a specific reason for learning your chosen language.  Most programmers don’t know all computer languages. Rather, they learn basic coding principles and then learn the languages they need to solve specific problems based on the tools they use and the tech stacks they’re operating with.  Why get paid to code? If you love technology and learning new tasks, coding might not feel like work. Depending on the type of work that you’re doing, coding can be fun. It can enable you to build programs and watch them come together and develop into working solutions. Plus, you can gain a much deeper understanding of how the digital services you use on a daily basis operate. Of course, not all programming jobs might be a good match for your coding skills. For example, some programmers don’t like working in Java because it requires writing a lot of code for even the simplest tasks.  It’s important to explore the various options that are available to you so that you gravitate toward an area or language that aligns with your interests and coding skills.  One of the best aspects of coding is that you can work remotely. Many millennials are using coding as a means of traveling around the world and living digital nomad lifestyles. If you’re the type who would like to live in France for three months and then jet over to the Philippines, coding can fund your adventures.  It’s also possible to make good money online, especially if you work independently or specialize in a niche area. For many people, coding is their livelihood. It’s a means to a decent paycheck and a better quality of life. If you can master coding, you can open some exciting doors and enjoy a lucrative and rewarding career.  The future of coding  Young people who are picking careers today need to take automation into account. Automation is impacting just about every industry, and programming is no exception.  That doesn’t mean programming is going away — quite the contrary. Over the next few years, programmers will increasingly use artificial intelligence to automate low-level, time-consuming tasks. For example, services like Kite help programmers speed up production with artificial intelligence.  Still, the world will need programmers to work with code and bring software to market. Software doesn’t write itself (at least, not yet). In all likelihood, the immediate future remains bright for programmers. While there’s no telling what the future will bring, software development is an in-demand, well-paying, and stable profession. Types of programmers Here are a few of the most common programming roles to explore as you look for ways to make money coding.  I want to note that the salaries you see below are just an average. Experienced coders who live in high-cost areas can earn significantly more money. Front-end developer Average salary: $100,825 Front-end developers create the graphical interface of a website or application. In other words, this is what the user sees when using a digital service. It’s like web design, just for software. Back-end developer Average salary: $118,033 Back-end developers are responsible for creating the underlying technology that powers an application or website. Full-stack developer  Average salary: $103,655 A full-stack developer is an engineer who can work with both the front and back ends. Web developer Average salary: $67,559  Web developers specialize in creating websites for businesses.  Mobile developer  Average salary: $120,651 Mobile developers write code for applications that run on mobile devices like Android and iPhone. Game developer Average salary: $71,295 Game developers write code specifically for digital games on mobile devices, computers, and consoles like PlayStation and Xbox.

[ad_1] My older sister, Brigette, shares her shopping trips and menu plans every week! You can go HERE to see all of her weekly menu plans and you can go HERE to read all about her family! Aldi 2 loaves Sandwich Bread – $1.00 2 bags Spinach – $2.38 1 Seedless Cucumbers – $1.19 1 3-lb bag Sweet Potatoes – $2.19 1 Pineapple – $1.69 1 bag Mini Sweet Peppers – $2.79 2 bunches Bananas ($0.49/lb) – $2.10 2 3-lb bags Pink Lady Apples – $6.58 1 bag Radishes – $0.99 1 pkg Zucchini – $2.82 2 bags frozen Riced Cauliflower – $3.90 1 carton Artisan Lettuce – $2.89 2 bags frozen California Veggie Medley – $1.50 3 dozen Eggs – $5.17 1 32-oz carton Egg Whites – $2.95 1 32-oz carton Half and Half – $1.49 1/2 gallon Unsweetened Organic Almond Milk – $2.99 1/2 gallon Chocolate Almond Milk – $1.49 1 gallon Whole Milk – $1.69 1 12-oz bag Chocolate Chips – $1.19 1 large container Quick Oats – $2.39 1 box Rice Squares – $2.29 1 family size box Honey Crisp Oats – $2.39 1 family size Frosty Flakes – $2.19 1 box Raisin Bran – $1.99 1 box Golden Round Crackers – $1.99 1 pkg Oyster Crackers – $0.89 1 5-lb pkg Flour – $1.49 1 32-oz carton Greek Yogurt – $3.25 6 single-serving cartons flavored Greek Yogurt – $3.54 1 24-oz carton Cottage Cheese – $1.69 1 8-oz pkg Deli Sliced Cheese – $1.25 1 jar Garlic Powder – $0.97 1 jar Paprika – $0.97 1 jar Cinnamon – $0.97 1 jar Oregano – $0.97 1 jar Onion Powder – $0.97 1 jar Baking Cocoa – $1.79 1 jar Salsa – $1.15 1-lb Sausage – $1.89 1 16-oz pkg Turkey Bacon – $2.19 1 16-oz pkg Deli Meat – $2.99 1 pkg Chicken Breasts, thinly sliced – $4.13 2 boxes Macaroni and Cheese – $0.68 1 pkg Butter Quarters – $2.48 1 pkg Rice Cakes – $1.99 1 bag Tortillas Chips – $1.25 1 bag Nacho Chips – $1.19 1 box Fruit and Grain Bars – $1.35 Grocery Total for the Week: $102.56 Harris Teeter An anonymous person at church gifted us with a $100 Harris Teeter gift card, which was such a sweet surprise! I figure I’ll stop in weekly since it’s right on the way to Aldi and see what deals I can score. 2 bags frozen Cauliflower – $3.00 (Aldi doesn’t sell frozen cauliflower or okra, and we love both!) 2 bags frozen Okra – $3.00 1 bag Carrots, reduced – $0.50 2 pkgs Mushrooms – FREE (mushrooms were on sale for $1.00 each, and these had reduced stickers on them because they were expiring soon – which actually made them free!) 5 8-oz pkgs Shredded Cheese (B2G3) – $6.78 1 Cantaloupe – $1.00 1 Kraft BBQ Sauce – $0.85, used $1.00/1 evic coupon – FREE 1 2-ct Deep Dish Pie Crust – $1.24 1 Kraft Big Bowl Macaroni and Cheese, reduced – $0.50 Total: $16.02, free with gift card Grocery Total for the Week: Weekly Menu Plan Breakfasts Oatmeal, Toast, Cereal, Scrambled/Boiled/Fried Eggs, Fruit, Yogurt, Cottage Cheese, Veggie Omelets, Smoothies Lunches Deli Meat/Cheese Sandwiches, Banana, Carrots, Chips x 2 Rice Cakes/Crackers with Peanut Butter, Peppers, Apples, Chips x 2 Leftovers x 3 Dinners Chicken Stir Fry, Steamed Rice, Fried Cauliflower Rice, Pineapple Venison Meat Loaf with Gravy, Sweet Potatoes, Steamed Mixed Vegetables Pancakes, Bacon, Scrambled Eggs with Cheese Chicken Pot Pie, Tossed Salad, Cantaloupe Biscuits and Sausage Gravy, Roasted Cauliflower Date Night Out (kids eat macaroni and cheese at home) Leftovers [ad_2] Source link

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