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3 Steps to Improving Your Credit Score and Why It Matters

Whether you want to buy a house, a car, or rent an apartment, you need a good credit score. If you don’t have a high score on your credit report, that doesn’t necessarily mean you can’t buy big-ticket items or find a place to live. But it does mean that you’ll pay more to buy the same items as someone who has a better track record with the credit bureau.

The good news is that a less-than-stellar credit score doesn’t have to be permanent. There are some easy ways to raise your score, and all it takes is a little time for your number to rise. Read more

Some people who live a wonderful quality of life making a meager income while others struggle no matter the income. Learn more here.

Money Matters: How to Go From Debt to Wealth

There are people who live a wonderful quality of life making five figures and those who struggle with a six-figure income. The difference is the way they handle their money. If you are careless with money, you will live a stressful life caused by outstanding debt. Thankfully, you can change the way you handle money and end the in-debt way of life. Below are a few tips to help you achieve success. Read more

How to Manage Your Money Better

If you earn a good living, enjoy a comfortable lifestyle, and appear to have no financial worries, it doesn’t always mean you’re good at managing your money. It may just mean that you’ve figured out how to earn well.

Two ways that you can improve your money management skills are to get better at managing your credit cards and get at planning your retirement. Read more

Converting Your Passion Into Profit: How to Make Money as an Infopreneur

In the not-so-distant past, making money solely from generating and sharing information was considered a pipe dream. Today, savvy people are doing it all the time, and so can you. We live in the Information Age, so why not take advantage of it by making money with your own info and expertise? It can be done, and it’s not as hard or as expensive as you might think.  Read on to learn about how you can make money as an infopreneur by sharing your thoughts and ideas with people who want to learn what you know. Read more

Why I Love Swagbucks to Make Money Taking Surveys

In a lot of cases, surveys may not sound like a lot of fun. They can be pretty time consuming and aren’t always relevant. But, I’ve found one consistently good survey site to earn money on that has a multitude of ways to earn money. This site is Swagbucks. And they haven’t steered me wrong yet. So, here are the many reasons why I love Swagbucks to make a little bit of side cash.

How Swagbucks works

When you first sign up for Swagbucks, it may seem a bit overwhelming. They will want you to fill out a lot of personal information right out of the gate. But all of this is necessary for them to send you your rewards. And of course for their own marketing purposes. They also want to make sure that they are catering the surveys and tasks to your personal life.

This is important because the more specific you are with the answers you provide, the better they are able to match surveys to you. And by doing this they, and you waste less time in the grand scheme of things. I know, for me, I prefer to only take surveys that are relevant to my life currently. So, while this step can be the most time consuming of the whole onboarding process, it’s the most important.

Once you finish the initial sign-up process, Swagbucks will grant you with some initial SB to add to your account. Everything you do on the site, or through the desktop extension can earn you more SB. Once you have SB in your account, you can begin looking at different cash out options to use your rewards.

how to earn swagbucks

Once you’ve signed up, there will be quite a few options on the home screen to begin earning more Swagbucks. My favorite option is to take surveys. And this is a really easy thing to do while I’m stuck in the carpool line or waiting for dinner to finish cooking. I’m all about multi-tasking!

Another really good way to earn Swagbucks is by using the extension when shopping online. This is similar to Honey, Rakuten and Capital One Shopping. All of these sites will pop up when I’m shopping online to let me know if there are rebates or coupon codes they can try to save me money. Well, Swagbucks is similar but instead I can earn Swagbucks for my purchases. I usually use this option once I’ve tried the coupon codes on the other extensions and none of them work. Because, either way, I’d like to earn something for my online shopping purchases.

Another really great way to earn SB is by using their Magic Receipts option. This let’s you upload your receipts from certain stores and earn SB for purchases of certain items. It’s similar to how Ibotta works, except that you don’t earn actual cash back, but SB instead. Of course, SB can be turned into cash, so it’s really all the same in the end. And the best way to hack this is to turn your receipts in through Swagbucks Magic Receipts, Ibotta and Receipt Hog. Now, you’re really saving a bundle on groceries!

As if this weren’t enough of a reason to give them a try, you can also earn SB by donating to charities, watching videos and playing some mobile games.

what can you use your swagbucks for?

Once you’ve earned enough SB, you can start redeeming them for a myriad of different things. The most popular thing to redeem them for (and what I have always done to date) are gift cards. They offer a ton of different gift card options, as well as monetary values to choose from. Some of the most popular choices are:

  • Amazon
  • Visa gift card
  • American Express gift card
  • Home Depot
  • Walmart
  • Bath & Body Works
  • Google Play
  • CVS
  • Sony PlayStation
  • Door Dash
  • Apple Store
  • Target
  • The list goes on!

On top of this, they regularly have “sales” on their gift cards. This means you can purchase them for less SB than you normally would. So, if you want to get even more side cash, it’s good to keep an eye on the gift cards that are on sale and try to redeem your SB towards one of those.

Gift cards are the primary way to redeem SB, but they do also offer PayPal cash. So this is another good option if you don’t want any of the gift cards they have to offer. Or if you just need money in your PayPal account for an upcoming purchase.

summary

Ultimately, there are so many great things about Swagbucks that it’s hard for me to say anything bad about them. While you may not make a ton of money performing the activities on their site, you can also save some money by using them on regular purchases. It seems like they get more and more robust with their offerings each year, so I’m interested to see what they roll out with next. No matter what, if you haven’t given them a try yet, you’ve really got nothing to lose.

Have you tried taking surveys on Swagbucks to earn some extra side cash? If so, how has your experience been?

It takes discipline and foresight to look ahead to one's retirement. The payoff can be well worth the initial consideration.

Smart Retirement Goals to Grow Your Nest Egg

It takes discipline and foresight to look ahead to one’s retirement. However, if done right, the payoff can be well worth the initial consideration. The biggest aspect of retirement to understand is that the earlier you start making changes and being a part of the savings equation, the better of you will be.

The key is to make savings a priority right now. Also, you need to remember that we are in a constantly evolving environment where foreign exchange currencies can depreciate and appreciate on a daily basis. There are so many factors that go into the retirement equation that it may seem daunting. However, establishing a few goals will really help focus your efforts. Read more

Why Equipment Loans Are Important for Startup Businesses

Starting your own business is not an easy feat. You will need a lot of patience, a lot of filled paperwork, a great idea, and a lot of money. Of course, you will also need equipment for whatever you want to do or produce. Equipment means that you will need even more funds, which can quickly get overwhelming for your budget. Luckily, there are equipment finance options you can choose to make it all a bit easier. 

 

Read on to find out everything about equipment finance and why it is a great choice for startup businesses.  Read more

The Best Mobile Apps for Freelancers

Freelance workers earned $1 trillion, almost 4.8% of US GDP, during 2019, and the freelancer market has grown to 57 million workers, representing around 35% of the US workforce.

 

If you are considering joining the growing pool of people who are starting their own freelance business, then there is a massive range of digital tools out there to help you get started or help your business to flourish.

 

One of the more significant benefits of a modern smartphone is that, with the correct apps, it can be as useful in running your business as any laptop or desktop computer. The latest generation of smartphones has a vast amount of storage and processing power.

 

The same technology that allows you to quickly switch from playing full-length movies in HD to a lightning-fast round of KO-Poker, to playing a mobile version of your favorite AAA console title, can also be turned to business uses. The right set of apps for your phone can help you organize your business, get new customers, promote your services, and take care of your taxes, all without needing to be tied in to one place.

 

In this article, we’ll be looking at some of the best apps for an aspiring freelance entrepreneur.

Read more

Making money takes money. When you're broke, that's difficult to do. Here are some tips on how to invest with a handful of cash.

Investment Tips for When You’re Broke

You need to make money to spend money — that’s the first rule of wealth management. Unfortunately, the second rule is that you need to spend money to make money, which makes accruing wealth quite a bit more difficult when you are flat-out broke.

Fortunately, there are some ways to take advantage of the lucrative gains available through investments even if you don’t have much money to spare. Here are some ways to start investing with just a handful of dollar bills every month. Read more