Personal Finance

  • How To Download A Digital Product On Etsy

    You’ve purchased a digital product on Etsy but now you aren’t sure how to download it. I’m here to help!

    Downloading Digital Files

    There are multiple ways to get to your digital files for download:

    If you have an Etsy account, after your purchase you’ll see a View your files link which goes to the Downloads page. Here, you can download all the files associated with your order.

    Etsy will also send you a download notification email separate from any transaction notification emails you receive from Etsy and/or PayPal. This will include the information for downloading.

    You can also download at any time by going to Etsy > Your Account > Purchases and reviews. Here you will see all the files you’ve purchased.

    etsy-digital-download-files-purchased

    On this Purchases page you will see a black “Download Files” button next to any order where you can download files. Click Download Files and it will take you to the Downloads page for your order.

    etsy-digital-download-files-purchased-

    On this page you will be able to then click “Download” for each individual digital file.

    Frequently Asked Questions

    Here are some of the frequently asked questions about downloading purchased digital files on Etsy.

    Why is none of this showing up for me?

    Downloads are available once your payment is confirmed. If you paid with PayPal or a credit card on Etsy, confirmation might take a few minutes.

    If you’re unsure if you’ve purchased a Digital Item, you can always go back to the listing page. If it is a digital download, you should see an “Instant Download” message on the images for the item.

    Can I download on the app? Why is it not working?

    Unfortunately Etsy does not allow you to download a digital purchase through the Etsy app at this time. To download a digital file, please sign in to Etsy on your mobile browser or a non-mobile computer.

    What do I do if I purchased a digital item, but I don’t have an Etsy account?

    If you checked out as a guest, you’ll find a link to download your purchase in the receipt email that was sent to you after purchase. Because you won’t have an account to log in to this email will be the main access link to your files. Make sure you keep it in your email as long as you need the files.

    What if I can’t find my download notification email?

    Sometimes Etsy emails don’t show up in your inbox. First, check your spam or junk inbox to see if it landed there. If you use Gmail, also check your Social and Promotions tabs where many users find Etsy emails.

    If it’s not there, add [email protected] to your address book or safe list to allow the email to go through. If you still have trouble finding or getting the email you can reach out to Etsy support.

    Read More

  • 13 Tips To Save Money Eating At Restaurants

    Eating out at restaurants is something most people enjoy for both the food and entertainment aspects. It’s fun, it’s often social, and it’s a great treat to have high quality food you didn’t prepare.

    However, it also wrecks most of our budgets!

    Restaurant food can be incredibly expensive and it can also add up and destroy your budget if you are not careful. Today we will look at some of the ways to save money on eating out at restaurants and how you can still indulge without breaking the banks.

    How To Save Money Eating Out

    In this video I share all about how we save money on eating restaurant food. We love to eat at restaurants for both food and entertainment and it’s always part of our budget… but it’s nice to save money and make it a smaller portion of our budget.

    These tips are all the ways that I’ve found to save money on restaurant food but still enjoy my favorite restaurants.

    Mystery shop for free food.

    Mystery shopping is a great way to get free food while also getting paid. This double win means you’re earning money as a side hustle and getting a free meal at a restaurant.

    Generally for these opportunities you will get paid and a free meal in exchange for observing things at the restaurant and filing a report when you return. Some will also require photos of the location or other additional resources.

    There are many different mystery shopping services that will send you potential jobs so sign up for multiple. Then you can bounce back and forth between the different restaurant secret shopping opportunities.

    Use credit card points for gift cards.

    Credit cards can be a magical thing for anyone wanting to get free money or save money. This might sound backwards because they are for spending but they actually offer great cashback rewards that you can use to get restaurant gift cards for free.

    You can use credit cards for all of your purchases and then use the points you receive for that spending to purchase gift cards to your favorite restaurants. This is a strategy we use to eat out often without feeling guilty about it.

    Important! If you have trouble controlling or tracking spending then this strategy might not be right for you. If you are going to overspend by using a credit card then don’t try this. You could instead just use the card for bills that you would pay anyway or skip this entirely.

    Use Fetch Rewards points for gift cards.

    Fetch Rewards is one of my favorite apps to earn points to get gift cards to restaurants. With this app you take a picture of your receipts and upload them in exchange for point that you can redeem for gift cards and more.

    We use Fetch Rewards for every receipt that we get both in person and digitally. Thanks to this we usually have enough points to get a $25 or $50 to a restaurant for a date night every month or two.

    If you don’t use the app yet, you can use my Fetch Rewards referral code  MV7RR to get at least $2 free when you sign up.

    Drink water instead.

    Drinking water instead of soft drinks or alcoholic beverages will lower your restaurant bill. This is one of the easiest ways to save money when you are eating out.

    Water at most restaurants is free and you’ll save $2-$20 depending on the drinks you were considering. Even if you only do this every other time you go out the savings will definitely add up!

    Go for lunch instead of dinner. 

    Changing the time you are eating out will help save you money. If you go to a restaurant for lunch or brunch instead of dinner you will end up spending less money. Many places have a much cheaper lunch menu than dinner menu.

    When you decide to go eat at a restaurant for lunch instead of dinner you will save a lot of money especially if you combine this hack with others on this list.

    Eat at happy hour times to save on food and drinks.

    Similar to eating at lunch instead of dinner, you can go to happy hours and eat for much less than if you are there for dinner time. You can get discounts on meals, appetizers, and especially drinks.

    This is the number one way I went out to eat and kept it affordable when I was single and making less money. It was much cheaper to make sure I ordered food and drinks from the happy hour menu than the dinner menu. The price savings allowed me to frequent my favorite locations more often during the week.

    Split a large dish between people.

    Most restaurant portions are huge in the United States. On one hand this means you are “getting more for your money” but it also opens you up to others savings habits like splitting a large dish between people.

    You can easily split most meal options at restaurants with 1-2 other people. This can work for your main meal and for appetizers as well. Splitting the cost between people will reduce your share of the cost.

    Order apps instead of main dishes.

    Ordering appetizers instead of main entrees is a great way to save money at many restaurants. This won’t work everywhere but many restaurants have such good appetizers that it can be even better than a regular entree.

    This can save you a ton of money since many appetizers are much cheaper than main dishes. At one of my favorite chain restaurants I save $5 every time I order my favorite appetizer rather than an entree.

    Use loyalty programs or discounts.

    Many restaurants will offer discounts for certain segments of the population. These are things like discounts for seniors or teachers or police officers. If you fit any of those groups then you should definitely utilize the discounts available to you when eating out at restaurants.

    Restaurants also offer loyalty programs so you can get discounts for returning to the same restaurant over and over. Most places have a loyalty program from large worldwide chains like Starbucks to small local restaurants. If you plan to go back to a place make sure you use the loyalty program if they have one!

    Eat when kids are free.

    When you have kids you will notice that your expenses for eating out will go up dramatically. Having kids adds a lot to your bill overall which means you should definitely take advantage of restaurants that have “kids eat free days”.

    Many places will have one day a week where they either let kids eat free or at an extreme discount. When you work your schedule around these specific days to eat out at restaurants you will be able to save a lot of money.

    Watch for or ask for specials at a discount.

    When you visit a restaurant keep an eye out of specials but also make sure to ask about the price and if it’s discounted. Some restaurants use specials as just a way to try out new dishes and they can be more expensive than normal.

    Others will use specials as a way to draw people in so they are at a discounted rate. Find out what option the restaurant you are visiting does and if it’s cheaper try to order from the specials menu!

    Look at menu prices and evaluate price between items.

    Being cost conscious while you are ordering at a restaurant will help save you money.

    It might not seem fun to base your order on what is cheaper at a restaurant but this is something that can allow you to save money. You can use this method to save money on multiple trips to a restaurant so then you’ll be able to splurge later.

    Eat on your birthday for birthday specials.

    Birthdays are a great time to save money on eating out because many places will give you free food to celebrate!

    Many restaurants will give you a free appetizer or dessert and some even give you a whole meal for free. It’s definitely worth looking into free food you can score on your birthday so you can take advantage of that special day every year.

    Keep saving!

    Those are just the main ways we’ve found to save money when we still want to eat out and enjoy food from restaurants.

    There are a ton more and you should definitely keep looking for ways to save when you eat out at restaurants!

    Instead of forever giving up your favorite restaurants to stay on budget you can instead find ways to work on the price and fit it into your spending plan. Life is too short to stay out of restaurants forever!

    Read More

  • How To Use Cash App Tutorial & Review

    I recently sent my friend money via Cash App and taught my mom how to do the same. Since it’s the easiest money transfer app I wanted to share how to sign up for and use Cash App for anyone looking to easily send money to people you know.

    Cash App Referral Code

    Use referral code RSJQKLK on this link to get $5-$15 free on Cash App when you send $5 after signing up.

    cash-app-referral-code-sign-up-bonus-5-dollars

    This referral code RSJQKLK will get you at least $5 for free in cash on the Cash App when you sign up and send $5 to a friend, family member, or anyone else!

    Cash App sometimes has bonus periods where the sign up bonus increases but it is always at least $5.

    How to Sign Up For Cash App

    Getting $5 when you sign up for Cash App is easy but you have to do several things so follow all the steps. This step-by-step tutorial shows you how to redeem the $5 cash app referral code bonus in 2021.

    The following instructions will show you:

    • how to open an account on Cash App
    • how to enter a referral code (RSJQKLK) on Cash App
    • how to hit all the requirements to get your bonus money

    The steps you need to get the referral money for the Cash App bonus.

    1. Click on link or search for “Cash App” in app store
    2. Click and download Cash App to your phone
    3. Open Cash App on your phone
    4. You should be taken to a registration form to input a phone number or email address to sign-up for an account
    5. Be sure to apply the referral bonus code RSJQKLK if it prompts you here, otherwise do it in the upcoming steps
    6. Create a username for the app and confirm it
    7. Go to your account profile page by tapping the “Profile Icon” on the top right corner of the screen
    8. On the bottom of the page select the “Enter Referral Code” link
    9. Enter Cash App referral code: RSJQKLK (this qualifies you for the bonus money but you must complete the following steps too)
    10. Link your debit card or bank account to your Cash App account
    11. Send $5 to a friend who uses Cash App within 14 days
    12. Once your first transaction is complete, Cash App will automatically add the referral code bonus money to your account

    Important!! To get your bonus money you must do all the steps including linking your debit card and sending money. You can definitely send the money to someone who sends it back but you will need to do all the steps first!

    What Can You Do With Cash App?

    Cash App has expanded from it’s original limited functionality to allow many different functions. Unlike Venmo that has stayed with the theme of sending and receiving money, Cash App has many different features.

    Below are some of the main features in the app:

    1. Send and receive money. The original and primary service is the most popular. Personal and business users can send and receive money via Cash App with a unique username called a $Cashtag. The unique $Cashtag identifier lets users identify and send and receive payments quickly using the $Cashtag.
    2. Spend money with a debit card. Every Cash App account comes with a free debit card that is accepted anywhere they accept Visa. You can use the debit card in stores or online and add it to your Apple Pay or Google Pay wallets.
    3. Save money on purchases. Cash App makes using the debit card attractive by offering special “Cash Boosts” that give you additional cash back or rewards for shopping at certain stores or types of establishments. The savings are instant after you’ve made a purchase after selecting the offer in your Cash App in the Cash Boost section.
    4. Buy fractional shares of stocks. Cash App allows people to buy stocks at a fractional share which gets many people started with investing. You can start buying stocks with just $1 and build from there.
    5. Invest in Bitcoin. You can invest in and purchase fractions of Bitcoin with your Cash App balance right inside the app. You can also sell your Bitcoin in order to lock in gains or transfer it from Cash App to your own hardware wallet. There are fees for both the buying and selling of Bitcoin based on the market volatility at the time, but Cash App offers one of the easiest ways to get started with Bitcoin.
    6. Make money with referrals. The Cash App referral program is an easy way to generate income by referring friends, family, and other people to the app. You can share your Cash App referral code with people you know or on social media to get paid for promoting the app. You can earn between $5-$10 for every successful referral.

    Is Cash App Safe?

    A concern for many using Cash App may be the safety and security of the app. You might wonder before signing up if Cash App is safe? Will you be risking your money.

    Cash App is safe to use and uses a variety of safety measures to process payments every day.

    Some of the security measures they use to keep your money safe include:

    • Encryption: Cash App has a level-1 PCI-DSS certification. This allows Cash App users to send money in the form of encrypted messages which keeps your information safe.
    • Security Locks: Cash App secures your account with a variety of lock mechanisms including PIN entry, Touch ID, and Face ID. Cash App will verify your identity every time you open the app to make sure you are the one accessing your money.
    • Coin Storage: For the security of Bitcoin you purchase on the app, your coins are stored securely in Cash App’s offline system so that they cannot be accessed by hackers. You also have the option to transfer purchased Bitcoin on Cash App to your own hardware wallet which is always the most secure option with Bitcoin.
    • Disable Functions: Your Cash App debit card can be paused instantly if you can’t find it or just want to keep it safe. You don’t have to contact customer service and can quickly disable the debit card functionality in the app if your card is lost or stolen.
    • Fraud Protection: Fraud is the most common risk to your Cash App balance so you will need to stay vigilant personally for this but Cash App also investigates and takes action on fraud. If you receive any unprompted or suspicious social media message, email, text or phone call regarding the Cash App contact the Cash App support via the app.

    How To Send & Receive Money In Cash App

    • How To Enter A Code On Cash App
    • How To Send Money On Cash App

    How To Buy Stocks In Cash App

    • How to Buy Stocks With Cash App

    How To Buy & Sell Bitcoin In Cash App

    • How to buy and sell Bitcoin in cash app

    How To Refer Friends In Cash App

    You can earn money using Cash App be referring your friends and family to the app via the referral program with your unique code. For each friend you refer they will get at least $5 and you will earn $5 – $15.

    Here’s how to find your referral code in Cash App and refer friends:

    1. Open Cash App on your phone
    2. Go to your account profile page by tapping the “Profile Icon” on the top right corner
    3. Click the green “Invite Friends, Get $10” button after your username (this amount may be $5, $10, $15 depending on the current Cash App referral bonus)
    4. Type the name of a friend or click the green “Get $10” next to their name to send a message
    5. Or click the Arrow icon in the top right corner to bring up additional options for sending our your referral link and referral code
    6. Cash app will create a message about the bonus along with your unique code and link to send to friends and family
    7. To get the referral bonus make sure people use the code not just the link and they complete the necessary steps of linking an account and sending out $5 to someone

    Cash App Review

    Cash App is the money transfer app from Square, a reputable financial tech company creating and changing the way finance works. It’s completely free to use and for many people replaces bank accounts and the old ways to sending money with fees and lots of steps.

    Cash App began as primarily a way to transfer money between friends. It started with limited functionality but has grown to also include the option to buy stocks and bitcoin. This has helped provide access to financial options millions of people previously did not have.

    Reasons why I like Cash App:

    • easy to use to send and receive money
    • no monthly fees, fees to send or receive money, inactivity fees or foreign transaction fees
    • free debit card
    • cash boosts to help you save money while using the debit card
    • cash bonuses for friends who join with your referral code
    • ability to invest and buy fractional shares
    • ability to buy Bitcoin with fractional shares
    • acceptance wide among younger people

    Downsides to Cash App:

    • money is not FDIC-insured (it is not an actual bank)
    • has spending and withdrawal limits
    • fees to send money linked credit card

    While there are some downsides, the upsides and functionality and acceptance in the culture makes Cash App a must use app.

    You can get $5 or more for free by using my referral code when you sign up, code: RSJQKLK.

    Read More

  • 6 Income Streams (How I Doubled My Income)

    I shared a video on YouTube that covered my 6 streams of passive and active income that have doubled my income in the past year.

    My day job provided my main income for many years but in the last year I’ve used the other 5 income streams on this list to fully double my income.

    Why I’ve Built Multiple Income Streams

    In this video I’m revealing my 6 streams of income. I’ve found building multiple streams of income over the last two years has really helped us create a solid financial foundation and a whole new business for myself!

    I’ve been building these income streams over the past two years because of one important lesson: a job is not enough.

    One income stream is not enough.

    I’ve been let go from a job unexpectedly and I’ve work for a company that went under. After several unexpected job changes over a couple of years I realized that no job was 100% secure. After seeing how a pandemic in 2020 changed many people’s lives as well, I knew that one income stream from a job could never be enough.

    Building multiple income streams builds a web of financial security. If one income stream slows or disappears you have others to pick up the slack. You also have a much higher chance of saving money and building up a nest egg because you will be earning more money.

    I’ve worked hard to build up these multiple income streams and I’ll continue to do so.

    Passive Income Vs Active Income

    My income streams include both passive income and active income streams.

    Passive income is where you earn money without active involvement or work.

    Active income is where you trade your work and time in order to earn money.

    These income streams are very different but both have a place in building a solid financial foundation of multiple income streams.

    Having passive income streams can change your life which is why I focus so much on my favorite passive (and mostly passive) income sources: digital products, affiliate marketing and YouTube.

    It is important to remember when building passive income streams that all income streams require something: either time or money.

    To build passive income you have to invest upfront with no guarantee of returns.

    For most of my passive income streams I’ve had to put in a lot of time to building out my content and learning skills to be successful. You can cut this short and save time by spending money but either method will require something of you. Passive income can’t be created from nothing. But the great news is that it can be created.

    We can create our own incomes. We can create multiple income streams.

    Income Stream 1: Day Job

    I currently work a full time, 8-5 corporate job. It has been my main source of income for the last five years and has allowed me the security to build up my secondary income streams.

    There are many benefits to having a full time job:

    • biweekly paychecks you can count on (for the most part)
    • predictable income each paycheck
    • feelings of stability and security
    • base to build multiple income streams
    • 401k access with 4% match
    • health insurance subsidized by employer
    • FSA accounts for childcare and health
    • other benefits like free food, holiday parties, occasional bonuses

    There are definitely benefits to working a regular job and no one should ever feel like it’s not a good option. I just personally think it needs to be one option of many.

    Working at my job is active income where I trade my time for money.

    Income Stream 2: Investment Returns

    Investment returns and dividends are the most passive income on my list. I purchase stocks and those stocks work for me by either growing or paying a dividend.

    I love investment returns as an income because it is so passive. Once you purchase the stocks you are done and just sit back and let those companies work for you.

    Currently I earn dividends in my retirement accounts and in my taxable brokerage accounts. I also consider the minimal savings account interest earned in this category.

    Income Stream 3: Freelance Work

    In addition to my full time job I will also take on some freelance work for clients. This is not a huge income stream for me because it is active income that requires my time, but I enjoy helping a few former clients.

    Freelance work can be a great addition to your income streams if you need to increase your income but can’t wait for passive income streams to pay off.

    What kind of work can you do freelance jobs?

    You can find freelance work easily with many skills like:

    • writing
    • SEO
    • editing
    • video editing
    • graphic design
    • website design
    • voiceovers
    • programming

    And many more! Whatever skill you have can be useful as a freelancer.

    Where can you find jobs?

    You can sell your skills on sites like Fiverr or Upwork, or just contact local businesses around you. If you’ve worked in a certain field and have a good reputation you will also be approached with jobs by contacts.

    Income Stream 4: Digital Products

    Selling digital products is a fantastic passive income stream. In fact it is one of my favorite income streams and the most consistent one I’ve created online.

    Digital products come in many formats and niches so there is endless opportunity to create something that you can sell digitally to customers. The best part? Once you’ve created a product you can sell it again and again.

    I started an Etsy shop and sell budgeting and saving printables because I created them for myself, but there are many different ideas out there.

    Some digital product ideas include:

    • SVGs
    • PNGs
    • Planners
    • Guides
    • Templates
    • Wall Art
    • Mockups
    • Courses
    • Digital Stickers
    • Digital Planners
    • E-books
    • Checklists

    Want to get started with digital products as an income stream? Check out these posts:

    Income Stream 5: Affiliate Marketing

    Affiliate marketing is a fantastic income stream for content creators. It’s one of my favorite and most profitable income streams.

    Every month now I earn thousands of dollars in affiliate marketing revenue. The best part is that I only recommend products I actually use and love so I get paid for doing something I would do anyway.

    With affiliate marketing you promote products or services and get paid when you refer a customer. You have a custom link with your data that lets a company know when you have sent them a sale. For each sale you get a kickback.

    Affiliate programs range in types and profitability. Many larger companies offer 1-4% of sales that you refer. Smaller companies or fellow content creators can offer up to 50% of the sales. Then other companies pay per lead or have recurring payments.

    There are many ways to earn money with affiliate marketing!

    Want to learn more about affiliate marketing? Check out these posts:

    Income Stream 6: Advertising

    My final income stream is advertising. As a content creator I make money from the ads shown on both my YouTube channels and my websites.

    I like the advertising model of online revenue creation because it’s enough to support my work but it doesn’t force my audience into anything. They can choose to watch and ad or not. They can scroll by or click an ad.

    Advertising can be a very low paying form of income compared to something like affiliate marketing. For many niches ad rates are very low. However, if you enter a high paying ad space you can earn decent income without a ton of views.

    Luckily for me my interests overlap with well paying ad rates. Financial niches tends to have better paying ads for creators and YouTube ad rates for financial channels can be quite lucrative.

    Those are all 6 of my income streams. Adding them all up has put me in a much better financial situation and I’m so glad I went about building multiple income streams!

    Read More

  • Start A Reselling Side Hustle (Where To Source Products To Resell Online)

    Buying and reselling items for a profit is a great way to make extra money and for some people it is even a career. In this video I’m looking at reselling as a side hustle and where you can find inventory in order to get started.

    Reselling As A Side Hustle

    My mother-in-law spent the last year changing her business from in person sales with Avon to becoming a reseller using eBay and Facebook marketplace. It’s been fascinating to watch her grow an income as a reseller and I’ve learned so much about the different ways you can make money.

    I also had multiple coworkers who started reselling businesses this past year with varying levels of success. One of them even left our company last month to do reselling full time because she was so successful. 

    Seeing all of this success with reselling around me got me super curious about the side hustle of reselling. So many people around me have been succeeding with reselling, but it also seemed overwhelming to many.

    Where do you start? What do you sell first? How do you pick profitable products? Where do you resell things? In this post we will look at some of the details like where you can sell items online and where you can find those products to sell.

    Where To Resell Items

    Reselling can be done in many different ways and on many different websites. I’ve seen people have success selling items on eBay and I’ve seen people have success reselling on Instagram. There is not one way to handle it successfully and you can sell on any number of the following sites.

    Where to resell:

    Once you’ve decided on a place to sell, you then need to find products that you can buy at a low price and sell at a higher price.

    What To Resell

    I discovered the first obstacle to this side hustle is finding things to sell.

    There are many different ways to source products that you can resell for a profit. These methods can get you started if you are interested in creating a reselling side hustle or online business. 

    Resell: Your own stuff

    Clearing out your own stuff and selling things you no longer use is a common way many people start reselling and it is how my mother in law started.

    Whenever you read lists of how to make money fast this is a highly recommended way to earn money. Many of us own more stuff than we know what to do with and can use the things we want to clear out of our homes to start a reselling venture. Personally I’ve done this and sold many things locally on Facebook marketplace. 

    My mother-in-law did the same and began with selling some items from her home when she was remodeling. Then she also sold things from a family member’s estate when she inherited all the belongings. Selling her own items on both Facebook and ebay was a great way to get started since it is something you can do at your own pace.

    Sourcing things from your own home as well as family members can get you started and is a safe way to learn how to list items and capture buyers’ attention before you start investing money into inventory in the following sourcing methods. 

    In this video I’m going to show you how to open a free Alibaba.com account in order to source products and packaging you can sell in an online shop. My husband recently opened his custom leather goods store and we decided to use Alibaba.com to source packaging for his products. 

    Resell: Products from Alibaba.com

    Many of my online mastermind friends who’ve started reselling online and are treating it like a business use Alibaba.com to source their products. 

    Alibaba.com is a site that connects you to manufacturers who produce products that you purchase and then can resell to your customers. It’s perfect for both large businesses and small business owners since there are over 100 thousand suppliers with loads of options available for products and quantities. It’s the world leading e-commerce marketplace so you can find exactly what you want to resell with over 40 categories of products. 

    When you use a site like Alibaba.com to source your products for reselling you have much more control over your inventory so you do not have to worry about the downsides to some of the other options on this list where your product inventory will be inconsistent and one of a kind. 

    Resell: Thrift stores finds

    My coworkers who started reselling used thrift stores as one of their main sources of products to resell. In thrift stores they focused on finding vintage items that were trendy again today and then built social media accounts around the specific type of items they were buying and reselling. 

    Thrift stores are a great source of products to resell especially if you’ve built a following around a certain type of product like vintage mirrors or vintage glass cookware that you can find regularly. Thrift stores are also a great way to find and resell items that could be grouped together.

    Resell: Garage & estate sale scores

    Garage sales and estate sales are another way to find things that you can resell. With these you’ll have to put in more time and effort to find worthwhile items because there will not be the same consistency. You may find a goldmine or you may come up empty when you set out to find items to resell each weekend.

    However the great things about using these sales to build a reselling business is that the financial rewards are often higher and for a lot of people the process is more of a fun hobby. You’ll often get a lower purchase price at garage sales since people just want to get rid of things so if you enjoy the hunt as much as the business side this is a great way to source items to resell.

    Resell: Clearance section pickups

    Clearance sections at your favorite stores are a popular method I’ve seen taught by reseller coaches online because it’s one of the most straightforward. You find products in your local store at a very deep discount and then you sell them online via sites like Amazon for a profit. This works well because things in your area on clearance may command a higher price elsewhere. 

    Clearance aisles at drug stores are a great low cost way to find new inventory to resell online. I’ve found really great products in those clearance areas and there are often discontinued items that will sell well online to people that want to get copies of those final products.

    Reselling Success

    Those are just a few of the ways you can find products to resell in order to create a profitable reselling side hustle business.

    There are so many options and possibilities and ways to combine and change in order to grow this particular side hustle idea.

    After seeing multiple people start from scratch and go full time it’s definitely one that is worth a look if you’re wanting to earn more income in the coming years!

    Read More

  • Referral Codes For Free Stuff

    Many apps offer sign up bonuses if you use a referral code or referral link from a friend when you sign up. However, you might not always have a friend using the app before you which means you don’t get the free bonus money. If that’s your situation – don’t worry because I’m here to help.

    To help those of you who love getting free stuff I’ve listed all of my referral codes for various apps here so you can take advantage of the free referral bonuses! For most of these when you use my link or code I get the exact same amount in my account so thank you for using them to support this work!

    Investing Apps

    Cash App – Use this referral link to get $5 free on Cash App when you send $5 after signing up.

    Coinbase – Use this referral link to get $10 of free Bitcoin on Coinbase when you buy or sell $100 in any crypto.

    M1 Finance – Use this referral link to get $30 bonus when signing up to invest at M1 Finance after contributing a certain amount to the account. Check the details when you sign up as it changes often.

    Robinhood – Use this referral link for one free stock on Robinhood when you sign up for an account (will have my husband’s name). With this one you don’t have to deposit anything to get the free stock.

    Savings Apps

    Fetch Rewards – Use referral code MV7RR when you sign up for minimum $2 toward your balance to purchase gift cards. Also check out my Fetch Rewards tutorial and review post.

    Ibotta – Use this link with referral code vernepp when you sign up for a bonus in your account from $10-$40 depending on promotions.

    Why Am I Sharing These?

    First of all, referrals earn me money too! For every sign up you get a bonus and so do I! Just like the sign up bonuses you receive, the ones I get also range from $2 to $50.

    Second, not enough women in personal finance were sharing their codes. I wanted to sign up for a SoFi invest account and get the $50 bonus so I searched for a referral link and came up very frustrated that the first several pages of listings on Google and YouTube were all run by males. I actively wanted to give my referral to a female and could not find one, so I’m sharing all of mine for those who might want to do the same. Women use financial apps too and I want to share more reviews and referrals because the current landscape is lacking that insight.

    Finally, because it helps you. I’ve been in the position where I wanted to use an app or service but didn’t have access to a connection where I would receive a referral sign up bonus. It is frustrating! Putting these referral codes and links out there can help others avoid that situation and get a little bit of a kickback when they sign up for something. I love being able to give others free money!

    Read More