Saturday, January 16, 2016

How to get the most out of your time when you work at home

Time is money right? You either have enough money and very little time or you have an abundance of time but lack money. The trick to living well is finding a balance between these two things. I wanted to show you how I make things work as a stay at home and work at home mom. I have two boys, one is in pre-school, which has weird hours. Hello, 12-4? This might be the weirdest school schedule ever, but we make it work. My other son is 2 1/2 so he is home all day. I also have my own school work to do (finishing my B.A. in Business/finance). So here's a break down of how I make it work. This may or may not work for you, but it might help give you a general idea of how this works. Typical day Wake up at 7 (sometimes a little later depending on how my night went and how long I worked) *****must have coffee***** I emerge from my zombie like state with my hair standing on end and my grinch pj's on. Just kidding, well kind of. Then (assuming boys are still sleeping) I get to work. I jump online. I check both email accounts. Check on my blogs, check ebook sells. Go on Up work check messages or finish up projects and then jump on Pintrest look for some pins. Apply for freelance work, finish writing assignments, send emails, add affiliates links (sometimes),ebay shipping (I print labels and answer emails)then etsy, the same thing. do some listings, check fiverr (I sell gigs on here and I hire exclusively on here) super cheap work done like editing or graphic design. I do all my own writing as of now. Which is getting difficult and time consuming but I won't hire out for this unless I have to. (two hours work) I work online for about 2 hours then I get ready, then make breakfast around 10. This is when boys wake up. We eat, get showers, get ready for the day, come back down stairs and then I will jump back online for a few minutes and boys will watch cartoons. (2-4 hours work done in morning) I then drop of my oldest son at school, then run errands, if I have packages going out I mail those, go to the grocery store ( about twice a week) go to the Dollar Tree (I find myself there alot for office supplies, cleaning supplies or things like paper towels, shampoo ,etc. or even snacks. On Mondays I try to make it a habit to going thrifting for re-sell items (more on this later) About 1 make lunch, or my son and I grab lunch on the run if we are in a huge hurry(I know I get the mother of the year award for that one right? Eating in the car). Ideally my younger son lays down for a nap for a couple hours when we get home. (two hours work) I clean up the kitchen, run a load of laundry then I get back on the computer to get more work down. I just started a youtube channel so I will do videos a few times a week. Some of the videos I do are Dollar Tree and thrift hauls, I make money making videos about re-selling and parenting, lifestyle videos, beauty products hauls and reviews. Then around 3 I start thinking about what I'm making for dinner and maybe desert. I will go ahead and prepare some of it, then clean up the upstairs like put away laundry and straighten rooms and wipe down bathroom. Then I go pick up my other son at 4. I get home, finish up dinner, we eat and during the summer we go for a walk to the trail or the park. We spend some time as a family watching a movie or playing a game or something. After the boys go to bed which lately has been the most challenging part of my days. I will work 2-4 hours. Sometimes from 10-2. I love this period of time because there are no distractions like the phone ringing or mom I need___. No knocks at the door or mail deliveries, just peace-and-quiet. So that's my typical day seven days a week. I should add that twice a week I have to work on coursework too so at night I have to put work aside and do school work about four hours a week. Which isn't too bad....I make it work. Looking at this is eye opening because I am putting in more time than ever. About 50-55 hours a week but I have never wanted to work so much or so hard. Working for your own cause and your own dreams makes you more motivated than ever. A lot of what I'm doing now is to building up passive income. Knowing the sacrifices I'm making now will help my family and I in the future and I won't have to work as hard plus my family will have a good foundation to build on, that keeps me going! More on making passive income and why it is so important to your future in a post to come this coming week. I make less money now but I also have less expenses than when I was working so financially it makes sense. My monthly income is around $1700. Since I'm home more I spend about $200 less on gas (I now spend $50 a month on gas) and I eat lunch at home most days so that saves about $100 a month. I don't have to buy special clothing so that saves about $100 a month and I have coffee at home. I was spending about $5 a day on lattes. This saves another $100. So $500 right there saved by working from home. More on this subject to come.

Sunday, January 10, 2016

10 Must Read Money Saving Tips For 2016

10 Must Read Money Saving Tips For 2016 1) The more you run around, the more you spend. Those extra trips to the store for eggs, milk, bread…whatever can add up. Do you really ever just buy that when you run to the store? Most of the time probably not. The more times you go to the store the more you will spend. The solution. Meal plan and go with a grocery list. Plan your meals around what’s on sale for the week too. 2) Utilize free public activities. Get your taxes worth! Use free services like, the library, you can check out books instead of buying them, rent movies, music and even use the internet. Walk your kids to the park. If you have a neighborhood park like I do, take a walk, get some exercise (save money on gym as well) my kids love our park. You can take a ball and play soccer, have a picnic, or just use the trail. Our local park has an amazing nature trail and even has work out equipment like exercise bikes you can stop and use. 3) Research sales cycles. I don’t know about you but I love saving money on everything. I rarely pay full price for anything. It pains me to pay full price. Plan ahead. It’s Jan. 2016 now so I like to think 6 months ahead so I will be looking for summer clothing, shoes and even things like camping items, pools, etc. This is the best time to buy these kinds of items when the demand is the lowest. If you are a re-seller (see my eBook Money Making Mommies for more on this) you know this is the best time to buy your inventory for the next season. You can get your max. return this way. 4) Change adds up. Think you can’t save? Think again. When you get paid go to your bank and ask for the amount you would like to save for the week or the month, etc. in change. Want to save $100 every time you get paid? Ask for that amount in quarters. Then put this money in a 5 gallon water cooler jug. Save for one year and then either take to the bank and get cash or even better if your company does 401k matching contributions use it for that. You will have $4800 for just one year, just from some quarters. Not a bad deal right? An easy way to trick yourself into saving. I don’t know about you but for me change feels less like real money, so I’m less likely to use it. 5) If you are thinking of making a big purchase like new furniture. Stop yourself! Think to yourself first….can I buy this used? You can save half or more just by buying used. I have young kids so I took a vow not to buy any new furniture until they are off to college. 6) Evaluate your budget and if you have cut back everything you possibly can. You may just need to earn more money. There are so many ways you can do this at home these days in your spare time. Check out, textbroker, Upwork, Elance, even Craigslist under gigs, sell on ebay (see my ebook How to sell on Ebay like a BOSS: Seller Secrets revealed). 7) Make things yourself. Learning the value of doing something yourself is priceless. Learn how to fix a faucet, dry wall, or even learn how to repair a seam or take in a dress. Save your money and do it yourself. 8) Learn how to do your own taxes. Many tax schools offer free taxes; you can even secure employment this way. You can save hundreds every year just learning this one skill. Save money on other fees like legal fees by learning how to prepare legal forms yourself. Or instead of hiring a lawyer, hire a paralegal. Yes they don’t offer any legal advice but you can save big on things like divorce and bankruptcy. 9) Don’t be afraid of discount stores. I love The Dollar Tree (see my youtube channel mommas2monkeys for haul videos) I find so many things that other retail stores like Target and Walmart have like name brand makeup, hair products, household items, d├ęcor, birthday supplies, but for only $1. 10) Sign up for a credit monitoring service. Raising your credit score could mean the difference in thousands in interest or it could mean you won’t qualify at all for that car loan or mortgage. Knowing you score is invaluable.

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