3 Master Life Hacks to help you Save Money for the rest of your life!

Let me know in the comments if you find this interesting!

When it comes to advice on money, things tend to be repetitive and kind of basic: create a savings account with limited access and put money there, make your own food at home, BUDGET BUDGET BUDGET!

These are of course not bad places to start when it come to being frugal- but it’s easier said than done. Below are some great life hacks that can help you get in the frugal mindset and save money for the rest of your life.

Think In Terms Of Time Spent Rather Than Dollars Spent.

If you have a very relaxed attitude about money, like I many people, then thinking about throwing away $50 on something or other doesn’t disturb you. If that’s the case, then you should start thinking about a purchase in terms of your time rather than in terms of cash. Think about how many hourly wages you will spend on something.

Always have enough Cash to back up any purchase you make, decrease the expense with cashback credit card programs.

Only buy things when you can afford to pay for them in full- take advantage of credit cards cashback offers to save $$ and pay off your bill in full each month. You can save 1-5% on your purchases this way.

Eliminate Impulse buying

Every time you want to buy something, anything… Just wait 1 week. Think about it or don’t think about it. The real goal here is to get out of the mindset of impulse buying. Investing in this good habit will save you money time and time again.

The best way to Save Money this Thanksgiving.

Prioritize your spending on bringing family and friends together. Nothing else is truly necessary. You don’t need the turkey, the stuffing,or the mashed potatoes. You don’t need cranberry sauce and green bean casserole either. Those are nice to haves, but totally not necessary for a complete thanksgiving. Thanksgiving should be a time to be thankful for what we have and the people we can share it with.

That is all. Happy thanksgiving!

let us know what you’re thankful for below / share if you agree 🙂

Goal Achieved: $3 per day passive income

 

In an effort to discover what works and what doesn’t with passive income, I recently decided to give affiliate marketing a try.

I think affiliate marketing is great, but only if you truly believe in the product. I don’t think it’s fair to back a product if you’ve never used it before. That said…

I decided to made a new WordPress Site. This site was focused on primarily survival/outdoors gear. I was inspired to make the site to increase awareness for basic emergencies supplies, how to use them, and where to get them. I monetized the site by using affiliate links instead of ads. Such that if a user purchased the product through clicking the link on my site, I would receive a small cut of the sale.

 

clicks
The First Week. Amazon pay’s fees on shipment, not on click.

Everything went great with the site for the first week! The first few days saw several hundred views, and many users engaged with my links. Following the first day, I began to see revenue. All in all, about $30 bucks for the week and I didn’t lift a finger. I also hadn’t yet done SEO or anything of the sort. I was enthralled!! I was officially making passive income.

Why do I say was? Because over the weekend my site was shut down. It was hosted with a free wordpress.com domain, and for some reason the site was blocked. If you look at the image above, there were two days with no traffic, and thus no affiliate revenue.

After reviewing the terms word for word It was not clear to me what I did that was against the terms. So, I contacted customer service. However, I did not and have still not heard back. Defeated, I choose to research my options- as it was clear I could no longer host this site on wordpress (for whatever reason).

After much deliberation, I went with hostgator. I compared bluehost and godaddy as well as a few others, but hostgator provided the best value for the product. So far everything has been great with them. Plus, I can make as many sites as I want. The site is back up over the weekend and is again bringing a few dollars a day. I had to rebuild most of it. XP

Hopefully, it will keep making a few bucks a day. If so, then I may have to expand on my endeavors. It also may stop generating revenue, in which case I would re-evaluate my model.

Either way, I’ve never made passive income before. $3 seems insignificant, but it adds up. Assuming the totally unlikely probability of $3/day everyday for 40 years, that’s nearly $44,000. Assuming every site I make makes $3 a day, I would need to make 50 sites to live comfortably.

Either way, it’s more than just making money! It’s also being savvy with your money!

Next goal: $10 per day!

EDIT: GOAL $20 per day ACHIEVED!

 

3 Master Life Hacks to help you Save Money for the rest of your life!

Let me know in the comments if you find this interesting!

When it comes to advice on money, things tend to be repetitive and kind of basic: create a savings account with limited access and put money there, make your own food at home, BUDGET BUDGET BUDGET!

These are of course not bad places to start when it come to being frugal- but it’s easier said than done. Below are some great life hacks that can help you get in the frugal mindset and save money for the rest of your life.

Think In Terms Of Time Spent Rather Than Dollars Spent.

If you have a very relaxed attitude about money, like I many people, then thinking about throwing away $50 on something or other doesn’t disturb you. If that’s the case, then you should start thinking about a purchase in terms of your time rather than in terms of cash. Think about how many hourly wages you will spend on something.

Always have enough Cash to back up any purchase you make, decrease the expense with cashback credit card programs.

Only buy things when you can afford to pay for them in full- take advantage of credit cards cashback offers to save $$ and pay off your bill in full each month. You can save 1-5% on your purchases this way.

Eliminate Impulse buying

Every time you want to buy something, anything… Just wait 1 week. Think about it or don’t think about it. The real goal here is to get out of the mindset of impulse buying. Investing in this good habit will save you money time and time again.

5 Best places where $200,000 is enough to retire!

While most of my post are dedicated to saving money or being frugal, I could help but think it might be nice to throw out some more affordable retirement ideas.  I myself am spending a few weeks in Thailand before I get back to normal life. The list below is essentially a list I put together to decide where I wanted to go… not realizing cheap vacation spots also makes for AMAZING retirement spots. Please like and share if you find the be info useful.

Thailand

With its tropical climate, Thailand’s hot season can hit temperatures upwards of 105F (40C) from March to May. The best time to enjoy all Thailand has to offer is between November and March, when the weather hovers around a balmy 86F (30C).

The price of living varies among different areas, but you can live as cheaply as $500 a month or more luxuriously for $1500-2000 a month. A full Thai dinner with beer for two costs less than $10. Thailand also ranks among the world’s 50 best health care systems, according to the World Health Organization. The best private hospitals are in Bangkok and hospital fees cost a fraction of what you would pay in US or Europe.

Mexico

Mexico’s lovely towns and villages offer some of the most popular retirement destinations in the world. Along with gorgeous beaches and historical colonial towns, just $200 a month can get you a one-bedroom apartment to live in, and a few dollars a week will buy bags of fresh produce and fish from local markets and fishermen.

Mexico also has all the amenities you could want, including cable TV, internet, and modern appliances. Here, private health insurance gets more expensive as you get older, so many retirees hold on to medical coverage plans from their home countries and opt to pay out of pocket for minor medical fees in Mexico. A specialist appointment in Mexico costs about $25, while a local doctor outside cities costs only about $10 a visit.

Costa Rica

Year-round t-shirt weather and long stretches of golden beach are punctuated by eateries, bars, and all the amenities you need. While the locals speak Spanish, you’ll find plenty of folks to chat with in English, too.

Health care is very affordable in Atenas, Costa Rica. This town has a public health clinic, pharmacy and emergency room at its center. Some expats choose to pay from $75 to $150 for full coverage under the national public health insurance system, called Caja. Private consultations with Caja doctors cost less than $20 per visit, and private and national public hospitals are just a short drive away from city centers across the country.

Malaysia

Malaysia is South Asia’s most popular destination for retirees. English is widely spoken by expats and locals alike, and temperatures range between an ideal 77F (25C) and a humid 95F (35C) throughout the year.

An inexpensive local meal goes for $3, or you can get a two-person three-course dinner for $15. Renting is also affordable: a one-bedroom condo in the city center costs about $550 per month. Life in the cultural melting pot of Penang is even cheaper, with a one-bedroom apartment in the city costing only $265 per month.

Malta

Malta is a lesser-known international retirement option but it’s one of the best for English speakers! English is the second official language after Maltese, making for an easy transition for North American retirees.

The islands of the Maltese archipelago have year-round sunshine, an extremely temperate climate, and offer a unique mix of prehistoric and colonial history, lovely architecture, and outdoor fun.

Why everyone is running away from Facebook, and that’s a good thing.

Back in 2016, you may of gotten responses like many of the people in this article if you told your friends you were leaving facebook:

  • “But. Why would you?”
  • “Don’t you need it for work?
  • “How will you know what’s going on? Where will you get your news?”
  • “But…what if we get engaged and you’re not on Facebook?” (Love you, dear.)
  • “That’s gonna be tough, man. Not sure I could do that.”

People leaving Facebook is great for so many reasons- but the most important one is people are waking up. They are waking up and becoming aware of this new all digital future where everything they do leaves a trace somewhere.

But in the last year that’s changed, more users are now aware of Facebook’s less than good privacy practices have cause them to become the product on the platform. Largely due to the news that Cambridge Analytica, a political data firm that worked on President Trump’s 2016 campaign, was able to gain access to private data through the social network has sparked an unusually strong reaction among its users. Despite this recent headline, this and similar nefarious activity has been going of for years. Those who are outraged have moved to things like twitter and other social media sites. But others have just outright left the ‘social media’ bubble completely.

As a result, more and more people are leaving Facebook. They are tired of being a product and having their information used against them for marketing reasons.

People leaving Facebook is great for so many reasons- but the most important one is people are waking up. They are waking up and becoming aware of this new all digital future where everything they do leaves a trace somewhere.

Sources/More Info:

Facebook Abandonment at all time high

These are the people who are quitting Facebook

(2016) Why I am leaving Facebook and so should you

How to make chocolate milk mix at home from scratch! (3 simple ingredients!)

I LOVE chocolate milk. It’s super cheap and easy to make your own chocolate milk mix at home- rather than buying more expensive mix at the store. I buy most of my ingredients in bulk so I already had everything I needed to do this. This recipe makes enough mix to make a bunch of chocolate milks with. You can easily halve or quarter this recipe if you don’t want as much left over.

Be sure to share this with your friends!

Ingredients:

How to mix:

  1. Put all ingredients into a jar with a lid
  2. Put a lid on and shake the ingredients until they are well mixed.
  3. To make chocolate milk, add 1-2 Tablespoons of mix to a 8 ounce glass of milk – or as desired.
  4. Stir mix into milk
  5. Enjoy

Hope you enjoy this recipe! *and that it save’s you money on chocolate milk mix! ;)*