An Obvious Way to Get Extra Money- Without Getting an Extra Job!
HallyZ
Looking for ways to make extra income, eliminate debt, and save money? Go to http://www.YourMoneyandDebt.com today. Take the 30 Day No Spend Challenge or simply find out about the latest shopping deals. Clip some coupons, fill out surveys, and start building up your cash reserves immediately.
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The economy is tanked, you're broke, and the bills are piling up. What are you going to do? Here's one obvious way to find some fast cash-without taking another job or loan!
As the economy continues on its downward spiral into complete recession, many of you are looking for ways to save money and cut costs. Many more of you are struggling to pay credit card bills and other expenses. Aside from taking on a second job, how else can you make a significant dent in your bills, and/or gain some extra cash? Have you considered doing a 30 Day No Spend Challenge?
The 30 Day No Spend Challenge involves 3 major step. In Step 1, you track all of your spending habits from the prior month, using financial software programs like Quicken. Spending on both necessities and luxuries is tracked and reported. In Step 2, you make spending lists, one for your luxuries, one for your work-related expenses, and one for your necessities. In Step 3, you completely eliminate spending on everything in the luxuries and work-related expenses lists for a full 30 days. Hopefully, you eliminate some of your spending in the necessities list too.
This Challenge lasts for a full 30 days. There is no cheating allowed just because you see a major sale or some other deal. The only spending exception might be if you have an event to attend and this event requires a non-negotiable gas or gift expense. If this is the case, you are then allowed to spend some cash, but you must make up for that cash deficit by earning a side income. The idea here is not to spend any of your regularly earned income, thus saving it up the whole 30 days.
What will you do during your new-found "free" time? Here are a few things that are both free and fun:
1. Develop a new exercise program.
2. Peruse your neighborhood library.
3. Go to your local museum on its free admission day.
4. Take your date to a picnic in the park.
5. Go swimming at the nearest lake.
6. Watch free movies online through Hulu.
7. Start a garden, using seeds from the foods you eat.
8. Have a potluck dinner with your friends.
9. Volunteer at a soup kitchen or food pantry.
10. Go biking across town.
At the end of the 30 days, bring out your Quicken or other financial program and tally up your bills. Take into account how much you spent the last 30 days versus the 30 days before then. Looking at the difference in spending habits, you will be presented with a positive number that represents how much money you saved. That extra money is applied towards the payment of your bills or placed into your savings. However, 10% of the sum is taken out and kept by you as your reward for living frugally these last 30 days. You can go spend (or save) that money as you see fit.
The 30 Day No Spend Challenge has recently grown in popularity due to many individuals seeking to form new spending habits. Many online financial programs have popped up, enabling people to track their saving and spending habits. Financial forums and chat rooms have also increased. The bottom line is that now, more than ever, people everywhere are seeking ways to maximize savings and limit costs. Debt elimination is also a motivating factor, especially as unemployment and under-employment grow.
As the economy continues on its downward spiral into complete recession, many of you are looking for ways to save money and cut costs. Many more of you are struggling to pay credit card bills and other expenses. Aside from taking on a second job, how else can you make a significant dent in your bills, and/or gain some extra cash? Have you considered doing a 30 Day No Spend Challenge?
The 30 Day No Spend Challenge involves 3 major step. In Step 1, you track all of your spending habits from the prior month, using financial software programs like Quicken. Spending on both necessities and luxuries is tracked and reported. In Step 2, you make spending lists, one for your luxuries, one for your work-related expenses, and one for your necessities. In Step 3, you completely eliminate spending on everything in the luxuries and work-related expenses lists for a full 30 days. Hopefully, you eliminate some of your spending in the necessities list too.
This Challenge lasts for a full 30 days. There is no cheating allowed just because you see a major sale or some other deal. The only spending exception might be if you have an event to attend and this event requires a non-negotiable gas or gift expense. If this is the case, you are then allowed to spend some cash, but you must make up for that cash deficit by earning a side income. The idea here is not to spend any of your regularly earned income, thus saving it up the whole 30 days.
What will you do during your new-found "free" time? Here are a few things that are both free and fun:
1. Develop a new exercise program.
2. Peruse your neighborhood library.
3. Go to your local museum on its free admission day.
4. Take your date to a picnic in the park.
5. Go swimming at the nearest lake.
6. Watch free movies online through Hulu.
7. Start a garden, using seeds from the foods you eat.
8. Have a potluck dinner with your friends.
9. Volunteer at a soup kitchen or food pantry.
10. Go biking across town.
At the end of the 30 days, bring out your Quicken or other financial program and tally up your bills. Take into account how much you spent the last 30 days versus the 30 days before then. Looking at the difference in spending habits, you will be presented with a positive number that represents how much money you saved. That extra money is applied towards the payment of your bills or placed into your savings. However, 10% of the sum is taken out and kept by you as your reward for living frugally these last 30 days. You can go spend (or save) that money as you see fit.
The 30 Day No Spend Challenge has recently grown in popularity due to many individuals seeking to form new spending habits. Many online financial programs have popped up, enabling people to track their saving and spending habits. Financial forums and chat rooms have also increased. The bottom line is that now, more than ever, people everywhere are seeking ways to maximize savings and limit costs. Debt elimination is also a motivating factor, especially as unemployment and under-employment grow.