Reduce monthly debt payments: Not all of us are in such a dire situation that we can just have our debt forgiven. However, you can cut your payments by up to 80% by refinancing. Most credit cards have interest rates above 25% and Credible’s refinance loans are as low as 4%. It won’t change the amount of your debt, but it can reduce your monthly payment significantly.


My 10-year-old son brought home a book from our park’s free library box. It was a biology textbook – teachers edition. He said it looked interesting and hey, it was free (having no idea you could sell it). I scanned it in my Amazon seller app and realized it was worth around $150. He was so excited. We listed it for sale for $130 and it sold! Going to tell him, he just made $130!
 @dasjung No doubt! I know this and you know this, and any other highly skilled and educated designer will also know this. But what about the customers? The people who are looking for a logo design with much consideration of price in this economy.  Knowledge and talent expect the monetary reimbursement it deserves, but unless everybody has a trained eye to recognize it, they just aren’t going to dish out the money for it. That is the point I am trying to make. It is like calling the neighborhood handyman instead of  a high cost plumber to fix a small leak.

I am not a financial expert and should you need any financial advising, please contact a trusted certified or licensed professional. The content on this site is intended for informational and entertainment purposes only and not meant to be taken as financial advice. I may be compensated by a third party company either through advertisements, affiliate links, or reviews found on this site or in my email newsletter but I never recommend products or resources I don’t believe in. Find out more here.
 @Philip Taylor I was merely using medical science as an example profession. It’s quite obvious that you don’t have any professional courtesy and downplay professions in which you don’t understand. Logo design isn’t just logo design. I don’t know what the profession of a public accountant entails, or a lawyer perhaps, so I’m not going to give advice on matters that I don’t especially have knowledge in.
 @LauraGesicki I disagree Laura. Technology can only let an individual go so far with design. It all starts with the thought process and possessing the “designer eye.” This “eye” cannot be taught, but is rather a natural talent and ability to recognize good design from bad. Technology is merely a tool to display our ideas. Nothing beats natural talent and creativity.
We cut the cord nearly 10 years ago and have no regrets. My husband built an antenna out of PVC pipe and wire hangers (there are plans online for this) for the last house we lived in, and mounted it in the attic. We got approximately 50 over-the-air channels that way. When we moved, we did use Sling for a little while, and while that was great, we opted to install an antenna on the roof of the current house and cancel Sling. That said, I highly recommend Sling for popular channels. Currently my lineup is Amazon Prime TV (comes with my Prime membership), Netflix, and I pay the $5/month for AcornTV, because I love my British shows. Thanks for summing these up—I’ve been preaching cord-cutting for a long time, it’s great to see a blogger I respect touting the same thing! 🙂

You can potentially make even more money by offering to handle snow removal in the winter. Shoveling snow is often a homeowner's least favorite job, and there are many homeowners who simply cannot handle their own shoveling because of physical limitations. Typically, snow removal companies charge a flat fee for the winter, no matter how many times it snows. You can offer to remove snow a la carte, or you can copy the standard procedure and charge a flat rate. If you already own a snowblower (or can invest in one), this can help you speed up the snow removal process and allow you to take care of multiple neighbors each time it snows. (A snowblower will also save your back muscles!)
The comments about Spectrum DVRs are not accurate based on our experience. We have Spectrum (previously Time Warner) and our DVR allows us to record 4 channels simultaneously (not 2) while watching a fifth channel. Also, our DVR can store substantially more than 21 hours of HD content as the review claims. I’m only guessing, but I’m sure we are able to store at least 100 hours of content. Overall, we’ve been satisfied with the Gold package. There are lots of channels including premium channels (HBO, Showtime, NFL Network, etc.) and there are decent mobile viewing capabilities. The Spectrum app allows you to watch all content and manage DVR settings when you’re connected to your home Wi-Fi. Substantially fewer channels are available on the Spectrum app when accessed via the internet; however, this is shortfall can largely be made up by downloading the apps for individual channels such as HBO Go, Show Anytime, Max Go, etc. On the negative side, Spectrum is expensive and the internet speeds never measure up to what they advertise. Instead of getting 100Mbps we get about 50 down/35 up. In fairness, most people I talk to all seem to have the same complaint about their service provider. And, of course, the customer service generally stinks.
Bills, bills, bills—they seem never-ending. You pay one, then another one pops up and you're left wondering what services you can cut to save yourself some money. Internet usually isn't one of those services we're willing to get rid of—it has become almost as necessary as electricity these days, with most of us being connected 24/7 whether through our cell phones, computers at home, or both. 
Upromise puts money in your kids college funds while you do your normal spending. Yes, it's another way to make extra money or to use your own money for other goals since you're not having to save as much for your kids college. Just remember to make wise decisions with your spending. You're not spending so your kids can go to college. The Upromise contribution is a side-benefit to spending on items already in your plan.

There were just four television networks operating in the country in the 1950s. In those days, the transmitted signals from the cable providers could only be received within a "line of sight" from the transmitting antenna due to the frequencies allotted for the TV service. As a result, customers living in remote areas of the country were not able to watch programs that had already become a significant part of the American culture.
While some services like Hulu live TV provide NBC, FOX, ABC, and CBS to many, you may still want to look into getting a TV Antenna. It allows you to watch free broadcast TV, with access to networks like NBC, CBS, ABC, Fox and more. The over the air broadcast TV available changes depending on where you live in relation to your closest TV towers. Thankfully, antenna maker Mohu has put together a tool that shows you which TV channels are available in your area. They also show which channels you should expect to receive for each of their antennas.

If you’re free nights and weekends, you can earn extra money delivering food for fellow citizens around your city. It’s easy to delivery food with Uber – if you have a car, it’s a perfect way to make a good amount of extra cash whenever it’s convenient for you. A lot of people do this full time, so you can imagine that’s it definitely possible to do this to make money on the side and make money by delivering food with Uber, and be on your own schedule.
PlayOn Software: The 'PlayOn Desktop' app is a Windows PC program which lets you access online video streaming sites such as Netflix, Hulu, Amazon Instant Video, and Comedy Central via the app itself. From your PC, the app can then stream these channels to any compatible playback device, such as a Roku Box, Amazon Fire TV, Chromecast, and even gaming consoles such as the Xbox and Playstation.
This side hustle can easily become a full-time job! If you’ve got expertise in an area and think you can help small businesses near you, give this a shot. For instance, Ben and I know a lot about running Facebook advertising campaigns, so we approached the owner of our gym if he would let us design a few campaigns for him. And of course, he was thrilled to get the help! Here’s a useful 18 Step Checklist for Becoming a Small Business Consultant.
Oh, my! That is quite a comprehensive list of ways to make extra money. I think many folks are looking to make an extra buck – especially online. And somehow just because it is online, they think it should be easy as well. My experience is that most of the money making ideas are good but need persistence and follow up before they start generating serious coin.
The Contour TV plan with 140+ channels will suit anyone looking to capture a lot of favorites. It has nearly every channel except premium networks and specialty sports. You can also choose its TV Starter or Contour Flex (usually around $25 per month), and get the basics like PBS, ABC, the CW. Cox offers supplemental TV packages you can add on to that to get just your favorite genre-specific channels. Choose from sports, movies, and variety packages for an additional $10 per month.
So how does satellite TV work? Satellite TV transmits signals from a satellite up in space to a dish on the roof of your home. This communication between the two satellites is what gives you the ability to watch television. Satellite TV is a great option for those that live in rural areas, because it's much more widely available than other types of TV. Cable and fiber TV require wires and cables, and this infrastructure is often not present in remote areas. Virtually anyone can get satellite TV, unless the signal is hindered by a foreign object, or the resident can't install a dish. Satellite also offers better picture quality and has the most HD channels available out of all types of TV. Not only is the quality great, but satellite TV packages are typically cheaper than fiber or cable TV. One drawback to satellite is that it usually requires a long term contract. Make sure you're ready to commit, because most providers will charge an early termination fee if you decide to cancel before your contract is up. Also, the quality of your satellite TV programming can be hindered by extreme weather conditions.

My college age kid went into a bit of shock for the first few days and then found time to spend at a local bookstore (I see that as an improvement). I did invest in a regular ole’ antenna for the TV, so I can catch the local channels (which are about 50 here in TX), and after reading your article purchased a Roku 3. My kid has an Xbox, Wii, and PS3 so streaming online content was already possible, I got the Roku for the main television and not to cause another issue of “shell shock” by taking over the kid’s PS3.


If you aren’t close enough to the TV towers to use an indoor antenna you may need an outdoor solution. Furthermore, today’s digital TV signals require a TV with a digital tuner. If your TV was made before 2007, it may not have one. For solutions to these issues, check out my post How To Get Local Channels Without Cable. I also expand on this a bit in the TV Antenna section later in this guide.
So – with OTA antenna, major networks and sports on those networks are handled. We are missing “other content” that can usually be found through 1 of the 3 most popular paid services. Each of these services run about $90/yr … that was less than 3 months of CATV costs here, so we are still much, much, much less. Plus, with these paid services, there aren’t any commercials, so an hour show is about 40 minutes, saving time.
People need your help and they will pay you for it. Seriously. The “gigs” section of Craigslist.com is a classic place to find jobs, as is the bulletin board at your local church. We wrote a post on all the places to find work. Traditional job search sites can be over saturated with applicants but non-traditional places, as mentioned, can provide you a means for earning some extra income. You just have to be a go-getter and get hungry to find them. You could consider driving for Doordash or downloading the TaskRabbit app which has a plethora of ideas. Click here to get $20 credit when hiring from TaskRabbit.
What you get: DirecTV Now should appeal to anyone who wants DirecTV service but not the satellite dish. The company recently hiked prices by $5 on its various plans. The company's Live a Little plan, which provides 60 channels, now costs $40 per month, and the Just Right package has gone to $55 per month. Go Big jumped to $65 per month, and the top 125-channel plan, Gotta Have It, costs $75 instead of the previous $70. The good news is that the NFL Network has been added to all DirecTV Now's packages starting with Just Right and above, at no additional cost. Also, you can add HBO for just $5 per month. The company will be launching a next-generation version of the service this spring that bumps up the number of simultaneous users from two to three.
Really good article with some great tips. Affiliate marketing has the potential to earn lots of money and I'm hoping I can make it happen. I have tried the matched betting and it DEFINITELY works. The one thing I would say is that you need to check that any bets have been accepted by the bookmaker. I have had on occasion bets which look like they have been accepted but don't register in my account. Always go into your account and check outstanding bets or your bet history.
The best way to pick the right TV package is to first set your budget. Next, ask yourself which channels you'd like to be included in your package. Most providers offer a similar set of core channels for every plan. With each plan upgrade, the provider adds either more HD or premium channels to justify the added cost. Some of these channels may be foreign networks that you can't normally get in the U.S. or even commercial-free movie channels. None of us want our favorite movie to be interrupted by an annoying commercial break. Most providers also offer access to On-Demand libraries filled with hundreds or even thousands of titles for you to enjoy at any time. Make sure to check out the free perks included in your chosen package. For example, Spectrum gives its subscribers free HD channels on some of its plans. Premium packages from Spectrum also include movie channels like HBO, Cinemax, Showtime, TMC, and STARZ, as well as the NFL Network and NFL Redzone at no extra cost. Now that's what we call a deal!

The Ibotta app gives you cash back on the groceries you already buy. Some deals are brand specific, while others give you cash just for purchasing a certain type of item, like a loaf of bread from any brand. Choose your deals before you check out, then submit a picture of your receipt and get paid via Venmo, PayPal, or gift cards. Sign up with Ibotta to claim your $10 welcome bonus.
CIT Bank offers an interest rate of 1.85% on money market accounts — more than 15x the national average. Just like with a checking or savings account, your money is FDIC secured, there are no monthly service fees, and you can access your funds any time. All you need is $100 to open an account and start earning more money on the cash you already have.
Networked Media Device – Like Our Xbox 360:  You can get a brand new Xbox 360 for around $100-150 nowadays, sometimes cheaper.  We just got our second one for $75 from a friend. Tons of other networked media devices are compatible as well including Ipad, Iphone, Google Chromecast,  Playstation 4, HP Mediasmart TVs, and Nintendo Wii and Roku devices. Check the link above to see if your device is supported. –  Cost:  Free-$200 (depends on if you have one of these already. If you don't have one already, I recommend the uber-cheap $35 Google Chromecast or Fire TV)
Bundles that include television service are offered by cable and phone companies. Since fiber-optic is only available in limited areas, the phone companies usually also offer a bundle where the TV component is delivered by a partner satellite TV company. In any case, bundling TV with some combination of home phone and Internet can yield monthly savings. Click below to see and compare bundle offers.

I cut the cord about 12 years ago and have never looked back! Live in Western Massachusetts. I have over-the-air-waves TVs after the one-time cost of antennas, of course. I only get 6 channels. The four PBS channels, ABC & FOX, because of where I live, lowland, 1st fl. rental so can’t get my antennas anywhere up high enough. Friends w/same set up who live in a higher elevation get over 20 channels.


The second factor you should consider is definitely the terms and length of your contract with the provider. Thoroughly go through the contract agreements and make sure that you are not locked in a long-term contract. Take note that the provider may increase the cable TV price after a year or so. Therefore, signing up for a long-term contract will prevent you from switching to a different provider when this happens.
Well, to figure out the best plan I would start with what shows I primarily watch. Make a list and add who carries them, such as CNN, ABC, NBC, FOX, etc. That should help you sort out which plan has the majority of what you want to watch. Next if you have a smart TV with internet you may not need a streaming device. You can try connecting to the internet from your smart TV without one. Then, if you experience issues you may still need to invest in a streaming device.
I just went to upgrade my service from 300 mbps, to the 1000 mbps. I found out they wouldn’t be changing any lines or doing any actual installation, just receiving a new modem, and I have to pay $200. Yes, $200 to upgrade. I could go to a local spectrum store and just swap out my modem and poof, I have everything I need, nope. They will still charge you $200. FUCK SPECTRUM. They are are ripping people off and they could care less about losing customers. The reps, supervisors are trained like robots to say, I’m sorry I can’t help you with this one, is there anything else I can help you with. I hope charter tanks and burns in Hell. This is infuriating.
Below is a huge list of companies (over 90!) that do mystery shopping, remote call monitoring, or some other “customer engagement research.” We did not vet the companies on this list, we only checked that their websites loaded and that they appear to still be in business. I wish we could've researched this more but that just wasn't feasible. Before you sign up for anything, please review my post about how to spot a mystery shopping scam plus the Federal Trade Commission's tips.
This can either be done locally or through an online service like Fiverr. Resumes are something that people can be very insecure and self-conscious about, which means there is always a demand for services that will help spruce them up. Holly Hanna from The Work at Home Woman wrote a really useful article on How to Make Money from Home with Resume Writing.
That means all you need is an antenna to start grabbing these network TV signals to display on your television. Now I know what you’re thinking. If you were born before 1985, you probably have vivid memories of static all over the screen as mom or dad adjust the antenna. Digital doesn’t work that way. If your antenna can pick up the channel, then you get the picture as clear as it can be. Otherwise, you don’t get the picture.
As the name suggests, cable internet works by using the same analog cables traditionally used to deliver cable television. These copper coaxial cables travel from your home to the a neighborhood node, and then to your service provider. Cable internet has a wider bandwidth than DSL, and unlike fiber, it’s already installed in most homes, which makes cable service convenient for getting high-speed internet with minimal installation. And if you’re interested in getting cable TV as well, bundling cable services can often save you money over getting the services separately.
×